Re: [WISPA] [WISPA Members] Health Insurance
RickG <rgunderson <at> gmail.com>
2010-08-01 02:58:19 GMT
Well, I'm glad it worked out for you. Hopefully, your Son is fine as well.
Back in 2005 I had a pulmonary embolism attack. Went straight to the
hospital and ended up there for 3 days. I had no insurance and was
between jobs. Final bill was $12k. The hospital would not take one
dime off the bill claiming I owned a business (consulting). That
nearly cleaned out my savings. Sheesh!
Fast forward to more recently: I now have insurance. I've been back to
the hospital after cutting off the tip of my finger with a planar. The
hospital was forced to give the insurance and discounted "in network"
rate which was passed on to me on the final bill.
With that said, my 22 year old Son had a shotgun pellet ricochet into
his shin (dont ask). I took him to a walk-in Urgent Care, told them I
was paying cash and they did give me a cash discount.
So, I guess the results will vary depending on the provider but I'm
not seeing hospitals giving discounts and that the big one if you need
it.
On Sat, Jul 31, 2010 at 5:56 PM, Cameron Crum <ccrum <at> wispmon.com> wrote:
> Negotiate directly with your doctor or the hospital. I've been cash pay for
> years. About a year and a half ago, my then 2 year old got outside
> un-noticed and fell into our pool. He was at the bottom when we found him
> and my wife, being a trained lifegaurd, was able to perform cpr and get his
> pulse and breath back. That combined with the cold temperature of the water
> (early december), and the grace of God left him with no brain damage or
> permanent problems. Our trip to the ermergency room plus overnight stay in
> the hospital was more than $12,000. I negotiated with the hospital, the
> doctors, and the ambulance company (all different bills) to get my bill down
> to less than $5000. It took about 1 hour of my time. Had I had insurance, I
> would have had to pay the full $5000 or $10000 deductable. So in this case
> it worked out for me. My family is extrememly healthy. Our kids go to the
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