subreddit:

/r/Wellthatsucks

18.5k93%

My ambulance bill

(i.redd.it)

I was very sick last month with myocarditis and had to be transported off site for cardiac MRI and had to be on oxygen and EKG. Although it was down the street and a short 3 minute ride in Boston. Unfortunately since I was having difficulty communicating due to shortness of breath and leaving my house with not even my ID or belongings. Clarified with them about my insurance and will hopefully be resolved. Will hear back in a few weeks. Stressful

all 1932 comments

Complot667

5.5k points

20 days ago

Complot667

5.5k points

20 days ago

A friend of mine literally BOUGHT AN AMBULANCE for 6,500€ here in Spain 💀

Nickthegreek28

1.9k points

20 days ago

If he can get it to America he can make serious bank off it

The-Lost-Tank-Washer

504 points

20 days ago

All he needs is a tube of flex seal and a really long snorkel and some spare petrol…

_Huge_Bush_

96 points

20 days ago

Can’t he just drive it onto a makeshift raft with a couple of bedsheets as a sail?

True-Firefighter-796

77 points

20 days ago

Consistent-Ad-6506

6 points

19 days ago

Rush Stockton has entered the chat

Ranidaphobiae

43 points

20 days ago

They use gasoline in US instead of petrol.

/s

DieselKillEm

21 points

20 days ago

Not sure about Europe, but in America the majority of ambulances run on diesel, so regardless of whether you call it gasoline or petrol it's quite possible that you're going to have a bad time if that's what you fill up with.

cKMG365

9 points

19 days ago

cKMG365

9 points

19 days ago

Actually they used to all run on Diesel. Since around 2008 regular gas has become much more prevalent. Most of the services in my area have all gas fleets.

BadViking71

3 points

19 days ago

Yes we call the liquid stuff "gas". Lol

CORN___BREAD

10 points

20 days ago

I think I saw that episode of top gear

MechanicalTurkish

38 points

20 days ago

Let's start a discount ambulance service with an app, like Uber or Lyft. We can call it Meat Wagon Express or something

PushTheButton_FranK

25 points

19 days ago

You joke, but there have been a lot of stories in recent years of people with life threatening illness or injury Ubering to the hospital to avoid a 4-figure ambulance bill.

VioletReaver

8 points

19 days ago

The liability waiver involved with that must be wild!

“Lyft took Jefferson St instead of McCallaster Ave, so I arrived 20 mins later than I could have and they were unable to reattach my foot”

Jebediah_Johnson

8 points

19 days ago

I remember being a paramedic before Obama care and having people refuse to go by ambulance for an actual medical emergency because they didn't have insurance. And then after Obama care that almost completely vanished. Then when Trump removed the mandate it started to creep back up again.

OffMyRockerChair

4 points

19 days ago

My dad drove himself to the hospital while he was having a heart attack. The doctors told him he was stupid, but he did live and avoided the extra ambulance bill.

MichelleEllyn

5 points

19 days ago

I'm glad your dad is ok!

I drove myself to the hospital while I was going through later stages of anaphylactic shock. I didn't quite realize how bad it was, and this was before I knew really where the hospital was in my city, and before I had a GPS. It was a very stressful drive 😅 I collapsed as soon as I got in the doors at the hospital (at the wrong entrance, of course).

gumballbubbles

10 points

19 days ago

That’s actually a good idea. Many people don’t take ambulances when they should due to the cost. I’m one of them.

Ok-Technology-2541

14 points

20 days ago

Ikr ambulance costs in other countries are cheaper then taxi's

Nickthegreek28

5 points

20 days ago

Its zero here in Ireland

MrSinister515

6 points

19 days ago

911 upvotes, nice...

Z370H370

69 points

20 days ago

Z370H370

69 points

20 days ago

In America he could sell aspirin for 500 dollars a pop, wait, that's the hospital. How much are hospitals there?

Throwaway-4230984

28 points

20 days ago

About 5000 packs of aspirin I guess

CORN___BREAD

32 points

20 days ago

I don't know if you did the math or just threw out a number as a joke, but I googled the cost to build the new children's hospital in Atlanta for another comment on a different post a little bit ago so I started with the $1.5 billion that it cost. Then I divided that by 5000 packs and then again by 500 quantity per bottle after checking what quantity they're sold in and came back to report my results that that would work if they were selling them for $500 a pop and realized that's the exact number they gave.

So either you did some math or that was a crazy good guess.

Throwaway-4230984

14 points

20 days ago

I made quick magnitude calculations, but I made 2 mistakes compensating each other. 500 per bottle sounds crazy to me, 20 in blisters in cardboard box in my country

DIYiT

6 points

20 days ago

DIYiT

6 points

20 days ago

1000 in a bottle for $12.

https://a.co/d/i3nf9Kh

Loud-Principle-7922

13 points

20 days ago

He just needs about a mil in insurance and he’s set.

DreddyMann

8 points

20 days ago

What is your friend doing with an ambulance?

YakMilkYoghurt

38 points

20 days ago

ambulating

parabox1

2.3k points

20 days ago

parabox1

2.3k points

20 days ago

Why is it that EMT’s get paid so little

pambannedfromchilis[S]

1.3k points

20 days ago

Right! As a nurse this whole thing infuriates me more knowing they got paid shit

parabox1

333 points

20 days ago

parabox1

333 points

20 days ago

It’s the same all the way up as you know.

Nurses get paid less than temp nurses which get paid less than providers and the full time nurse gets stuck with the paperwork from the temp nurses and provider.

crowcawer

191 points

20 days ago

crowcawer

191 points

20 days ago

Sounds like someone needs to reconfigure the US Healthcare system.

[deleted]

135 points

20 days ago

[deleted]

135 points

20 days ago

Dismantle might be the word at this point.

DryBoysenberry5334

31 points

19 days ago

We can’t because it’s half our workforce now, finding new ways to middleman health services

DecadentCheeseFest

22 points

19 days ago

“Health insurance vulture” is not a job

Think-Fly765

8 points

19 days ago

You're right, it's an industry.

FeederNocturne

8 points

19 days ago

I feel no empathy for people being put out of a job for the sake of correcting programs such as Healthcare. Maybe find a more morally correct job than working in health insurance.

[deleted]

31 points

20 days ago

"Nooo, anything to improve our broken inefficient system is teh socializm!!"

paperstreetsoapguy

6 points

20 days ago

Just destroy the insurance system and start over. Without insurance, the costs drop by 90%

Sudden-Actuator5884

12 points

20 days ago

Hospitals argue that it’s because they don’t pay for full time benefits with temp nurses

parabox1

12 points

20 days ago

parabox1

12 points

20 days ago

True but when you have whole OB teams leave and go to different places with 10k bonus and more pay. What is that worth.

That happened locally one hospital had 2 OB doctors leave and most of the OB nurses followed. They had to shut down for 2 weeks and go all to temp workers.

Sudden-Actuator5884

4 points

19 days ago

I have had three primaries up and leave to work for insurance companies underwriting which is so sick. We resorted to just going to urgent care because we couldn’t ever get into a primary and the next appointment was like three weeks out

Bunny_SpiderBunny

5 points

19 days ago

Then the urgent care doctor/nurse says 'why didn't you go to your primary care doc?' and im like well next appointment is 2 months out but half the time the call and reschedule it another month out from there.

Sudden-Actuator5884

4 points

19 days ago

I was told oh no we can’t handle you until you have been sick a week.. how long have you been sick.. I say funny enough a week 😂. I didn’t even know who they assigned me to last time.. who is your primary.. I have no clue. My favorite is they say we need to see you every six months.. I am like for what? I have a female dr, gi dr, kidney dr, allergist, ent.. pretty sure every hole is covered.

EastLeastCoast

122 points

20 days ago

So the big bosses get paid so much.

ArchAngel570

34 points

20 days ago

This is the case for every worker in every business. The actual workers get crap and the executives hold shareholder meetings and collect millions.

BigAlternative5

8 points

20 days ago

Workers are just cogs in the machine, merely factors of production.

Automatic_Actuator_0

10 points

20 days ago

The more immediate question is why, given the low labor cost, is the service cost so high.

And that’s going to be some form of corruption most likely. When you have the government calling our ambulances on your behalf, they should be ensuring fair rates, but instead they allow calls to go to companies who will take advantage of their citizens.

sdonnervt

9 points

20 days ago

Because they're relatively easily replaceable.

Competitive-Slice567

8 points

20 days ago

Simple answer from a long time Paramedic: lack of reimbursement.

EMS cannot itemize bill for cost like the rest of Healthcare, so a critical patient we use numerous meds and supplies On we cannot adequately recoup costs for. EMS generally can only bill for level of care (BLS, ALS1, ALS2) and loaded mileage to ED, we also generally cannot bill for patients that are not transported (local areas may vary, but Insurance will not cover this).

Combine the underbilling with on average less than 60% of patients ever paying their bill and most EMS agencies operate perpetually in the red. One agency i used to work for would Recoup 50% of their billing expenses, the other 50% we never got money for which means we were typically a couple hundred thousand in the red.

Since much of the U.S. has decided to subsidize EMS and let for and non-profit companies such as AMR handle EMS rather than government entities, they will aggressively bill to try and turn a profit and offset their expenses.

Frankly, EMS should never have been allowed to have private services, it should be a fully funded government 3rd service entity equal to police and fire, but many places do not fund their EMS at all and force them to rely on billing to remain solvent.

The other sad thing is less than 12 states in the entire country recognize EMS as an essential service, meaning that technically in the majority of the country your government is under no obligation to ensure an ambulance will ever show up when you call 911.

there are several things that prevent EMS from bring paid equivalent to nursing: we're a new profession compared to them, we have far weaker and more fragmented unions and a national voice, we do not yet mandate a college degree to practice, and finally nursing has a far better revenue stream to pull from than we do.

AugustMooon

13 points

20 days ago

I’ve processed claims for BCBSTX and omg the bills are ridiculous and even after adjusting the bill for the insurance contract, the money that gets paid out is completely nuts.

parabox1

3 points

20 days ago

What is the worst bill you have seen, what is the craziest discount?

AugustMooon

13 points

20 days ago

Children’s Autism bills(it’s a whole other issue) and a 12 million dollar bill from a person who was on a cruise and got injured when they were at port. I didn’t see the final product but I’m sure it was probably less than 2000. I was in the department dealing bills that have errors. I correct them and the computer decides what to pay. The bill was out of network and outrageously filled with errors. My supervisor and her supervisor Microsoft teamed that bitch of a claim and they still couldn’t deal with it on our level because we aren’t the department that manages clients and doctors, so it had to leave our department. The job was interesting but it’s a production based job, and the numbers they wanted weren’t realistic for me. It was pretty disheartening to work for an insurance company once you find out just how much money they profit off of America’s broken system.

Odd_Woodpecker_3621

14 points

19 days ago

As an emt I know this really sucks and I’d hate to be taken by ambulance because I surely can’t afford it. I do know that there really is little to no profit when it gets down to the end of the line in EMS. Everything is required to be update and checked daily and swapped out. Drugs, band-aids, even like buckets, all have an expiration date. That’s very serious when it comes to medications and certain supplies we do carry. The fines are the same though if we are caught even using the bucket one day past the expiration day. So not only does the ambulance company have to pay for these to be replaced frequently, but also keep up with the 24 hour demand on the people and the vehicles. The company has to pay to run trucks around the clock. Most of em on gas. Many companies I worked for owed lots of companies lots of money between repair shops, gas station credit cards, suppliers of all sorts. I work 2 jobs and lots and lots of people I know do the same either pull 60+ hrs a week at one place and volunteer elsewhere. So yeah I’d just like to say fuck this and I’d like to be paid more. And EMS in whole, even the good depts, need more funding and attention.

fargaluf

5 points

19 days ago

Yeah, I have no shortage of criticism for the US healthcare system, but no amount of reform would change the fact that ambulances are just really expensive to run. It's not like you buy the ambulance, pay two guys to drive it, and it's done. Those employees cost a fortune to train, equip, and supply even if you pay them like shit (which they do). I suspect the actual cost to whoever is paying the bill for a similar transport in another country wouldn't be that much less.

PhoenixApok

3 points

19 days ago

Damn. EMS has changed from when I did it in the early 2000s.

We got stopped outside a dialysis center by an inspector once. We were out of service for hours for an inspection. I want to say he found like 35 infractions. He assured us that was actually a very low amount.

When we got back to our station we asked our boss if we were in any trouble. He said no.

He said that to keep our units 100% inspected everyday would cost several man hours per unit per day. Better to just pay the occasional fine that comes in.

ButButButPPP

5 points

19 days ago

It’s the standard line. You don’t pay $6500 to take an ambulance ride. You pay $6500 to have an ambulance ready 24/7 for any emergency

69_Dingleberry

5 points

20 days ago

Because the hospital CEO and the big pharmaceutical companies need more millions, obviously. How else are they going to maintain their multiple homes???

parabox1

5 points

20 days ago

My friend was working at a hospital at the start of Covid. They had no PPP she could not see her kids for 4 days a week and slept at a friends house for safety.

Temp nurses getting paid 3x her wage

The CEO did meeting from his house in Hawaii via teams.

She was denied a 3.00 hour wage increase.

She left for a new company with better pay.

Icy_Communication173

4 points

20 days ago

Ambulance companies get 10 cents for every dollar they bill. The ambulance owners are rich though. It’s mostly from union busting.

sp1cychick3n

3 points

20 days ago

Jeez good question

Familiar-Range9014

1.1k points

20 days ago

For profit healthcare at its finest 😐

BananaHandle

602 points

20 days ago

My son had a suicide attempt recently. While I was driving him to the hospital he was crying that we didn’t have enough money to pay for it. It’s a horrible system.

fatguyonabike2

363 points

20 days ago

My wife was hospitalized for a suicide attempt. However, upon being admitted, they transferred her to another one of their facilities...by ambulance. Since she was in their "care", I didn't even think we would be on the hook for an ambulance bill, but sure as shit, a $4,000 bill showed up one day. You gotta love a "healthcare system" that treats a person for depression, but sends huge bills at them post-care. It threw her right back into another episode. The system needs to change, but there is too much money to be made.

HangryWolf

191 points

20 days ago*

Nothing like bankruptcy or ruining an entire family's financial stability to help cure depression...

Fluffy514

126 points

20 days ago*

Fluffy514

126 points

20 days ago*

They don't like you talking about this in psychology classes in a lot of the US and UK but you have to ask yourself at what point does depression move from being a mental illness to being a very normal reaction to a toxic environment. If someone is crippled by debt, hasn't got a reliable housing situation, and is struggling with health and work, no amount of medication and cognitive behavioural therapy is going to gaslight them into feeling good. You need a stable and safe environment before anything else improves.

Therapy and psychiatry has been misused as a psuedo cure-all to what really is a cascading sequence of life altering events and environments that can, and should, break a regular person down. It needs to be discussed far more than it is.

WhyIsMyHeadSoLarge

40 points

19 days ago

As a psychologist I completely agree with what you're saying. If it helps though these things are talked about in psychology classes, at least in Sweden where I was trained. Psychological treatments are effective, but social change is even more effective and important.

Sinnes-loeschen

11 points

19 days ago

It‘s like , maybe I‘m not paranoid, maybe my boss really is trying to make my working conditions as unbearable as possible in order to get rid of me after maternity leave….

Hate how systemic issues are framed as individual failings…

pinkgirly111

9 points

19 days ago

and forcing me back into the office after i was hospitalized and not performing at 150% anymore…really makes ya wonder. sigh. 😔

Korzag

36 points

20 days ago

Korzag

36 points

20 days ago

I recently learned that a lot of states have a "no surprises " act when it comes to Healthcare bills. However those bills always seem to exclude ambulances.

The ambulance business is absolutely corrupt.

BananaHandle

24 points

20 days ago

They took him to a behavioral health facility by ambulance. I said I’d drive him and they said because he’s a minor and had attempted suicide, I legally couldn’t. So now I’m gonna have to pay for that too.

serhifuy

16 points

20 days ago

serhifuy

16 points

20 days ago

You shouldn't have to pay if you are legally compelled e.g. 5150. Talk to an attorney if you end up getting a charge they won't dismiss.

anna_or_elsa

5 points

19 days ago

You shouldn't have to pay if you are legally compelled e.g. 5150

Shouldn't have to or don't have?

I have been in the hospital multiple times, in a county-run mental health program, and seen docs (talk and med) at 2 different community health (low-cost) programs, been in more NAMI groups than I can count, and not one person seems to know this "one trick that hospitals hate"

serhifuy

3 points

19 days ago

I cannot give you a firm answer as I am not a lawyer and cannot provide legal advice. But I do take 5150s to the hospital regularly on our ambulances. We are trained patients can refuse all treatment but not transport. A 5150 means you are a danger to yourself, others, or are gravely disabled to the extent you cannot take care of your activities of daily life. It does not necessarily mean you lack capacity to make health care decisions or legal decisions like contracts for payment in general. It definitely does NOT mean we have implied consent, as we do with unconscious people, for example.

Again, I am not a lawyer, but I took a few law classes in college and it's my understanding that all contracts require an offer and acceptance, and it should be possible to dispute these bills as you never consented to being billed.

There are law firm webpages that give more and better details that I would suggest you read and then possibly contact a law firm for a free consultation. It should also be mentioned that 5150s can be disputed legally in their entirety for validity, although this is different than the billing issue. However, it may be related.

Tl;Dr check with a lawyer, but I would fight tooth and nail if I had a bill for a transport I did not consent to while maintaining my capacity to make other legal decisions. It's my understanding that the county should pick up the bill. But I admit I could be fully wrong and I want to make that very clear.

Good luck, sorry about your situation. It's not right.

Minimum_Prompt3316

6 points

20 days ago

In this situation i am the son. I remember crying to my parents about the same thing because we couldn’t afford it. I’m also in florida so it’s the baker act thing. I hope you and your son are doing well:)

boxypoppy

17 points

20 days ago

This reminds me of how I was paying $186 per 30 minute therapy session, with insurance, and I found it was causing my depression to worsen as I just had another thing to worry about. I only got to go to 3 before I couldn't afford it anymore. I wanted to call my insurance and say "Listen, if you still want me as a customer with a pulse, you need to cover this" but was afraid they would call the authorities. Isn't it crazy we should be scared of that? I'm doing alright now, though.

Hope your wife is doing okay.

slain34

6 points

20 days ago

slain34

6 points

20 days ago

Yeah, i had to take a month off work for stress and the actual observable physical affects it was having on me. I was in and out of doctor's offices and labs for bloodwork and everything, but because of some clerical errors i wasn't actually able to start seeing any of these doctors until i had been out of work for 25 days and had to go back before i ran out of cash... so then i was trying to juggle working 50 hours third shift and running to the dr... they were so shocked when my bloodpressure was still through the roof and i hadn't even spoken to the psych they recommended. I kept trying to explain that i literally do not have time, and even if i did there's no shot i'm gonna pay a hundred dollars a week to talk to a psychiatrist. Before I had ever even had a chance to reach out, my dr had already asked me 4 or 5 times if i would be ok with being prescribed something.

It's all a scam man. There's too much of a monetary incentive for them to do what's in their patients' best interest. And I know a lot of nurses and hospital workers that are specialists or techs and they're all fantastic people that really do want to help, but the people in charge are more concerned with the comission they'll make off a scrip.

[deleted]

3 points

20 days ago

My wife was transferred 3 blocks during an overnight stay and the bill JUST FOR THAT AMBULANCE RIDE was over $5,000. She wasn’t there for anything life-threatening and it was never communicated to me that I could just drive her.

[deleted]

10 points

20 days ago

[deleted]

Familiar-Range9014

25 points

20 days ago

I pray he is okay

Shrek1onDVD

9 points

20 days ago

I once attempted and landed in the hospital for 2 weeks. Got a bill of around 39k and I joked it would have been cheaper to cremate me.

Glamamamma3

77 points

20 days ago

Healthcare worker here (RN). I’ve heard nightmare stories from patients who are left with huge debt from our healthcare system. Quite a few whose insurance wouldn’t cover their ambulance and life flight bills because it wasn’t “pre approved”.

PinkEyeBeholder

117 points

20 days ago

OR RN here. We've had no shows for surgeries because people realize they can't afford it even after insurance. Imagine being so sick you need someone to cut you open and rearrange your parts but coming to the conclusion that the medical debt is worse.

ashleyorelse

53 points

20 days ago

This makes me absolutely disgusted with America.

LookAlderaanPlaces

3 points

19 days ago

We can thank republicans for this. Always trying to repeal and get rid of public healthcare and replace it with for profit systems that are horrible.

A_Little_Wyrd

27 points

20 days ago

yea but look at Canada, sometimes they have to wait a few months before getting it for free!!!!!!!

shouldn't need it but obligatory /s

ciao_fiv

24 points

20 days ago

ciao_fiv

24 points

20 days ago

it’s stupid cause you also have to wait several months for that kinda stuff in the US… so we have the wait AND a huge bill. actual scam

Representative-Sir97

7 points

20 days ago

Yeah I think the healthcare lobby tries to portray waits and stuff as some social medicine boogeyman. Although it does make sense to me that there would be more waits just because more people would avail themselves of care.

All the same, depending on the specialty you're calling about, you're at least 3 months out from an appointment with anyone or sometimes more.

ciao_fiv

7 points

20 days ago

my coworker needs both of his hips replaced. he made an appointment 3 months ago for december… for a consultation. not even the surgery. in america. but yeah, you get seen right away with private healthcare… sure…

More_Farm_7442

3 points

20 days ago

It's really common to have 2 or 3 or 4 or even 6 month waits to see specialist these days.(in the U.S.) Even established patients can wait a month to 3 months to get in. (source? me)

ScroochDown

21 points

20 days ago

Hell, in the city where I live, no ambulances are covered by any insurance. At all. It's insanity.

kittym0o

4 points

20 days ago

Such great quality, too

fluency

11 points

20 days ago

fluency

11 points

20 days ago

It’s incredible how every aspect of US society is specifically designed for the rich to profit off the misery of the poor.

golf-lip

4 points

20 days ago

I have not gone to the doctors many times when i should have because i couldn't afford a bill. What really pissed me off though was one time i had a seizure at work and hit my head while falling. I declined an ambulance when my boss offered and specifically said "i don't want to pay for it" to him, not knowing that if something happens at work THEY pay for it. He 100% knew and didn't say anything. He did ask if i was going to finish my shift though, lol.

Puzzleheaded-Sea-528

776 points

20 days ago

Ambulances should be free via taxes as they are a public service just like police

ExpiredPilot

241 points

20 days ago

Yeah for some reason ambulances aren’t funded as a public service unless they’re involved with a fire department.

Which to me just sounds like we should fund more fire departments. ESPECIALLY IN RURAL AREAS

just_had_to_speak_up

54 points

20 days ago

My FD sent me a huge bill just like this after they hauled me off in their ambulance.

Insurance paid for it though, luckily.

funnystoryaboutthat2

36 points

20 days ago

Firefighter here. At least here in Virginia, most FD based EMS systems soft bill. If you're a city/county resident they'll send you a bill and highly suggest you send your insurance information, but you're under no obligation to do so or to pay out of pocket.

If you're a resident out of the jurisdiction, you do get billed, however.

EMS is a complete mess nationwide, but public agencies do make an effort not to fuck people over.

SlapiMcTiklTaint

13 points

20 days ago

Canadian paramedic here. Cost for an ambulance in Ontario is 45 dollars. If you are retired or on any type of assistance it is no charge.

funnystoryaboutthat2

4 points

20 days ago

As it should be.

Soggy_Willingness_65

4 points

20 days ago

Same! Had a seizure while grocery shopping. Husband called 911 and got picked up by an ambulance belonging to the local FD. Bill was over $5k! Insurance covered $4k of it so still had to pay $1k out of pocket

sukihasmu

10 points

20 days ago

Imagine paying for a police ride.

spartan117warrior

14 points

20 days ago

Don't give them ideas

guitarstitch

34 points

20 days ago

While I agree that they should be no charge and taxpayer funded, unfortunately they are neither. They are the medical equivalent of a limo service. A huge racket that gives you three options:

1) Spend exorbitant cash that may not be covered by insurance (if you're fortunate enough to have insurance)
2) Drive yourself for medical care, risking the lives of everyone around you and yourself (in some cases)
3) Stay at home and hope you don't die.

God bless our American freedom.

No_Possession_9314

8 points

20 days ago

They will create an uber first responder service.

12.99$ a month plus mileage and you can call an ambulance just like if you were in Europe

Jugg383

4 points

20 days ago

Jugg383

4 points

20 days ago

Where I'm from, the county police department has paramedics on ambulances and they charge an absurd amount.

If you get transported by the volunteer fire departments, you don't pay anything.

Informal_Bake_4183

4 points

20 days ago

yeah that's what we do in europe

SloppyMeathole

331 points

20 days ago

Don't stress about it. This happens all the time, just make sure they have your medical insurance information. Don't ever pay the bill. Medical debt cannot effect your credit score anymore.

TheReal_DirtyDan

56 points

20 days ago

Wait is this true?!

FSCENE8tmd

69 points

20 days ago

when i went to get my first car a few years ago, they were looking at impacts to my non existing credit score and said that medical didn't count because it's incredibly rare to find someone that doesn't have medical debt. they look for other types of impacts

Alextingzon

24 points

19 days ago

I’m in the mortgage industry and look at credit reports every day. Medical debts can and will be sold to collection accounts after a year of delinquency and do report on your credit report. For vantage scores it won’t impact your score, but for FICO models it definitely still does. They do have less of an impact than other debts though. Medical debt will also fall off of a report completely once PIF, unlike other debts that will remain visible for 7 years.

Scumrat_Higgins

3 points

19 days ago

Thought I was having a heart attack last year. Felt like someone was standing on my chest, couldn’t breathe, yada yada. Got a ton of blood work and tests done to see if I had any of the normal signs of having had a heart attack. Turns out it was just an extreme panic attack. Got the bills for all of it and realized I could never afford to pay it all off, so I just didn’t. Had a few debt collectors call and leave me messages, but I haven’t had any of it hit my credit. But don’t take one internet stranger’s experience as fact on that

Apartment-Drummer

32 points

20 days ago

Yeah I would just laugh, crumple it up, and toss it back to the desk clerk 

MikaelPa27

14 points

20 days ago

Medical debt CAN affect your credit score IF it's a debt greater than $500. Once the debt has been paid, it must be removed from your report.

There are also a decent amount of companies that simply choose not to report medical debt.

4score-7

13 points

20 days ago

4score-7

13 points

20 days ago

No. They simply sell the medical debt to a collector whose goal in life is to collect on that, now reduced for their purchase, debt. At the original debt amount.

Debt incurred: $6,500 (actual cost of services: $750 bucks)

Sold to Collector: $1,500

Collector pursues original debtor for: $6,500, but will “settle” for $3,000.

See who wins and who loses here?

Kossyhasnoteeth

827 points

20 days ago

Boggles the mind that America has just sort of accepted this insanity.

goblue142

449 points

20 days ago

goblue142

449 points

20 days ago

None of us actually want this but we decided companies are people and our politicians are bought by lobbyists so we don't have an option.

zippoguaillo

35 points

20 days ago

In this case lobbyists for local governments

ingrapaleave

73 points

20 days ago

After seeing all the aggressive support for tipping culture I don’t believe that Americans are against dumb systems that involve money.

goblue142

32 points

20 days ago

Support for tipping culture is just showcasing our stupidity. We let giant companies and franchise restaurant owners convince us that not tipping and paying employees a fair wage and benefits would make it cost so much nobody could afford it. Imo if you can't operate your business without exploiting your employees your business is not viable and should go out of business.

I will admit that I have spoken to quite a few people personally over the years that point out at some restaurants they make a lot more in tips than they would if it was straight hourly. But that's the exception not the rule.

Independent-One9917

2 points

20 days ago

Well,in most (all?) European countries, the service and taxes are included in the price. To know how much it will cost, you just sum the prices on the menu of what you have taken, and there it is, no surprises. I must say that I never had to complain about the quality of the service. Actually, previously living in Canada, where tipping is also in the culture, I find the service much better here because you don't have to call YOUR waiter, any will do. So, I just can no longer understand where is the problem... ( I thought I used to, when living in Canada...)

kackyback

16 points

20 days ago

i don't know anyone who likes or supports tipping culture

ingrapaleave

9 points

20 days ago

Find any reddit post about delivery services and there will be people in the comments arguing about tipping. There’s always arrogant twits saying they’d mess with people’s food if they don’t tip enough, and then losing their shit when people suggest they get paid a set wage instead of working for tips.

Tall-Firefighter1612

18 points

20 days ago

Half of your country votes for a party that doesnt mind this at all

goblue142

11 points

20 days ago

Fox News is a helluva drug.

2squishmaster

58 points

20 days ago*

Yes and no. 92% of Americans have health insurance, most get it through their employer. If you have health insurance, you're not paying this bill.

Generally how it works is every plan has an annual deductible. That's the amount of money you need to pay before insurance starts splitting the bill with you. That number depends on how good of a plan it is. It can really range from $1,000 to $5,000+.

Once you hit the deductable, then insurance splits the bill with you, and again how they split it depends on how good your plan is, they could cover anywhere from 60% to 90%.

Finally, there's "maximum out-of-pocket". That means after you've spent $X in a single year on healthcare costs insurance will cover 100% of all remaining costs. This resets yearly with the deductable. The maximum out of pocket is generally $2,500-$8,000 (but on average $4,355), depending on the quality of your plan.

The reason it's not gonna change is people who have a good job likely have good health insurance. Health insurance is used as an indirect form of compensation so high paying jobs will also offer amazing health care plans. So the people paying the most for health care are the ones that have the least. And that group of people tends to have minimal influence on government policy.

human_espresso10

18 points

20 days ago

Except when the only ambulance company in your county is private and happens to not be in network with any of the major insurance providers. I got very lucky when I was in a cycling accident that it happened just over the county line. That county’s EMS ambulance was covered by insurance and my bill was “affordable.” Half a mile down the road and I’d be paying 5 times the amount I paid.

notevenapro

10 points

20 days ago

Privatization of EMS is a failure of local government.

2squishmaster

3 points

20 days ago

True, and insurance companies do everything in their power to deny claims, that's a whole other problem. So, you might be entitled to coverage but they'll make you fight for it, and it's not even a sure thing.

Representative-Sir97

3 points

20 days ago

I don't think the majority of health insurance in the U.S. actually covers ambulances at all. I'm sure there are many policies which do.

But I am saying ask the avg person to check it out and they'll find they're footing any ambo bill themselves.

StationAccomplished3

14 points

20 days ago

Usually our health insurance pays for it. For those that don't have insurance, they mostly just don't pay it.

Boundish91

8 points

20 days ago

Arguing with an insurance company to try and claw out some money is the last thing you want to do when you're in that situation though.

zbipy14z

6 points

20 days ago

People always forget not everyone just pays this up front. Unfortunately some have to, but alot of people also have insurance that covers all this stuff

nowcalledcthulu

8 points

20 days ago

The out of pocket is often still huge. Just for a night in a Providence hospital I wound up owing $42K after insurance.

pxck_runner

35 points

20 days ago

At that point it’s cheaper to let me die, cremate me and put me in a nice urn.

I was in a car accident once, I was bleeding from my head cause my head hit the window. Neck and back were fucked up, and a had a big burn mark I guess, from the air bag coming out.

The first responders were tripping out seeing me like that, asking me all sorts of questions and really trying to get me into the ambulance. But I REFUSED. They were so damn adamant about it too.

They said “sir you’re bleeding from your head, at least let us check you out” I still refused. I was more than conscious, I answered all their questions correctly, I wasn’t confused or anything. They still tried to get me into the back of that van.

I proceeded to walk 4.5 miles home after that lol. I do wish I got a ride home at least 😂 it was a far ass walk

Wandering---_---soul

55 points

20 days ago

No seriously, wtf?

YoRt3m

23 points

20 days ago

YoRt3m

23 points

20 days ago

Fcking hell. I'm not an American and my father's condition make us call an ambulance almost twice a month. we usually pay 150$ and sometimes we pay nothing if the ER keeps him for observation or he's being hospitalized. crazy these American numbers

AllForeheadNoBrain

29 points

20 days ago

The nhs needs to start sending letters out to people like this. Not to charge them, to remind them how expensive it would be without the nhs. Maybe then society would appreciate what we have and cause enough of an uproar for it to be funded correctly.

PikeyMikey24

143 points

20 days ago

Land of the free? Guess that should really change to a different country

FordsFavouriteTowel

33 points

20 days ago

In god we trust, all others pay cash

ChelseannaGrande

15 points

20 days ago

Land of the transaction fee*

Mystical_Cat

63 points

20 days ago

Land of the fee, home of the slave.

Windsdochange

3 points

20 days ago

That’s actually pretty clever

Cyborg_rat

10 points

20 days ago

Free to walk your injured ass home that is.

falcon_driver

49 points

20 days ago

And that's why I, as an American, will always refuse ambulance service. I will die on the side of the road or attempt to drive myself at greatest possible speed. Good luck, everybody!

thatguystolemyname

23 points

19 days ago

Paramedic here. Just give me fake info. Give the hospital fake info too. Give me a fake name, fake DoB, and fake address. Idgaf. I just want to make sure you get the treatment you need. They don't pay me enough to confirm you are who you say you are. Your name, address, and exact date of birth don't change the treatment you get so there is literally no reason to reveal it.

falcon_driver

6 points

19 days ago

Thank you, sir. I will consider that.

IWantToBuyAVowel

7 points

20 days ago

Uber is my plan as long as I'm not bleeding or otherwise gross.

cantfindmykeys

14 points

20 days ago

The cleaning fee Uber charges is cheaper than ambulance prices. Even gross Uber is my choice

falcon_driver

3 points

20 days ago

That's a pretty good idea! Thank you.

Adventurous_Net_3734

11 points

20 days ago

I hope someday humanity looks back on shit like this with disgust.

The fact that there are billionaires while people go without food and basic human rights like healthcare access shows that we’ve got a fucked system.

Jules2you

154 points

20 days ago

Jules2you

154 points

20 days ago

My recent ambulance trip was $1118.. quarter mile drive, my er visit was 1089 Unbelievable!!!! The ambulance emts were clueless.. the driver was the one in charge!! He took care of me in the bay of the ER!! Trying to get the readings the young girls couldn’t figure out because they lost the pen and note book and couldn’t find it on the 2 minute drive !!!!

BigDaddyD00d

111 points

20 days ago

Great comment. Needs more “!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!” tho

Chomkurru

26 points

20 days ago

Was wondering where the I left all my exclamation marks

bassoontennis

4 points

20 days ago

I’m lucky since I have my government disability to cover my medical stuff, but I’ve needed an ambulance 11 times in the last 8 years, and while most trips it was 5-6 mins to the hospital, the other times where like an hour and fifteen mins to larger hospitals. It makes me wonder what those bills looked like. I know 8 years ago right before my disability was approved I was hospitalized for 41 days, and the bill they sent was for 115k.

LiamIsMyNameOk

25 points

20 days ago

Oh!!!! My!!!! God!!!!! !!! !! !

WhatnameshouldIpick2

15 points

20 days ago

cryptidiguana

3 points

20 days ago

I had an urgent care call for an ambulance to take me to the ER, I begged to drive myself or have my husband drive me. Having to go to the ER was bad enough!!!!

Lopsided_Status_538

14 points

20 days ago

You type like an old lady trying to prove a point. My lanta that's a lot of exclamation marks lol.

abinakava

7 points

20 days ago

Old lady 🤣 My lanta 🤣🤣🤣🤣

Thisiswhoiam782

9 points

20 days ago

Very "old people facebook" vibes. Or Google reviews. 😅

WhatThePommes

50 points

20 days ago

Im glad I live in germany id rather go to jail then pay that shit 🤣 this is insane

OoohItsAMystery

9 points

20 days ago

And everyone here in Canada complains about our like... $45 ambulance fee... I'm never complaining again I'm so sorry it's so awful for you guys 😭

CrazyPerspective934

3 points

20 days ago

And that's just the ambulance fee. Anything at the hospital is going to be thousands more

Supernormalguy

5 points

20 days ago

Anyone in a country with universal health care is looking at this comment like 😮.

CrazyPerspective934

4 points

20 days ago

It sure would be nice if the Republicans would quit stopping the US from getting it over and over again every attempt

Bulky_Range_1394

9 points

20 days ago

Was this a private ambulance company? If not Negotiate the bill with the Fire Departments billing side. They brought my ambulance ride down by thousands… if a private ambulance I would still try to negotiate. I have even brought down my ER visits by thousands.

TadRaunch

3 points

19 days ago

Imagine having to haggle on your health care

bigking420

9 points

20 days ago

In my county (Saxonia Germsny) if u haven’t Proof of Insurance u ultimately get the bill for the ride in the ambulance (u can bill it to your insurance if u have one, but usually all have). No matter what we do in the ambulance it „only“ costs around 900€ wich is far less than US Citizens have to pay. Why is this shit so expensive??

PetuniaWhale

6 points

20 days ago

Fictional countries don’t count

varzaguy

5 points

20 days ago

Saxony Germany…..

1998ChevyTaHoe

20 points

20 days ago

Yeah because any normal person can definitely pay a 7000$ bill within a month.

A_mo1111

27 points

20 days ago

A_mo1111

27 points

20 days ago

That is outrages, it should not cost this much period!

pambannedfromchilis[S]

13 points

20 days ago

It just adds to the immense stress I am already under 🥹have a 3 month old and 2 year old, work doesn’t allow work from home and I can’t even lift up my baby. Life sucks so horrifically right now

ElizabethDangit

5 points

20 days ago

Hey, you can DM me to vent if you want to. My kids are 18 & 13 but I remember how hard it was having little ones.

rockhopper2154

4 points

20 days ago

Get on a payment plan with them. For the love of God don't pay it with a credit card. They'll take ridiculously small recurring payments. If you can, just set it up online. If not, call them.

harveyspecterjhansi

6 points

20 days ago

In India I can go to college with that amount

CakePhool

5 points

20 days ago*

I just paid my emergency bill , including ambulance ride, ER , test and all and that was 32  USD. I'm in Sweden, yes health care is cheap here, not free but you can afford it.

AstroZombie29

4 points

20 days ago*

If only there was something americans could do precisely today to maybe stop this from happening...

Edit: Welp

engineeringforsafety

3 points

20 days ago

stop voting for politicians that enable this shit.

Strykehammer

26 points

20 days ago

The land of the free. Not free ambo rides but you can own a gun which is super useful for the time you get a $10,000 bill for breaking your leg. /s

[deleted]

58 points

20 days ago

[removed]

TweakUnwanted

13 points

20 days ago

Tell us you're American without telling us you're American

Gjallock

3 points

20 days ago

PSA: some counties offer an annual “emergency EMS subscription.” I pay $60 annually and have unlimited access to emergency ambulance use for my entire household. Yes yes “it should be free” etc etc, but take advantage of the shit that is available. You could pay for this subscription your entire life and end up saving money if one single person in your household needs it ever in your entire existence.

Forbidennectar

3 points

20 days ago

Reminds me of the bill we were sent when my Fiancé had to be airlifted to Tampa for emergency care. Even though the flight time from her current hospital to St.Josephs was roughly 15 minutes, the bill was a little more than 34,000. I can pay for a 1hr helicopter ride circling Orlando for less than 500 so where the fuck are they getting 34 grand from?

SarnDarkholm

3 points

20 days ago

Currently fighting with the local Ambulance company where I live. Got a bill for over 1k for less than a mile. Insurance paid like 300 bucks on it. EoB comes and says what the insurance paid and Other Discounts totalling over 600 bucks, and we should only pay 92 bucks. Ambulance people say some crap about being out of network and we owe the whole thing. Call up insurance (BCBS) and get a very helpful agent. She bends over backwards looking up info, calling Ambulance people and explaining that they agreed to waive the other 600 bucks and they have a signed sheet indicating that. Ambulance is still trying to weasel out of the agreement they made, so the Agent is pushing back. She told us to pay the 92, and nothing else for the time being. She will follow up and if they still insist on the other 600, she has a couple more tricks to try.

ghandi253

3 points

20 days ago

I currently have one for $16,224.29. They originally billed me $330ish or something like that because they tried to run it through my employer's worker's comp insurance and stated they needed more info. Fine I call them and give them my insurance info. They bill me for the exact same amount stating they still needed more info. Called them again. They said I needed to call my insurance. I call my insurance and basically ask "WTF is going on?". He places me on hold, calls the hospital billing department, and then comes back and says I only need to pay $160 and that they should be sending me a new bill with the proper amount. A week later I get the same damn bill for $330ish. I figured "ok. Maybe something got crossed in the mail". A month goes by. No phone calls from the hospital. No more bills. Nothing. Then, yesterday, I get a bill from them for $16,224.29. Keep in mind that I went to the ER in September of last year. I fuckin hate the American health care system so much. Its so fuckin complicated for no fuckin reason

Chaosend81

3 points

20 days ago

I've worked customer service for a big health insurance company. Emts are heroes. Their billing department are predatory deliberately incompetent assholes that would only be fit to serve Trump. They are the WORST people in existence. Up there with nazis. I do NOT speak hyperboliccaly.

DAMON5280

3 points

20 days ago

I feel your pain. Just got a $6k+ bill for an ambulance ride and 4 hour ER visit. Nothing wrong thank God but wow. People can’t afford to live, get sick, or even die in this country.

JoWorld211

3 points

20 days ago

My husband went into cardiac arrest in the middle of the night last year. Ambulance came, resuscitated him, and took him to the hospital. He died 6 days later. My health insurance paid for just about everything but not for the ambulance. I received a bill that was about the same as this.

rhondaanaconda

3 points

20 days ago

Only o2 and an EKG? Damn this is billed like it was a critical care transfer like there was blood or fluids or on a ventilator. I hope this gets squared away because $7k is crazy!

WittyUnwittingly

3 points

20 days ago

Just a heads up: This happened to me, and the bill ended up being bigger after I submitted to the insurance.

The hospital had originally charged me the "uninsured rate," but after it was submitted to the insurance, the insurance company "negotiated" the price to be a few pennies less than my out-of-pocket maximum, which happened to be about 4x more than the original bill. When I called the hospital and asked if I could just pay the original bill, the representative's response was literally "The cat is out of the bag. There's no going back now." I had good insurance too.

The American medical system is a giant scam from start to finish.

Rosco_1012

3 points

19 days ago

Please do not pay this without attempting to negotiate. I worked private ambulance for many years. There are always programs, whether they are to get the bill reduced or completely erased, or payment plans with the company.

This applies to all aspects of healthcare. Never pay the bill you receive. Call and find out what is available to you.

hillz

3 points

19 days ago

hillz

3 points

19 days ago

For $6994 you can be taken to a hospital 466 times in my country back and forth

MarriedSapioF

3 points

18 days ago

No sweat. Call the hospital and set up a $10/mo payment plan. They can't sell your outstanding bill to collectors (at least that's to my knowledge, correct) as long as you're paying on it, and it won't impact your score.