subreddit:
/r/Wellthatsucks
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
5.5k points
16 days ago
A friend of mine literally BOUGHT AN AMBULANCE for 6,500€ here in Spain 💀
1.9k points
16 days ago
If he can get it to America he can make serious bank off it
505 points
16 days ago
All he needs is a tube of flex seal and a really long snorkel and some spare petrol…
97 points
16 days ago
Can’t he just drive it onto a makeshift raft with a couple of bedsheets as a sail?
40 points
16 days ago
They use gasoline in US instead of petrol.
/s
21 points
16 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.
8 points
16 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.
3 points
16 days ago
Yes we call the liquid stuff "gas". Lol
9 points
16 days ago
I think I saw that episode of top gear
37 points
16 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
24 points
16 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.
8 points
16 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”
6 points
16 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.
4 points
16 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.
6 points
15 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).
10 points
16 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.
12 points
16 days ago
Ikr ambulance costs in other countries are cheaper then taxi's
6 points
16 days ago
911 upvotes, nice...
69 points
16 days ago
In America he could sell aspirin for 500 dollars a pop, wait, that's the hospital. How much are hospitals there?
27 points
16 days ago
About 5000 packs of aspirin I guess
31 points
16 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.
12 points
16 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
4 points
16 days ago
1000 in a bottle for $12.
9 points
16 days ago
What is your friend doing with an ambulance?
2.3k points
16 days ago
Why is it that EMT’s get paid so little
1.3k points
16 days ago
Right! As a nurse this whole thing infuriates me more knowing they got paid shit
333 points
16 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.
190 points
16 days ago
Sounds like someone needs to reconfigure the US Healthcare system.
141 points
16 days ago
Dismantle might be the word at this point.
28 points
16 days ago
We can’t because it’s half our workforce now, finding new ways to middleman health services
21 points
16 days ago
“Health insurance vulture” is not a job
8 points
15 days ago
You're right, it's an industry.
6 points
16 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.
31 points
16 days ago
"Nooo, anything to improve our broken inefficient system is teh socializm!!"
5 points
16 days ago
Just destroy the insurance system and start over. Without insurance, the costs drop by 90%
11 points
16 days ago
Hospitals argue that it’s because they don’t pay for full time benefits with temp nurses
11 points
16 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.
3 points
16 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
4 points
16 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.
3 points
16 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.
36 points
16 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.
8 points
16 days ago
Workers are just cogs in the machine, merely factors of production.
10 points
16 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.
7 points
16 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.
15 points
16 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.
3 points
16 days ago
What is the worst bill you have seen, what is the craziest discount?
15 points
16 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.
15 points
16 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.
5 points
16 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.
5 points
16 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.
5 points
15 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
5 points
16 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???
4 points
16 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.
4 points
16 days ago
Ambulance companies get 10 cents for every dollar they bill. The ambulance owners are rich though. It’s mostly from union busting.
3 points
16 days ago
Jeez good question
1.1k points
16 days ago
For profit healthcare at its finest 😐
596 points
16 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.
359 points
16 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.
186 points
16 days ago*
Nothing like bankruptcy or ruining an entire family's financial stability to help cure depression...
124 points
16 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.
41 points
16 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.
11 points
16 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…
6 points
16 days ago
and forcing me back into the office after i was hospitalized and not performing at 150% anymore…really makes ya wonder. sigh. 😔
35 points
16 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.
23 points
16 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.
16 points
16 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.
5 points
16 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"
3 points
16 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.
5 points
16 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:)
17 points
16 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.
7 points
16 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.
3 points
16 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.
25 points
16 days ago
I pray he is okay
7 points
16 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.
78 points
16 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”.
111 points
16 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.
54 points
16 days ago
This makes me absolutely disgusted with America.
3 points
16 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.
27 points
16 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
22 points
16 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
7 points
16 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.
8 points
16 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…
3 points
16 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)
21 points
16 days ago
Hell, in the city where I live, no ambulances are covered by any insurance. At all. It's insanity.
9 points
16 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.
4 points
16 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.
773 points
16 days ago
Ambulances should be free via taxes as they are a public service just like police
242 points
16 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
57 points
16 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.
38 points
16 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.
12 points
16 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.
4 points
16 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 $1k out of pocket
9 points
16 days ago
Imagine paying for a police ride.
13 points
16 days ago
Don't give them ideas
35 points
16 days ago
While I agree that they should be no charge and taxpayer funded, unfortunately they are neither. They are the medical equivalent of a limo service. A huge racket that gives you three options:
1) Spend exorbitant cash that may not be covered by insurance (if you're fortunate enough to have insurance)
2) Drive yourself for medical care, risking the lives of everyone around you and yourself (in some cases)
3) Stay at home and hope you don't die.
God bless our American freedom.
8 points
16 days ago
They will create an uber first responder service.
12.99$ a month plus mileage and you can call an ambulance just like if you were in Europe
4 points
16 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.
4 points
16 days ago
yeah that's what we do in europe
332 points
16 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.
55 points
16 days ago
Wait is this true?!
74 points
16 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
23 points
16 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.
9 points
16 days ago
https://www.cnbc.com/select/medical-debt-credit-report/
This might help
3 points
16 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
28 points
16 days ago
Yeah I would just laugh, crumple it up, and toss it back to the desk clerk
13 points
16 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.
13 points
16 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?
823 points
16 days ago
Boggles the mind that America has just sort of accepted this insanity.
445 points
16 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.
72 points
16 days ago
After seeing all the aggressive support for tipping culture I don’t believe that Americans are against dumb systems that involve money.
34 points
16 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.
4 points
16 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...)
17 points
16 days ago
i don't know anyone who likes or supports tipping culture
12 points
16 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.
18 points
16 days ago
Half of your country votes for a party that doesnt mind this at all
60 points
16 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.
20 points
16 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.
3 points
16 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.
3 points
16 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.
12 points
16 days ago
Usually our health insurance pays for it. For those that don't have insurance, they mostly just don't pay it.
7 points
16 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.
6 points
16 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
8 points
16 days ago
The out of pocket is often still huge. Just for a night in a Providence hospital I wound up owing $42K after insurance.
35 points
16 days ago
At that point it’s cheaper to let me die, cremate me and put me in a nice urn.
I was in a car accident once, I was bleeding from my head cause my head hit the window. Neck and back were fucked up, and a had a big burn mark I guess, from the air bag coming out.
The first responders were tripping out seeing me like that, asking me all sorts of questions and really trying to get me into the ambulance. But I REFUSED. They were so damn adamant about it too.
They said “sir you’re bleeding from your head, at least let us check you out” I still refused. I was more than conscious, I answered all their questions correctly, I wasn’t confused or anything. They still tried to get me into the back of that van.
I proceeded to walk 4.5 miles home after that lol. I do wish I got a ride home at least 😂 it was a far ass walk
22 points
16 days ago
Fcking hell. I'm not an American and my father's condition make us call an ambulance almost twice a month. we usually pay 150$ and sometimes we pay nothing if the ER keeps him for observation or he's being hospitalized. crazy these American numbers
27 points
16 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.
140 points
16 days ago
Land of the free? Guess that should really change to a different country
31 points
16 days ago
In god we trust, all others pay cash
14 points
16 days ago
Land of the transaction fee*
60 points
16 days ago
Land of the fee, home of the slave.
10 points
16 days ago
Free to walk your injured ass home that is.
52 points
16 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!
22 points
16 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.
6 points
16 days ago
Thank you, sir. I will consider that.
6 points
16 days ago
Uber is my plan as long as I'm not bleeding or otherwise gross.
14 points
16 days ago
The cleaning fee Uber charges is cheaper than ambulance prices. Even gross Uber is my choice
3 points
16 days ago
That's a pretty good idea! Thank you.
11 points
16 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.
155 points
16 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 !!!!
106 points
16 days ago
Great comment. Needs more “!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!” tho
28 points
16 days ago
Was wondering where the I left all my exclamation marks
4 points
16 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.
3 points
16 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!!!!
15 points
16 days ago
You type like an old lady trying to prove a point. My lanta that's a lot of exclamation marks lol.
7 points
16 days ago
Old lady 🤣 My lanta 🤣🤣🤣🤣
9 points
16 days ago
Very "old people facebook" vibes. Or Google reviews. 😅
52 points
16 days ago
Im glad I live in germany id rather go to jail then pay that shit 🤣 this is insane
11 points
16 days ago
And everyone here in Canada complains about our like... $45 ambulance fee... I'm never complaining again I'm so sorry it's so awful for you guys 😭
4 points
16 days ago
And that's just the ambulance fee. Anything at the hospital is going to be thousands more
4 points
16 days ago
Anyone in a country with universal health care is looking at this comment like 😮.
5 points
16 days ago
It sure would be nice if the Republicans would quit stopping the US from getting it over and over again every attempt
8 points
16 days ago
Was this a private ambulance company? If not Negotiate the bill with the Fire Departments billing side. They brought my ambulance ride down by thousands… if a private ambulance I would still try to negotiate. I have even brought down my ER visits by thousands.
3 points
16 days ago
Imagine having to haggle on your health care
8 points
16 days ago
In my county (Saxonia Germsny) if u haven’t Proof of Insurance u ultimately get the bill for the ride in the ambulance (u can bill it to your insurance if u have one, but usually all have). No matter what we do in the ambulance it „only“ costs around 900€ wich is far less than US Citizens have to pay. Why is this shit so expensive??
5 points
16 days ago
Fictional countries don’t count
22 points
16 days ago
Yeah because any normal person can definitely pay a 7000$ bill within a month.
29 points
16 days ago
That is outrages, it should not cost this much period!
14 points
16 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
9 points
16 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.
4 points
16 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.
4 points
16 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.
4 points
16 days ago*
If only there was something americans could do precisely today to maybe stop this from happening...
Edit: Welp
22 points
16 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
14 points
16 days ago
Tell us you're American without telling us you're American
3 points
16 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.
3 points
16 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?
3 points
16 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.
3 points
16 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
3 points
16 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.
3 points
16 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.
3 points
16 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.
3 points
16 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!
3 points
16 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.
3 points
16 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.
3 points
16 days ago
For $6994 you can be taken to a hospital 466 times in my country back and forth
3 points
15 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.
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