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Author Topic: Cost after insurance?  (Read 14468 times)

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halfdone

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Re: Cost after insurance?
« Reply #20 on: May 18, 2011, 02:28:42 PM »
Quote
But... didn't you get a pair of complimentary TEDS socks???    ;D

There's a separate $1,000 bill for those in the mail.  :o

But I'll throw them in for free if you rent my leg pimp  ;D ;D
« Last Edit: May 18, 2011, 02:32:19 PM by halfdone »

Lopsided

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Re: Cost after insurance?
« Reply #21 on: May 18, 2011, 02:41:35 PM »
Quote
But... didn't you get a pair of complimentary TEDS socks???    ;D

There's a separate $1,000 bill for those in the mail.  :o

But I'll throw them in for free if you rent my leg pimp  ;D ;D

Halfdone, is that a hippo in your picture?

Hernanu, where is your picture?





Proud To Be Dr. De Smet's First Uncemented Conserve Plus, Left, August 2010

halfdone

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Re: Cost after insurance?
« Reply #22 on: May 18, 2011, 02:47:29 PM »
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Halfdone, is that a hippo in your picture?
Yup Lop, that's Hippy Hippo cruising the Zambezi

FlbrkMike

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Re: Cost after insurance?
« Reply #23 on: May 18, 2011, 02:49:35 PM »
Just got the first bill from the hospital ... total billed a tad over $56K, with almost $19K for the device itself.  Wow.  Amazing.

Kate,

Have you seen the Explanation of Benefits or any kind of claim form from your insurance?  The costs billed by the hospital are always highly inflated and they never collect that amount from insurance.  The hospital bill from my first surgery was also around $56K (not including the surgeon, anesthesiologist, labs, etc.) and I had the same initial reaction (  :o ) but after being adjusted for the "allowed" amounts (which are pre-negotiated rates between the insurance company and providers) it came out to about $19K.  Still a hefty price tag but not nearly the original.
Dr. Ball
56 years old
LBHR 2/11/11
RBHR 3/11/11

Lopsided

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Re: Cost after insurance?
« Reply #24 on: May 18, 2011, 02:54:07 PM »
Quote
Halfdone, is that a hippo in your picture?
Yup Lop, that's Hippy Hippo cruising the Zambezi

Ahha. Now I get the connection.



Proud To Be Dr. De Smet's First Uncemented Conserve Plus, Left, August 2010

FlbrkMike

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Re: Cost after insurance?
« Reply #25 on: May 18, 2011, 02:57:38 PM »
Quote
But... didn't you get a pair of complimentary TEDS socks???    ;D

There's a separate $1,000 bill for those in the mail.  :o

But I'll throw them in for free if you rent my leg pimp  ;D ;D

The items I have but no longer use include:

two pairs of knee-high TEDs
two pairs of those little skid proof hospital socks
one pair of slightly used but admittedly inferior axillary crutches
one grabber
one 6" bed wedge
one collapsible cane (black and bronze painted)

If we all got together and pooled our unneeded equipment we could start a pretty complete used home healthcare supplies store.


Dr. Ball
56 years old
LBHR 2/11/11
RBHR 3/11/11

halfdone

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Re: Cost after insurance?
« Reply #26 on: May 18, 2011, 03:03:03 PM »
Plus one raised toilet seat.

But let's NOT recycle our unused opiate pain meds!

Lopsided

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Re: Cost after insurance?
« Reply #27 on: May 18, 2011, 04:02:06 PM »
If we all got together and pooled our unneeded equipment we could start a pretty complete used home healthcare supplies store.

And sell it all off at highly inflated prices to the insurance companies.



Proud To Be Dr. De Smet's First Uncemented Conserve Plus, Left, August 2010

hernanu

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Re: Cost after insurance?
« Reply #28 on: May 18, 2011, 04:22:48 PM »
Quote
But... didn't you get a pair of complimentary TEDS socks???    ;D

There's a separate $1,000 bill for those in the mail.  :o

But I'll throw them in for free if you rent my leg pimp  ;D ;D

Halfdone, is that a hippo in your picture?

Hernanu, where is your picture?





Yikes! forgot to put one up
Hernan, LHR 8/24/2010, RHR 11/29/2010 - Cormet, Dr. Snyder

Lopsided

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Re: Cost after insurance?
« Reply #29 on: May 19, 2011, 01:47:36 AM »
Yikes! forgot to put one up

Ahha. Now we know what you look like.



Proud To Be Dr. De Smet's First Uncemented Conserve Plus, Left, August 2010

Lori Cee

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Re: Cost after insurance?
« Reply #30 on: May 19, 2011, 02:02:33 AM »
But... didn't you get a pair of complimentary TEDS socks???    ;D

I got a pair of TEDs (for BEDs) and two pairs of Venosan's (for day - nothing smart here - suggestions?).

Pretty much everything else I had to buy.  Some will be able to be donated on, whereas others probably won't.  The reacher is a new toy that my husband loves and whilst I'm not exactly sure what it's ongoing use will be, I just know that I won't be able to pass it on!

I think I'll end up out of pocket about 7K by the time all is said and done (this includes physio now I'm home).  I'm pretty happy with that for both sides especially considering that so far the itemised bill I've received only covers the first week and not the surgeon and anaesthesiologist and we are at 45K.  There was another three weeks in rehab that haven't yet been billed and if you add all those in I'd say I'll hit 85K or more.  
Bilateral Birmingham Mid Head Resection (BMHR): 8 April 2011 (Dr Simon Journeaux at Mater Private).
To follow my progress visit my blog: Bilateral Hip Replacement

hernanu

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Re: Cost after insurance?
« Reply #31 on: May 19, 2011, 01:40:23 PM »
Yikes! forgot to put one up

Ahha. Now we know what you look like.



Not my best side, but in the right light.....  8)
Hernan, LHR 8/24/2010, RHR 11/29/2010 - Cormet, Dr. Snyder

phillwad

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Re: Cost after insurance?
« Reply #32 on: May 22, 2011, 01:40:51 PM »

Kate,
Have you seen the Explanation of Benefits or any kind of claim form from your insurance?  The costs billed by the hospital are always highly inflated and they never collect that amount from insurance.  [/quote]

I use the Explanation of Benefits (EoB) - not SoB! - to track what I should and should not pay.  Be carefull of the hospital bills as I saw some that were sent to me before they had got a response back from the insurance comapy - there is a column "what you owe now".  It is like a little dective plot that we all need to track.

FlbrkMike

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Re: Cost after insurance?
« Reply #33 on: May 22, 2011, 02:55:04 PM »
Amen to that Phill.

With these surgeries I've become very "pro-active" in following my costs, which I've never really done before with medical expenses.  With all of the different charges and line items, the bills and EoBs can be very confusing so I've created a little spreadsheet to track "amount billed", "amount paid", "amount we (the ins. co.) paid", "non-covered", "deductible", and "copayment / co-insurance" amounts.  Also, when and how much I paid, and which account (Health Savings Account or normal credit card) I used.  I have a $7,000 annual out of pocket maximum so I will have eventually (before the end of the year) to go back to my "pre-surgery" costs and see exactly what I've paid out.  I've already found through this tracking that PT, which has been billing my HSA directly, has been overcharging me for the past four weeks or so.  I've blown way past my OOP maximum but they've still been charging me the 20% copay, not through their own fault but because of a mistake by Blue Shield in telling them what they should be charging me.  I'll be getting a refund for that.

Dr. Ball
56 years old
LBHR 2/11/11
RBHR 3/11/11

halfdone

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Re: Cost after insurance?
« Reply #34 on: May 24, 2011, 11:05:08 AM »
Hi Everyone.  I'm just wondering for those of you with co-pays, when you pay your co-pays, is your share of the cost based on the price charged by the hospital or on the reimbursement paid by the insurer?

hernanu

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Re: Cost after insurance?
« Reply #35 on: May 24, 2011, 02:15:31 PM »
With me, who knows, since the amount was so small compared to the overall bill. ~$100,000 for both hips, $400 to me.
Hernan, LHR 8/24/2010, RHR 11/29/2010 - Cormet, Dr. Snyder

FlbrkMike

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Re: Cost after insurance?
« Reply #36 on: May 24, 2011, 02:42:20 PM »
Hi Everyone.  I'm just wondering for those of you with co-pays, when you pay your co-pays, is your share of the cost based on the price charged by the hospital or on the reimbursement paid by the insurer?

I'm pretty sure that my co-pay (which kicks in after the deductible is met and lasts until the annual out of pocket is met) is 20% of the allowed amount, which is the cost that the insurance company and provider have agreed upon.  Even then, I  blew through my OOP before paying off my first procedure.
Dr. Ball
56 years old
LBHR 2/11/11
RBHR 3/11/11

Denver_wrench

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Re: Cost after insurance?
« Reply #37 on: July 04, 2011, 01:45:27 AM »
$5k on Kaiser's individual 70% $2k deductible plan. They promise.
LBHR June 9, 2011, St. Joseph's, Denver, CO

Denver_wrench

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Re: Cost after insurance?
« Reply #38 on: September 03, 2011, 10:42:40 PM »
$5,000 means $7,000 with Kaiser. It's the new math ($2000 deductible + $5000 out of pocket. Out of pocket means out-of-pocket PLUS the ded.).
LBHR June 9, 2011, St. Joseph's, Denver, CO

Tin Soldier

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Re: Cost after insurance?
« Reply #39 on: September 04, 2011, 07:57:54 PM »
I did both in one year, the first was $1000 for the deductible, and the second had an additional $500 co-pay instated mid year because my insurance wants to deter people from doing HR, thereby saving themselves $40K to $50K per hip (US).  They added the co-pay as soon as the FDA asked for more data, but they never could tell me that that is why they instated it.  I think it would take more than a $500 co-pay to deter me, but don't tell them that.  ;) 
LBHR 2/22/11, RBHR 8/23/11 - Pritchett.

 

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