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27 Months

QuickImage Category Personal Health Finance

I just got off the phone with an extremely pleasant lady (Shanelle) from St. Francis Memorial Hospital's Accounts Receivable department. For those of you who are unaware, I visited their facility back in June.

I have received the bill for my visit. The total amount is crazy expensive. How much does 1 night in the cardiac unit of a major hospital cost? I'm not going to give you the actual dollar figure, because that's not the point of this post.

My son is a senior in High School. Next year he will be attending college. He has been looking at various State and Private Universities, considering for to which he will apply. Earlier this summer we actually visited one of his "top" choices. Why am I mentioning this? Well, those 18 or so hours I spent at St. Francis cost more than tuition for any of the Universities we've looked at. It was that expensive.

My portion of the bill is, thankfully, significantly lesss than the total amount (I'm extremely glad I have good insurance). It is however, still huge. So huge that I am unable to pay it in one fell swoop. Which is what prompted my call to Miss Shanelle. She was helpful in getting me set up on a payment plan. Which is what leads to the title of this post. I should have this bill paid off in just a little over 27 months. I think it's kind of interesting how this fits in with the title of these posts.

So there you have it. Yes, we still don't know exactly what the heck it was / is that is going on in my chest. We do know (thanks to the wonderful, albeit expensive, medical attention I've received) that whatever it is, it's not likely to kill me. So I've got that going for me. I've had to make some budget adjustments, things are going to be somewhat uncomfortable financially for a while; but I'm here, I'm alive, I have a great family who loves me, good friends who worry about me, and a good job that pays me to build cool stuff.

You may hear me bitching (sometimes very loudly) about things now and again, but the truth is that life is good.

-Devin

Comments

Gravatar Image1 - Glad to hear you're ok Devin, but your experience saddens me as to the state of affairs in the 'merican insurance industry. It also begs the question, even though you say you have "really good insurance" for which you (and your employer?) probably pay a large chunk of change to every month, why is the portion left for you still so large that it will take over 2 years to pay off? Surely "really good insurance" would either pay the entire balance or at least leave only administrivia costs for you to pay. If not, then why on earth do we continue to fork money into the insurance company's coffers, yet they still expect us policy holders to come up with such a large piece of of the bill?

Makes me sooo mad!

Gravatar Image2 - Just blogged about something similar...you'll laugh/cry at this cartoon:
{ Link }

Gravatar Image3 - Freakin brilliant! I know a few people I'll be sure to send that to!

Thanks Brian.

Gravatar Image4 - When I was in the hospital, I spent quite a bit of time talking with the nurses on my floor (I wasn't sleeping well anyway).

During our late night chat, the conversation eventually came around to medical costs. I'm a firm believer in a system where we purchase insurance (either through our employer group plans or individually) to cover the costs of the rare but really bad (like my heart incident, or car accidents, or cancer treatments) stuff.

Normal medical costs (checkups, cough & cold visits, etc) should be paid for entirely out of our own pockets.

The current system, where we have medical payment plans (check your dictionary before you call it insurance) is, quite simply, crap. That night I spent in the hospital, I was one of the very few with any form of medical coverage. The vast majority had absolutely no coverage whatsoever. The reason my bill was so high is that I (and all people with medical coverage) am helping to pay for all the uncovered people.

Emoticon Please don't take this to mean I'm endorsing or calling for any form of government controlled universal health care system. Recognizing that something is is broken, and wanting it fixed, does NOT mean I want to destroy our economy, ruin the best medical care in the world, or turn over my finances and all decision making to the state.

One final point: Remember the people in the hospital with me, the ones who had no coverage? They were getting medical care.

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