I recently experienced slight chest discomfort – very slight—during water aerobics. I mentioned it to the nurse in my retirement facility. She recommended calling an ambulance. The six-mile trip to the hospital took a few minutes, for which I was billed $668. I quit paying attention to the bill when I saw that insurance left me with a zero balance. Almost the same with the hospital charges. Those charges amounted to nearly $18,200 for a three-day stay, but when I noted that my portion of the bill was a mere $332, I barely scrutinized it.
My error. Patients should know in detail what’s being charged so they can understand and raise questions about it. While insurance companies review health bills, this is no substitute for patients doing their part.
My hunch is that my experience is more typical than not. When third parties pay much of the tab, there’s little incentive for patients to play what should be an essential role in the health-care system, as a check on provider charges.
If patients can’t or won’t do that, perhaps providers should be required to bear part of the cost for the services they prescribe. That’s a radical remedy for runaway charges that may not stand scrutiny. But there’s little in the health care system that can. When a bill for tens of thousands of dollars arrives in the mail and barely rates a glance, it may be time for radical remedies.
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