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Reply #61: Yeah, for my shoulder surgery with insurance my out of pocket is over $3000 so far [View All]

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csziggy Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Aug-15-09 12:52 AM
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61. Yeah, for my shoulder surgery with insurance my out of pocket is over $3000 so far
I expected and budgeted for the $2000 deductible, but I did not expect the copays to be as high as they are and the additional bills keep coming in, even though I paid the estimated co-pays and deductible ahead of time for the surgeon and the surgical facility.

The thing that pisses me off is that I did not get told the exact amounts that had to be paid ahead until three days before the surgery and they had to be paid two days before the surgery. So I had to rush in and pay them with little notice - good thing I had budgeted for them!

The other part that gets me is that in 1994 I had much more extensive surgery on my other shoulder - a total reconstruction of the rotator cuff. That was the kind of surgery surgeons write up to share with their colleagues and show the video of at conferences. We had no insurance then and paid out of pocket for everything. The total bill was about $12,000, including physical therapy.

This surgery, which lasted a quarter of the time and was not anywhere near as involved, apparently was billed at more than four times that amount to the insurance company - and I have not done a real total so it may be five times as much. I am stunned at the increase in costs in fifteen years.

Yes, getting surgery without insurance sucks, but it sucks pretty bad WITH insurance!
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  -My broken finger has cost me $460 so far, and I have insurance. SeattleGirl  Aug-14-09 10:03 PM   #0 
  - I have friends in other countries who pay around that much for a surgical operation  brentspeak   Aug-14-09 10:05 PM   #1 
  - I've read and heard stories like that. WTF is wrong with us anyway?  SeattleGirl   Aug-14-09 10:07 PM   #7 
  - I live in Canada and I once broke my right hand's pinky ...  Amonester   Aug-14-09 11:53 PM   #48 
  - I forgot to add: I (we) pay higher taxes on everything, but...  Amonester   Aug-15-09 12:21 AM   #55 
     - I don't think I would mind that much either, if I knew that a medical  SeattleGirl   Aug-15-09 12:27 AM   #57 
     - But there's the difference; you LIKE the idea of helping others. Most  Lorien   Aug-15-09 01:01 AM   #66 
  - This is the lesson. Health insurance will never be enough.  TexasObserver   Aug-14-09 10:06 PM   #2 
  - Absolutely.  SeattleGirl   Aug-14-09 10:09 PM   #8 
  - four hundred and fifty dollars?!?! -- sorry -- that hurts just to read about it. nt  xchrom   Aug-14-09 10:06 PM   #3 
  - Yep. $25 co-oay just to walk in to door at the doc's office, and the  SeattleGirl   Aug-14-09 10:11 PM   #9 
  - K&R  SammyWinstonJack   Aug-14-09 10:07 PM   #4 
  - Obama's plan to bribe the criminal scumbag insurance companies is just plain wrong.  John Q. Citizen   Aug-14-09 10:07 PM   #5 
  - I feel that my insurance premiums are used only to line the pockets  SeattleGirl   Aug-14-09 10:12 PM   #10 
  - We might have the same plan.  NYC_SKP   Aug-14-09 10:07 PM   #6 
  - And this wonderful in-network, out-of-network dance...  mwooldri   Aug-14-09 10:12 PM   #11 
  - Oh now, that is just insane!  SeattleGirl   Aug-14-09 10:15 PM   #13 
  - Yep. And it's not like the doc sent me to PT just for shits and giggles.  SeattleGirl   Aug-14-09 10:14 PM   #12 
  - How badly was it broken? PT for a broken finger.  Fire_Medic_Dave   Aug-14-09 10:15 PM   #14 
  - I sprained it at the same time I broke it, and am still working on  SeattleGirl   Aug-14-09 10:19 PM   #18 
  - Hope it heals well.  Fire_Medic_Dave   Aug-14-09 10:22 PM   #23 
     - Thanks.  SeattleGirl   Aug-14-09 10:24 PM   #25 
  - I bet I could break your finger in a way such that  mudplanet   Aug-15-09 12:52 AM   #62 
     - That's funny.  Fire_Medic_Dave   Aug-15-09 01:08 AM   #70 
  - My cousin had insurance through his work and they still refused to give him treatment  aint_no_life_nowhere   Aug-14-09 10:15 PM   #15 
  - Why didn't he just go to a fire station for an EKG?  Fire_Medic_Dave   Aug-14-09 10:17 PM   #17 
  - Three months of intensive treatment  aint_no_life_nowhere   Aug-14-09 10:26 PM   #29 
  - Good grief!  SeattleGirl   Aug-14-09 10:21 PM   #20 
  - It's illegal if it's related to a specific injury or if it occurs right after filing a claim  aint_no_life_nowhere   Aug-14-09 10:36 PM   #37 
     - One thing to keep in mind is that each state's workers comp rules  SeattleGirl   Aug-14-09 10:43 PM   #39 
        - You're a workers comp claims adjuster?  aint_no_life_nowhere   Aug-14-09 10:53 PM   #41 
           - Nope, vocational rehab counselor.  SeattleGirl   Aug-14-09 10:55 PM   #42 
  - That should be criminal.  ThomCat   Aug-15-09 03:09 AM   #79 
     - Hi ThomCat. I agree, and think that insurance and pharmaceutical  SeattleGirl   Aug-15-09 03:15 AM   #81 
  - Our insurance company sent out a letter encouraging my husband and I to have a colonoscopy...  Contrary1   Aug-14-09 10:16 PM   #16 
  - Bet the $1200 part wasn't in the letter, was it?  SeattleGirl   Aug-14-09 10:22 PM   #21 
  - My friend's insurance company paid for most of her colonoscopy  dflprincess   Aug-15-09 12:39 AM   #59 
  - This insurance malarky just sucks rotten eggs.  mwooldri   Aug-14-09 10:20 PM   #19 
  - It does suck, that's for sure.  SeattleGirl   Aug-14-09 10:23 PM   #24 
  - Instead of paying them insurance premiums, you should have bought insurance company stock. n/t  AdHocSolver   Aug-14-09 10:22 PM   #22 
  - Hey, there you go! If I had, I could probably retire, AND have  SeattleGirl   Aug-14-09 10:24 PM   #26 
  - That is why I want everybody to have what I got  nadinbrzezinski   Aug-14-09 10:25 PM   #27 
  - Exactly what we need!  SeattleGirl   Aug-14-09 10:29 PM   #31 
  - My ex's cancer has cost her $13,500 so far, with insurance.  Speck Tater   Aug-14-09 10:26 PM   #28 
  - Thank God, yes. I'm so glad it's in remission.  SeattleGirl   Aug-14-09 10:30 PM   #32 
  - I had my knee scoped in June.  Catshrink   Aug-14-09 10:27 PM   #30 
  - How's the knee now?  SeattleGirl   Aug-14-09 10:31 PM   #33 
     - It's amazing!  Catshrink   Aug-14-09 11:02 PM   #43 
  - You shouldn't have broken your finger  Oeditpus Rex   Aug-14-09 10:33 PM   #34 
  - +1 nt  SammyWinstonJack   Aug-14-09 10:34 PM   #35 
  - Yeah, I know. Guess I'm just a dumb librul!  SeattleGirl   Aug-14-09 10:34 PM   #36 
  - no yelling at you - just at the insurance companies.  handmade34   Aug-14-09 10:42 PM   #38 
  - $1200 a month? Was that including family members or just for you?  SeattleGirl   Aug-14-09 10:44 PM   #40 
  - your insurance sucks. ive posted about mine  paulsby   Aug-14-09 11:14 PM   #44 
  - I want what you have!  handmade34   Aug-14-09 11:26 PM   # 
  - like i said  paulsby   Aug-15-09 12:08 AM   #51 
  - Sounds like you have a great plan, paulsby  SeattleGirl   Aug-14-09 11:26 PM   #45 
     - i recognize that  paulsby   Aug-15-09 12:09 AM   #52 
  - The reason your finger has cost $450 so far is because of trial lawyers  chicago legal pro   Aug-14-09 11:32 PM   #46 
  - Sorry, but I do believe that is wrong. The costs come from  SeattleGirl   Aug-15-09 12:06 AM   #49 
  - Everyone puts profits above people  chicago legal pro   Aug-15-09 02:20 PM   #93 
  - It's no more corrupt than health insurers  Missy Vixen   Aug-15-09 01:01 AM   #67 
  - "No more corrupt than health insurers"  chicago legal pro   Aug-15-09 02:23 PM   #94 
     - Hey, CLP  Missy Vixen   Aug-15-09 03:44 PM   #100 
        - You know it, Missy!  SeattleGirl   Aug-15-09 03:46 PM   #101 
        - 2004 but just recently posting  chicago legal pro   Aug-15-09 04:04 PM   #108 
           - They are still not the primary cause of high insurance/drug costs.  SeattleGirl   Aug-15-09 04:11 PM   #111 
  - Malpractice insurance is less than 1% of your doctor's bill!  B Calm   Aug-15-09 07:37 AM   #88 
  - The cost doesn't come from insurance  chicago legal pro   Aug-15-09 02:16 PM   #92 
     - Uh-huh, RIIGGHHTTT. You do realize that most insurance companies are corporations, right?  rvablue   Aug-15-09 04:00 PM   #106 
        - You do realize that trial lawyers work for corporations  chicago legal pro   Aug-15-09 04:11 PM   #112 
  - That's right coporate health care companies and their never ending need to increase  rvablue   Aug-15-09 03:58 PM   #104 
     - Sorry to let you in on a little fact  chicago legal pro   Aug-15-09 04:08 PM   #109 
  - This screams for the public option. With real competition the private  OHdem10   Aug-14-09 11:46 PM   #47 
  - Yes, they will, and they will also most likely have to drop their  SeattleGirl   Aug-15-09 12:07 AM   #50 
  - Last year it cost just over $6000 for me to find out  dflprincess   Aug-15-09 12:18 AM   #53 
  - It's all so messed up, isn't it.  SeattleGirl   Aug-15-09 12:20 AM   #54 
  - Our employer went to HSAs thrree years ago  exboyfil   Aug-15-09 02:27 AM   #75 
     - $4300? That's obscene that they won't pay anything until you pay  SeattleGirl   Aug-15-09 02:32 AM   #76 
        - Alot of raised voices when the plan got rolled out but what  exboyfil   Aug-15-09 03:06 AM   #77 
           - I wonder the same thing.  SeattleGirl   Aug-15-09 03:08 AM   #78 
  - I have paid a total of around $20 for the ruptured disk in my neck  JCMach1   Aug-15-09 12:22 AM   #56 
  - That sucks that the diagnosis was wrong, but at least it didn't  SeattleGirl   Aug-15-09 12:28 AM   #58 
  - Exactly... even the UAE has a health care system that works  JCMach1   Aug-15-09 03:32 AM   #84 
  - The downside to that...  Spider Jerusalem   Aug-15-09 12:44 AM   #60 
     - Teaching democracy, peace, argumentation  JCMach1   Aug-15-09 03:31 AM   #83 
     - Well well well  lildreamer316   Aug-15-09 07:48 AM   #89 
  - I have a insurance and a badly sprained ankle in need of an MRI and surgery  Lorien   Aug-15-09 12:52 AM   # 
  - I am so sorry to hear this, Lorien.  SeattleGirl   Aug-15-09 12:55 AM   #63 
     - No, they should not. I hope that you heal soon  Lorien   Aug-15-09 01:05 AM   #68 
        - Thanks.  SeattleGirl   Aug-15-09 01:09 AM   #71 
  - Yeah, for my shoulder surgery with insurance my out of pocket is over $3000 so far  csziggy   Aug-15-09 12:52 AM   #61 
  - Only three days notice on what the cost would be?  SeattleGirl   Aug-15-09 12:57 AM   #64 
     - No kidding - but like I said I had budgeted for the deductible and some extra  csziggy   Aug-15-09 01:13 AM   #72 
        - It wouldn't surprise me at all if the insurance company was behind  SeattleGirl   Aug-15-09 01:17 AM   #74 
  - Last year I had constipation that cost me over $1000,  Ron Green   Aug-15-09 12:58 AM   #65 
  - My weekend in the county hospital cost me $11,700.00  keepCAblue   Aug-15-09 01:07 AM   #69 
  - You know, I have half a mind to send this thread to the White House,  SeattleGirl   Aug-15-09 01:16 AM   #73 
     - We, the uninsurable, are just one hospital visit away from catastrophic financial ruin.  keepCAblue   Aug-15-09 10:28 AM   #91 
        - I would love to say "unreal!" in disbelief at your story, but unfortunately,  SeattleGirl   Aug-15-09 03:30 PM   #95 
  - I am sorry, both for your broken finger and the cost.  ThomCat   Aug-15-09 03:15 AM   #80 
  - Yep.  SeattleGirl   Aug-15-09 03:17 AM   #82 
  - I heard about a guy who found out he had high blood pressure  B Calm   Aug-15-09 05:27 AM   #85 
  - Substance abuse?  SeattleGirl   Aug-15-09 03:33 PM   #96 
     - Yep.. That's what they called it. Amazing how they think up ways to deny payment!  B Calm   Aug-17-09 03:02 AM   #115 
  - This is the untold story.  Enthusiast   Aug-15-09 05:39 AM   #86 
  - You're right, Enthusiast.  SeattleGirl   Aug-15-09 03:34 PM   #97 
     - And if nothing is done to  Enthusiast   Aug-16-09 04:41 AM   #113 
  - I posted this on another thread  lillypaddle   Aug-15-09 05:46 AM   #87 
  - Bottom line, the healthcare system in this country is criminal.  SeattleGirl   Aug-15-09 03:36 PM   #98 
  - we are paying for our insurance monthly. how would it suck far worse if i didnt have insurance  seabeyond   Aug-15-09 08:11 AM   #90 
  - I think almost everyone in this country is getting the ultimate fuck  SeattleGirl   Aug-15-09 03:39 PM   #99 
     - ya, i hear ya. a general, feeding off each other, fuck you to all. lacking integrity  seabeyond   Aug-15-09 04:10 PM   #110 
  - Insurance companies should be regulated like utilities used to be.  alarimer   Aug-15-09 03:50 PM   #102 
  - I, too, think they should be regulated.  SeattleGirl   Aug-15-09 03:59 PM   #105 
  - I have 2 pinched nerves in my neck which cost me $2000  Hansel   Aug-15-09 03:54 PM   #103 
  - I often wonder why the hospitals write off so much of the cost of some  SeattleGirl   Aug-15-09 04:01 PM   #107 
  - Your system is crazy  Kingdom1979   Aug-16-09 05:02 AM   #114 
     - thanks Kingdom  Skittles   Aug-17-09 05:15 AM   #116 

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