Dan Paluska


a trip to the emergency room in massachusetts
April 13, 2011, 9:18 pm
Filed under: information | Tags: , , , , ,

For most of the last 5 years, I have had no insurance or catastrophic coverage only ($10,000 deductible) so I haven’t been to the hospital in a while. In November, I started getting real insurance from my part time employment with HStar Technologies.

Woke up with a wicked fever about 4 in the morning sometime last December and decided to give the hospital a try. Took a cab (Thanks e.w.) to the nearby Mt. Auburn Hospital. The staff was really nice. Got an IV of some fluids, some ibuprofen and nice words. They ran some tests, nothing major. Sent me home. On my way out I asked the desk person how much it would be. They had no idea what the cost was and told me I would get a bill. I was required to pay the $100 copay before I left.

A series of documents began to arrive over the next month or so. Multiple non-bills and multiple bills. All said and done, the trip cost ~$1400, of which I paid ~$460.
My monthly insurance premium is about $350 (of which I pay half being a part time employee.)
I’ll leave the rest of the math to you. Insurance in Massachusetts is required by law.

You can click on any of the documents to get a higher res version through the flickr page.

The documents:
mt-auburn-bill-1
:
mt-auburn-bill-2
:
mt auburn documents highlighted
:
mt auburn documents highlighted

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1 Comment so far
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It’s a crazy cost/benefit thing to figure out, especially if you’re paying for diagnostics to figure out what’s up (eg, MRI scan). I escaped bankruptcy when I had a bike accident the day my previous (good) insurance expired by getting to the ER before midnight.

This medical service bluebook is pseudo-empowering: http://healthcarebluebook.com

Comment by bryan




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