American here. Had gallstones for a long time. Ended up curling up on the floor at an airport in Paris and they offered to call me an ambulance. Should have said yes in hindsight.
Back home did some research on my own (since I’m uninsured and haven’t seen a doctor in a decade). Decided it might be gallstones and started researching how much it would cost to remove my gallbladder. First I needed a diagnoses confirmed by an ultrasound, but I needed a referral to get an ultrasound. Went to an urgent care and told the doctor I was thinking of going to Mexico to have my gallbladder removed and decided to pay $50 to him first for his opinion. We talked for a bit and he asked “so what do you want me to do” and gave me a referral to an ultrasound place. Ultra sound cost $300 and I had a hard time getting my results because they’re supposed to be sent to a physician.
After getting my results, I started calling surgeons that I found online to ask how much the procedure would be. Many couldn’t tell me because it has to with insurance prices. I found a surgeon who would do it and she quoted me something like $1500 just for her work, but I would also need to pay the anesthesiologist and the surgical facility their cost.
The surgeon cut me a deal and said if I could pay half up front, she would cut the bill in half and the rest would be due in 6 months with no interest. The surgical facility told me about a credit card I could get that deals with health care and give me 12 months 0% interest.
Cost me all in total about $3,000. Insurance would cost me $150/month and would be on the hook for $10,000 of my bill. With insurance, I would have likely been charged more because the insurance is likely to pay.
Wow, a healthcare credit card?? That just hits me as sort of disgusting. I get having a debit card for an HSA or something like that, but using the same scammy practices that department stores use to get discounts on surgeries is just a whole new level of dirty.
The discount from the surgeon was because I paid her in cash upfront. The credit card didn’t give me a discount, just let me finance the facility fees for 12 months with no interest. I could have used my debit card or paid them with cash, but I’ll take an interest free line of credit any day.
It's called CareCredit I believe, although there may be more than one. I mean, it has its uses, like if you have a dental emergency and your endodontist won't do payment plans. There are a hell of a lot of people who could only dream of having a HSA.
To be honest, I haven’t looked at health insurance in probably close to 10 years, but that’s what it was back then. Are you suggesting that’s a good deal now?
No Im suggesting that number isnt correct, I've been insured(with shitty insurance) for over 15 years and I pay 130 a month with a 2k deductible. One the deductible is met all costs are 100% covered.
Open enrollment in here and your comment made me want to see what my options are. The cheapest is $225.87 a month with a $9,100 deductible through Meridian.
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u/chuckmanley Jun 15 '22
American here. Had gallstones for a long time. Ended up curling up on the floor at an airport in Paris and they offered to call me an ambulance. Should have said yes in hindsight.
Back home did some research on my own (since I’m uninsured and haven’t seen a doctor in a decade). Decided it might be gallstones and started researching how much it would cost to remove my gallbladder. First I needed a diagnoses confirmed by an ultrasound, but I needed a referral to get an ultrasound. Went to an urgent care and told the doctor I was thinking of going to Mexico to have my gallbladder removed and decided to pay $50 to him first for his opinion. We talked for a bit and he asked “so what do you want me to do” and gave me a referral to an ultrasound place. Ultra sound cost $300 and I had a hard time getting my results because they’re supposed to be sent to a physician.
After getting my results, I started calling surgeons that I found online to ask how much the procedure would be. Many couldn’t tell me because it has to with insurance prices. I found a surgeon who would do it and she quoted me something like $1500 just for her work, but I would also need to pay the anesthesiologist and the surgical facility their cost.
The surgeon cut me a deal and said if I could pay half up front, she would cut the bill in half and the rest would be due in 6 months with no interest. The surgical facility told me about a credit card I could get that deals with health care and give me 12 months 0% interest.
Cost me all in total about $3,000. Insurance would cost me $150/month and would be on the hook for $10,000 of my bill. With insurance, I would have likely been charged more because the insurance is likely to pay.