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Coronavirus: Man receives $3,500 medical bill for test after returning to US fro
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Date: February 27th, 2020 4:04 AM Author: Bateful station preventive strike A Miami man has received a nearly $3,500 medical bill after getting coronavirus tests following his trip to China.
Osmel Martinez Azcue returned from a work trip last month to China and discovered he was feeling flu-like symptoms. Worried about the coronavirus, the man decided to go to a Florida hospital to get tested, according to the Miami Herald.
Testing revealed Mr Azcue had the flu, not the coronavirus. But his limited health insurance left him with a bill of $3,270 two weeks after his test. He will be responsible for $1,400 of that bill.
"How can they expect normal citizens to contribute to eliminating the potential risk of person-to-person spread if hospitals are waiting to charge us $3,270 for a simple blood test and a nasal swab?" Mr Azcue told the newspaper.
Mr Azcue previously had insurance through the Affordable Care Act. He picked that insurance as he makes $55,000 through his job at a medical-device company, and it does not provide a health insurance plan.
Once he first purchased the plan, he was paying $278 per month. These premiums then shot up to $400 once his full salary kicked in, forcing the man to cancel the coverage and pay $180 per month for a limited plan through National General Insurance.
This decision comes as the Trump administration rolled back the Affordable Care Act regulations in 2018 and allowed "junk plans" on the market.
These junk plans offer short-term, low-benefit coverage for people, but they also are not required to meet the law's standards for health coverage, meaning the plans could avoid covering pre-existing conditions or offering protections from large out-of-pocket expenses.
One problem people run into when shopping for insurance plans is the way these junk plans are advertised. Someone might think they have coverage for certain expenses only to discover later they don't.
Mr Azcue discovered that not only does he owe $1,400 out of pocket, but he also needs to provide his insurer with three years of medical records to prove that the flu he got didn't relate to a pre-existing condition. If for some reason the flu related to a pre-existing condition, then the insurer would no longer pay a portion of the man's bill.
Jackson Memorial Hospital, where Mr Azcue received his tests, told the Miami Herald more bills are on its way to the man. It is not clear what else he will have to pay for after getting tested for the coronavirus.
https://www.independent.co.uk/news/world/americas/coronavirus-test-medical-bill-china-us-miami-osmel-martinez-azcue-a9358146.html |
Date: February 27th, 2020 4:05 AM Author: Bateful station preventive strike More cases like this will make people mad at insurance companies and further popularize M4A. hth (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660062) |
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Date: February 27th, 2020 8:10 AM Author: Erotic striped hyena he could have had decent insurance for $400/mo but decided to cheap out instead. He would probably pay more than that in new taxes for single payer. plus he lives in Florida and doesn't have to pay state income taxes so he saves a few thousand $ a year just from that compared to the rest of the country.
clearly this means the system is totally broken and we need to spend $3T a year on single payer that will fuck up healthcare for half the country. |
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Date: February 27th, 2020 10:48 AM Author: big bisexual principal's office isn't 5k/year for medical insurance a little high for a man making 55k pretax? (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39661028) |
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Date: February 27th, 2020 12:43 PM Author: Disturbing orchid boiling water The U.S. spends almost 20% of GDP on health care, which is fucking absurd. But relative to that, 10% is a good deal. But he probably would have had deductibles and copays. (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39661671) |
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Date: February 27th, 2020 1:08 PM Author: big bisexual principal's office don't some of his taxes already go to "healthcare" right now even before the 5k? (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39661836) |
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Date: February 27th, 2020 1:11 PM Author: Disturbing orchid boiling water Yes, not his health care but someone's. (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39661866) |
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Date: February 27th, 2020 1:17 PM Author: Erotic striped hyena no (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39661918) |
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Date: February 27th, 2020 11:07 AM Author: Bateful station preventive strike Okay, then how about ACA, but ban junk plans, the same way Obamacare had it up to a year or two ago. or is that too much government interference (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39661163) |
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Date: February 27th, 2020 11:54 AM Author: Erotic striped hyena if people would rather have catastrophic plans and save for routine expenses on their own, they should be able to. the guy's plan either paid or negotiated down more than half the cost anyways, which isn't that terrible.
what's actually fucked up is hospitals charging $3500 for a blood test. govt should maybe do something about that. |
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Date: February 27th, 2020 1:10 PM Author: Disturbing orchid boiling water "govt should maybe do something about that."
Modest proposal: All charges not clearly conveyed to the patient shortly before service is provided are subject to being challenged on reasonableness grounds. Charges not clearly conveyed generally will be presumed unreasonable. Accommodations regarding notification will be made for emergency services. If the charge is reduced at least 10%, the patient-plaintiff will be awarded additional statutory damages of 50% the amount of the reduction, with minimum damages of $1,500 and maximum damages of $250,000. Prevailing party is awarded fees. Plaintiff may reject any arbitration administrator not explicitly negotiated for. Statutory protections cannot be waived. |
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Date: February 27th, 2020 1:24 PM Author: exhilarant therapy Why don’t you start a hospital that charges less? (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39661969) |
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Date: February 27th, 2020 2:12 PM Author: Disturbing orchid boiling water 1. That wouldn't be remotely effective to address the problem.
2. Among other things, I don't have the necessary money, connections, and credibility. |
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Date: February 27th, 2020 2:20 PM Author: razzle buff kitty "no problem if insurance paper pushers charge $4800/yr for jack shit coverage, but physicians who literally save lives better institute price controls they are the enemy of the people!" (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39662358) |
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Date: February 27th, 2020 4:00 PM Author: Erotic striped hyena yep, $3500 to run a simple blood test is completely reasonable and obviously the delicate genius doctors can't be bothered to tell the patient what it's going to cost before it's done. (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39663064) |
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Date: February 27th, 2020 10:32 AM Author: Swashbuckling Doobsian Old Irish Cottage (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660919) |
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Date: February 27th, 2020 3:16 PM Author: floppy theatre milk (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39662781) |
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Date: February 27th, 2020 4:09 AM Author: Excitant trump supporter gas station Lol the test was probably 100 if he just paid cash (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660065) |
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Date: February 27th, 2020 4:20 AM Author: Spectacular kink-friendly dopamine blood rage "Trump's America" (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660070) |
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Date: February 27th, 2020 7:54 AM Author: Erotic striped hyena where a hispanic man with that double last name shit can earn a comfortable salary in the medical device industry, refuse to pay a reasonable amount for govt subsidized insurance instead opting for a cheap catastrophic plan, get a ridiculous bill for a basic blood test, have his shitty insurance pay out according the the policy guidelines, make up some bullshit about pre-existing conditions that probably never happened, the story gets picked up by brits and retards on the internet sprint to blame everything on the insurance co and not the hospital or the guy for not getting normal insurance?
yep, "Trump's America" indeed |
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Date: February 27th, 2020 10:38 AM Author: Infuriating point queen of the night government subsidized health insurance is "reasonable" at >10% of after tax income (and probably a 50% premium increase plus shittier benefits/higher deductible from a couple years before)? (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660958) |
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Date: February 27th, 2020 10:41 AM Author: Erotic striped hyena he'd pay more than $400 a month in taxes if we went to single payer.
working for a company that does not provide insurance is not ideal. if he actually is employable in the medical device industry, he should probably apply to jobs at the 99.999% of med device companies that do provide insurance. make his shit company realize they can't pull this shit and keep ppl around. |
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Date: February 27th, 2020 4:40 AM Author: Sienna faggot firefighter gay wizard Wtf? Why would the cost of the procedure not be communicated to the purchaser? (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660074) |
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Date: February 27th, 2020 8:18 AM Author: Disrespectful Racy Dingle Berry (guy new to US healthcare) (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660332) |
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Date: February 27th, 2020 2:22 PM Author: razzle buff kitty all sorts of fucking insane possible reasons, including NDAs between test manufacturers and their hospital clients such that they legally CANNOT disclose up front what the cost could be there's some article about a dood whose wife was pregnant trying to comparison shop for hospital to deliver baby and being utterly unable despite dozens and dozens of hours and phone calls to get firm quotes, and this was one of the reasons
of course the government could ban NDAs, but too much gov't interfetterence |
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Date: February 27th, 2020 4:41 AM Author: smoky stirring skinny woman nursing home just one of the hundreds of millions of americans that love their health insurance (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660075) |
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Date: February 27th, 2020 10:32 AM Author: Erotic striped hyena yep, this moron who refused a taxpayer subsidized plan because it saved him a few hundred bucks a month clearly represents the hundreds of millions of people with normal insurance. (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660915) |
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Date: February 27th, 2020 2:23 PM Author: razzle buff kitty "a few hundred bucks a month"
that's kind of a lot of money for someone making 55k bro |
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Date: February 27th, 2020 4:02 PM Author: Erotic striped hyena no it isn't. i get that everyone here trips over themselves to brag about how rich they are, but you can afford to pay that on $55K. (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39663076) |
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Date: February 27th, 2020 4:51 AM Author: stimulating halford rigpig how is $3,270 = $3,500 ? (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660079) |
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Date: February 27th, 2020 7:42 AM Author: Hyperventilating bawdyhouse + tip (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660298) |
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Date: February 27th, 2020 12:45 PM Author: Hideous Theater You always tip your corona virus testing facility. (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39661687) |
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Date: February 27th, 2020 2:24 PM Author: razzle buff kitty it's closer to 3500 than 3000, and it's common to see people round to nearest 500 at dollar amounts in the thousands under 10k (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39662387) |
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Date: February 27th, 2020 7:42 AM Author: slap-happy chrome puppy chapel How is this not prohibited by Florida’s balance billing law? He may have gotten a bill, but did he actually have to pay it? This likely was his deductible and copay on his shitty emergency only healthcare plan. (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660296) |
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Date: February 27th, 2020 7:47 AM Author: vibrant base How many people are like him who suspect they have the corona but don't take a test to avoid paying exorbitant costs? (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660304) |
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Date: February 27th, 2020 7:57 AM Author: Erotic striped hyena probably zero (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660313) |
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Date: February 27th, 2020 8:09 AM Author: vibrant base Probably some people are just waiting to see if their symptoms get worse better going to the hopsital...and infecting others in the meantime. (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660323) |
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Date: February 27th, 2020 8:13 AM Author: Erotic striped hyena actually, probably no one is doing that. Some ppl (chinks) may just be ignoring it because they don't want to be quarantined and don't give a fuck if they spread it, but no one is not getting tested because they're worried about the hospital bill. (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660327) |
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Date: February 27th, 2020 8:17 AM Author: vibrant base If you are making $55k and have low savings why wouldn't you avoid a test that costs $3k until the symptoms become serious? (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660331) |
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Date: February 27th, 2020 10:28 AM Author: Erotic striped hyena no, I wouldn't risk my life to save $1400. Plus the cholo guy had no idea it would actually cost that much or that his discount insurance wouldn't pay for all of it.
That guy probably spends $1K on a new iphone every year. |
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Date: February 27th, 2020 11:20 AM Author: vibrant base If I were in his shoes I would not even spend $100 unless it got bad (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39661258) |
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Date: February 27th, 2020 1:16 PM Author: Disturbing orchid boiling water "I wouldn't risk my life to save $1400."
Yes, you would. You *have* to. It's impossible to do otherwise on $55,000. There's always a safer car, an additional test, a better neighborhood . . . |
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Date: February 27th, 2020 1:20 PM Author: Erotic striped hyena lol at how out of touch you queers are. $55K is a baller salary in Florida. (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39661938) |
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Date: February 27th, 2020 2:25 PM Author: razzle buff kitty >I wouldn't risk my life to save $1400
you probably risk your life for free relatively frequently without even questioning it |
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Date: February 27th, 2020 7:50 AM Author: Glittery garrison digit ratio How did he get a corona virus test but a person on a ventilator in Solano county could not? (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660308) |
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Date: February 27th, 2020 7:58 AM Author: Erotic striped hyena also what kind of company is sending employees to China but doesn't offer a health plan? the whole thing sounds made up.
yea, and the hospital totally told the Miami Herald that "more bills are on the way". |
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Date: February 27th, 2020 8:05 AM Author: maize rough-skinned pit Lol you're getting so worked up over this so early in the morning. Get a grip. (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660319) |
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Date: February 27th, 2020 8:14 AM Author: Erotic striped hyena lol at 8am being early (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660329) |
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Date: February 27th, 2020 8:31 AM Author: slap-happy chrome puppy chapel TCR. And they’re sending a $55K per year employee to China? My secretary makes more than that and we wouldn’t pay to send her to Albany much less China. (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660349) |
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Date: February 27th, 2020 8:34 AM Author: black sound barrier shrine (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660350) |
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Date: February 27th, 2020 10:46 AM Author: Cerebral scourge upon the earth center (Wagecuck talking about MY secretary) (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39661015) |
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Date: February 27th, 2020 8:19 AM Author: Misanthropic hominid Guy gets cutting edge test developed literally weeks ago to confirm he's safe and complains about the bill, Americans are faggots, news at 11. (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660335) |
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Date: February 27th, 2020 8:29 AM Author: snowy house legal warrant (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660347) |
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Date: February 27th, 2020 9:19 AM Author: Talented azure heaven (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660480) |
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Date: February 27th, 2020 12:19 PM Author: Hyperventilating bawdyhouse (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39661548) |
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Date: February 27th, 2020 2:56 PM Author: Bateful station preventive strike You're right, and that's why America needs M4A. You want to be in a country for tough guys, go move to Israel or China (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39662637) |
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Date: February 27th, 2020 8:34 AM Author: Duck-like stain a “medical device company” that doesn’t provide a health plan
Ljl America |
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Date: February 27th, 2020 10:29 AM Author: splenetic adventurous cuckold (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660895) |
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Date: February 27th, 2020 10:33 AM Author: mint tanning salon How much is the filthy boomer ceo raking in (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660920) |
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Date: February 27th, 2020 10:33 AM Author: Erotic striped hyena it's almost as if this story makes no sense/is made up (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660921) |
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Date: February 27th, 2020 1:13 PM Author: Disturbing orchid boiling water A possibility. (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39661882) |
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Date: February 27th, 2020 11:09 AM Author: Cocky office (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39661180) |
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Date: February 27th, 2020 12:27 PM Author: Painfully Honest Aromatic Stage (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39661587) |
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Date: February 27th, 2020 10:34 AM Author: Crimson Medicated Library New Version This sounds like flame. Why would it matter if he had a pre-existing condition when insurers have been required BY LAW to cover those since 2011? (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660927) |
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Date: February 27th, 2020 10:35 AM Author: free-loading resort It wouldnt. Medical pricing is insane and completely removed from reality. (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660934) |
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Date: February 27th, 2020 11:10 AM Author: Bateful station preventive strike https://www.forbes.com/sites/joshuacohen/2018/10/08/possible-removal-of-pre-existing-conditions-protections/#6809b8bd50e8
https://thehill.com/policy/healthcare/478892-trump-scrambles-to-defend-pre-existing-conditions-record-amid-obamacare |
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Date: February 27th, 2020 11:50 AM Author: Erotic striped hyena lol just accept that the story you linked in the OP is bullshit flame and move on (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39661394) |
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Date: February 27th, 2020 2:58 PM Author: Bateful station preventive strike Just accept you're a dumbass who can't make good posts (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39662657) |
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Date: February 27th, 2020 4:01 PM Author: Erotic striped hyena great thread (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39663068) |
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Date: February 27th, 2020 4:31 PM Author: Bateful station preventive strike Thanks, much better than any you've ever posted (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39663307) |
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Date: February 27th, 2020 12:37 PM Author: Crimson Medicated Library New Version Thanks for confirming that pre-existing conditions are still covered. Dood described in the OP needs to call a lawyer if his insurance company is acting this way. (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39661636) |
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Date: February 27th, 2020 3:00 PM Author: Bateful station preventive strike I posted this story to help him out. You want a job? (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39662674) |
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Date: February 27th, 2020 10:41 AM Author: Pontificating histrionic idea he suggested lol at some dumb goy thinking he has to pay this (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39660979) |
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Date: February 27th, 2020 10:47 AM Author: zippy useless rehab cr should've been an illegal and just showed up @ the ER sounds like flame |
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Date: February 27th, 2020 10:58 AM Author: Pontificating histrionic idea he suggested All he had to do was say he's from Canada or give a fake address or just tell the hospital he's an illegal alien and can't pay (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39661091) |
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Date: February 27th, 2020 1:15 PM Author: greedy abusive tank Why doesn't he just tell them to shove their bill up their ass? (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39661906) |
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Date: February 27th, 2020 2:08 PM Author: Pontificating histrionic idea he suggested because he's a power goy (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39662270) |
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Date: February 27th, 2020 2:03 PM Author: twinkling public bath What an amazing country, thanks Trump for these wonderful junk health plans! (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39662247) |
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Date: February 27th, 2020 4:03 PM Author: Erotic striped hyena yep, clearly that is the problem here. (http://www.autoadmit.com/thread.php?thread_id=4454580&forum_id=2#39663083) |