David Lazarus, a
columnist for the Los Angeles Times was
bitten by his cat. Complications
ensued.
No matter the cause,
I found myself last week in a bed at UCLA Medical Center in Santa Monica with
an intravenous drip of antibiotics hooked up to my arm. The fact that I have
Type 1 diabetes was a complicating factor.
Surgery
was eventually required. And then I had to recover from that.
So now that he has recovered he has decided to tell
everyone what the hospital bill was.
Call it the $55,000
cat bite.
That's
the rough total in medical costs (so far) for a cat bite on my hand that turned
into an infection that turned into surgery that turned into a week in the
hospital. Cruddy cat.
So what was the
matter? Well there is the $4,000.00
a night for the hospital room. And a
bunch of stuff is really inflated.
Another case in point: Sixteen bucks for a Tylenol. Actually, not even a proper Tylenol. That's for
the generic equivalent.
Now the good news, at least for Mr. Lazarus (in
addition to the fact that he survived being bitten by his cat) is that he had
insurance.
My employer-provided
insurer, Blue Cross Blue Shield of Illinois ,
will cover $38,448 of the hospital bill. My total amount due: $1,504.47.
That
leaves $14,212.53 unaccounted for. Feinberg said it simply has disappeared.
Poof!
"It's
funny money," he explained. "It's not even there."
The ‘funny money’ is of course the inflated charges
that the system charges, they are real for the uninsured or the underinsured,
but not real if your insurance company has a deal with the hospital.
So go ahead everyone, talk about how the United States
has the best health care system in the world.
And listen to all those Republicans who say competition with private
insurance, that is the system we have now, will solve all the problems. Then figure out how a cat bite can cost
$55,000 to treat.
Here in Japan, I had a detached retina. They fixed it. Being Japan, they kept me in the hospital ridiculously long: 5 days. Being Japan, I have to pay 30% at point of service. They hit me for US$2500 or so. But Japan has a max on the per month per disease out of pocket, so they refunded half of that.
ReplyDeleteMoving back to the US wouldn't be a particularly smart move. Sigh.