An unaffordable Lesson

We were visiting LA this October and my daughter was suffering from earache and fever. As foreigners, we fell into a panic because we were out of town. We called her doctor, who suggested us to take her to a walk-in urgent center since she might need antibiotics for the infection.

We didn’t worry much about the fee, given that we pay  every month a big amount of money for the medical insurance. It was later that we realized that we had committed a huge mistake by going to the children’s hospital emergency room. But it was a mistake that we could not avoid. Who would have time to google the difference between an urgent care center and the emergency center?

We were not happy in the waiting room but surprised by the three hours that passed by before being checked up. Claire had ear infection and needed antibiotics. 5 minutes later, we were ready to go.

Then, the story began. At the door, we were asked to pay 150 dollars for the co-pay. I paid although the fee did surprise me. Then, one week later, we got another bill which said that the treatment cost 166 dollars and that besides the insurance, we still should pay 114 dollars by ourselves. I accepted and paid.  Another week later, we got a second bill which listed 695 dollars for the hospital charges. It is said that our insurance covered 184 and we still owe 360 dollars to the hospital. I was shocked.

I never expected to pay in total 861 dollars for an ear infection treatment which lasted 5 minutes. Even with a good insurance coverage, we still should pay 624 dollars by ourselves. That was crazy.

So I asked my friends for advice. All I got was the same anger against the medical service and the suggestion to avoid any contact with hospitals and doctors. They told me that I mad a huge mistake to go to the emergency room, that gave me the only reason to accept the situation.

I don’t know how people can handle such situation if they are not familiar with the system and have no courage to fight back. An individual will never win the battle against a huge and complicated system. It’s all-consuming.

Advertisements

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s