Thanks for the input everyone.
I'm also considering getting the insurance for a few years, that way if she's going to have a chronic condition it'll hopefully show up by then.
Quote:
Originally Posted by McheleM  They have a LOT of exclusions.
We paid $7500.00 for Noah's 10 day ICU parvo stay. None of the insurances would have paid any of it. They would have covered the 35.00 office visit but nothing else.
I personally think insurance is a huge scam. We had an ICU visit for me at our local hospital and we didn't have insurance. With insurance a 3 day ICU stay would have cost upwards of $10,000.00. We paid $1400.00 cash. This included an ER visit and having my stomach pumped. In order for the hospital to make money from the I Sundance companies, they have to jack their prices up so high. C-Section with insurance at a hospital? $25,000.00. Cash patient? $6000.00. Ridiculous. |
I'm surprised it didn't cover the parvo. Was it considered pre-exisiting? preventable? happened too soon after getting the insurance?
You lucked out with your hospital bills. I know a lot of people without insurance and the hospital tried to make them pay the full amount; the only options are to apply for charity care (very hard to get) or make them an offer and hope they accept.
With insurance you'd most likely only have to pay your max of out pocket, for me that would be $3,000 and you could probably negotiate with the hospital.