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Ridiculously huge hospital bills

Gooberlx2

Lifer
Recently, my manager got bit by a rattlesnake we were treating for an infection in its venom sack. It fenagled its way out of its isolation tube (just a clear home aquarium siphon head), turned and managed to bite my manager in the meat of his hand.

The snake hadn't eaten in 1.5 months, so lots of venom built up, and my manager got a full dose. On top of all that, the snake had been living with a desert tortoise, that we know carries salmonela. All in all, my manager ends up in the hospital and septic. It was a wonder that he lived, much less was able to not lose his arm....partly because of some negligence on the side of the paramedic and ER staff (delayed treatments).

Anyway, he's been in the hospital almost a month, back and forth between the progressive care unit and intensive care unit. Has had quite a number of surgeries, and at least (at last count) 8 doses of anti-venin, at $11K a pop.

Go here to get an idea of what they had to do (graphic pics), and then add septisemia into the mix. My co-workers and I are pondering what the total bill is going to be, but we're guessing around $500K + physical therapy.

Luckily this is all worker's comp, so our employer will be footing this bill. But, what if, someone gets bit and they don't have insurance, very or crappy insurance like the****** plans that wait-staff get, and only covers $7K max, per year. Does the hospital just eat the cost? I know I wouldn't be able to ever work off $500K.

cliffs:
- Manager bit by rattlesnake
- All in all, ridiculously huge hospital bill (probably $500K+)...worker's comp though
- What would someone with crappy insurance or no insurance do in this case, if it wasn't worker's comp?
 
Originally posted by: mrchan
Probably not pay it, file for bankruptcy. I'll take 7 years of crap credit in exchange for $500k.

lol, me too. But seriously, this is why you should have health insurance.
 
Originally posted by: mrchan
Probably not pay it, file for bankruptcy. I'll take 7 years of crap credit in exchange for $500k.

My gf is in sub-prime finance. Apparently hospital debt doesn't usually count against you, because businesses know catastrophies happen.....which is why you should always have the hospitals bill you, never charge it.
 
the hospital will "work out" a payment plan (charge what it actually cost or below, instead of profiting). they always do. and hospital insurance will eat the rest. 11k a pop for anti-venom? i would like to see them break down the cost.
 
Originally posted by: PowerMacG5
Originally posted by: mrchan
Probably not pay it, file for bankruptcy. I'll take 7 years of crap credit in exchange for $500k.

lol, me too. But seriously, this is why you should have health insurance.


Right, but not all insurance is good. My employer offers two plans. One for hourlies, and one for managers. The manager plan is good, the hourlies have a maximum pay-out of $7K per year (and I think only $1000 for ER)...they'd be screwed.

Would the hospital really try to stick it to you? Or would they just assume they have to eat it if they know your financial situation?
 
wow thats soem crazy stuff..that guy is lucky to b alive...i had figured that in this day and age a rattlesnake bite that happned in a contolled enviroment like a workplace that deals with snakes would not be this dangerous...

at least he is alive and has his arm
 
Originally posted by: Gooberlx2
Recently, my manager got bit by a rattlesnake we were treating for an infection in its venom sack. It fenagled its way out of its isolation tube (just a clear home aquarium siphon head), turned and managed to bite my manager in the meat of his hand.

The snake hadn't eaten in 1.5 months, so lots of venom built up, and my manager got a full dose. On top of all that, the snake had been living with a desert tortoise, that we know carries salmonela. All in all, my manager ends up in the hospital and septic. It was a wonder that he lived, much less was able to not lose his arm....partly because of some negligence on the side of the paramedic and ER staff (delayed treatments).

Anyway, he's been in the hospital almost a month, back and forth between the progressive care unit and intensive care unit. Has had quite a number of surgeries, and at least (at last count) 8 doses of anti-venin, at $11K a pop.

Go here to get an idea of what they had to do (graphic pics), and then add septisemia into the mix. My co-workers and I are pondering what the total bill is going to be, but we're guessing around $500K + physical therapy.

Luckily this is all worker's comp, so our employer will be footing this bill. But, what if, someone gets bit and they don't have insurance, very or crappy insurance like the****** plans that wait-staff get, and only covers $7K max, per year. Does the hospital just eat the cost? I know I wouldn't be able to ever work off $500K.

cliffs:
- Manager bit by rattlesnake
- All in all, ridiculously huge hospital bill (probably $500K+)...worker's comp though
- What would someone with crappy insurance or no insurance do in this case, if it wasn't worker's comp?

the hosipital CANNOT turn you away. they'll bill you. if you cannot pay, declare chap7 and the hospital eats the bill. they offset the loses by negioting higher payback rates w/insurance companies. insurance companies pass the costs to consumers.

dont get me wrong... this is one of the few times i dont mind paying higher premiums if it saves a good persons life.
 
Originally posted by: bleuless
the hospital will "work out" a payment plan (charge what it actually cost or below, instead of profiting). they always do. and hospital insurance will eat the rest. 11k a pop for anti-venom? i would like to see them break down the cost.

Huh, that sucks. But I guess bankruptcy is worth it in such a case.
 
Originally posted by: BooGiMaN
wow thats soem crazy stuff..that guy is lucky to b alive...i had figured that in this day and age a rattlesnake bite that happned in a contolled enviroment like a workplace that deals with snakes would not be this dangerous...

at least he is alive and has his arm

agreed :thumbsup:
 
Originally posted by: bleuless
the hospital will "work out" a payment plan (charge what it actually cost or below, instead of profiting). they always do. and hospital insurance will eat the rest. 11k a pop for anti-venom? i would like to see them break down the cost.

im going to guess the guy who grabs the snakes by the back of the head bare-handed has a hefty per-sample fee. cant say id blame him.
 
Originally posted by: Gooberlx2
Originally posted by: PowerMacG5
Originally posted by: mrchan
Probably not pay it, file for bankruptcy. I'll take 7 years of crap credit in exchange for $500k.

lol, me too. But seriously, this is why you should have health insurance.


Right, but not all insurance is good. My employer offers two plans. One for hourlies, and one for managers. The manager plan is good, the hourlies have a maximum pay-out of $7K per year (and I think only $1000 for ER)...they'd be screwed.

Would the hospital really try to stick it to you? Or would they just assume they have to eat it if they know your financial situation?

that person is screwed for anything major.

goto einsurance.com and look at emergency plans. it's like $50/month and ONLY covers hospitals and maybe 1 annual checkup/year at your regular doctor. max payout is $1M, i think.
 
Originally posted by: MetalMat
Originally posted by: BooGiMaN
wow thats soem crazy stuff..that guy is lucky to b alive...i had figured that in this day and age a rattlesnake bite that happned in a contolled enviroment like a workplace that deals with snakes would not be this dangerous...

at least he is alive and has his arm

agreed :thumbsup:

When I went to see him, it was heart breaking to know he wouldn't allow his 3-yo son see him in such a miserable condition. (hospital dress, cathiter, pale white and sweaty fever, hoses stuck in him everywhere, etc...)
 
Most the time people file for bankruptcy. I mean, that is one of the only times that bankruptcy is a respectable and responsible thing to do...when its medical bills and you just plain cannot afford them.

We need some sort of national healthcare...or at least very low cost for people who don't have it.
 
Originally posted by: OBW96
Most the time people file for bankruptcy. I mean, that is one of the only times that bankruptcy is a respectable and responsible thing to do...when its medical bills and you just plain cannot afford them.

We need some sort of national healthcare...or at least very low cost for people who don't have it.

I wonder how many people don't have healthcare insurance. Perhaps the high rates could be offset by the increased number of people paying, if it were affordable to everyone.
 
Even my health insurance would not be able to cover that. I think the largest one time treatment is 125,000$ and thats ER.

I had to fight with my HI company to pay 50k$ in hospital bills that they didn't feel like filing the correct paper work in order for them to pay.
 
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