Advertise on Bikeforums.net



User Tag List

Page 1 of 3 123 LastLast
Results 1 to 25 of 71
  1. #1
    The Left Coast, USA FrenchFit's Avatar
    Join Date
    Feb 2008
    Posts
    2,368
    Mentioned
    1 Post(s)
    Tagged
    0 Thread(s)

    Medical Cost of a Minor Spill

    I posted a few months ago telling the story of my 59 yo noob riding buddy who took a spill at about 8 mph. I'm sure it looked pretty funny from a distance, and I was prepared to have a laugh at his expense..but he was in genuine pain and he got home with the bike in the back of my truck. It turned out he hit his hip pretty hard, in fact a few days later he learned he'd cracked it. The bike didn't suffer a scratch.

    He told me the other day the total medical bill / insurance accounting came in. Total cost of this fall turned out to $96,000, and the core of that was putting screws in his hip. That's at inflated insurance dollars to be sure, but $96,000... I wonder why they didn't just round it up to an even $100K.

    Lots of thoughts come to mind, some which are inappropriate for this board, most centering on the long-term impact of insurance companies in bed with our medical industry.

    Beware.

  2. #2
    Senior Member Bikey Mikey's Avatar
    Join Date
    Oct 2011
    Location
    Newport News, VA USA
    My Bikes
    Diamondback Edgewood LX; Giant Defy 1
    Posts
    3,202
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Hope he gets better quickly.

  3. #3
    Has opinion, will express
    Join Date
    Jun 2003
    Posts
    12,657
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Worth a read and a bit more research. I often wonder how many patients in the US health care system regard themselves as customers (rather than victims) and protest loud and hard about the prices they get charged.

    http://www.news.com.au/breaking-news...-1226466885765
    Dream. Dare. Do.

  4. #4
    Time for a change. stapfam's Avatar
    Join Date
    Jan 2004
    Location
    6 miles inland from the coast of Sussex, in the South East of England
    My Bikes
    Dale MT2000. Bianchi FS920 Kona Explosif. Giant TCR C. Boreas Ignis. Pinarello Fp Uno.
    Posts
    19,915
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Why is it so expensive to buy medical Insurance? Because as the claim is on Insurance-The bill goes up drastically. If the real cost was paid by the Insurance companies and no more- then your insurance premiums would go down.

    And you would not have as many Doctors living in Million Dollar homes with 3 Ferraris in the garage.
    How long was I in the army? Five foot seven.


    Spike Milligan

  5. #5
    2 Fat 2 Furious contango's Avatar
    Join Date
    Nov 2010
    Location
    England
    My Bikes
    2009 Specialized Rockhopper Comp Disc, 2009 Specialized Tricross Sport
    Posts
    3,987
    Mentioned
    1 Post(s)
    Tagged
    0 Thread(s)
    Quote Originally Posted by stapfam View Post
    Why is it so expensive to buy medical Insurance? Because as the claim is on Insurance-The bill goes up drastically. If the real cost was paid by the Insurance companies and no more- then your insurance premiums would go down.

    And you would not have as many Doctors living in Million Dollar homes with 3 Ferraris in the garage.
    It's amazing the country puts up with the medical system as it stands. When my wife visited the ER one bill was cut by 50% if we paid within 14 days, and the prescription dropped from $70-odd to $30-odd as soon as I uttered the words "paying cash".

    Personally I don't care if the doctor lives in a $1m home with a collection of Ferraris, but I'd want a choice that was more than whether to be slowly bled dry by insurance premiums or risk being financially ruined by getting sick.
    "For a list of ways technology has failed to improve quality of life, press three"

  6. #6
    Senior Member
    Join Date
    May 2010
    Location
    Bristol, R. I.
    My Bikes
    Specialized Secteur, old Peugeot
    Posts
    1,479
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    I would bet money that the big players in the health care business are also big contributors to election campaigns. Democracy is for sale in America.

  7. #7
    Council of the Elders billydonn's Avatar
    Join Date
    Jul 2008
    Location
    Omaha, NE
    My Bikes
    1990 Schwinn Crosscut, 5 Lemonds
    Posts
    3,761
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Quote Originally Posted by berner View Post
    I would bet money that the big players in the health care business are also big contributors to election campaigns. Democracy is for sale in America.
    Totally shocking!

    Oh, and best wishes to the accident victim.

    There is a time to resign oneself
    to old age and infirmity. You first.
    My Cycling Blogspot

  8. #8
    Senior Member
    Join Date
    May 2008
    Location
    Calgary, Alberta
    Posts
    679
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    It seems that a lot of people don't pay large medical bills. One that size would be impossible for me. I probably couldn't even afford the interest on it.

    The hospitals don't flag your credit rating, but eventually they sell the unpaid bills to collection agencies, and then they do affect your credit rating. They sell the unpaid bills for pennies on the dollar, so making a low offer might work.

    Interesting article. That's a lot of waste.
    mainlytext.com/bike.html Bicycling in winter, the entertainment version

  9. #9
    Dharma Dog lhbernhardt's Avatar
    Join Date
    Mar 2006
    Location
    Vancouver, Canada
    My Bikes
    Rodriguez Shiftless street fixie with S&S couplers, Kuwahara tandem, Trek carbon, Dolan track
    Posts
    2,049
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    My sympathies go out to the fellow with the injury.

    Well, for what it's worth, here's my Canadian story: in the winter of 2010, I was riding along a bike path in the dark. The headlight was aimed too low to mark the overhanging branch from the tree that had blown over in the wind that night. The tree itself was resting over a cyclone fence, but a branch was just low enough that I hit it just below my helmet at maybe 15 kmh. Good thing I had the Oakleys on, they protected my right eye. After picking myself up, I got back on the bike and rode to Emergency at Burnaby General Hospital. The receptionist took one look at me, got my story and pertinent personal details, took my BC medical card, and had me go straight to one of the emergency beds. A doctor appeared after maybe fifteen minutes, put in some stitches, treated the wound, wrote a prescription for some pain killer, and I was back on the bike headed for work, but with a really ugly black eye!

    Total cost (for which my work medical plan pays about $54/month): zip. $0.00. Nada. Cost me nothing. I could even have called an ambulance, and it might have cost maybe $50, or nothing, I'm not sure.

    I believe the same thing would happen to anyone else living in any other civilized country in the world. Except the USA, of course! And I'm not trying to provoke any political debate, I'm just saying what really happens in Canada. I just love our health care system!

    Luis

  10. #10
    Senior Member bruce19's Avatar
    Join Date
    Jul 2006
    Location
    Lebanon (Liberty Hill), CT
    My Bikes
    MASI Gran Criterium S & Guru steel
    Posts
    2,919
    Mentioned
    1 Post(s)
    Tagged
    0 Thread(s)
    Quote Originally Posted by lhbernhardt View Post

    I believe the same thing would happen to anyone else living in any other civilized country in the world. Except the USA, of course! And I'm not trying to provoke any political debate, I'm just saying what really happens in Canada. I just love our health care system!

    Luis

    The whole health care debate has been so propagandized and politicized in this country that the average citizen has no idea what the facts are.

  11. #11
    Pedals, Paddles and Poles Daspydyr's Avatar
    Join Date
    Oct 2009
    Location
    Btw the Mohave desert and AREA 51
    My Bikes
    Scott Spark 20, Orbea Orca
    Posts
    5,181
    Mentioned
    1 Post(s)
    Tagged
    0 Thread(s)
    I had both hips replaced in 2008. Cost for both was @$60K. Your buddy must have had some complications. Hips can be tricky.

    I hope he can get back to riding.
    I think its disgusting and terrible how people treat Lance Armstrong, especially after winning 7 Tour de France Titles while on drugs!

    I can't even find my bike when I'm on drugs. -Willie N.

  12. #12
    2 Fat 2 Furious contango's Avatar
    Join Date
    Nov 2010
    Location
    England
    My Bikes
    2009 Specialized Rockhopper Comp Disc, 2009 Specialized Tricross Sport
    Posts
    3,987
    Mentioned
    1 Post(s)
    Tagged
    0 Thread(s)
    Quote Originally Posted by bruce19 View Post
    The whole health care debate has been so propagandized and politicized in this country that the average citizen has no idea what the facts are.
    Whatever the facts, and whatever the relative merits of different healthcare systems, it does provide a degree of reassurance to know that if I suffered the same spill as described in the OP the cost to me at the point of being put back together again would be nothing.
    "For a list of ways technology has failed to improve quality of life, press three"

  13. #13
    Senior Member TomD77's Avatar
    Join Date
    Jul 2010
    Location
    Florida Panhandle
    Posts
    572
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Sorta reminds me of a very recent news story of a California woman stung by a scorpion and charged $80,000 for anti-venom treatments that would have cost $100 in Mexico. Something is horribly wrong and it isn't the yearly compensation of the doctors.

  14. #14
    Senior Member
    Join Date
    Feb 2005
    Location
    Nanaimo.B.C. The We't coast of Canada
    Posts
    1,287
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Actually, lhbernhart, you did pay for the hospital treatment you recieved, we(see location) just pay for it in smaller doses paid over the long term by taxes and other hidden payments not in a lump sum like the Americans. By the way the ambulance fee would have been $80 as the gov't raised the fee just before I retired in '07.

  15. #15
    Senior Member apollored's Avatar
    Join Date
    Feb 2012
    Location
    Manchester UK
    My Bikes
    Apollo Revival Mountain Bike
    Posts
    638
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Thank God for our National Health Service.

    Fall off bike, hurt bad, go to A&E they fix you up.

    No charge.

    Even when I havent worked for ages or paid anything in.
    Apollo Revival MTB AKA Sunshine

  16. #16
    coprolite fietsbob's Avatar
    Join Date
    Jun 2010
    Location
    NW,Oregon Coast
    My Bikes
    7
    Posts
    39,762
    Mentioned
    25 Post(s)
    Tagged
    0 Thread(s)
    US has a system known as legalized bribery , More like begging from the Rich
    to run 'the best government Money can Buy'

    we pay for a great health care system , in Israel..


    Even The VA does its best ti buck shift health care co pays
    for the veterans to the Vets themselves who paid into private insurance..

    But we make High Tech Weapons systems, want to buy some ?. we're #1

    It's the only state welfare subsidized socialism both parties can support..

    Politically Engineered, just build part in each congressman's district
    and it doesn't matter what it costs..
    Last edited by fietsbob; 09-06-12 at 04:46 PM.

  17. #17
    Member
    Join Date
    Oct 2009
    Posts
    26
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    You guys will complain about the doctors when Lance Armstrong rides a bike for millions and rappers get paid millions? Lol. Gimme a break.

  18. #18
    Member
    Join Date
    Oct 2009
    Posts
    26
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    And the fact that so many people don't pay their medical bills makes it hard on the ones that do. But our new health care will eliminate the waste.,

  19. #19
    rugged individualist wphamilton's Avatar
    Join Date
    Apr 2011
    Location
    Alpharetta, GA
    My Bikes
    Nashbar Road
    Posts
    5,810
    Mentioned
    17 Post(s)
    Tagged
    0 Thread(s)
    Quote Originally Posted by lhbernhardt View Post
    My sympathies go out to the fellow with the injury.

    Well, for what it's worth, here's my Canadian story: in the winter of 2010, I was riding along a bike path in the dark. The headlight was aimed too low to mark the overhanging branch from the tree that had blown over in the wind that night. The tree itself was resting over a cyclone fence, but a branch was just low enough that I hit it just below my helmet at maybe 15 kmh. Good thing I had the Oakleys on, they protected my right eye. After picking myself up, I got back on the bike and rode to Emergency at Burnaby General Hospital. The receptionist took one look at me, got my story and pertinent personal details, took my BC medical card, and had me go straight to one of the emergency beds. A doctor appeared after maybe fifteen minutes, put in some stitches, treated the wound, wrote a prescription for some pain killer, and I was back on the bike headed for work, but with a really ugly black eye!

    Total cost (for which my work medical plan pays about $54/month): zip. $0.00. Nada. Cost me nothing. I could even have called an ambulance, and it might have cost maybe $50, or nothing, I'm not sure.

    I believe the same thing would happen to anyone else living in any other civilized country in the world. Except the USA, of course! And I'm not trying to provoke any political debate, I'm just saying what really happens in Canada. I just love our health care system!

    Luis
    On my little incident I waited three hours in the ER waiting room, got a shot and sent home. Four days later the surgery. Looking at the bills, if I had paid cash out of pocket it would have been more than double what they charged the insurance company. So if they are inflating the prices in collusion with the insurance companies, they're inflating them even more for people who don't have any.

  20. #20
    Member
    Join Date
    Oct 2009
    Posts
    26
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    But stitches are one thing. Just wait til you need a heart surgeon and see how that works out. I'll say the U.S. has the best doctors. As soon as the guvment gets involved in our health care you will see who wants to be a doctor then

  21. #21
    Member
    Join Date
    Oct 2009
    Posts
    26
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    It is insurance fraud to charge the insurance company more thana cash paying patient. Besides the insurance co sets the price they will pay.

  22. #22
    rugged individualist wphamilton's Avatar
    Join Date
    Apr 2011
    Location
    Alpharetta, GA
    My Bikes
    Nashbar Road
    Posts
    5,810
    Mentioned
    17 Post(s)
    Tagged
    0 Thread(s)
    Quote Originally Posted by bear38 View Post
    It is insurance fraud to charge the insurance company more thana cash paying patient. Besides the insurance co sets the price they will pay.
    If you say so, but it's in black and white right on the invoice, regardless of who sets the price. Cash price vs. insurance "discount". Then of course the insurance company will look at that bill and decide what they'll pay.

  23. #23
    rebmeM roineS JanMM's Avatar
    Join Date
    Jan 2006
    Location
    Indiana
    My Bikes
    RANS V3, RANS V-Rex, RANS Screamer
    Posts
    11,520
    Mentioned
    2 Post(s)
    Tagged
    0 Thread(s)
    We need Affordable Care for all in the USA.
    RANS V3 (steel), RANS V-Rex, RANS Screamer

  24. #24
    coprolite fietsbob's Avatar
    Join Date
    Jun 2010
    Location
    NW,Oregon Coast
    My Bikes
    7
    Posts
    39,762
    Mentioned
    25 Post(s)
    Tagged
    0 Thread(s)
    Even the disgraced members of congress have a health care plan for life,
    after they resign.
    for themselves.

  25. #25
    Senior Member howsteepisit's Avatar
    Join Date
    Oct 2005
    Location
    Eugene, OR
    My Bikes
    Mecian
    Posts
    2,796
    Mentioned
    2 Post(s)
    Tagged
    0 Thread(s)
    And we wonder why insurance is not affordable or available? I think of the various spills I had over the years and am thankful I never did worst than road rash and bruises.
    Recycle, Reclaim, Reuse and Repair
    The 4 Rs to save the planet

    "Toes"

Page 1 of 3 123 LastLast

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •