How much $$$ is your child's well visits?

[WeLoveLilo05]

If you didn't have insurance how much would your well visits cost you?
I have been looking on the Aetna website, searching for a new ped (whole other issue there) but I also happened to look at the claims, and our well visit in Jan. would gave been $850
DD had I believe 3 vaccines, eye exam (which was $150) and a hearing test. Does this seem outrageous to you? Or am I just cheap. We only had ot pay the co-pay, but still, just insane. To sit and talk to DD's GI Dr. for 15 minutes would have been $400, and we saw him 4xs! And now we are onto yet ANOTHER GI Dr. O and edited to say, just found out that to see the 2nd GI Dr. it would have been $513, and no examination was done. Again, only had to pay the co-pay, but still, seems crazy.

 

[dislaney]

The last time I took my child it was over $600 and I thought that was bad. The topper was our insurance only pays for well child visits until a certain age and my child had just aged out so we had to pay for the whole visit. Can you say ouch!!

 

[Stitchfans]

Yes insane, Will not make any more comments since it is too close to heart. Except to say that we are desperately trying to sell our house due to being in debt with enormous medical bills. This is after the insurance made their payments too.

My opinion of doctors, hospitals and BCBS is very low.

 

[wdwmom0f3]

Normally our well visits are 95.00, but that's just the office charge. If they do anything else, who knows.

Two months ago DD had an xray on her hip. The Xray was 500.00!!!!! This was a regular xray, not a MRI or a catscan, an xray. I have to pay this too.

Oldest DD had a kidney stone attack. An over night stay in the hospital & some kind of shock surgery where they bust them up cost me over 3000.00, out of pocket, after Ins. paid 90%. They didn't even cut on her.

I am so sick of stupid charges that are so inflated that even with good Ins, it still cost so much.

 

[WeLoveLilo05]

DD was hospitalized 2 weeks ago, the only claim was made was for her X-rays she went to ER and then they said she had to stay overnight so they could give her fluids (she was severely dehydrated). They also did 2 urine samples, and blood work, but other than that, that was it. I am just wondering when we are going to get a bill from the hospital, as we did not pay ANYTHING while there and how much the insurance will cover.
Fiance isn't stressing, but I AM!

 

[WeLoveLilo05]

Yes insane, Will not make any more comments since it is too close to heart. Except to say that we are desperately trying to sell our house due to being in debt with enormous medical bills. This is after the insurance made their payments too.

My opinion of doctors, hospitals and BCBS is very low.

You don't even want to know what all I have had to pay recently, and I have insurance. Normally our well visits are 95.00, but that's just the office charge. If they do anything else, who knows.

Two months ago DD had an xray on her hip. The Xray was 500.00!!!!! This was a regular xray, not a MRI or a catscan, an xray. I have to pay this too.

Oldest DD had a kidney stone attack. An over night stay in the hospital & some kind of shock surgery where they bust them up cost me over 3000.00, out of pocket, after Ins. paid 90%. They didn't even cut on her.

I am so sick of stupid charges that are so inflated that even with good Ins, it still cost so much.

SO sorry to hear this, hugs to you both!
Drs can't seem to find what is wrong with DD, she is always constipated, has been this was for 3 years. Was so bad that she was hospitalized (above post) I am just getting fed up.

 

[wdwmom0f3]

Yes insane, Will not make any more comments since it is too close to heart. Except to say that we are desperately trying to sell our house due to being in debt with enormous medical bills. This is after the insurance made their payments too.

My opinion of doctors, hospitals and BCBS is very low.

I can see how this could happen. It breaks my heart. You would think that something could be done about it too. I'll keep you in my prayers.

 

[wdwmom0f3]

DD was hospitalized 2 weeks ago, the only claim was made was for her X-rays she went to ER and then they said she had to stay overnight so they could give her fluids (she was severely dehydrated). They also did 2 urine samples, and blood work, but other than that, that was it. I am just wondering when we are going to get a bill from the hospital, as we did not pay ANYTHING while there and how much the insurance will cover.
Fiance isn't stressing, but I AM!

Once you get the bill in, call them & set up payments. Don't stress about it.

I hope your DD is better soon.

 

[WeLoveLilo05]

Once you get the bill in, call them & set up payments. Don't stress about it.

I hope your DD is better soon.

Thanks, it is getting to the point that she can't live a normal life and it saddens me so much. Its been HOT here in JErsey and we live 2 miles from the beach, for the past week she has been on miralax and exlax so she could get cleaned out (sorry, I know TMI) so she is going CONSTANTLY and she can't go to the beach or to her cousins pool, all she is doing is trying to poop.
Just want her to be playing with her cousins.

 

[golfgal]

Yes insane, Will not make any more comments since it is too close to heart. Except to say that we are desperately trying to sell our house due to being in debt with enormous medical bills. This is after the insurance made their payments too.

My opinion of doctors, hospitals and BCBS is very low.

How about your employer that PICKED your plan for you, did you say anything to them? That is where your real problem is.

 

[bicker]

Yes, good point, but it goes a lot deeper than that, too. The real problem is how much things cost, and that's a reflection of how much it costs to pay people to do things, how much it costs to discover things, how much it costs to ensure that things are safe, how much it costs to address what happens when something has a problem or risk, how much it costs of getting things approved, etc.

 

[Lucky4me]

Probably around $600. We will be uninsured come January when dh runs out of short term disability and leaves his job for good. We have bills still rolling in from last years cancer treatment, never mind the three surgeries he's had this year.
We're holding on tight so far, but don't know what will happen when the insurance runs out. We will hopefully go on Medicare and dd will go on a state program, but we need to find out about both and soon. Not looking forward to it and we're getting all the dental, eye and general medical stuff done now while we can.

If we ever got in way over our heads in medical bills, we would look at all options to save our house, including bankruptcy. Sometimes things are just out of your hands and there are legitimate reasons they allow people to go bankrupt. This is one of them.

 

[Lucky4me]

We have also successfully gone to doctor/hospital billing departments and have gotten what we owe reduced. This is something that is little known, but you usually do not have to pay what they bill. You may have to prove financial need, which can be quite invasive, but they will work with you. They do not advertise this, but give it a try.

 

[SC Minnie]

I happen to have an EOB for DD's in front of me. $228. And that's without any bloodwork being done. We saw the Dr all of 15 min.

DD also had to have a couple of vaccines. We went to the health dept and got them at no charge.

 

[Piecey]

DS's 1 year well visit went to insurance for $416.. it's still processing.
His 6 month went for $459. Insurance paid $315 (we have no copay for well visits so that is all they will get).

Both of those include several shots, though.

 

[MinnieTink]

I feel for those of you drowning in medical bills. That is awful. Thankfully we have decent insurance. The other day I got an EOB from an ER visit that I had. A surgeon came in and spoke with me for 5 minutes before I told him to take a hike. He charged $600 for his 'services'!! That's a joke.

 

[WDWorBUST]

As the person who picks the plan for the employer I can promise you that we do our very best to find the absolutely best coverage that is affordable. We also pay 75% of the premiums for our employees and dependents. An employer's pockets are only so deep too. Oh...and don't forget that most of the time the person picking the plan is covered by it too so they have just as much interest in affordable health care as all the other employees. Thanks to our wonderful "Healthcare Reform" in my opinion you can only expect it to get worse.

Oh and it is ridiculous how much charges are at times. Our healthcare system definitely needs "fixed" and I will be the first one to say that it needs to by by someone smarter than me.

 

[MinnieTink]

Yes this does need fixing. Just got the EOB for the ER part of my ER visit. Thankfully our copay is only 100. The hospital charged just under $4000!!! I can't imagine having to pay that. They charged almost $4000 but the max amount they could charge per the insurance co was $400. They paid 300.

So if you have insurance they get paid 400, no insurance 4000.

 

[bicker]

That probably works both ways, and probably helps distort costs all around: Some people are somehow getting a less than "should be" rate for something, so other people are charaged a greater than "should be" rate for it.

 

[WeLoveLilo05]

Ok, your all going to think I am a ditz, but I am young so I am still learning all this stuff.
So, our co-pay for the specialist was $35, our insurance agreed to pay $205, but the claim submitted by the DR was $513. So, we were only responsible for the $35. What happens to the other $273 that the dr is supposed to be getting?