Healthcare - Negotiating Outrageous Emergency Hospital Bill Tips? Shoulder Dislocation
I have Blue Cross PPO 3500 insurance and my HOSPITAL bill was still $2700 for it.
I requested an itemized bill:
* 258 Pharmacy IV Solution *
Sodium Chloride 0.9% 1000ML Bag -- $146.23
* 239 Radiology Diag other *
Shoulder Comp Min 2 views - right -- $522
* 450 Emergency Room *
LEVEL 4 -- $1427
TX SHLDR DISLOC W/MANIP WO/ANS -- $341
* 636 Drug Spec ID Detail Coding **
Hydromorphone 2 MG/ML VIAL -- $67.19
Ondansentron 4 MG/2 ML VIAL -- $97.99
Ketorolac 30 MG/ML SYR; KETOROLAC INJ -- $103.07
And then there's the DOCTOR's bill:
Emergency Service -- $484.28 (but under the insurance negotiated rate is set to $140)
Surgery-Bone/Muscle -- $464.68 (the negotiated rate was $210 to simply push my muscle back in!)
And then there was also a third bill for the x-ray readings:
Radiology-Extremity -- $45 ($10.44 after negotiated rate)
The hospital is charging me $341 extra under the LEVEL 4 fee ($1427), "as standard", because it was for shoulder dislocation -- even though THEY did nothing to it. When it's already costing $464 fee by the doctor who just pushed my muscle back in.
Isn't that double charging? That's clearly extra profit that they just want to take in.
Why is it that the doctor's bill has a negotiated rate, despite the deductibles, but the Hospital's outrageous fees do not?
When the nurse gave me the IV, she asked if I was still in pain and I said yes, so she injected more in me. Those drugs did absolutely nothing to my pain. I had to lay down on my chest and hang my arm to the side, which was an extremely painful position, and the doctor just pushed my shoulder in for less than a second and didn't say a word to me. I was there for less than an hour.
I don't understand what warranted a LEVEL 4 (2nd highest) when I wasn't even given immediate treatment or other major equipments were used.
In retrospect, I would have refused the X-ray and drugs and ask them to put me in a lower emergency care -- just have someone push it back in for me.
I know I still have to pay a big chunk because I haven't met my deductible, but these fees still seem unreasonable. I know hospitals/insurance companies are a business and they have to inflate prices so everybody wins, but I understand these things can be negotiated. How can I get it lower? What would be my best defense?