ugh seriously!?! High hospital bill vent

brockerln · March 2013

I just got my Explanation of Benefits from my health insurance, and it looks like as a result of my one trip to the ER, I'm going to owe Johns Hopkins $500!!! So annoying! Next time i'm just going to risk bleeding out. whatever. too expensive for me.

LaciJaxx · March 2013

Oh no! Baby is worth 500. It's expensive but it could be bad if you don't go.

ElenaMaria227 · March 2013

If you're worried about 500 just wait til the baby is actually here and how much you will spend before the baby is even in kindergarten :].

BelhurstBride · March 2013

Our ER copay is the same, but that's something we considered when we selected our plan.

amarissa85 · March 2013

Idk what to say. I had to take my son to the ER twice before he was 1. If that bothers you then, just wow.

brockerln · March 2013

The high price does.bother me because we're currently surviving off one income until after the lo comes since i am finishing up law school and taking the bar in july. So yeah, the 500 out of pocket cost is not a welcomed suprise.

Ruger04 · March 2013

I paid about 10,000 out of pocket just to get pregnant! GET OVER YOURSELF!

Really maybe you should have thought twice about having a baby!

BelhurstBride · March 2013

brockerln:
The high price does.bother me because we're currently surviving off one income until after the lo comes since i am finishing up law school and taking the bar in july. So yeah, the 500 out of pocket cost is not a welcomed suprise.

Were you not aware of your insurance coverage? There are some things we've had a difficult time getting a straight answer one, but co pays for ER visits and hospitalizations were pretty clearly spelled out without much detective work on our part.

BelhurstBride · March 2013

Ruger04:
I paid about 10,000 out of pocket just to get pregnant! GET OVER YOURSELF!

Really maybe you should have thought twice about having a baby!

That's a little... deep end-ish?

The OP is really at fault for not know what her insurance covered... but worthy of a "get over yourself and you shouldn't have kids?" Bit much.

An unexpected $500 bill would be steep and surprising in this house, as well. Granted... the cost of an ER visit shouldn't really be a surprise to a grown adult..

PrettyAccountant · March 2013

Ruger04:
I paid about 10,000 out of pocket just to get pregnant! GET OVER YOURSELF!nbsp;Really maybe you should have thought twice about having a baby!nbsp;

With Meds, PGD testing, IVF cycle, ICSI, FET transfer I spent almost 35,000. I wouldn't blink at a 500 bill.

Ruger04 · March 2013

BelhurstBride:
Ruger04:
I paid about 10,000 out of pocket just to get pregnant! GET OVER YOURSELF!

Really maybe you should have thought twice about having a baby!
That's a little... deep end-ish?
The OP is really at fault for not know what her insurance covered... but worthy of a "get over yourself and you shouldn't have kids?" Bit much.
An unexpected $500 bill would be steep and surprising in this house, as well. Granted... the cost of an ER visit shouldn't really be a surprise to a grown adult..

Glad you can put words in my mouth.... Never said she shouldn't.

If she is in school and only has one income then maybe she should have waited until her finances were a little better! Not my problem! Hard to feel sorry for someone who CHOSE to get pregnant! So yes she need to get over her self! $500 is nothing for a hospital bill! If she can't afford that then how is she going to afford a baby!

Laurakat81 · March 2013

Hospital bills suck, ER bills in particular. I spent $20k getting pregnant myself and have a 5k deductible that I'll meet before baby gets here and every doctor hounding me for their share at each and every appointment! But I still don't like ER bills and their jacked up prices. FWIW, you can pay them $5 a month if that's all you can afford and they can't do a thing about it so long as you're making regular payments. The ER can't turn you away for past unpaid services.

Either way, I get the stress that bills bring. $500 might be nothing to some but certainly not everyone. And I don't think that constitutes a reason to think twice about having a baby.

ElenaMaria227 · March 2013

I was a bit shocked at this whole post... Unexpected high costs are kind of a given through pregnancy, birth, and raising a child...

anvloveskme · March 2013

I personally don't think $500 sound that high for an ER visit. With DD we paid around $4000 OOP after insurance. I suggest you read your police or call member benefits to know what things will cost you. I've had friends only lay hundreds OOP but others have paid thousands.

rayandbrit · March 2013

I was mostly just bothered by the last part of the post, about bleeding out. Not appropriate IMO.

$500 seems doable? We found out that our insurance will not be covering any of our pregnancy/delivery, but I would not risk my, or baby's health to make a point about the cost? Not sure if you were being serious or dramatic, but if it's that intense it may be time to start delivering pizzas.

rissa06 · March 2013

I know sometimes those visits are surprising, however, I know one thing I know what costs are trips to the er and hospital stays and deductible. If you think that is bad, try for dd she had to have a blood transfusion by the time she was one and numerous back and froths to the hospital with that. DS had to have tube surgery and that doesn't include a few numerous visit prior for wheezing and other trips.

Luckymomma4 · March 2013

ElenaMaria227:
If you're worried about 500 just wait til the baby is actually here and how much you will spend before the baby is even in kindergarten :].

This. Seriously!

brockerln · March 2013

Haha wow you ladies are rough tonight. Ok to defend myself now, because I feel I should.

1) I understand the cost of raising a child is high and I also understand the costs of ER visits are high. However, DH and I switched from Aetna PPO to Aetna POS II and apparently there are differences in the ER costs. I did some research regarding the insurance costs but when it comes to ER expenses, I understood they paid for most things (I believe the original bill is like $3k). However, the bottom line is that the insurance we have is the only option we have so it doesn't matter how much I research since I have no meaningful choice to make

2) I'm sorry for you ladies who have to pay for your pregnancies. I sort of understand that in the sense that if this pregnancy doesn't work out, we'll likely go to adoption which is a $15-$30k endeavor. However, I did not pay for my pregnancy and would not have been in the position, so the fact that you did and the fact that you have more money at your disposal is immaterial.

3) I never said I couldn't afford the $500 ER cost. I just expressed an annoyance/frustration about the whole thing. While we live on a fixed income, we do have resources available to pay for such expenses, but it doesn't alleviate my frustration and anger of having to pay this additional cost.

4) Our pregnancy comes at PERFECT timing since I will be spending most of hte third trimester in my home office studying for the bar exam. In contrast, I could have been trying to shlep into work as a first year associate during the hot Baltimore summers. I also have the luxury of staying at home until at least January if I need to.

5) To the posters that discussed that I shouldn't have gotten pregnant when I did, it was honestly a miracle that it happened the way it did since I had difficulties conceiving the first few times. It is also a blessing and a miracle that this LO is staying with us for so long, and some of you have no idea of the pain and torment I went through with my previous losses.

So that is all. You all can continue sending me hateful comments about how I should apparently embrace this ER bill with bated breath since apparently I shpould have anticipated going to the ER at this point in my pregnancy, despite not having any health factors or the fact that no other FTMs that I know of in my life had similar experiences, requiring ER visits.

Soleil3 · March 2013

What the hell happened in this thread?

A $500 unplanned for bill would suck hard right now. Please pity my children.

amarissa85 · March 2013

rayandbrit:
I was mostly just bothered by the last part of the post, about bleeding out. Not appropriate IMO.
$500 seems doable? We found out that our insurance will not be covering any of our pregnancy/delivery, but I would not risk my, or baby's health to make a point about the cost? Not sure if you were being serious or dramatic, but if it's that intense it may be time to start delivering pizzas.

This was what bothered me about it.

brockerln · March 2013

amarissa85:
rayandbrit:
I was mostly just bothered by the last part of the post, about bleeding out. Not appropriate IMO.
$500 seems doable? We found out that our insurance will not be covering any of our pregnancy/delivery, but I would not risk my, or baby's health to make a point about the cost? Not sure if you were being serious or dramatic, but if it's that intense it may be time to start delivering pizzas.
This was what bothered me about it.

I'm not going to allow myself to bleed out and allow myself and my baby to die. I was being over-dramatic. I apologize for not elaborating on that point more.

plunderb · March 2013

brockerln:
1) I understand the cost of raising a child is high and I also understand the costs of ER visits are high. However, DH and I switched from Aetna PPO to Aetna POS II and apparently there are differences in the ER costs. I did some research regarding the insurance costs but when it comes to ER expenses, I understood they paid for most things (I believe the original bill is like $3k). However, the bottom line is that the insurance we have is the only option we have so it doesn't matter how much I research since I have no meaningful choice to make.

I feel you. They don't call it Aetna POS for nothing. I guess SOL was already taken.

rayandbrit · March 2013

I get it. I was def not thrilled when I heard about the bill we are getting ready to swallow, but that didn't make me less thrilled about the baby. Sounds like you are in the same boat, maybe in the future just leave out the morbid jokes regarding your LO, that should help prevent some backlash.

WashingtonQueen · March 2013

brockerln:
I just got my Explanation of Benefits from my health insurance, and it looks like as a result of my one trip to the ER, I'm going to owe Johns Hopkins $500!!! So annoying! Next time i'm just going to risk bleeding out. whatever. too expensive for me.

The bolded is what really pissed me off about this post....

Ktbug613 · March 2013

Why does everyone have their panties in a wad today?!

Op affordable or not an unexpected bill like that would suck!

As a side note this thread made me super thankful to have tricare! Sheesh at some of those costs! As much of a pita my insurance can be the coverage is great

Soleil3 · March 2013

Sidenote! to Ruger!!Lay!! Off!! the!! exclamations!!11!!eleventy111!!!!

Ruger04 · March 2013

brockerln:

2) I'm sorry for you ladies who have to pay for your pregnancies. I sort of understand that in the sense that if this pregnancy doesn't work out, we'll likely go to adoption which is a $15-$30k endeavor. However, I did not pay for my pregnancy and would not have been in the position, so the fact that you did and the fact that you have more money at your disposal is immaterial.

I think your full of BS don't be sorry for me! I'm fine I don't need yours or anyone else's pitty! As far as money goes I didn't have an option but to come up with it so I could have a child! There are numerous things my DH and I have gone with out or given up to have this baby! So that is why your little $500 dollar bill does not mean *** to me! I think its BS to post about a $500 dollar bill but yet talk about how your in law school you have the money don't BS anyone! Pay your bill and shut your face!

Ktbug613 · March 2013

WashingtonQueen:
brockerln:
I just got my Explanation of Benefits from my health insurance, and it looks like as a result of my one trip to the ER, I'm going to owe Johns Hopkins $500!!! So annoying! Next time i'm just going to risk bleeding out. whatever. too expensive for me.
The bolded is what really pissed me off about this post....

why does the bolded even matter? I admit I don't remember her exact reason for the ER trip but the ER doesn't do anything for bleeding anyways, even if she were miscarrying. ER trips are mostly pointless, unless you are literally loosing enough blood to be passing out or something....

brockerln · March 2013

So after some thought, I decide to leave this bulletin board after 3 months posting with you ladies. While part of my comment was a little morbid, and I apologize for that, I do not believe the mere fact that I am complaining of the ER costs warrants comments suggesting that I should not even had gotten pregnant in the first place. That's not supportive and nor productive. I am not a young naive kid or without life experience. I completely resent the comments that I shouldn't have gotten pregnant and the inferences that I was negligent or in general irresponsible for wanting a baby when I did. I have never made any comments to anyone else on this board to that effect, so those comments were completely unjustified. As a FTM and after suffering several losses, I used this board as a place of support and information. The overwhelming amount of negative comments prove that this board can no longer serve this purpose for me.

I enjoyed the board otherwise and I enjoyed getting to know some of you ladies. Hope you all have a healthy and happy remaining 6 months.

Soleil3 · March 2013

Ruger04:
brockerln:

2) I'm sorry for you ladies who have to pay for your pregnancies. I sort of understand that in the sense that if this pregnancy doesn't work out, we'll likely go to adoption which is a $15-$30k endeavor. However, I did not pay for my pregnancy and would not have been in the position, so the fact that you did and the fact that you have more money at your disposal is immaterial.

I think your full of BS don't be sorry for me! I'm fine I don't need yours or anyone else's pitty! As far as money goes I didn't have an option but to come up with it so I could have a child! There are numerous things my DH and I have gone with out or given up to have this baby! So that is why your little $500 dollar bill does not mean *** to me! I think its BS to post about a $500 dollar bill but yet talk about how your in law school you have the money don't BS anyone! Pay your bill and shut your face!

I don't remember you being this insane. Are you ok?

Ruger04 · March 2013

Soleil3:
Ruger04:
brockerln:

2) I'm sorry for you ladies who have to pay for your pregnancies. I sort of understand that in the sense that if this pregnancy doesn't work out, we'll likely go to adoption which is a $15-$30k endeavor. However, I did not pay for my pregnancy and would not have been in the position, so the fact that you did and the fact that you have more money at your disposal is immaterial.

I think your full of BS don't be sorry for me! I'm fine I don't need yours or anyone else's pitty! As far as money goes I didn't have an option but to come up with it so I could have a child! There are numerous things my DH and I have gone with out or given up to have this baby! So that is why your little $500 dollar bill does not mean *** to me! I think its BS to post about a $500 dollar bill but yet talk about how your in law school you have the money don't BS anyone! Pay your bill and shut your face!
I don't remember you being this insane. Are you ok?

LOL yes I am fine just annoyed tonight not going to lie. I shouldn't have let this post get to me at all. Just hit me the wrong way.

I like the "this in insane" so I'm a little crazy just not insane? LOL Thanks I need a laugh

Soleil3 · March 2013

Ruger04:
Soleil3:
Ruger04:
brockerln:

2) I'm sorry for you ladies who have to pay for your pregnancies. I sort of understand that in the sense that if this pregnancy doesn't work out, we'll likely go to adoption which is a $15-$30k endeavor. However, I did not pay for my pregnancy and would not have been in the position, so the fact that you did and the fact that you have more money at your disposal is immaterial.

I think your full of BS don't be sorry for me! I'm fine I don't need yours or anyone else's pitty! As far as money goes I didn't have an option but to come up with it so I could have a child! There are numerous things my DH and I have gone with out or given up to have this baby! So that is why your little $500 dollar bill does not mean *** to me! I think its BS to post about a $500 dollar bill but yet talk about how your in law school you have the money don't BS anyone! Pay your bill and shut your face!
I don't remember you being this insane. Are you ok?

LOL yes I am fine just annoyed tonight not going to lie. I shouldn't have let this post get to me at all. Just hit me the wrong way.

I like the "this in insane" so I'm a little crazy just not insane? LOL Thanks I need a laugh

(((hugs))) we all have those days hun.

coraggiosa · March 2013

OP, if you are still around, the $500 bill is a huge bummer. While I haven't had to go to the ER for this pregnancy, I know what you mean about being slammed with bills from the ER, and it's an absolute PITA. It definitely makes me miss the socialized, yet awesome, healthcare I received in Italy.

That being said, I think we could have done without the morbid bleeding comment, even though it was said in jest.

BlueJewelM · March 2013

Soleil3:
What the hell happened in this thread?A 500 unplanned for bill would suck hard right now. Please pity my children.

This.

Unexpected bills are never fun. Whether they are for babies, children, car repairs, home repairs or whatever life throws at me.

Just because I can afford to pay it doesn't mean I don't b!tch and moan about it when I get them in the mail.

Sorry OP.

MommyAmes2 · March 2013

Wow this post got outta hand!

Unexpected bills suck! I have money, doesn't mean I like bills popping up that I didn't plan for!

kcooper1986 · March 2013

Soleil3:
Ruger04:
brockerln:
 
2)  I'm sorry for you ladies who have to pay for your pregnancies. I sort of understand that in the sense that if this pregnancy doesn't work out, we'll likely go to adoption which is a $15-$30k endeavor.  However, I did not pay for my pregnancy and would not have been in the position, so the fact that you did and the fact that you have more money at your disposal is immaterial.
 
I think your full of BS don't be sorry for me! I'm fine I don't need yours or anyone else's pitty! As far as money goes I didn't have an option but to come up with it so I could have a child! There are numerous things my DH and I have gone with out or given up to have this baby! So  that is why your little $500 dollar bill does not mean *** to me! I think its BS to post about a $500 dollar bill but yet talk about how your in law school you have the money don't BS anyone! Pay your bill and shut your face! 
I don't remember you being this insane. Are you ok?

This. I don't recall this insanity on most of her posts, either. I'm just going to give benefit of the doubt and assume hormones are wild today?

rayandbrit · March 2013

For me, the issue was about the last sentence. She cleared it up, it was over. I think everyone can relate to unexpected bills, which is what I tried to express.

I'm surprised she left b/c I thought most everyone was on her side & once she explained herself it was pretty much over?

Jomojack2 · March 2013

Lets just say I have reached 2000 of my 2500 dollar deductible and I am actually relieved to see at least some smaller bills will be coming once i reach it. Hospital bills really do piss me off. It is crazy the amount of money we pay.

monaclemere · March 2013

Ruger04:
I paid about 10,000 out of pocket just to get pregnant! GET OVER YOURSELF!

Really maybe you should have thought twice about having a baby!

This response is out of control. It was YOUR choice to spend thousands of dollars to get pregnant. It's no one else's problem or concern. Don't take your frustration with your situation out on others. You sound crazy.

OP - if you're still around, getting an unexpected bill like that really does suck - even when it was for a good reason. Having to fork over $500 for a bill is never fun, especially when you're in law school, which is not cheap!

I totally read your initial post with the intended sarcasm and wasn't offended by any of it.

Edit for spelling

Katie6202 · March 2013

OP, sorry to hear about your unexpected bill. We have money but I woul still be annoyed at a bill I wasn't expecting. Not sur what happend here with the drama, but I wish you happy and healthy 6 more months!!

Katie6202 · March 2013

I am also confused because I thought some people who responded to you are no longer expecting this August? Not trying to be rude or offend anyone, just genuinely confused.

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