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I just spent four months in hospital in the UK. How screwed (financially) would I be in the US? (feddit.uk)
submitted 1 year ago by to c/asklemmy@lemmy.world
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I spent half that time in Critical Care (much of that on a ventilator, a small amount sedated), and most of the rest in a specialist neuro-rehab unit. I would have died otherwise.

Fortunately it cost me nothing - Thank Bevan for the NHS - but if I were in the US I imagine I would be financially crippled!

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[–] 16 points 1 year ago (2 children)

My hospital stay billed insurance like $300k for a 5 day stay. It was not critical care but it was specialized. Insurance covered all but like a thousand, I also have a $5k out of pocket max that goes into effect in some situations.

So if my hospital stay was 4 months and I didn't get a bulk discount we're looking at like $7mil USD but with insurance I'd instantly hit my out of pocket max and only be out $5k. Because there are lots of ways insurance can fine print you from actually hitting out of pocket though I don't know

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  • [–] 13 points 1 year ago (1 child)

    Unless anything was out-of-network and that bumps you up into a much larger out-of-pocket max.

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  • [–] 10 points 1 year ago

    But you planned for that. You went to the hospital you specifically knew was in network before you entered your coma.

    Problem is they brought in a doctor they knew was out of network. You didn't choose him, they did. Now pay up!

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