You Want Health Insurance if You Go to the Emergency Room
Back two years ago, when my symptoms were at their worst, I ended up on the floor of our apartment in horrible pain and completely out of energy. I had just about hit the bottom of my long lasting ulcerative colitis flare. Thankfully, the floor was covered in carpet, and my wife was awake and she knew what we needed to do. It was time to get to the emergency room because of the colon inflammation. The bleeding was something that was not unusual. When it came down to it, the exhaustion and the anemia is probably what knocked me out.
Emergency Room Costs are High
I knew that the cost of going to the emergency room was usually very high. As far as health care is concerned, the emergency room is often the most expensive thing you can ever do. Who knows what the exact costs would have been without health insurance, but I think its safe to say that our family would probably have been going hungry for a long time if we needed to pay the medical bills ourselves.
Hoping My Health Insurance is Good
One thing that I remember clearly was signing all types of forms in the bed they had me in. They wanted me to sign away for all types of waivers and to claim financial responsibility if insurance did not cover certain costs. When you are sick, you don’t mind signing away your life. You don’t care what the costs will be when you have no other options. All along I knew my health insurance was expensive, and I was just hoping that since I had paid my deductible, this emergency room expense would be covered.
Luckily, I did not have to stay in the hospital that long. I met with several doctors, and physician assistants, and they all thought I just needed to get hydrated and take some iron supplements for the anemia. Within about five hours I was leaving and headed back to the apartment without spending too much time in the hospital.
The Health Insurance Explanation of Benefits Arrived in the Mail
If you have lived with ulcerative colitis for a long time and you have American Health(Blue Cross, Blue Shield, Aetna, or Medicare), you are probably used to receiving stacks of envelopes with bills and benefits statements. That is true for me also. During flare ups when I visit the doctors on a regular basis, my health insurance company sends what are called an EOB (Explanation of Benefits). They are delivered for every medical visit and service I have received. One arrived for the emergency room visit, and I was shocked at what it said. It stated that since I had already met my insurance deductible for the year, there was absolutely no cost to me for all of the expenses at the emergency room. I looked what the emergency room billed my insurance, and it was over $7,000 and over $5,000 the insurance company ended up paying the hospital. This time, my insurance was great, and because my inexpensive health insurance was something I was worried about initially, I seems like my PPO plan was the right decision. Everyone always says you only really like health insurance when you need it, and that is correct for me also.