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07-06-2020 12:19 AM
There was a comment in another thread about hoping a family of a COVID casualty would not be charged for the care.
Possible?
07-06-2020 12:32 AM - edited 07-06-2020 12:33 AM
Yes, patients are billed, but often families cannot pay the bills which can run into the hundreds of thousands of dollars. Amanda Kloots had a GoFundMe set up for help with her husband Nick's medical expenses. It had reached over $500k. After three months in ICU, that wasn't sufficient. Recently, she posted that she was also refinancing their home to help with medical bills. Though he died today of complication from Covid, she will be billed for his care.
07-06-2020 12:51 AM
@esmerelda wrote:There was a comment in another thread about hoping a family of a COVID casualty would not be charged for the care.
Possible?
@esmerelda We are getting so many mixed messages it will make your head spin! Nick Cordero's wife did say they are being charged, yet Dr. Redfield, CDC Director seemed to differ. This was an old article in Yahoo News. Maybe it's supposed to mean that if you're covered by any type of insurance that they can't deny coverage of COVID, but that doesn't mean they will cover the entire bill. I really don't know. It's time some official from Washington clarified this in a public statement. Below are some quotes from the article. It was published months ago.
"and treatment will be free, CDC director says"
That assertion mirrors what both President Trump and Vice President Mike Pence have said about the coronavirus testing regime,..l. “We want the American people to know that they are covered through private insurance,”Pence said. “They are covered through Medicare and Medicaid. And there will be no surprise billing.”
If people refrain from getting tested, public health authorities will have trouble tracking the spread of the disease, which has so far infected about 1,300 Americans, killing 38.
Trump made a similar point as Pence in his address of the virus. “Earlier this week, I met with the leaders of the health insurance industry, who have agreed to waive all copayments for coronavirus treatments, extend insurance coverage to these treatments and to prevent surprise medical billing,” Trump said, apparently referencing the same meeting in which Pence made his own assurance about coverage.
Despite that, reports out of Seattle indicate that people are in fact being charged for tests: as much as $500 for individuals with insurance and $1,600 for those without it,Huffinton apostle. (HuffPost and Yahoo News are both part of Verizon Media.)
And yet, as Rep. Ayanna Pressley, D-Mass., told Redfield during Thursday’s congressional hearing, the CDC’s website lacked “information about what the test costs, who will cover it and whether uninsured people can be tested. And so this has contributed to the confusion and the panic.”
At the same time, Pressley managed to get Redfield to plainly say that coverage for testing and treatment would be universal."
07-06-2020 01:07 AM - edited 07-06-2020 01:11 AM
It depends on whether or not you have insurance and what type it is. For those with insurance, there is typically an out of pocket maximum which many insurance companies are waiving for COVID expenses. Smaller companies can opt out of that waiver. There was also money designated by the CARES act to provide coverage for out of pocket costs, but it's unclear if that is happening. It really is a hodgepodge depending on your circumstances.
07-06-2020 09:08 AM
@LinmoI was prompted to post this because of your comment in another thread hoping that a family wouldn't be charged. Why would you say that? The patient received care. The outcome wasn't what was hoped for, but it wasn't for lack of trying.
The question is almost hypothetical...but I AM curious.
07-06-2020 12:18 PM
@esmerelda wrote:@LinmoI was prompted to post this because of your comment in another thread hoping that a family wouldn't be charged. Why would you say that? The patient received care. The outcome wasn't what was hoped for, but it wasn't for lack of trying.
The question is almost hypothetical...but I AM curious.
@esmerelda Early in the pandemic the federal government announced that they were taking specific actions so that noone would be charged for COVID testing or for COVID treatment, regardless of whether or not they had insurance. There was a website set up where hospitals could bill the federal government directly for non-insured people and the large insurers issued statements confirming that deductibles and copays would be waived for COVID testing and treatment. Money was also given to hospitals as part of the CARES act to help them recoup costs that they were losing from not doing elective procedures.
From what've I've read, it's working as intended in many cases, but not for everyone. If a person was given a different diagnosis or even a "suspected COVID" diagnosis, they are being billed. For someone like Nick Cordero, who had so many complications, it's difficult to say what the family's financial obligation will be. He may have also received treatments that were not specifically for his COVID diagnosis, but for other conditions that developed during his hospital stay.
07-06-2020 12:51 PM
@Linmo wrote:
@esmerelda wrote:@LinmoI was prompted to post this because of your comment in another thread hoping that a family wouldn't be charged. Why would you say that? The patient received care. The outcome wasn't what was hoped for, but it wasn't for lack of trying.
The question is almost hypothetical...but I AM curious.
@esmerelda Early in the pandemic the federal government announced that they were taking specific actions so that noone would be charged for COVID testing or for COVID treatment, regardless of whether or not they had insurance. There was a website set up where hospitals could bill the federal government directly for non-insured people and the large insurers issued statements confirming that deductibles and copays would be waived for COVID testing and treatment. Money was also given to hospitals as part of the CARES act to help them recoup costs that they were losing from not doing elective procedures.
From what've I've read, it's working as intended in many cases, but not for everyone. If a person was given a different diagnosis or even a "suspected COVID" diagnosis, they are being billed. For someone like Nick Cordero, who had so many complications, it's difficult to say what the family's financial obligation will be. He may have also received treatments that were not specifically for his COVID diagnosis, but for other conditions that developed during his hospital stay.
@Linmo, you are a very kind and patient poster.
07-06-2020 12:55 PM
@esmerelda wrote:There was a comment in another thread about hoping a family of a COVID casualty would not be charged for the care.
Possible?
Does this bother you in some way?
07-06-2020 01:18 PM
There are a couple of big caveats about insurance waivers. The question of out of network services, to the best of my knowledge, has not been clarified across the companies that have issued waivers.
There are some companies that only offered the waivers until a date specific and I have not heard of confirmed extensions.
Small businesses, those that are self-insured or self-funded can choose to go with the waivers or not.
It may be many months or even years before we know what ill effects people may suffer after "recovering" from covid and how they will be addressed by insurance providers, particularly if the patient changes insurance companies.
As with most things today simple, concise or cut and dried answers are elusive or non-existent.
With covid and insurance coverage in the future there are a lot of questions that will need to be addressed.
07-06-2020 01:59 PM
@Taskmaster56 wrote:Yes, patients are billed, but often families cannot pay the bills which can run into the hundreds of thousands of dollars. Amanda Kloots had a GoFundMe set up for help with her husband Nick's medical expenses. It had reached over $500k. After three months in ICU, that wasn't sufficient. Recently, she posted that she was also refinancing their home to help with medical bills. Though he died today of complication from Covid, she will be billed for his care.
Oh my word! How does this happen with any illness? Did they have any insurance, at all? Surely even the worse insurance will pay for a catrascopic illness.
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