Ask Lemmy

The average cost of a hospital stay in a U.S. hospital is about $3,000 per day, but it varies significantly by location. So long stays like yours might cost between $250,000 and $500,000.

If your insurance covers it (and about 92% of Americans have health insurance), you'd be looking at your annual out of pocket max, which the law caps at $18,000 for family plans or $9,000 for individual plans, but which most people on employer sponsored plans (around 60% of Americans) have out of pocket maxes around $4,000 to $5,000. Source

So for most Americans, your hospital stay would've probably cost the individual patient about $5,000. Insurance would've paid another $350,000.

But for some Americans, they'd be looking at a $360,000 bill and then would just file bankruptcy, start over with close to a net worth of zero, at least for non-exempt assets (people generally get to keep their homes, cars, and retirement accounts in bankruptcy so it won't actually be starting from zero if you're well into a middle age in the middle class).

Or worse, the hospital would realize they're not getting paid, and then would find a reason to kick you out as soon as you're stabilized. They have to keep you alive even when you can't pay, but don't have to treat you beyond that for free.

That depends.

Are you wealthy? If yes, you're fine. If no, you're fucked.

Are you a veteran? Same answers.

Are you poor? You probably died in the waiting room.

Haven’t seen anyone mention maximums. Sometimes insurance plans will straight up stop covering you after a certain price. Like, for the rest of your life. Imagine running up a cancer treatment bill in your teenage years and being cut off until you either die or somehow live long enough to get a job with different insurance.

That is bankruptcy, pure and simple. There's no way you'd financially recover from a four month stint in the hospital.

People have literally unalived themselves here over hospital bills like that.

Thank God you weren't in a shit hole country, like the US.

Honestly, it would depend on what kind of insurance you have in the US. Each employer has a different set of plans.

No insurance? Absolutely screwed. With insurance?

End of 2018 I had a heart attack and open heart surgery with really good insurance.

Emergency Room - $150
8 days in the hospital + open heart surgery from the head of the cardiac department - $100
Drugs and all the oxygen I could carry - $100

Roll forward to January 2019... my company has been bought by a giant company. Health insurance changes. I lose my existing hospital and all my doctors and have to start over in a new system.

7 days in the hospital draining fluid from congestive heart failure - $6,500 - the annual out of pocket maximum for that insurance.

Good news though, hitting the out of pocket maximum on Jan 15 meant all my other medical care the rest of the year was covered at 100%.

If you spent 4 months in a U.S. hospital and didn't die, you would spend the rest of your life wishing you did.

How marketable would you say your illness was?

Your options would be: begging strangers on the internet for money and going viral, being rich enough to pay out the ass for really good insurance when you were healthy, declaring bankruptcy, and playing Luigi's Mansion.

Unless you got a couple of million bucks in your bank account…. Super fucked

All the screwed. And now as of this month medical debt will be part of your credit reports, so good luck on getting a home loan or job

More likely you just would not have been kept in hospital four months here. Somehow we have the combination of highest cost and also cost-cutting schemes.

To answer your question - $18,000 I guess, if I got lucky and the insurance worked correctly. That's the alleged max out of pocket for the insurance I pay for at work.

Hmmm. Probably like $500,000. It would be cheaper, but good affordable rates are only available to insurance companies. But with a GoFundMe plan you might save up to a $50,000. Best bet is to get on the evening news with you in total shambles. The good news is you can haggle hospitals here, no joke. Not acceptable anywhere else in the US unless you're buying something hot.

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

You'd be fine, aside from the attorney's fees for declaring bankruptcy.

...Oh, and probably losing your housing.

I don't know the answer to your question, but I will say that I'm glad you're still here with us, friend

I'm British just reading this thread and shaking my head. Can't fathom these stories.

Depends.

My dad went in the hospital for like probably 3 months, and afiak, their small bussiness is still running. They have insurance.

For everyone else who don't have insurance and don't have any assets, just refuse to pay the bills, like what are they gonna do? Confiscate your organs? (Inb4 they pass the "USA Repossess Organs Act")

According to https://nchstats.com/average-cost-of-hospital-stays-in-us/#google_vignette the average is $3.025 per night. 4 months = 120 days = $363,000 = €313.307,21

In Canada. A very good friend of mine who is around 70 but acts more like in his 30’s which kept him feeling good. Hey we only have one life let’s enjoy it.

Unfortunately it caught up with him a month or so ago.

He was in a vicious motorcycle (his) accident that took an eye, a leg, needed facial reconstruction and wrecked chest. He cannot speak as his jaw is wired shut. I am disabled and cannot get up north to see him. His daughter calls me once in a bit to fill me in.

I cannot begin to comprehend how much his operations, rehab, prosthetics and hospital fees would be in the states. I assume he won’t be getting out for a few months (I am not very knowledgeable on medical stuff) then a ton of therapy. I was told he also has insurance on top of his Ontario health card so hopefully he is in very good hands.