Question on healthcare provided from hospitals.?

Question

A friend of mine says she works for a Florida Hospital. And she recently was admitted to the hospital and taken via ambulance. She says she only had to pay 109 dollars all together. She says that since she works for the hospital they covered 90%.

I find this a little fishy. Even working in the hospital... I can't imagine the coverage is that amazing.

Anyone have any information that would help?

Answer 1

That's not unusual, especially for a hospital employee.

I work for a large hospital system, and the most that I would have to pay for myself is $150 total per year as long as I stayed in-network.  ($150 deductible, 100% coverage after deductible...again, that's the network benefit.)

Many employers are passing a lot of the cost of health care onto the employees.  However, there are still a lot of employers that offer benefit plans where the employees don't pay much out of pocket.  In fact, the benefit plan at my husband's employer (a large manufacturing company) is 100% with no deductible.

(We're going to be switching to my husband's plan on January 1st and dropping the coverage through my company.  Even though my employer offers pretty amazing coverage, my husband's employer's 100% coverage with no deductible/out of pocket cost is even better.)

I see a lot of the Explanation of Benefits for other patient's services that come through our hospital system, and you'd be surprised at the number of people who don't end up having to pay much out of pocket for hospitalization.  I'd say that at least 40% of our insurance patients don't end up having to pay anything at all out of their own pockets.  (Unfortunately, the ones with no coverage or really horrible coverage get socked with huge bills.)