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Emergency Room Cost Overcharges

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If you were an uninsured patient billed an excessive amount for emergency room treatment at a major hospital, you may be the victim of emergency room overcharges. An emergency room bill for uninsured patients is often much greater than the emergency room cost or ER bill that is submitted to an insurance company for the same ER treatment. If you have an emergency room medical bill dispute, and particularly if you paid the bill in full, attorneys who are currently investigating excessive emergency room fees and ER overcharges would like to speak with you.

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Uninsured Emergency Room Cost

scparamedicovertime Most everyone knows that receiving emergency room treatment may be expensive, but sometimes it is unavoidable. People end up in a hospital ER for a number of reasons: they don’t have a regular doctor; their heart is pounding; they have suffered an injury; a dog bite or a severe allergic reaction requires immediate attention.

Whatever the situation, patients who are uninsured and don’t qualify for Medicare, Medical or other state-provided coverage can see emergency costs anywhere from 2-4 times the rate of insured patients for the same exact ER treatment. This practice is not only grossly unfair, but it often impacts those least able to pay such excessive ER charges. As a result of over-billing, uninsured patients end up leaving the emergency room with bills that are completely out of proportion to those people with medical insurance for the same ER treatment rendered.

More than 46 million Americans do not have health insurance. When these people are unable to pay outrageous emergency room overcharges, they can become harassed by collection agencies, have their credit ruined, or even wind up in bankruptcy court.

ER Charges for Uninsured Patients vs. Insured Patients



Hospitals nationwide charge their so-called grossly inflated “retail prices” to their uninsured patients, whereas insured patients typically are charged rates 50-75 percent less. This means that uninsured patients end up being billed for emergency room care at double or triple the rates charged to the insurer of the patients sitting right next to them in the ER, for the exact same treatment.

For instance, an uninsured patient may be billed $15,000 for a single overnight stay, which includes diagnostics—scans, x-rays, etc.—any treatments, and drugs. But an insurance carrier will typically be charged $3,000-$5,000 for the exact same stay and treatment. The same is true with minor injuries, such as a dog bite. In such a case, an uninsured patient might be charged $800 for a few shots and stitches, whereas the insured patient's carrier is charged $250.

While attorneys advise ER patients to check their hospital admission agreement and inquire as to potential charges before signing on the dotted line, unfortunately, in a true emergency, careful review of the emergency room admission agreement may not be feasible. As such, an uninsured emergency room patient may simply wind up at the mercy of high emergency room costs and only realize his excessive emergency room bill later on when it's too late.

Medicare Charge Data

In May 2013 the Centers for Medicare and Medicaid Services released data listing “average” hospital charges for common medical procedures. Data shows hospital charges and the amount that Medicare paid.

Medicare collected cost report data from 3400 acute care hospitals in the US (VA hospitals and childrens’ hospitals are not included) and compiled the 100 most common procedures billed to Medicare. Inpatient services are bundled. For instance, if you have a heart attack Medicare pays a standard amount for all the hospital care associated with that treatment.

In many cases there are wide discrepancies for hospital charges, including emergency room charges. For instance, Jackson Memorial Hospital in Miami lists the average cost of a pacemaker implant at $66,030 while its neighbor, The University of Miami Hospital, charges $127,038.

“Our goal is to make charges more transparent, so that a consumer/patient can see not only what their local hospital charges for a procedure but also other hospitals in their community,” said a Medicare spokesperson.

The Bayonne Medical Center in New Jersey charged on average of $120,040 to treat transient ischemia, a type of small stroke that has no lasting effect, according to the New York Times (May 2013). That was 5.6 times the national average and 23.6 times what Medicare paid. Bayonne is privately held and follows a financial strategy used by a small number of hospitals to increase their profits by “going out of network” — severing ties, and hence contractual agreements that limit reimbursement rates, with large private insurers.

Patients treated in a hospital emergency room outside their provider’s network have to pay out of pocket only what they would have paid if the hospital was in the network, as stipulated under New Jersey law. An out-of-network hospital, however, can bill the patient’s insurer at whatever rate it chooses. Although the insurers can negotiate with the hospital, they typically end up paying more than they would have under a contractual agreement.

Emergency Room Overcharges Lawsuits

Approximately 1 million patients received refunds or hospital bill adjustments under class action settlements reached between the years 2006-2008. Hospitals paid back almost $1 billion to patients who were overcharged, mainly by providers of emergency medical care.

Emergency Room Overcharges Class Action Lawsuits

An emergency room overcharges lawsuit against Swedish Health Services, filed in King County, Washington Superior Court in June 2013, has been certified to proceed as a class action.

The class action, Humphrey vs. Swedish Health Services also known as Swedish Medical Center, alleges that Swedish Health Services “charged unfair, unreasonable and grossly inflated prices for emergency care provided for uninsured patients”. Humphrey was billed gross charges, a significant amount more than the hospital charges a public or private insurance company. The lawsuit claims the hospital charges uninsured patients about three times the average reimbursement amounts from other patients for the exact same emergency care. The plaintiff, Chad Humphrey, was uninsured when he received treatment at the ER of Swedish hospital in Issaquah twice in May 2012. He was charged more than $10,000.

Humphrey’s attorneys, including Barry Kramer, said the lawsuit could cover people who were treated at the emergency rooms during a period of, at the most, six years before the lawsuit filing date of July 31, 2012. Potential class members can decide to join the ER overcharged lawsuit to seek reductions or reimbursements of some of the amounts charged at Swedish emergency rooms.

Emergency Room Overcharging Legal Help

If you or a loved one has suffered similar damages, please click the link below and your complaint will be sent to a Personal Injury lawyer who may evaluate your claim at no cost or obligation.

Last updated on Oct-14-14

EMERGENCY ROOM CHARGES LEGAL ARTICLES AND INTERVIEWS

Attorney: Hospital ER Overcharges “Unfair”
Attorney: Hospital ER Overcharges “Unfair” Los Angeles, CA: Uninsured patients who visit ER rooms are reportedly being hit with hospital emergency room overcharges, meaning they are paying far more for medical care and services than other patients are. Barry Kramer, of the Law Office of Barry Kramer, says uninsured patients do not have someone negotiating a discounted rate for services, and as a result end up being charged much more for hospital services than those services are worth. Kramer says he has seen clients who have had bills of between $5,000 and $10,000 for only a few hours stay in a hospital emergency room, often with little or no benefit. Those clients were unable to pay their bills and sought his help [READ MORE]

Predatory ER Overcharges and Hospital Overbilling Has to Stop
Predatory ER Overcharges and Hospital Overbilling Has to Stop Atlantis, FL: With hospitals, you really have to wonder if the inmates are running the penitentiary. Or at the very least, the business office. With no disrespect to the skilled doctors and nurses who are on the front lines in the emergency rooms of the nation, and against sometimes formidable odds calmly patching up our various hurts in the midst of constant panic (from the patient), whomever is responsible for ER overcharges for services may be a good candidate to get their own head examined [READ MORE]

“I’d Rather Pay an Attorney Than the Hospital for ER Overcharges”
“I’d Rather Pay an Attorney Than the Hospital for ER Overcharges” Seattle, WA: Not only were Steve and his wife charged “ludicrous” emergency room overcharges, Steve says that the hospital flat-out lied about the treatment, or non-treatment, on their invoice. And not all patients are treated equal, as Nancy attests [READ MORE]



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