Frank got elbowed on his eyebrow playing soccer and was treated at Aventura hospital. After giving his insurance information and waiting in ER for about 30 minutes, a nurse took his vitals and about ten minutes later a doctor gave him five stiches and sent him home. Ten days later Frank returned to get the stitches out and then the bills arrived.
“My insurance policy only covered me for the first $700, which left me responsible for $1,200,” says Frank. He thought almost $2,000 was rather steep—or $400 per stitch. Frank called the hospital and worked out a payment plan: $28 per month until the amount is paid in full. He was willing to pay that amount, until another bill came in the mail—about three months later.
“Then I got the doctor’s bill for another $2,000, billed from her office directly this time, not the hospital,” Frank explains. “I called my insurance company but I was on the hook for the entire amount. She had already billed my insurance company, but it bounced back to me.”
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As for Frank’s eyebrow, the doctor did a good job and he doesn’t have a scar. But was it worth the expense? “Nah, I think it’s okay for a guy to have a little scar,” he quips. “Thank god I’m in a position to pay for it. But what is someone has a serious accident and can’t pay hospital overcharges?” That’s when someone seeks legal help.