The issue generally affects patients who do not have insurance and may be charged much more for medical care than those who have insurance would be charged. In fact, according to some critics, these uninsured patients may pay between two and four times the rate that insured patients pay for the exact same treatment. Patients may receive 10 minutes of treatment but be charged more than $1,000, whereas the insured patient would only rack up charges of a few hundred dollars.
Making the situation more complicated is that uninsured patients often cannot find out prior to obtaining medical treatment how much they will be charged, and they generally are not given access to information about a hospital’s billing practices, so they may not realize they are being charged more for the same services. Ultimately, they are faced with either paying an exorbitant fee or having their bill go to collections.
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Even patients with insurance face high bills. One person interviewed for the article said his insurance company refused to pay for asthma treatment at a mini-ER, and he is now on the hook for $1,600. Patients may also learn too late that the ER center is “out-of-network” and therefore not covered.
Patients who have been to a hospital ER and received treatment while they were not insured may be eligible to file a lawsuit against the hospital, if their invoice does not show some form of special discount.