Faithful Whizbangers will remember when I tried to amputate my finger in June. I have just now received the Explanation of Benefits from my insurer. The bill includes $233.27 for drugs, $205 for supplies, and $666 for service. The latter was divided into two separate categories; I have no idea if that occurred solely to avoid the sign of the beast.
The grand total for sewing me up came to $1104.27. If I had no insurance, this would be my bill. Oh sure, the hospital might be willing to negotiate it down some if I could show financial need.
Of course, I have employer-provided insurance. Thanks to the company's power, $651.71 is "not covered." This brings the final bill down to $452.56. I will end up paying this amount toward my annual deductible, essentially covering the entire final bill out of my pocket.
So let's review that: even though my insurer is not paying a cent for this ER visit, I get a $651.71 discount simply because of their power. No insurer and I owe the entire amount.
I am not complaining about my bill. The final amount seems fair, and I clearly had to have the wound cleaned and closed.
I wonder about the pricing and discounts and other negotiated sorcery.