![]() Covered by insurance and have disconnected the cost of procedures from the cost of insurance (able and willing, more or less).In the case of your friends who advised you that "Americans don't have to pay those bills", are either:.The majority of Americans are both able and willing.In my experience, more Americans are willing but unable than are able but unwilling.There are also many who are able to pay but are unwilling to do so.There are many who are willing to pay but are unable to do so.how likely is this individual to pay their bills? Some providers are even consulting these services up front - in tandem with pre-service clearance or eligibility checks - to attempt to ensure they will receive payment for the services they provide, before providing the service. For example, credit bureaus now offer products to calculate "propensity to pay" scores - i.e. There are two related concepts that must not be confused: those who are able to pay, vs.Instead, the cost of insurance and the cost of the procedure are completely disconnected. One of the effects of this is that the true cost of medical procedures are hidden from the consumer. In general, most Americans are covered by some form of medical insurance.There are some uniquely American issues in this question (and answer), but some general principles as well. Whatever is left at this step is what you pay. * It's possible that your balance is $4, or $20, or $65, or even still $100 depending on your particular insurance plan. You received a "Balance Due $0" statement. the end of the month comes around and bills are automatically generated.on the 15th (to pick a random date) insurance pays the portion it deems fit.(Note that it's possible to cycle on this step for a couple of months depending on your insurance provider.) Because insurance hasn't responded yet, your balance is still $100. the doctor's staff files the necessary paperwork with your insurance.So here's how medical bills "you don't have to pay" might come about: In addition to the good answers already provided, I want to point out that many (most?) providers will handle filing your health insurance claim for you even though it's really your responsibility. Question: Is it common in the US not to pay medical bills? Or do I misunderstood what had been said? (P.-S.: I've paid them in full, since my home-country insurance reimburses my expenses ex post.) ![]() I've hence paid above mentioned medical bills. Regarding my experience, I'm however considering myself obliged by expenses I do, and thus pay what I owe. In my understanding, this implies that some are not always required to pay these bills. Some medical providers figure out what you will owe, and that's how much they require (or at best, simply ask for) More recently, I stuck upon this comment that triggered me and led me to ask this question. (I must clarify that they are wealthy upscale members, who can afford paying these bills.) Surprisingly, some of my colleagues told me in substance:ĭon't worry about these bills, you don't have to pay them, no one is doing it here. Indeed, I had to go to hospital and received medical bills. Context: As a foreigner in the US for a few months, I'm wondering how to react regarding medical bills.
0 Comments
Leave a Reply. |