r/HospitalBills • u/novaseestars • Jan 14 '25

Hospital-Non Emergency Gastro appointment today, how to pay less?

My estimate is $374 and im a broke 18 yr old college student. I need this appointment cause of serious gastro issues and i already prepaid that money. Is it possible to get some of it back by talking to my insurance or doctors? I use blue cross blue shield (sadly) and the appt's with Baylor Medicine.

For future gastro appointments/labs, how can i pay less?

edit: this place was in network and the closest

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u/SnooTangerines7525 Jan 14 '25

Go to the ER with Chest Pain. They will charge so much money, you will have met your yearly deductble. Throw the hospital bills away. Do this at the begining of every year.

6

u/[deleted] Jan 14 '25

How to solve your problem without solving your problem and creating new ones.

1

u/SnooTangerines7525 Jan 15 '25

But the deductible will be met for the year! We didnt write the insane rules. The hospitals sure do cheat and take every advantage, why shouldnt consumers?

1

u/[deleted] Jan 15 '25

Hospitals aren't the profit centers you think they are. The real villain is insurance companies. What happens when you can't schedule any follow up care because of the balance you didn't pay? In the future your credit score won't go down, but it will be credit reported and in collections. And now that it's not going to affect your credit score, hospitals/insurance companies are lobbying for the deductible to have to be paid, not just billed. So prior to now, it fucked your credit and in the future you'll have to pay it for it to be considered cleared. So I guess you have a one year window where the only consequence is ability to schedule follow up, but that just became the case like 2 weeks ago.