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MRI bill question

by humanino
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humanino
#1
May15-13, 05:44 PM
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Dear PFers,

The hospital gave us a $12k bill for one MRI (head with contrast). The people I talked to at the hospital tell me that they do not know whether this is a fair price, which I find suspicious. The same procedure in France costs $300. As I am unsure what to do, I would appreciate advices from people here. Is this possibly a fair price ? Is there anything I can do to have them re-evaluate this price ?

Thank you in advance !
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Greg Bernhardt
#2
May15-13, 05:54 PM
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woah that is insane! I got a pelvic MRI with contrast for $600 a few months ago.
leroyjenkens
#3
May15-13, 05:57 PM
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I had a cat scan when I was a teenager because I had stomach pains. Didn't have insurance. They also sent me a bill for 12k. That was like 10 years ago. I never paid it.
So yeah if a cat scan is 12k, I could easily see an MRI being 12k.

mazinse
#4
May15-13, 06:04 PM
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MRI bill question

at my local ER, a head CT alone is $5k so your price tag is likely nation wide. Why is it like this, should we really have a long discussion on healthcare cost
MarneMath
#5
May15-13, 06:04 PM
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I don't know if that's a fair price. However, here is article discussing the price difference between United States and other countries.

http://www.washingtonpost.com/blogs/...280-in-france/
chemisttree
#6
May15-13, 07:16 PM
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Did they perform the MRI with contrast agent? That price is in the 2-3k range at the hospitals I've dealt with.
humanino
#7
May15-13, 07:19 PM
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Yes chemisttree, and yes that would be the price range I would consider fair in this region. Is there any third party assistance I can find apart from going to court ?
Greg Bernhardt
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May15-13, 07:44 PM
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Quote Quote by humanino View Post
Yes chemisttree, and yes that would be the price range I would consider fair in this region. Is there any third party assistance I can find apart from going to court ?
2-3k is not fair, they are ripping you off. Go to an independent imaging place. Smart Choice MRI did mine for $600 total.
Evo
#9
May15-13, 07:47 PM
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humanino, did you go to a hospital or to an outpatient imaging center? The difference can be thousands of dollars higher at a hospital. If you went to an ER first, tack on a couple thousand more.

You didn't have any type of insurance? Many hospitals will get you in touch with charities that can help pay that bill for you. They will even help fill out and submit the paperwork.

Request an itemized bill.

Evo Child had hives and it was at night, so her friends took her to the ER, she had always been covered by my insurance, so didn't give it a second thought. Two hours later she was released with some cream for the rash. The bill, over $5,000.
humanino
#10
May15-13, 07:49 PM
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Quote Quote by Greg Bernhardt View Post
2-3k is not fair, they are ripping you off. Go to an independent imaging place. Smart Choice MRI did mine for $600 total.
Thank you for this advice. We will investigate other local facilities for the next MRIs (which will happen regularly, as the $12k turned up unfortunately useful). I anticipate to find better offers, and I want to present them as evidence.
humanino
#11
May15-13, 07:53 PM
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Quote Quote by Evo View Post
humanino, did you go to a hospital or to an outpatient imaging center? The difference can be thousands of dollars higher at a hospital. If you went to an ER first, tack on a couple thousand more.

You didn't have any type of insurance? Many hospitals will get you in touch with charities that can help pay that bill for you.

Request an itemized bill.
It was not an emergency. We went to a hospital because her doctor prescribed the diagnostic. We already switched plan from 20% to fixed $250 copay for the MRI. I went yesterday to ask for itemized bill. The contrast agent was $300. There are two items for two parts of the head although she went only once in the magnet ! One is priced $5k the other $7k. They were not professional.
Evo
#12
May15-13, 07:54 PM
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Quote Quote by humanino View Post
It was not an emergency. We went to a hospital because her doctor prescribed the diagnostic. We already switched plan from 20% to fixed $250 copay for the MRI. I went yesterday to ask for itemized bill. The contrast agent was $300. There are two items for two parts of the head although she went only once in the magnet ! One is priced $5k the other $7k. They were not professional.
Did you have insurance at the time of the MRI? If you did and you gave them your insurance card, you only pay the copay, regardless of the amount of the bill. Some places will send you the entire bill while insurance is being processed, but you don't owe it as long as your insurance pays.
humanino
#13
May15-13, 07:57 PM
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Quote Quote by Evo View Post
Did you have insurance at the time of the MRI?
Yes, and the insurance has agreed to pay 80% and claims they negotiated the price.
Evo
#14
May15-13, 08:05 PM
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Quote Quote by humanino View Post
Yes, and the insurance has agreed to pay 80% and claims they negotiated the price.
That sounds right. I would ask the insurance company and hospital to show you the negotiated price. I have serious problems believing $12k was the negotiated price, which you would pay 20% of. Something does seem wrong.

My doctor bill, for example, says "office visit: $135, negotiated cost: $65, my copay: $5 The $5 is all I pay with the option I chose. The insurance pays the remaining $60 to the doctor.
humanino
#15
May15-13, 08:09 PM
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The original price was $13k which was taken to $12k. So our share is $2.4k. When I read MRI price $2k to $3k am I to understand that is after the insurance share ?
lisab
#16
May15-13, 08:17 PM
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Quote Quote by Evo View Post
Did you have insurance at the time of the MRI?
That's key.

Here's a summary as I understand it, from my husband who used to work for a big hospital.

All hospitals have a "hospital billing charge", also called a "billing charge rate", for every procedure. These rates are insanely high! But large insurance companies negotiate much, much lower rates. Medicare (US government health care for people over 65) also pays a much, much lower rate.

What you saw was probably the billing charge. You need to contact your insurance company to clear this up.

The health care billing system is insane here. Hospitals purposefully obscure patients' actual cost because they don't want to empower the customers, IMO.
Evo
#17
May15-13, 08:18 PM
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Quote Quote by humanino View Post
The original price was $13k which was taken to $12k.
WTH?

So our share is $2.4k. When I read MRI price $2k to $3k am I to understand that is after the insurance share ?
Yes. But an insurance company could only manage to negotiate $1k? Something sounds very wrong. I've had a number of MRI's and CAT scans, and I paid from a low of $40 to a high of $150 (insurance plans changed)
humanino
#18
May15-13, 08:22 PM
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Quote Quote by Evo View Post
WTH?
At the time of the procedure, it was ACE.

I appreciate your feedback very much.


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