Monica* had driven herself to the emergency room at a local hospital late at night after experiencing severe abdominal pain. She was worried she might have appendicitis, and her insurance company nurse line had advised her to go to the emergency room. A CT scan, MRI, and blood work were ordered, and intravenous pain medication was started. After several hours, her tests showed that she had a ruptured ovarian cyst, not appendicitis, and she was discharged home.
So here’s the “gotcha” moment, a new twist in paying for healthcare. When Monica was checking out, the clerk asked if she’d like to pay cash for her visit for a 75% discount, or to have the hospital file the visit to her insurance. Her insurance deductible was $2500 and she hadn’t had any healthcare costs yet this year.