I recently got very ill and had to stay in the hospital for a bunch of tests. They thought I had cauda equina but it was ruled out. My insurance said since I was stable they will not pay for the bill. The bill was $49k. I am extremely stressed as I am very overwhelmed with work, getting healthy, and now this. I am trying to file an appeal but I am worried it won’t be approved. I am on my own with no family to support me which is why I am posting here. What the hell do I do? That’s half my salary

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So the hospital thought but it was not - meaning they misdiagnosed and now insurance wants you to pay because hospital billed for misdiagnoses.

Consult a lawyer. Insurance company and hospital will have a different attitude. Find a lawyer who will have your insurance company pay for your legal fees.

Don't forget the money they owe you for the stress they have caused you.

I am only joking about the next part

If you win big because of doing what I said send me10% :-)

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It’s a bit more than that - basically I was having peripheral neuropathy, urinary retention, and consiraption. These are textbook symptoms of cauda equina. They kept giving me stuff once they ruled CE out but nothing was working. They ended up keeping me but found nothing. Eventually, they let me go. Basically, they kept me a few extra days to do a bunch of tests and shit.

Op don't make yourself the best witness for the hospitals mistake. Let an attorney decide.
Like you said - "they ended up keeping you." You did what the medical professionals at the hospital told you to do.

Unless you are medical expert dont say whats classic text book example.

I say it with love but you will be a nightmare client for an attorney.

If you are so convinced hospital did everything right - pay them :-)

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Write about it to your state/local representative- resolved my hospital bill same day 😂

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OP, you’ll eventually learn to ignore literally whatever the hell your insurance company says. Insurance companies are the most incompetent and malicious industry you’ll probably ever encounter. They will kick and scream, but almost always pay out with enough pressure and persistence.

Assuming you went to the ER and a physician admitted you, there’s no logical reason why they shouldn’t pay, as long as your stay was deemed medically necessary by the physician. If the insurance company gives you a hard time, talk to the hospital and physician’s office to have them support your appeal with a statement of medical necessity. In a medical emergency, you’re not expected to walk out of the hospital whenever your insurance company gets tired of paying. You’ll leave when you’re properly discharged under the guidance of a physician.

Worst case, if this isn’t resolved between your insurer and the hospital/physician, you can speak to a lawyer. Beyond that, you can almost always work out a significantly cheaper cash price with the hospital if you’re paying out-of-pocket.

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You need to fight the claim. Your EAP may have a claims service that can help you.
Don’t take insurance’s, no, as the final answer. Your plan HDP has an OOP max. Going to ER triggers a specific co pay.

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Your plan has a benefit summary. Go over it with a fine tooth comb. Don’t roll over. It’s not over.

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Reach out to your company's HR (assuming this is an employer health plan). Most company's have a benefits team that meets with their insurance vendor's account management to investigate things like this- they will want to help you

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Whatever you do, don’t pay the bill.

If you were stable, the hospital would have let you go. So I don’t see how the insurance company makes that determination.

Or did they want to discharge you and you didn’t want to leave?

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They just kept saying they were gonna keep me another night and I would stay.

This is when you involve an attorney. I work in the healthcare space and honestly have gotten into the biggest fights with my insurance and hospitals.

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do you have an out of pocket maximum in your insurance plan?

Apparently it does not apply if it is not covered.

Go fund me brah

That sucks. Sorry can't help.

It does make me feel better about all the $200k salaries in NA though being on half that in the UK. Because we have free healthcare shit situations like this just don't exist here.

Hope you manage to get it sorted though 🤞

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