One serious but relatively minor crash in terms of total bodily damage = $90468 bill. And that’s not the whole bill—it’s something like another $20K more.
This sort of thing can break someone (most people) financially without insurance. So we all pay far more, since they cannot.
$101.15 for Tylenol, for starters. An MRI for $7900 that is about $400 at Insight Imaging. $13760 for an overnight stay in a secondary facility bed, where the nurse could not manage to produce god-damned Tylenol for two hours while I was in pain, in spite of asking 3 or 4 times. Etcetera.
I’m not sure that this is all of it (the $5500 surgeons’s bill is not listed yet, at the least)—my insurance has stated that I owe $11000 or so, which is a cost for me that displaces all sorts of things, none of which involve niceties.
For many, medical care is an ongoing trauma for a year or so as the bills roll in and what with dueling with the insurance company. In the past, Stanford has billed me up to a year after the fact, so I wonder how this one will roll out.
Update: I called the insurance company. This is ONLY the hospital portion, for which (this is not a typo!) the insurance company paid out about US$64,800 to Stanford Hospital. It does NOT include other expenses (like surgery), for which I am on the hook for over $11,000, pending appeal. I was late on my monthly premium—had I not gurgled out instructions to my wife to pay it the next day (Dec 31), I’d have lost most of my life savings. This is sheer insanity—criminal IMO.
And get this—Stanford Hospital wants their money, but 6 weeks later, they still don’t have all the numerous tests in my medical file—now that’s offensive.