Chronic Fatigue Syndrome Support Group
Chronic Fatigue Syndrome (ME/CFS) describes a sense of exhaustion and post-exertion malaise, even when you have gotten enough rest and sleep. The disease is characterized by six months of incapacitating fatigue experienced as profound exhaustion and extremely poor stamina, and problems with concentration and short-term memory. The cause is unknown, but it is a...

It is a horrible thing to be sick in the US and I was even told by my House of Delegate, Rich Boucher, that if I went to the ER they would write it off as a charity case. Can you imagine being sick with insurance in the beginning, having 2 surgeries that arent completely covered along with doc visits, and then loosing your insurance. Being told by the govt. that you have to wait 2-3 years to get Social Security disability with a 0 income and then when you finally get SS disability if you arent considered in a poverty level they deny you health insurance for over 2 years. So you have one option, go to the ER if you have a crisis situation, and then deal with this?????????
If you are in an accident and are brought to a for-profit hospital, they have to treat and stabilize you enough for transport to a county hospital, this includes emergency surgery.
If you take profit out of medicine, who will front millions of dollars to develop new drugs or devices? Who will front the money for medical research into new treatments and surgical techniques?
This second company then is subject to the same rules as, say, a credit-card company and the collection procedures can wreck your credit if you do not meet their terms.
It's this practice of selling off their slow-payer accounts for cash that is new. There are companies that are now actively soliciting hospitals and clinics for this kind of business, so watch what you sign. If you do not agree in your admission paperwork to let another company "manage" your account, they cannot do it.
I think it was Business Week that broke the story originally, I am not sure.
I posted this because I know a lot of us with CFS use ER's for our care.
My experiences are exactly what RicheD explains unless a hospital writes you off as a charity - you are still responsible for the bill and yes they do turn you into collection agencies regardless of your circumstances. Millions of Americans are without Health insurance. Many of these are in a bankrupt stage because of an emergency situation and treatment recieved that they dont have the means to pay for. And some of these arent disabled. There are elderly people that are forced to keep on working to have health insurance for their conditions. They cannot afford to retire in the US. My mom being one who is 70ty years old.
Certaintly hospitals are a business and that is not the point - all businesses are out for profit making.....but the point is our Govt sits back and lets stuff happen. People with disabilities are in no condition to work, pay for services, and are caught up in the middle of this.
People who are capable of paying for services should but people who are on limited incomes cannot pay. I frankly am not in a position to be concerned about whether or not our govt or its facilities have the finances to support research, new surgery techniques, and or develop new drugs and funding for it. The govt and CDC seem to find money for its funding yet fail to acknowledge the Healthcare crisis in the US.
I apprecite peoples concerns...and also respect their views but on a personal level I am more concerned about making it through the next year without any medical insurance. I was a law-abiding, tax paying, responsible citizen...who paid my medical bills and others when I was well. What about Americans with disability rights? If you are disabled you are not in a position to pay for anyones profits, you are a forgotten individual and the govt could care less.
I think we should consider other peoples feelings and walk in their shoes if we are unable to understand their situations. There are many people on this site who were hard working individuals before this illness and responsible people. I hardly think we are in the bracket of being the ones who encourage taking the profit out of medicine. Thanks for the infor RicheD and the support.
when i was sick with mono i was hopitalized for almost a month and i saw all kinds of drs because the test for epbar came back negative 3 times-so did the test for everything else-so they thought it was lymphomia. needless to say i racked up quite a bill-about $200,000 worth of a bill. at that time i was out of work and every dime i got went to my kids, i had to live with my mom. even when i started back to work again that bill was the last thing on my mind. i had to catch up with my car payment, i had to get new insurance, i had to get a house, i had to get speical eqipment for jeff-this was the time in his life that he was still very voilent towards himself and others, so ihad to buy special equipment for him:special doors, huge bean bags that covered the whole room, and then istill had to buy clothes, shoes, school supplies, pay for child care, but food, keep the water, gas and electric on. paying a hospital that has recieved a grant to pay for me being there and they were able to use my poverty level as a tax write off-so they pretty much got paid twice.
and they cannot turn you away! county hospitals have to treat you and they have to do everything they can for you.
i guess i see things differntly-i have always been poor and resourceful. i don't care if they send me mean little letters or call me 45 times a day (and that is not an exageration=45 times)and i don't care that they threaten to take me to court-ok...get blood out of a turnip! stand in line. i pay my necessity bills and that is all the $$ i have.
i also knoe that if you sent them a money order or check for $1.00 and they take it then that is the maxium amount that you have to pay them.
so don't stress out about it. you can pay it off as long as you can and then don' worry about it.
i think we have enough to stress out about-i don't care that this dr has to take the 2007 lexus....that is sad t me-HA!
so i guess my answer on this is if they turn it into collections and you are one of those people who needs the tremendously high credit rating then send them a$1.00 or $10.00 and it will show up on your credit rating that yes you have this bill but you are paying on it and that is the most important thing to people who check your credit-but they also look at how you pay your basic necessities and they are getting turned off on a regualarly due to lack of payments-then that is where you will get in trouble.
When people go to the ER nowadays, it is not always an emergency anymore. With no other way to get care because they haven't got the insurance or the cash, they go to the ER.
I was trying to point out that the system in place now is changing, you can no longer count on being left alone if you just pay off your bill as you can afford it, say $25 a month.
If you agree on your admission paperwork to allow the hospital to let another company handle your account, the hospital can sell your slow-pay account to a for-profit for cash without even telling you.
Then you no longer owe the money to the hospital, you owe it to the for-profit who can then add on fees, interest and delinquent penalties.
They can also trash your credit which many people need for mortgages, car loans, etc. if you do not meet their new terms which may include payments of $1000 or more within a short time frame.
So if you are not bleeding profusely or dying, you may not want to sign that paperwork. At least read it.