In USA, before you get LL, you get a quote. You then get surgery and then after discharge, you get a bill. What if the bill turns out to be way more than the initial quote? Do you have any legal safeguards against this?
I am asking about surgeons like Mahboubian and Debiparshad.
Quote from: gunslinger on July 06, 2022, 01:58:04 PMIn USA, before you get LL, you get a quote. You then get surgery and then after discharge, you get a bill. What if the bill turns out to be way more than the initial quote? Do you have any legal safeguards against this?
I am asking about surgeons like Mahboubian and Debiparshad.
There should be a paper agreement which clients need to sign before surgery, correct? That paper should explain everything including the exact money to be paid.
Quote from: ilovescience on July 06, 2022, 03:06:34 PMThere should be a paper agreement which clients need to sign before surgery, correct? That paper should explain everything including the exact money to be paid.
Someone here has never dealt with the American healthcare system.
I think this is possible anywhere in the world, not just in US. Even in Germany, they will not cover any complications arising out of LL. So during surgery if something bad happens and you end up staying for long in the hospital, you will have to pay up the extra amount.
Quote from: randy on July 07, 2022, 10:03:31 AMI think this is possible anywhere in the world, not just in US. Even in Germany, they will not cover any complications arising out of LL. So during surgery if something bad happens and you end up staying for long in the hospital, you will have to pay up the extra amount.
Bad happens. Could it be like surgeons are not available for private reason, so they have to find another surgeon and you have to pay more
I did some research on this. I am hoping others from USA will also chime in. After all USA is the safest place to get LL done.
- Worst case, even if you don't pay your medical debt, you will not be tried in court or incarcerated. Worst case it will hit your credit score. Medical debt has a statute of limitations of 7 years. So you gotta somehow survive those 7 years with poor credit. After that the credit hit goes away.
- In many cases, if you plead at the billing department of the hospital they will give you discounts. Or at least they will put you on a payment plan which gives you time to pay. Most USA hospitals are non-profit. They are not supposed to viciously go after you for every last penny.
- There is a recently passed bill called No Surprises Act. It requires the surgeon or hospital to provide a good faith estimate of the costs involved. If the costs significantly increase after surgery, there is a dispute resolution process. At least this should prevent any malicious billing done. However, this will do nothing for complications.
- For complications, PLEASE FIND AN INSURANCE WHICH COVERS COMPLICATIONS OF NON-COVERED SERVICES. I do not know which insurances offer this but search for it. And inform the forum if you find anything.
Remember that USA is a highly developed country and one of the greatest countries where healthcare can't be so bad despite the reputation.
Quote from: gunslinger on July 07, 2022, 12:10:04 PMI did some research on this. I am hoping others from USA will also chime in. After all USA is the safest place to get LL done.
- Worst case, even if you don't pay your medical debt, you will not be tried in court or incarcerated. Worst case it will hit your credit score. Medical debt has a statute of limitations of 7 years. So you gotta somehow survive those 7 years with poor credit. After that the credit hit goes away.
- In many cases, if you plead at the billing department of the hospital they will give you discounts. Or at least they will put you on a payment plan which gives you time to pay. Most USA hospitals are non-profit. They are not supposed to viciously go after you for every last penny.
- There is a recently passed bill called No Surprises Act. It requires the surgeon or hospital to provide a good faith estimate of the costs involved. If the costs significantly increase after surgery, there is a dispute resolution process. At least this should prevent any malicious billing done. However, this will do nothing for complications.
- For complications, PLEASE FIND AN INSURANCE WHICH COVERS COMPLICATIONS OF NON-COVERED SERVICES. I do not know which insurances offer this but search for it. And inform the forum if you find anything.
Remember that USA is a highly developed country and one of the greatest countries where healthcare can't be so bad despite the reputation.
If the credit score really is low in someone, will his access to hospital and other services be blocked temporarily?
Quote from: ilovescience on July 07, 2022, 12:40:18 PMIf the credit score really is low in someone, will his access to hospital and other services be blocked temporarily?
Not to hospitals.
Quote from: gunslinger on July 06, 2022, 01:58:04 PMIn USA, before you get LL, you get a quote. You then get surgery and then after discharge, you get a bill. What if the bill turns out to be way more than the initial quote? Do you have any legal safeguards against this?
I am asking about surgeons like Mahboubian and Debiparshad.
In USA, before you get LL, you get a quote. Then you have to pay the full amount BEFORE surgery, or else the doctor will not perform the surgery.
I’m pretty sure that’s what it’s like with every other LL doctor outside of the USA.
Quote from: HeightJourney2021 on July 07, 2022, 01:40:15 PMIn USA, before you get LL, you get a quote. Then you have to pay the full amount BEFORE surgery, or else the doctor will not perform the surgery.
I’m pretty sure that’s what it’s like with every other LL doctor outside of the USA.
1. With Dr Rozburch in New York City, you pay the hospital bill AFTER surgery.
2. Even if you pay before surgery they can add extra charges and send you new bills after surgery.
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