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totally agree. i had to my wisdom teeth taken out a week ago... THAT was a fun expense. even with dental, i shelled out over $800.
It pisses me off to no end that the eye doctor charges me $60 for a contact fitting. WHY? I'm getting the same brand and my base curve has not changed.
I'd switch doctors. I had a gyno that used to make me come in everytime I just wanted to ask a question because they knew they could bill my insurance.
I'm so glad I'm now living in the UK.
Doctor's visits - free
Birth Control and other continuous RXs - free (and you can get 6 months worth of BC at a time)
Other short term RX's - ~$10
Eye doctor - free
Contacts - Free or really cheap (not sure, haven't been yet)
The ob/gyn had to do a colopscopy on me in August...it was over $600 just for that portion. Not to mention the cost of the second abnormal pap before the colop. and the lab costs and the person to read the lab results.
Ridiculous!
@LGenz:Ha, I cancelled my ob/gyn appointment and waited to call back the day after Thanksgiving. There were no appointments available, so they had no choice to write me a prescription to get me through the weekend. Guess what...I'm feeling a lot better. down there and feeling good I didn't have to spend the money to go to the doctor. LOL!
Wow - maybe I have really good insurance or something because for everything you described, I'd pay $20.
And I know my parent's insurance is awful becuase since my dad owns his own business, they have to get an individual policy. And it would only cost them $25 for a co-pay.
@Mrs.KMM:My primary care physican is part of the Cleveland Clinic. Cleveland Clinic has a wonky billing system. They bill doctor's appointments as outpatient services, so you get charged a $35 dollar facility fee just to walk into the office; this is not covered by my insurance and in addition to my copay. And then, I've had doctors ask me if anything was wrong other than what I came in for, and they charge me an extra copay amount. Wonderful. I ususally switch doctors.
Wow, I had no idea you had to pay in such detail for every little thing. I always hear these stories about Americans having surgery or a serious illness and how they can end up being in debt and paying it off for years. I can't imagine how differently you ladies must feel about being sick, or having sick parents, or having sick children. It sounds very scary to me, I'm sorry you have to go through all that. :(
@Juliepants: Yeah, it's pretty crazy.
I have acid reflux and my deductible was $2,000 per year. So every January I'd have to pay $2,000 to my reflux doctor because one office visit was more than $2k because of the tests they did.
Then I was also on 2 different medications and had at least $50/mo in RX fees. On top of that, only 40% of my bills from the dr were covered by insurance, meaning 60% of every $2k plus visit was my responsibility to pay. AND I had to go to the Dr once ever 4-6 weeks to check on everything.
And that was just for maintenance. I was looking into surgery and don't even want to think about what that would have cost. Probably in the $10,000s or more.
Again... so glad I'm in the UK now.
@LGenz: As someone whose had two eye procedures in two years, eye appointments are especially important. Your eye can change every year in subtle ways that need to be addressed. I actually like the law/rule that it's in place to ensure that you're taking the best care of your eyes as possible. I still owe $200 on my last eye procedure. I'm okay with paying for it knowing that I received the best care I needed for my eyes.
I think alot of the costs comes from high amounts of malpractice insurance doctors have to carry in the US, since everyone sues.
This is the story of my life over the last year and after at least 40 dr visits for infertility, plus three surgeries, now my DH and I have to shell out thousands of dollars for one IVF cycle. If that doesn't work, back to square one and it is another $15,000. I'd give anything to live in Canada or Europe right now!!!
@carrieknitscake: I have eye insurance and I'm covered for exams for glasses prescriptions. Its just that when I need a contact prescription they randomly charge me an extra $60 for the same.exact.exam. Nonsense.
@LGenz: I work at an eye doctor's office. A contact lens fitting should be a one-time fee, and only charged if you're a first time contact lens wearer. (The typical protocol is this: 1.) Fitting - where you go in and a tech teaches you how to insert and remove contacts, and you have put them in and take them out three times. This is a one time deal for first time contact lens wearers. 2.) A follow-up progress exam, approximately one week after the fitting, which the doctor will check you again to ensure that the contact lens fits your eye properly, etc. )
Other than that, you should only need a yearly exam. (A glasses or contact lens prescription is only good for one year.)
@LGenz: I don't have eye insurance, so I pay everything out of pocket for my exams and lenses. Thankfully, my procedures have been covered by insurance.
@Baby_Diva:I've been charged a contact fitting fee every single time the eye doctor writes me a contact prescription. My FI gets charged too, but he fights with the office until they remove the charge.
Unfortunately, a lot of places are charging facility fees these days to cover some of their overhead costs. It sucks.
It definitely depends on your insurance. This year alone I have had a tonsilectomy and am pregnant (with a few trips to the hospital thrown into the pregnancy). What has been billed to my insurance this year alone is nearly $40k - I have only paid a total of maybe $500 out of pocket. I paid nothing for my tonsilectomy, all doctors appointments associated therein, all follow-up, etc. No copays or anything. With my pregnancy, I have paid only $100 per hospital visit and a few co-pays, otherwise nothing there. We also have no deductible. That being said, my husband and I do pay $500 per month (which will jump to $700 per month once our baby arrives) for our health insurance through his company. But, we utilize it so much that the services received far exceed the monthly cost.
@coffeegal85: What another copay if you have a second problem?!? Sometimes I'll ask questions about things- They would have to charge me like 4 copays.
I know! My insurance starts January, but I went to Urgent care; $122. When insurance starts, it is $300 a month! I really can't afford it. I had surgery in February and it was $36,000. I am on a long payment plan.
@cbee: My jaw just dropped. I really had no idea. That's insane! You can't even help things like that!
Evil !
I'm hoping by the time I have kids, my husbands family has retired and we are moving back to Argentina with them.
I used to get yeast infections every month with my period. Every month, I'd start itching, so I knew to carry around a pad or tampon. And being a student, I can go to student health as many times as I'd like, fo freeee, but I had to get a test done, each month. well.. Finally I called and was like, I know you're going to stick this little wire brush up in my vag. Can you just write me the script for a year? Plllleeeeaaaassssseeeeee? and they did.
But yeah, it's outrageous. I went into the dr (pt 1st/urgent care if you're not in the area) and it was a normal $35 copay, and I get my scripts there, because it's easier. And because the lady didn't believe that my ears were infected, "if you start getting dizzy, weezing, or your ears start hurting, come back" AKA I'm not giving you exactly what you'll need so we can charge you another $35 dollars AND Bill your insurance. When I went back in, I was livid. Because in 2 days I started weezing. They wanted to do chest x-rays for pneumonia. AGAIN.
Why do so many people stand for this? If everyone decided to up and leave the USA I bet government would change what's going on verrry quickly.
I am so lucky to live in Canada!!!!
Sorry, but yearly exams are necessary. There are laws in place preventing doctors from extending prescriptions without a recent exam (1yr). They are just trying to cover there asses in case some problem does arise and they dont catch it early because they haven't examined you in years.
That's crazy. I had no idea things were so expensive. Here I am stressing over how to pay vet bills, which seem silly in comparison. Hopefully one day it won't have to be like that.
@coffeegal85: So you're being charged for a FITTING, and not an EXAM?!??! That sucks, and doesn't sound quite right to me.
Maybe the laws regarding contact lens fittings vary from state to state. There are also contact lens consumer protection laws, etc. I'd do a little research if I were you.
Yay canada. That sounds like way too much money :S It's cheaper to take my dog to the vet, and I thought that was expensive.
@adnama: RIGHT?!
My doctor keeps upping my migraine medication, and my pharmacy keeps giving me holy freaking hell about not making it a month before refilling it. I hate that. I had to practically beg them the Tuesday before Thanksgiving to give me a partial refill so I could make it until Friday (when the prescription was technically able to be refilled). Way to make me feel like a drug addict, pharmacy!
Plus, now that Fiance & I are about to be married, we will go on my insurance, meaning my deductible will QUADRUPLE (it is joined) - from $500 single to $2000 joined, and my weekly take out will also be significantly higher- from $20 weekly to $100 weekly... I understand why my company does this (it is private insurance, and it is a set rate for families, say someone has four kids...), but... COME ON!
I kind of think that you should have to go to the doctor if you haven't been in a while. How are they to know that you still need the prescription and that your health hasn't changed if you haven't been in a year?
And the symptoms for a yeast infection could also be symptoms for something else. Of course the doctor wants you to come in so they can properly diagnose you before giving you meds. They can't just randomly give out whatever people ask for.
@artbee:Its not like I haven't been to the doctor in a year...its just been that I haven't seen my general practioner in a year. I usually just go to urgent care when I'm not feeling well, because doctors work business hours and I need to go to work.
I also know my body well enough to know when I have an yeast infection. If I've never had one before, I understand going into the doctor, but I have had many. It sucks.
@coffeegal85: I understand that it sucks, but I still see where the doctors are coming from. They haven't seen you. They don't know what's been going on with you. They don't know for a fact that you have a yeast infection unless they check you out themselves.
If they give you meds without seeing you and they're the wrong meds, they're going to be in trouble. So of course they're going to make you come in.
@artbee: agree. There are reasons why many medications are only available with a prescription. Any medication can cause serious problems if it is used incorrectly. Even when someone swears they have had several UTIs/yeast infections/sinus infections and know that's what it is, if I had a dollar for each time those people were wrong, I could buy a car.
ETA: I was agreeing with artbee the first time, and we replied at almost the exact time. Your second response was exactly right.
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I'm relatively healthy, so I'm not at the doctor much. Recently, I ran out of my daily prescription and they wouldn't refill it unless I came in and saw the doctor. I have been taking the same presciption for over a year, why do I need to spend the money to go to the doctor? Its $35 dollars to just step in the office, then another $35 copay to see the doctor, and then whatever else the doctor decides to do. I then had a yeast infection and called the doctor for the oral mediction. Guess what, they wouldn't give me the medication unless I came in. Another $35 dollars for the doctor's office and whatever they charge to do the lab work. I've had yeast infections before...I know I had one, just give me the medication. Then today, my contact order was cancelled, because my eye doctor told visiondirect that my prescription had expired. I had ordered one box to hold me over until next year. My vision insurance doesn't kick in until next year; I'm pretty sure one box of contacts won't hurt me. Ugh. Eye doctor, another expense.
Something needs to be done about healthcare costs. They are getting riduculous.