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Man Receives $367,000 Medical Bill

A photo of man's $367,000 hospital bill is going viral.

Reddit user kgfromthemv shared a photo of his brother's medical bill after he broke his neck, back and ankle during a rock-climbing accident, the Atlanta Journal-Constitution reported.

The hospital bill came out to a whopping $367,435.80. The reddit user claimed his brother spent a week in the hospital, underwent two surgeries and received braces and a cast.

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The user stated that it was the only bill that was presented to him, and that insurance covered most of it. He said they only had to pay $1,500 out of pocket.

When explaining the cost, the user wrote:

So, there is actually quite a bit that goes into it. It depends on what insurance provider you have, and what plan you're on through them. Usually how it works is that the insurance covers a percentage of the bill, and the patient covers the rest.

Fortunately my parents have pretty good insurance (My brother is 20, so still covered by their plan). The insurance covered about $197k. ~$169k is considered ‘negotiated fees.’ It basically means, at least as far as I understand, that the insurance company has a max amount that they pay out for any given procedure. The hospital has to write the difference off. The $169k is that difference. I'm assuming the insurance provider sets this type of thing up in advance for situations like this. My brother will only end up paying about $1500. Like I said, my parents have pretty good insurance.

I definitely understand that these situations vary, and it doesn't always work out this way though. Keep in mind also that this is only the hospital bill. This doesn't include the ambulance fees, paramedic fees, or fees that individual ‘specialist’ doctors might charge for any treatment they administered. Most of the time, there aren't any ‘write offs’ from those, and they might actually end up costing my brother more than this bill. I know the ambulance fee is around $5,000 alone.

Needless to say, healthcare in America is pretty complicated.

Sources: AJC, reddit / Photo credit: kgfromthemv/Imgur

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