If I remember, when we delivered my daughter Katherine almost 8 years ago, we didn't have to pay for the delivery and the hospital charges. That totaled up to $4,000. The reason why was because our PPO health insurance through Blue Cross/Blue Shield covered it.
What if you have AmeriPlan's® Basic Health or better?
With AmeriPlan's® Basic Health (or better), you still pay for the hospital bills. However, if your bill goes over $2,500, AmeriPlan® will assign a person who will negotiate on your behalf a payment plan based on your ability to pay. Different people have different outcomes. One medical entity decided to take what the person offered to pay and wrote off the rest of the bill in his taxes. You may have to pay the hospital bill, but it may be discounted. If you had to make payments, it would be handled such that it you won't have to lose your house or so.
One thing I understand is those who are taken to emergency would have to be handled immediately, especially, if a loss of life is possible. Most doctors, although stressed at most times, have the professionality to handle patients in extreme distress. I guess that's the business the hospital is in, not just make people's lives better, they would their best resources to save them.
Never mind the after effects of your hospital experience. You let your health program handle that, no matter what company you went with.
Cheers,
Sidney Juachon
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