A really dreadful gurney-side manner, this is:
Laura Cameron, then three months pregnant, tripped and fell in a parking lot and landed in the emergency room last May — her blood pressure was low and she was scared and in pain. She was flat on her back and plugged into a saline drip when a hospital employee approached her gurney to discuss how she would pay her hospital bill.
Though both Cameron, 28, and her husband, Keith, have insurance, the bill would likely come to about $830, the representative said. If that sounded unmanageable, she offered, they could take out a loan through a bank that had a partnership with the hospital.
I got hauled to the ER twice in 2016. The first time, an underling who came off like Truman Capote’s taller brother let me know that I was facing a hundred-dollar copay, and would I like to take care of that now? I was sufficiently conscious to nod assent, and dug out my debit card.
An hour later, part two of the Truman show: “They’re telling us you haven’t met your deductible yet this year.” I shrugged, handed over the plastic, and signed for a thousand. Shortly thereafter, I was wheeled to an actual room.
[P]romoting bank loans at hospitals and, particularly, emergency rooms raises concerns, experts say. For one thing, the cost estimates provided — likely based on a hospital’s list price — may be far higher than the negotiated rate ultimately paid by most insurers. Sick patients, like Cameron, may feel they have no choice but to sign up for a loan since they need treatment. And the quick loan process, usually with no credit check, means they may well be signing on for expenses they can ill afford to pay.
I suppose I was fortunate in that I actually had $1100 in the bank. Not everyone is in such a position.
Here’s an option I heartily endorse when possible:
If you should find yourself in hospital unexpectedly, and confronted with this sort of aggressive approach, I suggest you tell them to talk to your significant other, or ask them to wait until you’re in a proper mental and physical and emotional state to make such decisions. If they persist, tell them what they can do with the paperwork. After all, they’re in a place where it can be extracted once they’ve done that!