America. Ideally you have insurance through work. Going to your PCP may be ~$50, same for specialists. Urgent care and ER will be higher, then there will be additional bills depending on what needs to be done and your insurance. Then there’s “in-network” and “out-of-network”. In-network will be covered more by insurance than out-of-network. It’s tricky for hospital stays. In my area there are doctors who are out-of-network working at in-network hospitals. So you will get 2 separate bills - one from the hospital and one from the doctor.
Honestly it’s terrifying having an emergency because you really don’t know how much it could cost. Most insurance plans have a max out of pocket. One number for the individual, one for the family. The lowest I’ve seen is $2k/$6k while the highest was ~$16k/30k. I’m in a LCOL city though. Max or of pocket is the maximum you should ever have to pay for a single year. You will almost definitely hit this if you have a baby or need more than a couple days in a hospital.
For people with low income there are sometimes assistance programs at hospitals. One common outcome is you go into a payment plan and maybe years later your remaining debt is forgiven. The payment plans can be very cheap. I’ve heard of $25/mo. Still it’s probably for a bill that’s in the thousands if not 5 or 6 digits.
If you don’t have insurance through work you can buy your own insurance but many people just wing it. Most hospitals will charge less when there is no insurance to bill. Maybe 1/3 what they would charge insurance. This will still be in the 4-6 digit range. So you go into a payment plan, or maybe there’s additional financial assistance from the hospital, or you just ignore the bill and take the credit hit when it goes to collections.
There are programs through the government, Medicare and Medicaid. They cover quite a lot but if you’re under 65 then I believe you have to be disabled to qualify.
The quality of care is generally high though, so that’s cool.
America. Ideally you have insurance through work. Going to your PCP may be ~$50, same for specialists. Urgent care and ER will be higher, then there will be additional bills depending on what needs to be done and your insurance. Then there’s “in-network” and “out-of-network”. In-network will be covered more by insurance than out-of-network. It’s tricky for hospital stays. In my area there are doctors who are out-of-network working at in-network hospitals. So you will get 2 separate bills - one from the hospital and one from the doctor.
Honestly it’s terrifying having an emergency because you really don’t know how much it could cost. Most insurance plans have a max out of pocket. One number for the individual, one for the family. The lowest I’ve seen is $2k/$6k while the highest was ~$16k/30k. I’m in a LCOL city though. Max or of pocket is the maximum you should ever have to pay for a single year. You will almost definitely hit this if you have a baby or need more than a couple days in a hospital.
For people with low income there are sometimes assistance programs at hospitals. One common outcome is you go into a payment plan and maybe years later your remaining debt is forgiven. The payment plans can be very cheap. I’ve heard of $25/mo. Still it’s probably for a bill that’s in the thousands if not 5 or 6 digits.
If you don’t have insurance through work you can buy your own insurance but many people just wing it. Most hospitals will charge less when there is no insurance to bill. Maybe 1/3 what they would charge insurance. This will still be in the 4-6 digit range. So you go into a payment plan, or maybe there’s additional financial assistance from the hospital, or you just ignore the bill and take the credit hit when it goes to collections.
There are programs through the government, Medicare and Medicaid. They cover quite a lot but if you’re under 65 then I believe you have to be disabled to qualify.
The quality of care is generally high though, so that’s cool.