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Feb 28, 2020 15:24
4 yrs ago
37 viewers *
English term

inpatient per confinement deductible

English Other Insurance
No charge after $150 inpatient per confinement deductible
Responses
4 +2 Maximum admission fee is $150 for each hospitalization event
Votes to reclassify question as PRO/non-PRO:

Non-PRO (1): Yvonne Gallagher

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Discussion

philgoddard Feb 28, 2020:
I think it's deliberately confusing. I've lived in the US for 13 years, and I still don't understand the difference between deductibles, co-pays, and out-of-pockets. They're all just different ways for insurance companies to screw you out of money.
AllegroTrans Feb 28, 2020:
Yes, confusing wording... but unfortunately it's the mid-Atlantic linguistic abuse that's being foisted on us all (both sides of the pond)
Sheri P Feb 28, 2020:
Yes, Masoud, I agree it means the patient pays only $150 for each hospital stay. Any additional charges would be covered by the insurance company. The wording is indeed confusing.
Masoud Kakouli Varnousfaderani (asker) Feb 28, 2020:
Does it mean that there are no other fees when the inpatient pays his 150$ share for each hospitalization event?
Masoud Kakouli Varnousfaderani (asker) Feb 28, 2020:
The wording is so confusing to me Can anyone kindly explain that why the wording is so much confusing?
Tina Vonhof (X) Feb 28, 2020:
A 'deductable' is what the patient has to pay per confinement (stay in the hospital), even when insured, but there is no additional charge.

Responses

+2
10 mins
Selected

Maximum admission fee is $150 for each hospitalization event

.

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Note added at 26 mins (2020-02-28 15:50:40 GMT)
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In this instance if a patient spends a night, or more, in a hospital s/he will be charged no more than $150 for this hospitalization event.

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Note added at 1 hr (2020-02-28 17:15:05 GMT)
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Yes, patient pays the first $150. For example if the bill is $1,000 for two nights stay the patient pays $150 and the insurance company pays the next $850.
Note from asker:
and who pays this 150$ in this sentence? thanks
Sorry, I understand now, the patient should pay this.
Peer comment(s):
neutral Tina Vonhof (X) : Needs an explanation
5 mins
agree philgoddard
1 hr
agree AllegroTrans
2 hrs
neutral Lydia De Jorge : The patient pays a deductible of $150. This is not the same as the FIRST $150. Also, the insurance doesn't just pay the balance. They have pre-arranged rates.
5 hrs
neutral Yvonne Gallagher : with Lydia's explanation. I can't agree with your explanation
6 hrs
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4 KudoZ points awarded for this answer.
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