Cost of Hospitalisation in the US – complete information
The cost of recruiting US hospitals is considered the most expensive in the world. Why is medical treatment so expensive in US hospitals? And what are the reasons for it? What can be done if you don’t have health insurance? Let’s discuss this matter in detail.
1. Why is healthcare so expensive in the US?
(a) Private Healthcare System
* Most healthcare and hospital facilities in the U.S. are run by private companies, their main purpose is to make profits. Read more…
* Their healthcare systems are not under government control, due to this, US hospitals collect their desired price.
(b) Administrative expenses
* Hospitals in the US are very difficult, insurance companies and government schemes and private payments work in different ways in hospitals here.
* All these processes cost significantly, which increases the cost of the hospital.
(c) High quality of medical services
* Medical facilities in the US are considered very advanced, this increases the cost.
* Medicines and equipment and doctors’ fees are more expensive.
2. What’s included in hospital charge?
(a) Bed charge (room rent)
* Normal wards May – $1,500 – $3,000 per night.
* In the Semi-Private Room – $2,500 – $6,000 per night.
* In the private room – $3,500 – $10,000 per night.
* ICU Bed May – $8,000 – $25,000 per night.
(b) Doctor and nursing fees
* General Doctor Visit – $300 – $1,000
* Specialist Doctor Visit – $500 – $2,500
* Nursing Care – $500 – $2,000 per night
(c) Price of medicines
* Medicines cost the highest in the world in the U.S..
* Medicines of diseases like cancer, diabetes and heart disease are several times expensive.
(d) Test and diagnostics
* Blood Test – $100 – up to $500
* MRI scan of – $1,500 – up to $5,000
* CT scan of – $1,200 – up to $4,000
* X-ray – $200 – up to $1,500
e) Cost of surgery and processor
In minor surgery – $5,000 – $15,000.
In Heart Surgery – $50,000 – $150,000.
Organ Transplant May – $100,000 – $500,000.
3. Health Insurance and its effect
(a) Spend without health insurance
* Patients without health insurance in the US have to raise the full cost of themselves, but it can be very expensive.
* For example, living a day in the U.S. hospital could cost more than $5,000.
(b) Cost with health insurance
* Insurance holder in the U.S. is covered by insurance company up to 50-90% of the cost.
* However, insurance plans also have co-payment and adductible many times in the U.S., that is why the patient has to repay themselves.
(c) Major Health Insurance Schemes
* Private Insurance: Blue Cross Blue Shield, Aetna, Cigna, UnitedHealthcare
* Government schemes: Medicare (for 65+ aged), Medicaid (for those with low income)
* Obama Care (ACA Plan): Cheap Health Insurance for Low Incomeers
4. How to reduce hospital cost without insurance?
(a) Financial Assistance Program
* Many large hospitals in the US provide discount as well as financial aid for needy patients.
* Patients in the US can also seek exemption by contacting the hospital directly.
(b) Medical Bill Negotiation
* Patients with no insurance in the US can get discounts by direct negotiation on their hospital bill.
* Some institutions also interact with patients to lower bills with the hospital. Click here
(c) Free and low-cost Cleanics
* Some Community Health Centers and Charity Hospitals in the US also provide cheap medical services.
(d) Payment Plan Option
* Patients in the U.S. can also take the option of payment in installments from hospital, this does not require you to pay a large amount at once. Hospital Cost in the USA
5. Hospital Cost in the USA vs other countries
India: The cost of living in a night hospital $50 – $500
UK: Free under NHS, private in $500 – $3,000
Canada: Free under government insurance, $1,000 in private – $5,000
Australia: Free or $500 – $3,500 under the government plan
Hospital costs in the U.S. are much higher than in other countries, especially without insurance.
* Hospital costs in the US are considered much higher than in other countries.
* Citizens from the US go to India or other countries for medical treatment, that is why they are called medical tourism.
Hospital Cost in the USA
6. Conclusion – The future of healthcare in the US
* Hospitals in the US are very high, and it becomes extremely difficult to get treatment for a normal person at a hospital without health insurance.
* The US government is implementing new policies to improve its country’s healthcare, but still in the US is much more expensive treatment than other countries.
• If you live in the US, it is mandatory to take health insurance so that you never have to face an economic crisis in the medical emergency situation. Hospital Cost in the USA