Set Wrist Sports
How much would getting a cast cost me in the US with and without insurance?
I’m a US citizen studying in Canada. Sunday, I fractured my wrist playing football. I saw a sports medicine doctor on Monday, who sent me for x-rays and informed me I had a fracture. He told me to go to the hospital to get a proper cast. The fracture clinic there had closed for the day so I went to the ER, where they wrapped me up and took another x-ray. I saw an orthopedic specialist this morning who set my fracture (ideally I should have come in immediately after the incident and had it set then), after which they took another set of x-rays to check if the setting worked. The prognosis is good. I didn’t pay a cent in all this, as I’m covered under the University Health Insurance Plan, which all international students in Ontario get, as the Ontario Health Insurance Plan only covers residents, anything under OHIP is covered with UHIP. I’m curious, what would the cost have been had this happened in the US, with and without insurance?
Thank You
Ok you had 3 x-rays taken total.
You had 2 specialists; sports doctor and orthopedist
You went to the ER.
Bill for x-rays and the radiologist that read the x-rays x 3; Cost around $150 each for standard x-ray plus $75 for each radiologist.
Each specialist could charge an average of $150 to $300 each.
The ER would charge for the emergency room, plus a charge for the doctor that treated you. So both could run around $500 to $1,000 on average. Plus a few dollars for the cast;
Now it would depend on what type of insurance you have in the USA.
Lets say you have a $2,500 deductible and a 80/20 coinsurance, with the amount I calculated above at the maximum cost would be $2,275, so you would pay all out of pocket since it is less than the $2,500 deductible and you would be upset that your insurance did not pay anything.
Now if you have no insurance, some providers will give you a cash discount of say 25%, but in some cases if no insurance, they charge a lot more since an insurance company usually has a contract with the providers to a certain amount they will allow, so if no insurance they can charge the full amount.
Just think, you needed health care, you got it, and you don’t have to pay. And to think that the USA does not want health reform is a joke.
The Golf Fix: Backswing Wrist Set
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