"How many days in the hospital's intensive care unit (ICU) do you have enough money saved up right now?"
It's the enduring trending topic that's been viewed 250w+ times. When a loved one is lying in the ICU, there are expensive treatments on one side, and hope for a loved one's life on the other."To treat, or not to treat?"
Who can make a decisive choice?What's the point of having to pay for a medical insurance policy that will reimburse you for your medical expenses?
Today we will talk to you about the ICU medical insurance reimbursement ratio, ICU how much a day? Let everyone have a bottom in mind.
What does ICU mean?
ICU, full name of the intensive care unit, is the hospital medical equipment, medical level, medical drugs, the most high-end place, known as the "patient's last hope". The patients admitted here are usually those who have had major surgery, need cardiopulmonary resuscitation, or have serious physical trauma or organ damage. When a patient enters the ICU, it means that the illness is very serious. In the ICU, there are specialized instruments to monitor the patient's breathing, etc., and the medical staff are among the best in their profession. In the meantime, we should consider that high-end medical equipment often comes with high costs.How much does an ICU cost per day?
Currently, a day in a tertiary hospital in the ICU costs around 10,000 dollars. Why is it so expensive? I listed the price of the top ten life-saving ICU devices, read it to find out. How much does ICU cost a day? You may think that $1/hour or $10/hour is not expensive, but when you add in money-burning artifacts such as blood filters or ventilators, you'll find that a day's worth of money is like running water.1. Ventilator
Ventilators are commonly used for respiratory failure, anesthesia respiratory management during major surgeries, respiratory support therapy, and emergency resuscitation, and are one of the most common instruments used in ICUs. It costs about $300 a day for endotracheal intubation, $350 for ventilator tubing, $550 for ventilator application and monitoring, and $250 for related care and suctioning.2. ECMO
ECMO full name "artificial extracorporeal membrane oxygenation", that is, "artificial lung" and "artificial heart", the role is very powerful. "ECMO is a very powerful tool.
As of today, ECMO has saved countless patients, but it is very expensive. ECMO, which costs $60,000 to turn on, also costs about $1,000 a day.3. Hemofiltration machine
Hemofiltration machine is also called "artificial kidney", which can accurately control the amount of liquid out of the patient, quickly adjust the internal environment of the patient, but also do plasma replacement, is a very representative of the ICU treatment of the magic weapon. Its price is not something that the average person can afford, with a cost of $8,000 for the first day and $7,000 per day thereafter, which can be considered a black hole for money. There are more medical devices in the ICU than just the ones above, and each one has a different role to play. But they all have one ****ing thing in common, and that's that the price is not something the average person can afford.ICU ward medical insurance reimbursement rate
Of course, ICU ward costs are not all borne by the patient, the medical insurance will also bear part of the ICU ward medical insurance reimbursement rate how? Whether it's an ICU or a general ward, the reimbursement and percentage of medical expenses are limited to the three major catalogs of health insurance.The three main catalogs of the health insurance are: drug catalog, diagnosis and treatment catalog, and service catalog.
Understanding the rules of reimbursement: What is reimbursed by the health insurance? What's not covered? How much is reimbursed? The answer is ...... Take the Guangdong Provincial Healthcare Catalog as an example: Because medication and treatment varies greatly from patient to patient and region to region, it's impossible to estimate the reimbursement rate, but the number of items that can be reimbursed is very small. For example, a patient admitted to the ICU with heart failure needs to pay $100,000 out of pocket for a pacemaker, but the health insurance can only reimburse $50,000, and the remaining $50,000 will have to be paid out of pocket.The drugs used in the ICU are usually expensive new drugs or Class C drugs, which are not reimbursed by Medicare.
Medicare reimbursement rates for ICU rooms
Unlike Medicare, Medicare reimburses all "reasonable and necessary" expenses. For example, Beyond Insurance 2020 not only reimburses for ECMO, but also covers the cost of imported medications, out-of-hospital specialty medications, and proton heavy ion treatments. For some drugs that are not available in the hospital, there is no need to spend extra money, Beyond Insurance 2020 Million Dollar Medical Insurance can take care of it for you.Written in conclusion
No one wants to go to the hospital, no one likes to be sick, and no one likes the ICU, but illness doesn't stop coming to you just because you don't like it. The ICU is a test of humanity, "When your next of kin lies in the ICU, do you treat, or do you not treat?" Treatment hitching a ride on a family's future and not treating it leaves a lifetime of regrets. Although medical insurance can partially reimburse, but the ICU ward medical insurance reimbursement rate and program is low and few, really can not solve the problem. Hopefully, commercial insurance will allow you to face the ICU, you can decisively say: "treatment"!