This is a hot topic on the internet, and the best answer is only three letters: I-C-UC-U.
ICU is an "intensive care unit", also known as the last line of defense between patients and death.
For ordinary families, on the one hand, it is the last hope of their loved ones, on the other hand, it is expensive bills.
"Cure or not?" It is never a simple multiple-choice question.
Today, I want to show you about ICU. The main contents are as follows:
What kind of existence is ICU? How much does ICU treatment cost? Can ICU expenses be reimbursed?
First, you don't know the ICU ward ... My doctor friend once said an experience that made her burst into tears:
A 23-year-old boy was treated in ICU for 6 months. Because he didn't wait for a suitable kidney, he spent all the money borrowed from home and was forced to give up treatment.
When the medical staff slowly pulled out the tube, the patient's breathing also weakened a little. Finally, this 23-year-old life has finished the last journey in ICU.
"I want to help them, but there is really nothing I can do."
There have been many miracles in ICU, but it is normal that people and money are empty.
For most people, ICU is a strange existence.
On the one hand, ICU is the core of a hospital, with the most advanced equipment and the most professional medical team.
The medical staff working in it are described as "special forces". They struggle with death all the time and shoulder heavy responsibilities.
On the other hand, patients lying in ICU are often full of tubes, some are expressionless, some are unconscious, and some are in pain.
After all, both medicine and human beings have limitations, and ICU can't bring them back to life.
Second, how expensive are the top ten life-saving artifacts in ICU? ICU beds are vividly called "the most expensive beds in life". At present, the cost of staying in ICU in 3A hospitals is about 6.5438+0 million yuan.
So, why is ICU so expensive? I summarize the most common expenses as follows:
Draw a direct conclusion:
These devices can be used at the same time when treating critically ill patients. It seems that the unit price per hour is not expensive, but in the end it costs money like water.
Here I will focus on introducing several instruments to you:
1, ventilator
During the COVID-19 epidemic, a Spanish doctor was in tears and told the world what Madrid was going through:
"Old people over the age of 65 are forced to take off the ventilator, use sedatives to suppress pain, and wait quietly for death. Because there are several ventilators for younger people ... "
Ventilator is widely used in respiratory failure, anesthesia and respiratory management during major surgery, respiratory support therapy and emergency resuscitation, and is one of the most commonly used instruments in ICU.
Tracheal intubation around 300 yuan, ventilator 350 yuan, ventilator application and monitoring 550 yuan, related nursing and sputum aspiration 250 yuan.
The endotracheal intubation fee was collected on the first day, and then it was not collected.
2. Extracorporeal membrane oxygenation
The full name of extracorporeal membrane oxygenation is "artificial extracorporeal membrane oxygenation", and the core part is membrane lung and blood pump, which play the role of artificial lung and artificial heart respectively.
The myth of extracorporeal membrane oxygenation is circulating everywhere on the Internet:
/kloc-a 0/0-year-old girl suddenly had explosive myocarditis during recess, and then her heart stopped beating. After using extracorporeal membrane oxygenation 1 16 hours, he recovered his vital signs and was finally discharged healthy.
A 26-year-old healthy man went swimming after being drunk, choked on water and got severe pneumonia. Extracorporeal membrane oxygenation took 1 17 days and finally miraculously recovered.
During the period of H7N9 avian influenza, the patient had to go to extracorporeal membrane oxygenation due to serious lung infection, and persisted for 124 days, and finally recovered and was discharged. However, for patients, the price of extracorporeal membrane oxygenation is not close to the people. The start-up cost alone is 60 thousand, and the daily cost is about 1 000.
3. Blood filter
Many severe patients will have acute kidney injury, elevated creatinine, anuria and so on. At this time, a blood filter (commonly known as artificial kidney) will be used.
It can accurately control the patient's fluid output, quickly adjust the patient's internal environment, and can also do plasma exchange, which is one of the indispensable artifacts in ICU.
Of course, its disadvantage is still too expensive. 8000 on the first day, 7000 every day after that, and the use time is unpredictable. Can be said to be a bottomless pit.
In addition to the artifacts mentioned above, there are many black technologies in ICU.
The progress of technology provides more possibilities for treatment, but the cost behind it is not affordable for every family.
Third, the ICU sky-high bill, how much can insurance be reported? Insurance is not a necessity, but everyone who has been to ICU knows how important insurance is.
Insurance is divided into national medical insurance and commercial insurance, and their reimbursement is different.
1, how much can medical insurance be reported?
Almost everyone has medical insurance, whether it is ICU or general ward, the expenses are reimbursed according to the three categories of medical insurance.
The three major catalogues of medical insurance include: drug catalogue, diagnosis and treatment catalogue and service facilities catalogue.
I take Guangdong's diagnosis and treatment catalogue as an example:
Draw a direct conclusion:
Medical insurance will reimburse some medical expenses, but it is difficult to fully reimburse them, especially for some expensive treatments. It is basically impossible to reimburse 100%.
For example, patients admitted to ICU due to heart failure need to pay 654.38+10,000 yuan at their own expense to install pacemakers, but medical insurance can only reimburse 50,000 yuan, and the remaining 50,000 yuan has to be paid at their own expense.
In addition, in terms of medication, many special drugs and imported drugs commonly used in ICU are not reimbursed by medical insurance.
2. How much can I quote for commercial insurance?
Commercial medical insurance is an effective supplement to medical insurance, especially the "million medical insurance", which can claim 2-3 million yuan only for a few hundred dollars a year. In case of unfortunate entry into ICU, at least you don't have to worry about money.
As long as it is "reasonable and necessary", millions of medical insurance can be reported, such as the normal use of drugs in ICU, as well as the use of artificial lungs and artificial kidneys mentioned above.
But some expensive drugs may not be available in the hospital, and you may have to buy them outside. At this time, not all medical insurance can be reported.
As shown in the figure, the reimbursement of drugs purchased by insurance companies varies greatly (see details).
In addition, advance payment (detailed understanding) is also a very practical function. After all, not many families can come up with large amounts of cash. 3. Remember to apply for critical illness allowance.
When I watched some documentaries, I found that some doctors would take the initiative to apply for government subsidies for patients.
Later, I learned that many places have serious illness subsidy policies.
This kind of subsidy is mainly aimed at poor families, generally tens of thousands. Please consult the local civil affairs bureau for details.
In addition, there are some charitable foundations that can ask more questions and solve some urgent needs at critical moments.
Fourthly, it is written in the end that ICU is the place that can best reflect human nature, and "treatment or not" is a torture that goes deep into the soul.
Treatment, in addition to patients suffering great pain, high costs will crush most families at any time; If you die, giving up the last hope of your loved ones may leave a lifelong regret.
No one wants to enter the ICU, but in case of misfortune, I hope insurance can add courage to you.