The Cost of Playing it Safe

As you may recall about a month ago we took our daughter to the ER after she took a spill and landed on her head.  The on call Doctor said to bring her to the ER ‘just to be safe.’  It was hard to argue with that advice so we rushed to the hospital to have her checked out.

Upon arriving she was half asleep, but we couldn’t be sure if it was from the fall or just because she was tired and in the car.  Not long after getting situated inside she more or less returned to her normal self.  Running around, smiling, talking up a storm and charming everyone in sight.  But we’d already started this process so we had to see it through.

They took her to get a CT scan…ever try to get a 2 year-old to lie still inside a big scary looking machine that’s humming like an aircraft carrier?  The tech appeared annoyed very time she moved her head even the slightest bit.  I understand I guess, but really?

Scan came back fine and we were on our way.

Yesterday we saw the bill from the hospital.  Do you have any idea how much it costs ‘just to be safe?’

The 2 hour visit was just shy of $2000 and the CT scan alone was $1500.  At the time we were covered under COBRA and now we’re on a regular health insurance plan (through the same hospital no less).  I can’t imagine what parents without health insurance would do in this situation, knowing that it costs a small fortune ‘just to be safe.’

Sure you break a leg or lose a finger and you need to go to the ER, that’s a pretty easy decision to make.  This is less tangible somehow.  We could have just gone home and kept an eye on her for a couple of days, but what if…

A parent should never have to make a decision like this when it comes to the health and safety of their child.  I don’t know what the solution is and I don’t want to get into a heated political debate, but something has to change.



About J

I am a happily married Father of three living in Westchester County New York.
This entry was posted in Kids, rant and tagged , , , , , . Bookmark the permalink.

3 Responses to The Cost of Playing it Safe

  1. ryoko861 says:

    Imagine if there was something wrong, and you had to keep her over night, a week, a month?

    Be happy you had insurance, even if it was COBRA. My son was in a serious auto accident. The trauma bill alone was just over a 1/4 million. My insurance paid just about all of it. I think we’re left with like $1200 or something to pay. No problem. It’s not a quarter million at least.
    MRI’s, CAT scans, x-rays….UN-F**KING BELIEVABLE! Again, insurance was there and then some.

    NHS isn’t a free ride. I know of at least two people that are all gun-ho about it. Hey, free is for me, but it’s not always what it seems. It has it’s MAJOR drawbacks. I’ll take my insurance company any day over NHS.

    I’m glad that your little girl was ok. It’s always a stressful event when they get hurt like that! It’s all part of being a parent! That’s why you have insurance.

    • kiscodad says:

      My wife works in the hospital and every day I hear stories about patients who have been there for weeks if not months with no chance of ever getting ‘better.’ Their bills are beyond comprehension. What does a ‘normal’ person do when faced with a bill like yours or worse without insurance?

  2. raychel says:

    I’ve gone through the nightmare of not having insurance, my daughter needed 2 stitches, she was 5 I just finished paying it off (she’s 13 now) we have insurance now thankfully, (tricare) starting in Feb we’ll have to start paying for it every month since Hubby will be retired Army, the cost will be worth it though compared to what we’d have to pay if we had no insurance.
    Had it been one of us we would’ve gone home, but with our kids it’s always better to be safe than sorry…

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