US EditionHe had short-term health insurance. His colonoscopy bill: $7,000.
- Tim Winard chose short-term health insurance instead of an Affordable Care Act plan, fearing higher costs, and later incurred a bill for $10,723.19 for a colonoscopy, leading to an out-of-pocket cost of $7,226.71 after insurance adjustments.
- Winard's short-term insurance plan included a $1,000 daily benefit cap, which he originally misunderstood, leading to unexpected high out-of-pocket costs.
- Short-Term insurance plans have lower premiums but can have caps on coverage and are not required to follow Affordable Care Act rules, leading to unexpected expenses for consumers like Winard.
- Cynthia Cox stated that short-term plans can deny coverage for preexisting conditions and offer fewer essential benefits.
5 Articles
5 Articles
'Junk insurance': Patient shocked by $7k colonoscopy bill despite coverage
Tim Winard knew he needed to buy health insurance when he left his management job in manufacturing to launch his own business. It was the first time he had shopped around for coverage, searching for a plan that would cover him and his wife, who was also between jobs at the time. “We were so nervous about not being on a company-provided plan,” Winard said. After speaking with an insurance agent, he decided against enrolling in an Affordable Ca…
He had short-term health insurance — but his colonoscopy bill was still $7,000
Tim Winard knew he needed to buy health insurance when he left his management job in manufacturing to launch his own business. It was the first time he had shopped around for coverage, searching for a plan that would cover him and his wife, who was also between jobs at the time.“We were so nervous about not being on a company-provided plan,” Winard said.After speaking with an insurance agent, he decided against enrolling in an Affordable Care Ac…
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