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Re: Applying for charity care for Jersey City Medical Center emergency bill
#1
Home away from home
Home away from home


Quote:

my2cents wrote:
I have bittersweet feelings on the concept of charity care.

Yes, I feel its our moral obligation to help those in such emergency circumstances that may not afford and should never ever be turned away.

At the same time, there is something definitely wrong with our medical system when ER visits can end up being in the thousands or tens of thousands of dollars....

If the hospitals didn't charge such a grossly inflated amount and were better able to control costs, people like Elissa22 may not possibly need charity care. This entire process is circular. Also, I can just imagine how much money must be wasted administrating charity care office and process where if costs were a lot lower, they may not need such help.

Curious what people think on this topic.


Honestly - aside from most doctors and nurses - I think it's a sharkfest top to bottom. It's been funded in a large part through public ignorance - platinum healthcare plans for public employees - and private sector employees who don't care until the s*%t hits the fan. Big Pharma makes huge monopoly profits, care providers write themselves blank checks, lawyers make fortunes of malpractice suits and insurers have used Obamacare as an excuse to jack up premiums and deductibles. And there's little to no safety net for those that can't afford to pay.

Not sure what's the right answer - but it deserves the same kind of scrutiny given to Wall St in recent years.

Posted on: Yesterday 22:25
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Re: Applying for charity care for Jersey City Medical Center emergency bill
#2
Newbie
Newbie


Kelcey!

Thank you from the bottom of my heart for such a detailed response & all your advice. Since you went to JCMC as well, do you mind answering a few questions in regards to your response? I called up JCMC after reading your response with the following questions & they told me to consult their charity care office for responses.

1.Is there a difference between complete medical record and the itemized bill? If yes, then how so?

2.Where did you get both these records from? Except for bills (stating only I owe X amount), I have gotten nothing else in mail, email or the JCMC online account).

3.Where can I request my complete medical record and itemized bill from?

4.Do you know any particularly helpful people at the charity care center that I should go to? Or any people I should avoid?

5.Where did you find out about your rights? Any online info, resources, people, departments that you used during your experience?

You're right about the separate bills. I have gotten 2 separate bills with just the amount owed and nothing else on there. A total of 4 bills for my 2 accidents requiring ER care.

Please please please share whatever you might feel will be helpful to me. I feel ill-equipped & scared in fighting persistently for my case. But I'm going to listen to your advice & do everything step by step at a time. Gather all my documents, study my rights, read & understand as much as I can before the beginning of the real work (dealing with different people, being shuffled around etc).

Once again, thank you so much Kelcey! I appreciate this a lot.










Posted on: Yesterday 22:07
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Re: Applying for charity care for Jersey City Medical Center emergency bill
#3
Newbie
Newbie


I have bittersweet feelings on the concept of charity care.

Yes, I feel its our moral obligation to help those in such emergency circumstances that may not afford and should never ever be turned away.

At the same time, there is something definitely wrong with our medical system when ER visits can end up being in the thousands or tens of thousands of dollars....

If the hospitals didn't charge such a grossly inflated amount and were better able to control costs, people like Elissa22 may not possibly need charity care. This entire process is circular. Also, I can just imagine how much money must be wasted administrating charity care office and process where if costs were a lot lower, they may not need such help.

Curious what people think on this topic.

Posted on: Yesterday 21:00
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Re: Smoke Damage to Rental Apartment
#4
Home away from home
Home away from home


The building is owned by an individual in Queens who set up an LLC and hired a property management company to run all 8 of the apartments.

Keep the advise coming, thanks Scrappe for the post.

Posted on: Yesterday 21:00
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Re: Applying for charity care for Jersey City Medical Center emergency bill
#5
Home away from home
Home away from home


It's been many years (2007-2008 between the stay and resolving the bill--16 months altogether), but I had a very positive experience with them.

I was in JCMC with grad student health insurance for 9 days ($65K, not including the doctors who bill separately). That particular year, I was the sole source of income between my husband and myself ($18K/year grad stipend). My part of the bill was $12k after insurance. LOLOLOLOL

I had to gather up my banking account statements as of the date of admittance as well as paystubs. I also read as much as I could about NJ charity care. And apparently knew more than the folks in that office.

My husband happened to have gotten one paycheck for $1K the week I went into the hospital (mid April)--literally the first money he had earned since early July the year before. They first were like "ok, multiply that by 52 and we estimate that he makes $52K a year." Fortunately, I'd read the law (not sure if it's changed) and knew they had to look at three methods to estimate income and take the lowest (which still overestimated for us, but was much, much closer).

First, I recommend getting a copy of your medical record. Mine was full of complete bullshit, which I assume had to do with them trying to justify a nine day stay (e.g., the admitting letter says that I was basically bleeding from every orifice...whaaa?!?!).

Second, I recommend getting an itemized copy of the bill. Not the "you owe $X" but the line by line charges.

Third, I recommend comparing your medical record against the itemized bill. I found thousands of dollars of charges for procedures that had not been ordered or done. I brought these to the attention of both my insurer and the billing office. Insurance went ahead and paid their part of the whole bill (#OOPS# them for making it harder for me to dispute!). Billing office saw my annotated copy of the medical record ("exhibit A", etc) and were like "hmmm....your copy of the medical record doesn't look like ours." To which I said, "If you changed my medical record in response to me bringing the errors to your attention you have violated so many laws..." "Yeah, we're going to go with what you have." The billing office ended up subtracting the cost of the procedures from my bill (i.e., not reimbursing the insurance company...I don't care, bc #OOPS# them!). I was sent a handwritten note (not dated or signed) that said my new balance was $5K and to see the charity care office. No joke. Seriously bizarre.

Fourth, go see them in person. The charity care office folks were very pleasant, but it pays to be educated about your rights, the law, etc. You will have to show them your income and assets. I also got letters from both of our graduate schools confirming our full time attendance, any employment, etc. My situation was fairly unusual (e.g., that pesky paycheck my husband got). They didn't really know what to do so eventually said "we're just going to make your husband unemployed and then you'll qualify for full coverage." I was literally prepared to write a check from the student loan I'd just received and thought we'd end up owing $3K. They just ended up erasing the whole thing.

Of course, someone forgot to hit the enter button or something. So I got a collections notice many months later (after receiving no other communication). I just went back in and showed the manager (who'd approved the whole thing) her signed card thingy that showed the final outcome of my case. She took care of it, and it's been totally clear ever since.

tl; dr: The hospital billing and charity care office are staffed with generally nice folks who commit fraud left and right. Know your rights. Know the law. Advocate for yourself. When all else fails, work out a payment plan to avoid having your visit destroy your credit. Also, be prepared to get separate bills for the nursing staff and doctors.

Posted on: Yesterday 20:56
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Re: Smoke Damage to Rental Apartment
#6
Quite a regular
Quite a regular


If you are halfway comfortable processing a claim avoid this adjusters. They just want s cut of your claim. Call your insurance company tomorrow morning and find out their process. Sound like you did the right things by taking pics and alerting them. I'd avoid hiring anyone at this point, just easier to run it through your insurance. Obviously notify the owners of the unit, because your insurance probably only covers your personal items. The owner's insurance may be able to cover your own items, avoiding a deductible, but I'm not 100% sure about that. Smoke damage sucks though, good luck.

Posted on: Yesterday 20:51
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Smoke Damage to Rental Apartment
#7
Home away from home
Home away from home


I have renters insurance. There was a fire in the apartment below me on Saturday late morning. The smoke got into my apartment and caused smoke damage. Took photos of everything, including the apartment below.

I called my renters insurance company immediately after the fire and they gave me a claim number and an agent's phone number. I called the agent Saturday and Sunday leaving a voice message.

Anyone been through this. There were adjusters lining up handing out business cards…..A restoration company who put in air scrubbing machines did a sales pitch to me today saying they'll clean everything in my apartment and then bill the insurance company…

Please advise !! Thanks everyone.

Posted on: Yesterday 20:45
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Re: Fox & Crow?
#8
Quite a regular
Quite a regular


Was there last night. Nice space. Still a soft opening, thus limited menu but their two signature cocktails were great, as was the service and decor.

Posted on: Yesterday 20:21
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Re: What's going there?
#9
Home away from home
Home away from home


Quote:

jcman420 wrote:
That old abandoned gas station/ auto garage on Newark Ave. at Fifth St. (across the street from the White Eagle Hall) has been demolished and looks to be undergoing an environmental remediation. Anyone know the plans for this property?
probably a fab new condo building with a whole foods and starbucks on the ground floor

Posted on: Yesterday 19:22
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Re: Christie bars NJ media cuz he's got POTUS ambitions
#10
Home away from home
Home away from home


Quote:

Pebble wrote:
Quote:

Monroe wrote:
Pebs, honey, the reason you don't see the bias-is because you agree with them. You can attribute the success of cable TV news to people wanting to hear something beyond partisan news on the broadcast channels. And the response on cable by the likes of MSNBC has failed, although some of the shows are highly amusing!

Just because it is said out-loud or written on a message board doesn't make it real. I suggest looking for the existence of unicorns as proof of this.

You've also proven my point. I have provided specific documented proof of where various news media outlets were complicit in pushing several right wing agendas. The reverse of this has never been demonstrated.


Sure.

A Measure of Media Bias
Media bias is real, finds UCLA political scientist

By the way, it's not a study, just "anecdotic evidence", but it's a fresh one, so - have you noticed just recently when the media was blasting Giuliani for questioning Obama's patriotism, how they in the most evenhanded way remembered how Obama called Bush "unpatriotic" few years ago? Yeah. Me neither.

Posted on: Yesterday 19:14
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Re: Menendez staffers dodging grand jury probe questioners
#11
Home away from home
Home away from home


Am surprised he was riding on the Epstein plane rides with the Prince, the ex-prez and scores of underage prostitutes.

Posted on: Yesterday 19:11
Top


Re: Applying for charity care for Jersey City Medical Center emergency bill
#12
Newbie
Newbie


This says, applicants have upto 1 year from date of service to apply for charity care. Still, I would love to hear from other people how much charity care covered etc.

http://www.state.nj.us/health/charity ... ritycare_factsheet_en.pdf

Posted on: Yesterday 18:47
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Re: 49 school trailers in use at Jersey City Public Schools
#13
Home away from home
Home away from home


Quote:

fat-ass-bike wrote:
Its not rocket science - If you increase housing via gentrification and build multi level, inner city, high density apartments it will increase the student population as well - Our city planners and previous Mayors are all guilty of being puppets for developers. It makes sense when there is a low voting turn-out, because your vote counts for nothing when city administrators via the Mayor, do only what and for, the ones that put campaign money in their pockets.


The City planners and municipal government have little to no control over the budget for school buildings. Even the school board's hands are tied by the state - funding is handled by the NJSDA. Blame lies at the state level - and the state budget is an increasing mess. Kids being taught out of trailers, and JCMC funding cuts will continue while the state has not enough revenue to fund obligations like public pensions and debt servicing.

Given the fragmented way public education is funded and managed, it's not far from being rocket science.

http://www.njsda.gov/Schools/schools/ ... sults.asp?districtid=2390

Posted on: Yesterday 18:46
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Re: 49 school trailers in use at Jersey City Public Schools
#14
Home away from home
Home away from home


Its not rocket science - If you increase housing via gentrification and build multi level, inner city, high density apartments it will increase the student population as well - Our city planners and previous Mayors are all guilty of being puppets for developers. It makes sense when there is a low voting turn-out, because your vote counts for nothing when city administrators via the Mayor, do only what and for, the ones that put campaign money in their pockets.

Posted on: Yesterday 17:34
My humor is for the silent blue collar majority - If my posts offend, slander or you deem inappropriate and seek deletion, contact the webmaster for jurisdiction.
Top


Applying for charity care for Jersey City Medical Center emergency bill
#15
Newbie
Newbie


Has anyone dealt with charity care office (financial counseling office) located at 953 Garfield Ave? Did they help you out with the bill?

I have 2 emergency medical bills from JCMC. I was under the impression my school's health insurance which is valid till August 2015 will take care of most of the bill. Turns out it will NOT cover it as I am not taking any classes this semester. Now that I can walk again, it's time for me to go to the financial counseling center to submit some documents. However, I see a hand written note that says submit documents within 10 days of service.

Is it too late for me to get any aid from the financial counseling center of JCMC?

I will call them tomorrow as well, but I wanted to find out if anyone had any experiences with them.

Posted on: Yesterday 16:57
Top


Re: Fulop headlining Sussex Democrats’ ‘winter gala’
#16
Home away from home
Home away from home


Quote:

Stringer wrote:

Fulop headlining Sussex Democrats’ ‘winter gala’

New Jersey Herald

Feb 28, 2015 11:14 PM EST

Jersey City Mayor Steve Fulop, widely seen as a possible Democratic candidate for governor in 2017, will be making a visit to Sussex County.

Fulop is the star attraction at the Sussex County Democratic Committee's “winter gala” on March 7. The $75-per-ticket event will be held at the Farmstead Golf and Country Club in Andover Township.

Fulop, 38, is in his second year as mayor. He is the latest in a long line of Democrats with presumed statewide ambitions to take an interest in Sussex County despite Republicans having more than a 2-to-1 edge in voter registration.

Read more:  http://www.njherald.com/story/2823019 ... sex-democrats-winter-gala



THERE'S DEMOCRATS IN SUSSEX!!!!!!

While you are up there, mayor, say hello to the Ingenitos, Hunters, Rosendales, Klemms, Baginskis, Castimores, etc.

Posted on: Yesterday 16:44
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Re: What's going there?
#17
Home away from home
Home away from home


That old abandoned gas station/ auto garage on Newark Ave. at Fifth St. (across the street from the White Eagle Hall) has been demolished and looks to be undergoing an environmental remediation. Anyone know the plans for this property?

Posted on: Yesterday 15:30
Top


Re: Orange and Olive Catering on Central Avenue??Am I dreaming???
#18
Home away from home
Home away from home


Quote:


And there's a big difference between saying hello to a new business and being a "Central Ave regular" as I put it earlier. Hopefully you're able to decipher that.



No, could you clarify please?

Posted on: Yesterday 15:27
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Re: Orange and Olive Catering on Central Avenue??Am I dreaming???
#19
Home away from home
Home away from home


Besides, you reserve and pay in advance-and the dinner begins at over $130 . . .

Posted on: Yesterday 14:37
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Re: 49 school trailers in use at Jersey City Public Schools
#20
Home away from home
Home away from home


New elementary school being built next to the Reservoir between Central and Summit. I wonder how this added capacity will affect the reliance trailers.

Posted on: Yesterday 14:36
Top


Re: Orange and Olive Catering on Central Avenue??Am I dreaming???
#21
Home away from home
Home away from home


Quote:

blanquiita wrote:
If I were to walk in, wanting to check out a new establishment, only to be told I had to leave I'd probably never return.



Jeez, don't get your panties in a bunch.

Yes, you would be told to leave because when the place is actually "open" it is for a private event. They don't do sit-down restaurant-style dinners. You'd never go back not because you're angry at the business but instead because there is nothing for you to go back for.

And there's a big difference between saying hello to a new business and being a "Central Ave regular" as I put it earlier. Hopefully you're able to decipher that.

We've got a truly legit business run by some very hardworking and dedicated staff who actually WORK and LIVE in the Heights and some of you still find something to complain about.

Posted on: Yesterday 14:33
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Re: Orange and Olive Catering on Central Avenue??Am I dreaming???
#22
Home away from home
Home away from home


Quote:

blanquiita wrote:
Quote:

jmiz wrote:


re: frosted windows. I went for one private event. People off the street kept coming in. It wasn't a big problem for me, because I was only there for a few hours, but when your kitchen is the front of the house, it must get old to stop what you're doing to explain to the Central Ave regulars that they can't come in.


Makes you wonder why they set up shop in a shopping area with such high foot traffic. It doesn't sound very inviting. If I were to walk in, wanting to check out a new establishment, only to be told I had to leave I'd probably never return.



They don't do walk-ins, you reserve ahead for a 10-12 course tasting dinner only.

Posted on: Yesterday 14:23
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Re: HELP! Where can I print something in DTJC on a Saturday?
#23
Newbie
Newbie


Hey Meltedopsicle! I didn't get anything in my inbox.

Posted on: Yesterday 14:06
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Re: HELP! Where can I print something in DTJC on a Saturday?
#24
Not too shy to talk
Not too shy to talk


Sent you a PM - I clicked save to my outbox but it doesn't seem to have saved. Let me know if you didn't get it.

Posted on: Yesterday 13:52
Top


Re: Orange and Olive Catering on Central Avenue??Am I dreaming???
#25
Home away from home
Home away from home


Quote:

jmiz wrote:


re: frosted windows. I went for one private event. People off the street kept coming in. It wasn't a big problem for me, because I was only there for a few hours, but when your kitchen is the front of the house, it must get old to stop what you're doing to explain to the Central Ave regulars that they can't come in.


Makes you wonder why they set up shop in a shopping area with such high foot traffic. It doesn't sound very inviting. If I were to walk in, wanting to check out a new establishment, only to be told I had to leave I'd probably never return.


Posted on: Yesterday 13:31
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Re: FREE Pictures with the Easter Bunny!
#26
Newbie
Newbie


Click on the Facebook link.

WORD Jersey City
March 28 10-12

Posted on: Yesterday 12:58
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Re: FREE Pictures with the Easter Bunny!
#27
Home away from home
Home away from home


When?
Where?
What time?

Posted on: Yesterday 12:06
Top


Re: HELP! Where can I print something in DTJC on a Saturday?
#28
Newbie
Newbie


Hey meltedopsicle!

Thanks for giving me the details. I do need to print stuff quite often so it's good to know about the all the options with their details.

Do you mind telling me the place where you get discounts for big printing jobs? I just found out about Sky Printing LLC on Montgomery street that does bulk printing as well. (min $30 job). In the email, they said they're open to street traffic from 6 am - noon. Am still waiting for her to get back to me about the printing rates.


Posted on: Yesterday 11:40
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Pecoraro Bakery no longer bakes on premises
#29
Just can't stay away
Just can't stay away


It seems they've changed hands since my last visit (which was some time ago) and they no longer use their coal-fired oven, but instead bake elsewhere (the person was new and had no idea if coal fired oven were used or where exactly they were baked but did say the owner also owns Antique bakery in Hoboken).

2nd street bakery does still use coal, but they don't have many breads. Wondering if there are any coal oven bread bakeries left in the area? In Hoboken Marie's oven was knocked down for condos, Dom's is rumored to now use a combo of coal and gas (though I don't know for sure).

Coal baking provides a specific texture that can't be replicated with gas.

Posted on: Yesterday 11:24
Top


Re: 49 school trailers in use at Jersey City Public Schools
#30
Home away from home
Home away from home


Quote:

heights wrote:
Perhaps eminent domain or use vacant buildings or lots to house the classes.


There isn't too much vacant up by me. Closest thing I can think of is a small lot on Rt 139. Lots of tear-downs and new construction going on though.

Posted on: Yesterday 10:31
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