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Month: May 2024

You’ve covered your copayment; now brace yourself for the ‘facility fee’

You’ve covered your copayment; now brace yourself for the ‘facility fee’

Anna Claire Vollers | (TNS) Stateline.org

Even if you have health insurance, you might expect to be charged a copayment for some routine care, like office-based exams and consultations. But you probably don’t expect to receive a bill a few weeks later charging you an extra $100 or more.

That’s the situation an increasing number of state lawmakers are looking to change. In most states, a “hospital facility fee” can legally appear on your bill if your doctor is affiliated with a large hospital system — even if you never set foot on the hospital’s campus.

Traditionally, hospitals and health systems add facility fees to help cover the higher costs of operating a full-service, 24/7 hospital — which include expenses such as equipment, support staff, utilities, maintenance and security. They argue the fees help them provide critical services to everyone, regardless of their ability to pay.

But increasingly, hospitals are tacking on facility fees for routine services at the smaller clinics and outpatient centers they own, even when those facilities aren’t anywhere near the hospital’s campus. The fees can add anywhere from $15 to $100 or more to a medical bill. Patients have reported being charged out-of-hospital facility fees of $503 for a pediatric visit, $488 for an appointment to get ADHD medication, and $355 for steroid injections for arthritis. read more

How much does DoorDash pay? I tried delivering to find out

How much does DoorDash pay? I tried delivering to find out

By Tommy Tindall | NerdWallet

Looking to the gig economy to make some side money? If you’re considering delivery jobs, you’ve probably thought about DoorDash given its popularity. I’m Tommy, a NerdWallet personal finance writer, and I moonlighted as a DoorDash delivery driver for a week to find out if it’s worth it.

I worked in a suburb of Baltimore, used my own vehicle and delivered everything from burgers and tacos to poke bowls and auto parts. I chose to dash — the DoorDash term for a shift — on weekdays during lunchtime.

Here’s how I did:

  • I made $86 over the course of three dashes that totaled 6.5 hours.
  • I put 90 miles on my personal vehicle, a full-size pickup truck.
  • At an average rate of 17 mpg and with gas going for around $3.60 per gallon at the time, I racked up $19 in fuel expenses.
  • Subtract that from $86, and I earned $67 after expenses, or $10.31 per hour.

A part-time job in Maryland that pays the $15 basic minimum wage rate could be more lucrative but probably not as flexible. The average Dasher spends less than four hours a week on delivery, according to DoorDash’s internal data from 2022.

The ability to make money on the fly is the appeal of this side hustle, even if it’s just a few bucks. Here’s what I took away from the test. I also filmed my Dasher experience if you’d rather watch than read. read more