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What if my parent got taken to ER after he wondering off when visiting an unfamiliar home. ER ran tests before we arrived and…nothing wrong. Do we still have to pay?

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I laughed when I read this. It's like the person that borrows money to buy a car, totals the car and then can't figure out why they have to pay the bank for a car they no longer have. Ya think?
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I have to pay all my medical bills whether there's something wrong with me or not. If I have a CT scan, for instance, my doctor is trying to find out IF something is wrong. I pay my plan co pay of $100 up front, regardless of the outcome. If I go to the ER, my co pay is $40, no matter what tests are run and even if NO tests are run.

Realize your parent is taking up time in the ER and that costs money.
Also realize a parent with dementia should never be left alone TO wander in the first place, and then no medical bills will be forthcoming.
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Medicare only pays 80% of what they consider reasonable. There will be a balance. If you have a good supplimental it may pay the 20% left. Mine doesn't. We have a co-pay. We always have a small balance. My husband just had basic cateract surgery. Was suppose to be paid in full by Medicare. Since we had not met our deductables, he owes $95. So please don't say Medicare will pay for it, they don't.

Dr bills $100, Medicare says $60 is reasonable and pays 80% of that, $48. 60-48 = $12 owed. The supplimental may pay that, they may not. It depends on your contract and if you have met your deductables for the year.
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swmckeown76 Jun 10, 2025
It depends on the Medicare supplement. I have a Plan G Medicare supplement, as did my lste husband who had frontotemporal degeneration. I got it for him during the window around age 65 when he could not be turned down for pre-existing conditions (very important in most states; otherwise the person is forced to take a Medicare "dis"Advantage plan instead). Like me, my late husband had to pay only the Part B deductible. Then, by law, if it's a Medicare-approved service, the supplement *has* to pay the 20% that Medicare doesn't pay, Plan N is less costly, but has co-pays. Depends on what you want and how much you're willing to pay,
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To clarify: did someone find your parent wandering outside and called 911 and your parent got taken to the ER without your permission, and they performed tests without your permission before you could get there to advocate for them? The problem is the medical staff had no idea your parent has dementia when s/he arrived by ambulance and so until you got there to explain, they had already ran tests. How long did it take you to get to the ER? How long was your parent there before you arrived? I think the medical staff can only wait so long before they assume someone is by themselves and therefore are compelled to move forward with testing and diagnosis. If your parent is on Medicare, they most likely will probably not see a bill (but may for the ambulance ride). If your parent is young enough to not yet be on Medicare, I think you will need to discuss this with the hospital, but ethically they should be paid for their testing and work.
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Yes, of course you still have to pay. The tests are necessary especially for elders. It’s great that they showed nothing wrong, so now you have baseline labs on your parent’s patient portal that will be important to compare future lab tests to.

His insurance will pay for it.
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Your parent is responsible for his own medical bills, not you. If he's over 65 and has Medicare, his Medicare insurance should pay. Or maybe not. You need to find out if he has it.

The problem here is that your parent has wandered. This is indicative of dementia. "Oh, but he not having dementia, he was just in an unfamiliar place!" Please note: He isn't safe alone now. With dementia, every place is unfamiliar when they start wandering. It will happen again and again. You need to plan for that.

"Who are you? Are you a doctor? I not listening to you!" No, I'm not a doctor but am caregiver for my 4th family dementia patient, my husband, after taking care of both dementia parents and another relative. My husband managed to get out of our (I thought safely) locked home and ended up in a hospital as a John Doe. I never dreamed he could undo the safety locks or evade the alarms. He could have been killed on the busy highway he wandered on. He now lives in a memory care facility.

It's up to you to take your parent's wandering seriously. Please do all you can to keep him safe.
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Your parent received medical care including tests to rule in or out important issues. That’s expected and worth paying for, it wasn’t free, it cost the hospital and the staff time, skills, supplies, and use of equipment
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