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When I get an insurance EOB (explanation of benefits) for a recent hospital stay by my DW showing a hospital charge of $15,000+ and the insurance payment of $1,500 as payment in full, I have to wonder! Are the hospitals padding the charges, knowing insurance companies will discount the final bill anyway? Are the hospitals using those patients without insurance to subsidize those that have insurance? I can understand deisounts of 25%, maybe even 35%, but 90% smacks of some funny business. Am I alone in this thinking?

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