May 28, 2024

Question of the Day: How much does an average overnight hospital stay cost?

A broken wrist without insurance can cost you an arm and a leg!


Answer: About $11,700. 


  • Even though the total cost of an uninsured hospital stay is lower, why would it actually end up costing more than an insured hospital stay?
  • Why do the costs differ so much depending on what type of insurance a patient has?
  • Do you think it's a good idea to save money by not paying for health insurance? Explain why or why not.


Here's the ready-to-go slides for this Question of the Day that you can use in your classroom. 


Behind the numbers (PeopleKeep):

"Let’s look at a few common factors that can affect how much you pay out-of-pocket:

  • Where you live: Your state, ZIP code, cost of living, and availability of doctors and insurers in your area all affect your cost.
  • What insurance you have: Your insurance company will often negotiate lower prices for you, so uninsured patients are left to negotiate on their own.
  • Which network you’re in: Make sure your doctor and hospital are in your network. In some cases, you won’t get the same negotiated discounts or be able to apply the cost toward your deductible if you’re out of network.
  • Who your provider is: Specialists have a unique skill set, so they generally charge more than a primary care facility.
  • Where you go: Different facilities charge more or less. Hospitals are more expensive than ambulatory surgical centers, while urgent care and physician’s offices are less costly.
  • How you negotiate: If you can’t pay the full price of your hospital bill, you may be able to negotiate a lower price that’s more affordable."
Looking for a way to help your students plan for adversity? Check out NGPF's Insurance unit!
The Bummer! game is a great way to give students an opportunity to make decisions based around insurance and see the outcomes!

About the Author

Ryan Wood

Ryan grew up with and maintains a love for learning. He graduated from the University of Wisconsin-Green Bay with a degree in Business Administration and worked in sports marketing for a number of years. After living in Texas, Colorado, Tennessee, and Minnesota, the call of education eventually brought Ryan back to his home state of Wisconsin where he was a Business and Marketing teacher for three years. In his free time he likes to spend time with his wife and daughter, play basketball, read, and go fishing. Now with NGPF, Ryan is excited to help teachers lead the most important course their students will ever take.

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