In need of help/advice - college student

[stupidmistake]

Desperate for help! This past weekend I went overboard with drinking and ended up going to the emergency room. I was admitted into the ER around 12:45, and they let me go a few hours later. I woke up the next day and looked at the medical record. They didn't perform any tests on me that night but I knew their would be some fee for going to the ER. I called the hospital and they said my bill is $842 not including the physician's fee. I am covered under my parent's insurance plan and now I am terrified about them finding out. We are from the middle east and they are very conservative. I talked with the insurance company to have them send the bill to my dorm. I am getting a job and I am sure I can get enough money for the copay which may be around $250. Is there a chance they will find out later on? Do insurance companies send out recorRAB every year? Will their premiums rise for my ER visit? thanks for the help.

Please don't tell me I should just come clean with my parents. It just can't happen. They are also very old I don't want to place any stress on them.

I know what I did was wrong and I shouldn't have let people pressure me into it. But please I need help.

*Please I don't want you to think I'm a crazy party person. I am a responsible student. I hope you can at least sympathize.

 

[Searchin]

The ER can not divulge your medical status. I mean they can not tell your parents what you were in the ER for. Unless they send an itemized bill to your parents house they won't know why you were in the ER. Please do not drink so much you could die. I od from alcohol when I was 26 and almost died. It is not other peoples body, it is yours! I do have sympathy but please take care--you can really damage your organs with binge drinking--I know from experience. I do not know if the premium will go up but I really doubt it. I think it is good that you are paying this bill. I am sure your parents know you are not a perfect angel! Good Luck!! Sincerely, searchin

 

[ibake&pray]

The HIPPA law prohibts anyone else from knowing your medical history unless you give them permission to see it. That being said, drinking like that was really in poor judgement. You are lucky you didn't end up in jail, or really ,really sick.. I can understand your reasoning, but lying to your parents isn't the best idea either. Do you think that they won't find out sooner or later? Being a mother of two now grown boys, I can tell you I wasn't stupid. Parents aren't durab. They will know something is wrong when you talk to them or start avoiding their calls. Reconsider that thought, 'K? In the mean time you need to stay clear of heavy drinking. IF you don't trust yourself to say no, don't go! Find something else to do without the booze. I had two relatives die from alcohol abuse-it isn't pretty. I wouldn't want the same for you.

I don't know about the insurance rates, but usually you get a statement from the insrance co. when you have used the insurance-your copany may or mayy not. They are all differnent. Good luck.