Updated Oct 1, 2019 8:22 PM EDT
Molly McKenna was in pain last January when her hips rushed to Baylor Scott and White clinic in Austin, Texas
"Your ovary is a big hemorrhaging mess right now. We have to take that out," McKenna said.
One of her ovaries was twisting inward, cutting off the blood supply.
"It just got to the point where I could barely breathe," McKenna said.
She was transferred by ambulance to larger Baylor Scott & White hospital for surgery. At each stop, the staff took her private insurance card. A few weeks later, she was told about her treatment was out of network. She owed more than $ 40,000.
"I remember crying. I was very upset," McKenna said.
McKenna is just one of the over 600 people. CBS News has heard from our Medical Price.
Insurance broker Lora Everist, who sold McKenna insurance, said paying cash would have been cheaper.
"Nobody gave his option to pay cash or self-pay," Everist said.
Everist said McKenna's insurance paid over $ 6,000 for the surgery. McKenna negotiated a few bills down, but Baylor Scott & White still wants $ 27,000 more.
"Because there is no guideline. There is no transparency. They can charge whatever they want," Everist said.
Baylor Scott & White responded, saying its facility charges are lower than other acute care hospitals in the region. But this case shows what they call an "opportunity for improvement," and they now will be contacting McKenna to work toward solving her problem.
What should you do in an emergency?
There are a few things to patients when faced with a medical emergency. First, find out now which hospitals are close to you that are in your network. Next, if it's not a life-threatening emergency, consider a cheaper walk-in or urgent care center. If you are not a doctor, you need to take care of yourself.
No health care costs too many people get surprise medical bills for thousands of dollars. In a new series, "Medical Price Roulette," CBS News will explore the reasons, and we're collaborating with journalists at Clear HealthCosts to bring transparency to health care markets.
We'd like to know what you paid for medical procedures. [email protected].and learn how you can search ClearHealthCosts' database of prices in our sample markets. You can also email us at
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