Costs of Being Hospitalized

I just received a Medicare Summary Notice for Part B Medical Insurance from May 22 through August 21, 2020 or 3 months worth of activities that for me includes Physical Therapy and Hospitalization.

What I find interestingly curious about this summary is how much the hospital or doctor billed Medicare...  how much they approved...  and, how much they paid.  Of course, I still pay nothing because I also have supplemental insurance to cover what Medicare does not pay which still leaves me with an increasing amount of out-of-pocket expenses.

For example, my new medication of Xarelto will cost me $1/day even though my supplemental insurance is covering most of the costs...  if you take more than one pill in a higher tier then you are going to be paying.

The delivery of critical care in the ER of UT Hospital for ONE HOUR AND TEN MINUTES was billed out at $1726 but Medicare only approved $214 and only paid $172...

This leaves me wondering what non Medicare Insurance Companies do when it comes to being billed by Hospitals and Doctors.

It also leaves me wondering if Doctors in ER's do procedures because they need to or because they want more money?

For example, when I was in the ER, a central line was inserted into my chest just in case it was needed later in the night when the doctor was not around.  The cost of that procedure was billed out at $831 but Medicare only approved $83 and only paid $67...

Every doctor in the ER billed Medicare for whatever services they rendered on me...  Every time a doctor saw in while I was on the heart wing for about 15 minutes they got paid $100 including the doctor who was responsible for the whole heart wing floor.  No only did he get paid for those 5 minute visits, he also got paid $100 for supervising my discharge. 

One doctor got paid $500 for spending 30 minutes of time with me...

This is why our healthcare costs are increasing...