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Thread: Health care

  1. #27
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    Quote Originally Posted by Phrancis View Post
    Right now about $90 bi-weekly for both of us. It is a high deductible plan so much cheaper than full coverage


    Thanks Phrancis. I don't meant to be nosy but I am curious how rates look in different parts of country.
    Do you know how much your employer pays for you and your wife and how much are deductibles?

  2. #28
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    Quote Originally Posted by tinman View Post
    years ago I went in to the doctor about a problem. The doctor told me the cost would be 800 dollars. When he found out I had no insurance the cost dropped in half.
    In different sectors, wouldn’t this be called price gouging?

  3. #29
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    [QUOTE=Special Ed;14702271]Obamacare - what a perfect example of an oxymoron.....[/QUOTE

    Ed, please read first three sentences of my original post.

  4. #30
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    Quote Originally Posted by sigma View Post
    His insurance plan has $2,000.00 deductible.
    When hospital bill came in it stated that charges were $46,000.00. Adjustments were $-10,500.

    Insurance co. paid everything except $5,000.00.
    This leaves a patient with $3,000.00 in the hole.
    I don't know about your friend. We have BCBS and they have an in network policy. If you go to a network provider, they agree to accept insurance payment for the bill (less deductible). In the past we have argued this successfully with the hospital. Now it is my understanding that this is going to change in the near future with the advent of the almighty Obamacare......
    Life is too short, Behappy!
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  5. #31
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    Quote Originally Posted by tinman View Post
    years ago I went in to the doctor about a problem. The doctor told me the cost would be 800 dollars. When he found out I had no insurance the cost dropped in half.
    Puzzling. I heard a similar story from a former associate, he had a skin tumor removed, the price was cut in about half or less when they found out he was paying cash and had no insurance.
    "You boys are really making this thing harder than it has to be". Me

    "I say we just nuke them from space, that is the only way to be sure". Winch from ALIENS, forgot her name.

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  6. #32
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    [QUOTE=sigma;14702541]
    Quote Originally Posted by Special Ed View Post
    Obamacare - what a perfect example of an oxymoron.....[/QUOTE

    Ed, please read first three sentences of my original post.
    That's fine, sigma, and I'm sorry if you think I'm trying to hijack your thread but I'm not. Because I think in some round-about way it is.

    Since the tragedy of Obama's reelection it has become abundantly clear to me that the travesty known as the ACA will eventually become a reality in its entirety. And also since his reelection I've noticed that complaints about how our current healthcare system is administered has reached a whole new level by Liberal Socialist/Communists. In all fairness, Conservatives have also become more vitriolic in their complaints about Obamacare, probably because they're beginning to see that it is now an inevitability in spite of their resistance to it.

    Which leads me to wonder what the whole point of this thread is: is it just a thread about how poor our current healthcare system is? Or is it a thread begun as a prelude and a contrast to a second one that will extol the benefits of the ACA?

    Just curious, is all.
    WHY?

  7. #33
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    Quote Originally Posted by Tool-Slinger View Post
    Puzzling. I heard a similar story from a former associate, he had a skin tumor removed, the price was cut in about half or less when they found out he was paying cash and had no insurance.
    Doctors do charge less to cash patients. I do not understand why some here cannot accept that.

    No one pays the $46,000 charge. It is a fake number put there in hopes the insured person thinks that the insurance company is working to reduce charges for them. They are really doing the opposite.

    What I do not understand is when a cash patient pays $20,000 and the insurance co pays $35,000 for the exact same procedure why doesn’t the insurance co sue the hospital on grounds of gouging? Will a hospital come right out and say they charge insurance cos more to cover the costs of those that do not pay? If that is what the hospitals are overtly doing, isn’t it illegal? It would be in the construction industry.

  8. #34
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    [QUOTE=Special Ed;14702811]
    Quote Originally Posted by sigma View Post

    Which leads me to wonder what the whole point of this thread is: is it just a thread about how poor our current healthcare system is? Or is it a thread begun as a prelude and a contrast to a second one that will extol the benefits of the ACA?

    Just curious, is all.
    This thread is not about putting down our present health care system.
    It is about billing practices by health care providers and paying practices by insurance companies.

  9. #35
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    Quote Originally Posted by Brian GC View Post
    Doctors do charge less to cash patients. I do not understand why some here cannot accept that.

    No one pays the $46,000 charge. It is a fake number put there in hopes the insured person thinks that the insurance company is working to reduce charges for them. They are really doing the opposite.

    What I do not understand is when a cash patient pays $20,000 and the insurance co pays $35,000 for the exact same procedure why doesn’t the insurance co sue the hospital on grounds of gouging? Will a hospital come right out and say they charge insurance cos more to cover the costs of those that do not pay? If that is what the hospitals are overtly doing, isn’t it illegal? It would be in the construction industry.
    Great post Brian, I would also like to hear some answers to your questions if anyone has them.
    "You boys are really making this thing harder than it has to be". Me

    "I say we just nuke them from space, that is the only way to be sure". Winch from ALIENS, forgot her name.

    Service calls submitted after 3PM will be posted the next business day.

    I give free estimates [Wild Ass Guesses] over the phone.

    My front door is locked. For your personal protection.

  10. #36
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    Quote Originally Posted by Tool-Slinger View Post
    Puzzling. I heard a similar story from a former associate, he had a skin tumor removed, the price was cut in about half or less when they found out he was paying cash and had no insurance.
    It is all that paperwork that gets cut out when cash is involved.
    Never argue with a fool, onlookers may not be able to tell the difference. —Mark Twain

  11. #37
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    Quote Originally Posted by printer2 View Post
    It is all that paperwork that gets cut out when cash is involved.
    I agree. The endless haggling between a doctor and an insurance co comes at a price, but how could it account for more than say 10% of the bill?

    Another question would be: Can a doctor run his business solely on the cash price he charges? Is the amount over and above the cash price the true cost of doing business with inefficient insurance cos?

    The price difference between cash and insurance rates is too great for it to be blamed on admin costs IMO.

  12. #38
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    Here is another example of hospital over charges.

    http://articles.philly.com/1988-09-2...hospital-costs

    "John Dankosky, executive director of the Pennsylvania Business Roundtable, a business lobbying group, said one of the reasons for higher hospital costs in Philadelphia was the more expensive nature of such teaching hospitals as those of the University of Pennsylvania and Temple, Thomas Jefferson and Hahnemann Universities.
    "Their charges and costs would be higher because you have students and residents there and the costs of running a teaching hospital are higher," he said.
    Lou Gable, a spokesman for the Hospital Association of Pennsylvania, said teaching hospitals are expensive because they are "very labor-intensive," especially since salaries must be paid to teachers and researchers in addition to doctors, nurses and other staff."

    So all students go to medical school for free? Of course not! Here is tuition a year ago in one of above mentioned schools.

    http://grad-schools.usnews.rankingsa...-college-04099

    So if you can chose hospital for your planned medical procedure stay away from teaching hospital. First you will save money and secondly you don’t have to worry that your surgeon will give scalpel to a student.
    Last edited by sigma; 12-02-2012 at 09:06 PM.

  13. #39
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    Cash doctors are way cheaper than hospitals. Hospitals charge the insurance companies hundreds for every pill and cotton swab and thousands for every service, and they hide the costs from patients. Patients have no idea how much an operation really costs until months after the operation has been performed.

    Cash doctors tell you their charges up front. You know a few minutes after walking in the door how much an operation will cost. As a result, their charges are competitively priced.

    Hospitals pay their administrators hundreds of thousands of dollars per administrator, and they have several on staff at each hospital. Cash doctors have no administrators.

    Nor do cash doctors have any clerks to handle insurance paperwork.

    Cash doctors often charge in the neighborhood of 10% to 20% of what hospitals charge for routine operations, depending on the operation.

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