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Random Thoughts IV

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Anyone else sick and tired of posts on Facebook that are a colorful box with text. Always a dumb phrase like "today I realized it's my circus and I don't control the monkeys" or "today I feel like being a ***** so watch out."

Ugh.
 
cstrunk said:
Went to the Doctor. $500 No way I'm paying all of that for a 7 minute consultation to say "yep, you're right" and write me a prescription for steroid pills.
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call and tell them you do not have insurance. Ask for an itemized bill.

Even though it was just a look at your poison ivy, ask for an itemized bill. When you get it, if there are any codes you do not understand, call and ask what they are for.

I went in for what was basically a 10 minute physical/consultation (should have been nothing more than my then $20 co-pay) and they charged me for $800 in lab services for tests that never happened.
 
While we are ******** about health care costs. We got a bill last week from the hospital we had our son at (nothing like getting one 5 months after) for $3,500. Long story short the hospital claimed insurance rejected it saying he wasn't covered (with the layoff I made sure he was on there ) and insurance said they never received that bill. So that was a fun hour of calling both places.

Half of the bill was for two or three 5 minute visits by the pediatrician.
 
Also Rulzzz, I don't think you're opted in to the cave, but you should opt in just so you can make one of your official threads for the presidential debate tonight
 
wxman1 said:
While we are ******** about health care costs. We got a bill last week from the hospital we had our son at (nothing like getting one 5 months after) for $3,500. Long story short the hospital claimed insurance rejected it saying he wasn't covered (with the layoff I made sure he was on there ) and insurance said they never received that bill. So that was a fun hour of calling both places.

Half of the bill was for two or three 5 minute visits by the pediatrician.
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the worst is when you are fighting between the insurance and the hospital. They're like goddamn kids each blaming the other for the problem and refusing to communicate.
 
cowgirl836 said:
the worst is when you are fighting between the insurance and the hospital. They're like goddamn kids each blaming the other for the problem and refusing to communicate.
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I mean, not to get cavey, but I am convinced that the insurance companies are at least 50% of the problem, and part of it is the employer provided part of it. Companies, for good reason, generally care more about paying the least they can for the insurance they provide (so, other than it being a recruiting tool, and making it attractive via certain inclusions, etc., they want it to cost as little as possible). They, then pressure the insurance company to keep costs down, which the insurance companies do by any means they can, which means they sometimes act like jackwagons. But, because that keeps costs down, they don't lose 'customers' (the companies who pay the bills). If your auto insurance, or life insurance, or whatever insurance that you purchase and pay for, treated you like your health insurance company...you'd dump them and get someone else.

Now, that's not advocating a specific solution, because there's a lot more moving parts to it...sure we could dump the companies that act like jackwagons, and go with another company, but short term, that wouldn't make everything cost less...much the opposite...but IDK, over time, I think it would come to a healthier place than the dysfunctional mess we have now with some other solutions.
 
My urologist and my primary care physician came to check on me EVERY SINGLE DAY when I was in the hospital last March. They did quick exams, discussed my meds & symptoms, actually spent time caring for me.

Mary Greeley has "in house" physicians. The one "assigned" to me came in when I was in a semi-coma from the sepsis, introduced himself to PapaLew, and left. No conversation with either of us about my health...and he never came back. Mary Greeley billed for his "services". Yeah? WHAT services?
 
00clone said:
I mean, not to get cavey, but I am convinced that the insurance companies are at least 50% of the problem, and part of it is the employer provided part of it. Companies, for good reason, generally care more about paying the least they can for the insurance they provide (so, other than it being a recruiting tool, and making it attractive via certain inclusions, etc., they want it to cost as little as possible). They, then pressure the insurance company to keep costs down, which the insurance companies do by any means they can, which means they sometimes act like jackwagons. But, because that keeps costs down, they don't lose 'customers' (the companies who pay the bills). If your auto insurance, or life insurance, or whatever insurance that you purchase and pay for, treated you like your health insurance company...you'd dump them and get someone else.

Now, that's not advocating a specific solution, because there's a lot more moving parts to it...sure we could dump the companies that act like jackwagons, and go with another company, but short term, that wouldn't make everything cost less...much the opposite...but IDK, over time, I think it would come to a healthier place than the dysfunctional mess we have now with some other solutions.
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healthcare absolutely needs to be separated from your employer. That would also solve some of these issues coming up where companies don't want to have insurance cover certain drugs/whatever because they aren't ok with it. Regardless of whether or not it saves money in the end. The company's opinions should have no impact on how your insurance does or does not cover you. It's so messed up.

DH's company offers a yearly physical type thing (or you can provide proof that you did it through your own doctor). If you choose not to participate, your premium goes up $30 a month. It may be the same with smoking. I understand the logic, but I highly dislike your employer trying to intrude into your personal health.
 
My old employer gave a discount for the yearly physical/biometric screeening. New employer is something like $500 in your HSA or something like that.
 
00clone said:
I mean, not to get cavey, but I am convinced that the insurance companies are at least 50% of the problem, and part of it is the employer provided part of it. Companies, for good reason, generally care more about paying the least they can for the insurance they provide (so, other than it being a recruiting tool, and making it attractive via certain inclusions, etc., they want it to cost as little as possible). They, then pressure the insurance company to keep costs down, which the insurance companies do by any means they can, which means they sometimes act like jackwagons. But, because that keeps costs down, they don't lose 'customers' (the companies who pay the bills). If your auto insurance, or life insurance, or whatever insurance that you purchase and pay for, treated you like your health insurance company...you'd dump them and get someone else.

Now, that's not advocating a specific solution, because there's a lot more moving parts to it...sure we could dump the companies that act like jackwagons, and go with another company, but short term, that wouldn't make everything cost less...much the opposite...but IDK, over time, I think it would come to a healthier place than the dysfunctional mess we have now with some other solutions.
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At this time, the Affordable Care Act has made things very difficult for doctors and health care administrators. They took an European system for collecting data for statistical purposes and decided it could be used for billing purposes. This has resulted in about 20 times as many billing codes as were previously used. This will only drive more business to third party billing suppliers such as United Health Group. I know a lot of really good people that work for United Health but this company has really led the way in adding administrative layers and costs to health care. Fortunately, the government does seem to be showing a bit of flexibility in the administration of this act and, hopefully, will get things either simplified or come up with better educational material over time.

Like 00 said, I don't mean to get cavey so... back to hair color talk.
 
My health insurance is bomb. I pay $2500 max out of pocket but they give me $1500 in my HSA anyway. Everything outside of emergency room visits and major surgeries are covered at 100%. Emergency and surgeries and dental are at 90% or 95% but I'm really only paying $1000 a year max and that $1500 rolls over every year. So unless **** hits the fan and I break every bone, I'm golden. And no paycheck deduction for any of it as well.
 
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ISUCyclones2015 said:
My health insurance is bomb. I pay $2500 max out of pocket but they give me $1500 in my HSA anyway. Everything outside of emergency room visits and major surgeries are covered at 100%. Everything else is 90% or 95% but I'm really only paying $1000 a year max and that $1500 rolls over every year. So unless **** hits the fan and I break every bone, I'm golden. And no paycheck deduction for any of it as well.
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I pay nothing.

Hawaiian true universal healthcare, y'all.
 
Auburn. And green eyes. Take that, pantsy!

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