Topic: POst your ridiculous health coverage expense here...
Drivinmenutz's photo
Thu 10/15/09 11:52 AM


I just went for my annual Physical exam and Blood work.
I paid a Grand Total of $15 copay

I just got the Statement from Blue Cross:

Dr. Visit and Physical Exam -
Dr. billed $224 and was Paid $160

Lab for complete blood work -
Lab billed $338 and was paid $44

Total cost to me = $15
Total amount billed by labs & docs = $562
Total amount paid by Blue Cross to docs & lab = $204

I could see where if somebody doesn't have insurance, they are not even going to want to go get a check up at the doctor because they are going to get stuck with a $562 BILL!!! Just for a check up!!




Personally we hear people saying that doctors are not reimbursed correctly. I don't really believe that, I think they inflate their charges and what they actually get back is probably more than they actually deserve.



I find this interesting.


Where would you draw the line then? How much do doctors deserve to get paid?

How often do you think the docs jack the prices up to greedily line their own pockets?

Do you think this is our biggest problem?

no photo
Thu 10/15/09 12:32 PM
Edited by crickstergo on Thu 10/15/09 12:33 PM

I just went for my annual Physical exam and Blood work.
I paid a Grand Total of $15 copay

I just got the Statement from Blue Cross:

Dr. Visit and Physical Exam -
Dr. billed $224 and was Paid $160

Lab for complete blood work -
Lab billed $338 and was paid $44

Total cost to me = $15
Total amount billed by labs & docs = $562
Total amount paid by Blue Cross to docs & lab = $204

I could see where if somebody doesn't have insurance, they are not even going to want to go get a check up at the doctor because they are going to get stuck with a $562 BILL!!! Just for a check up!!




That is so misleading because you have not apportioned any part of the cost of your Blue Cross monthly premiums to that visit. If you are healthy and didn't need to see the doc anymore that year that visit cost you (or your employer) a WHOLE LOT more than $15.00.

TelephoneMan's photo
Thu 10/15/09 12:33 PM
Edited by TelephoneMan on Thu 10/15/09 12:34 PM
It seems like I see a theme here... there is no standardization of compensation.

We have long since standardized a socket set that fixes our car.

Perhaps it is time to standardize health coverage compensation, instead of an every man/woman for him/her self billing policy set. (And let's let the greediest, brown-nosing doctors win...)

***********

Another thing I have noticed is a trend for doctors to often request the latest-greatest testing/operating/medical procedures. As with all technology (think home computers and the depreciation of computer technology) in 6 months or more the newest technology has become out-dated and is on the market for less money. And, as the leatest-greatest technology, it is the most expensive available, thus they can bill a newer and higher rate if they can keep up with the technological change advancements via conferences, trade papers, whate-have-you.

Instead of using the latest-greatest testing/operating/medical procedures, (EVERY TIME) doctors could just as easily use the older methods that cost less, ie., the "it ain't broke, why fix it?" methods. But it SEEMS the trend is to go for the latest technological advancements. Therefore, this keeps the medical process at a premium price.

As an idea....

The latest-greatest testing/operating/medical procedures could be standardized for price before being approved by the FDA for use on human beings. It could also include a depreciation value over the course of time, encouraging the invention of newer and better technologies.

The medical profession could learn something from the computer industry here. Let's take the Intel company for example. In order to thrive, they must produce newer and faster processor chips... constaly. Every month or every few months they come out with faster upgrades. They charge a premium price the market will bear, then as the newer technologies surface, the older technologies become less expensive.

Apply this to the medical profession. There are going to be people who demand the latest-greatest in technological advantages. They could be free to pay for it if they like, If insured, they pay a higher co-pay for that item if they choose to use it, but it has to give power AWAY from the doctors long enough to let the consumer decide. Part of the problem is that the doctors have too much power. They prey upon the unknowing public who is typically afraid of the unknown.

But by consultations, by pamphlets most can read, by simple education, clients can make good choices, too. Doctors are not the only people with brains. Actually, some doctors skimmed through med school on low grades, not every physician and surgeon (and nurse and medical professional period) got excellent grades in college. They are humans, not gods.

And if a client chooses to use a bit older technology to do the same thing, it should be available to him or her. It is their life, it is their hospital or medical bill, and their should be more power put in the hands of the medical consumer than we have today.

If health care costs were standardized coast-to-coast (like a socket set) it might help.

my 3 cents...




daniel48706's photo
Thu 10/15/09 12:43 PM
Let's see, this is a true story from last month. My insurance got screwed up, and thus denied initially (thank god it has been fixed since and everything back paid by the insurance).

went in for monthly doctor visit for my sons medication. He is on medicine that has to be prescribed every month, it can not be renewable.

15 minutes in the pediatricians office, letting her know the medicine was working properly and get the new scripts written: $130.00

script A: $160.00 (30 day supply)
script B: $160.00 (30 day supply)
script C: $17.00 (30 day supply and renewable three times)

Grand total per month is 467.00 plus tax and service fees

no photo
Thu 10/15/09 12:44 PM


I just went for my annual Physical exam and Blood work.
I paid a Grand Total of $15 copay

I just got the Statement from Blue Cross:

Dr. Visit and Physical Exam -
Dr. billed $224 and was Paid $160

Lab for complete blood work -
Lab billed $338 and was paid $44

Total cost to me = $15
Total amount billed by labs & docs = $562
Total amount paid by Blue Cross to docs & lab = $204

I could see where if somebody doesn't have insurance, they are not even going to want to go get a check up at the doctor because they are going to get stuck with a $562 BILL!!! Just for a check up!!




That is so misleading because you have not apportioned any part of the cost of your Blue Cross monthly premiums to that visit. If you are healthy and didn't need to see the doc anymore that year that visit cost you (or your employer) a WHOLE LOT more than $15.00.


I just checked with my neighbor who is self employed, 48 years old, and has Blue Cross Blue Shield. His premiums are $ 389.00 a month which totals $ 4,668.00.
For the last two years his only Doctors visit was for yearly check ups.


no photo
Thu 10/15/09 12:46 PM
If health care costs were standardized coast-to-coast (like a socket set) it might help.

Get real!!!
????????

Local markets set the price..Your standard socket set costs less in MS. than in California...



no photo
Thu 10/15/09 05:22 PM



I just went for my annual Physical exam and Blood work.
I paid a Grand Total of $15 copay

I just got the Statement from Blue Cross:

Dr. Visit and Physical Exam -
Dr. billed $224 and was Paid $160

Lab for complete blood work -
Lab billed $338 and was paid $44

Total cost to me = $15
Total amount billed by labs & docs = $562
Total amount paid by Blue Cross to docs & lab = $204

I could see where if somebody doesn't have insurance, they are not even going to want to go get a check up at the doctor because they are going to get stuck with a $562 BILL!!! Just for a check up!!




That is so misleading because you have not apportioned any part of the cost of your Blue Cross monthly premiums to that visit. If you are healthy and didn't need to see the doc anymore that year that visit cost you (or your employer) a WHOLE LOT more than $15.00.


I just checked with my neighbor who is self employed, 48 years old, and has Blue Cross Blue Shield. His premiums are $ 389.00 a month which totals $ 4,668.00.
For the last two years his only Doctors visit was for yearly check ups.



WOW! Your neighbor is getting a smoking deal!

I haven't worked in 3 years now and pay out of pocket $510 a month for my Blue Cross plan.....of course it's a Cadillac plan. happy

And that's about all I rack up in charges is my annual physical. drinker


no photo
Thu 10/15/09 05:37 PM



I just went for my annual Physical exam and Blood work.
I paid a Grand Total of $15 copay

I just got the Statement from Blue Cross:

Dr. Visit and Physical Exam -
Dr. billed $224 and was Paid $160

Lab for complete blood work -
Lab billed $338 and was paid $44

Total cost to me = $15
Total amount billed by labs & docs = $562
Total amount paid by Blue Cross to docs & lab = $204

I could see where if somebody doesn't have insurance, they are not even going to want to go get a check up at the doctor because they are going to get stuck with a $562 BILL!!! Just for a check up!!




Personally we hear people saying that doctors are not reimbursed correctly. I don't really believe that, I think they inflate their charges and what they actually get back is probably more than they actually deserve.



I find this interesting.


Where would you draw the line then? How much do doctors deserve to get paid?

How often do you think the docs jack the prices up to greedily line their own pockets?

Do you think this is our biggest problem?


I really honestly do not know. It's just that what I see actually done doesn't fit the cost to me and to a lot of others, problem is that we don't' know where the money goes either, we don't know how the insurance company operates of how the doctor comes up with his fees.

I have been learning a lot about insurance companies this week and I don't like what I am hearing, but can't articulate it like I would want to.

no photo
Thu 10/15/09 05:46 PM

Let's see, this is a true story from last month. My insurance got screwed up, and thus denied initially (thank god it has been fixed since and everything back paid by the insurance).

went in for monthly doctor visit for my sons medication. He is on medicine that has to be prescribed every month, it can not be renewable.

15 minutes in the pediatricians office, letting her know the medicine was working properly and get the new scripts written: $130.00

script A: $160.00 (30 day supply)
script B: $160.00 (30 day supply)
script C: $17.00 (30 day supply and renewable three times)

Grand total per month is 467.00 plus tax and service fees


Why does that just seem insane to me. Is it because I am almost 60 and it seems high? I could never ever afford that.

daniel48706's photo
Thu 10/15/09 07:47 PM
I will be 35 in February, and if it wasn't for medicaid, state paid insurance which I contributed to while working, I would ever be able to afford it either. And don't get me wrong, I do not begrudge the pediatrician or the meds; the pediatrician knows what she is doing and is willing to do what needs to be done, even if it isn't the "normal" routine. She believes in treating the patients no matter what. And my son does so much better when he is on them it is amazing. But hte cost is outrageously ridiculous.




Let's see, this is a true story from last month. My insurance got screwed up, and thus denied initially (thank god it has been fixed since and everything back paid by the insurance).

went in for monthly doctor visit for my sons medication. He is on medicine that has to be prescribed every month, it can not be renewable.

15 minutes in the pediatricians office, letting her know the medicine was working properly and get the new scripts written: $130.00

script A: $160.00 (30 day supply)
script B: $160.00 (30 day supply)
script C: $17.00 (30 day supply and renewable three times)

Grand total per month is 467.00 plus tax and service fees


Why does that just seem insane to me. Is it because I am almost 60 and it seems high? I could never ever afford that.

MirrorMirror's photo
Thu 10/15/09 07:54 PM
:smile: An insurance company executive called people with muscular distrophy "dogs":smile:

Winx's photo
Thu 10/15/09 07:54 PM


Let's see, this is a true story from last month. My insurance got screwed up, and thus denied initially (thank god it has been fixed since and everything back paid by the insurance).

went in for monthly doctor visit for my sons medication. He is on medicine that has to be prescribed every month, it can not be renewable.

15 minutes in the pediatricians office, letting her know the medicine was working properly and get the new scripts written: $130.00

script A: $160.00 (30 day supply)
script B: $160.00 (30 day supply)
script C: $17.00 (30 day supply and renewable three times)

Grand total per month is 467.00 plus tax and service fees


Why does that just seem insane to me. Is it because I am almost 60 and it seems high? I could never ever afford that.


I have a friend that pays a lot less for Blue Cross. She doesn't get much coverage though and has high deductibles. She doesn't have the money to get better coverage though. Our state kicked her off Medicaid when our old Republican Governor said that anybody making over a few hundred a month couldn't get it anymore.

MirrorMirror's photo
Thu 10/15/09 07:55 PM
:smile: In 45 states insurance companies want to force women to be sterilized before they will provide coverage:smile:

Dragoness's photo
Thu 10/15/09 07:55 PM

With all the talk of health care reform, I thought it might be interesting for folks to post some real-world ridiculous health care cost you have seen on an actual hospital or medical bill.

Example (fictional):

Fifty bucks for two aspirin during my over-night stay in the hospital.

I have heard many exclamations over the years from relatives or friends that have either been in the hospital, or had to under-go certain medical testing procedures.

Here's one real-world example... my mother was sent by her regular physician to a podiatrist. The podiatrist recommended she get some special insoles for her shoes. She ordered them at his request. When she got the bill, the insurance company refused to pay for them, and she was sent a bill for $400 for two insoles.

Later, she found the very similar product in a mail order catalog... for $9.95... and she said the one's she bought from the mail-order company fit her feet much better than the ones specially fit and ordered by the podiatrist.

She has no recompence or way to get her money back for the $400 she spent in the medical system.

Perhaps you have heard of some ridiculous medical bill or story?

Rather than arguing health care issues here (as in current events, etc...) simply tell us your ridiculous health care expense story.



Telephoneman.



$2000.00 a month, not covered by insurance, for my MS shots is the worse for me

MirrorMirror's photo
Thu 10/15/09 07:55 PM
:smile: Insurance companies are denying women coverage for being victims of domestic violence:smile:

Ladylid2012's photo
Thu 10/15/09 07:58 PM

:smile: Insurance companies are denying women coverage for being victims of domestic violence:smile:


Good thing for me I win those fights..and kick the dudes azz!!!

MirrorMirror's photo
Thu 10/15/09 08:03 PM


:smile: Insurance companies are denying women coverage for being victims of domestic violence:smile:


Good thing for me I win those fights..and kick the dudes azz!!!
:smile: In 45 states insurance companies want to force women to be sterilized before they will provide coverage:smile:



:smile: An insurance company executive called people with muscular distrophy "dogs":smile:

Thomas3474's photo
Thu 10/15/09 09:13 PM
My fathers heart transplant was a cool million. :banana: Plus another $250,000 in hospital cost before and after the transplant.

Winx's photo
Thu 10/15/09 09:17 PM

My fathers heart transplant was a cool million. :banana: Plus another $250,000 in hospital cost before and after the transplant.


shocked

no photo
Thu 10/15/09 09:24 PM



Let's see, this is a true story from last month. My insurance got screwed up, and thus denied initially (thank god it has been fixed since and everything back paid by the insurance).

went in for monthly doctor visit for my sons medication. He is on medicine that has to be prescribed every month, it can not be renewable.

15 minutes in the pediatricians office, letting her know the medicine was working properly and get the new scripts written: $130.00

script A: $160.00 (30 day supply)
script B: $160.00 (30 day supply)
script C: $17.00 (30 day supply and renewable three times)

Grand total per month is 467.00 plus tax and service fees


Why does that just seem insane to me. Is it because I am almost 60 and it seems high? I could never ever afford that.


I have a friend that pays a lot less for Blue Cross. She doesn't get much coverage though and has high deductibles. She doesn't have the money to get better coverage though. Our state kicked her off Medicaid when our old Republican Governor said that anybody making over a few hundred a month couldn't get it anymore.


A lady here that works her butt off almost 7 days a week had Signa. Boy talk about a worthless plan she had. She's going to die unfortunately, probably in a year or so. She can't work now, her insurance only covers checking if her problem is worse, but nothing more. It's a horrible thing to witness. She's decided she'd rather not even bother with the check ups, why go there to have them tell her over and over they can't help her. Bastards.. If they won't help her, give her the damn money she has been giving the damn insurers all this bloody time. Makes me furious.