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Thread: Patients Pay Before Seeing Doctor as Deductibles Spread

  1. #121
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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by Mycroft View Post
    It's not that the person is unaware of deductibles...but the person is not aware that their doctor wants full payment BEFORE the doctor will see them. When they are confronted with that situation...and don't have the ready cash to pay $500-$1000 just so the doctor will take a look at them...they will be surprised and, eventually, pissed off. My guess is that their anger will be directed at their doctor and at Obamacare.
    I think people are misinterpreting this article.

    If you go to the doctor, and your policy has a $30 co-pay, the doctor wants that co-pay right then and there. If you have a $1,000 deductible, the doctor is STILL going to want that $30 co-pay right then and there. The doctor is NOT going to collect your $1,000 deductible for a $125 office call. What's HE going to do with it? You don't owe it to him. This is nothing new.

    Use your heads, folks.

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by Summerwind View Post
    We didn't need to have that so much. In Boise, all the IBMers which were few, lived in the same neighborhood. It was a lot like EDS in Plano with my uncle and his co-workers, except EDS was on a much larger scale taking up blocks and blocks of neighborhoods.
    IBM people stick together. My retired parents still travel around in fifth wheel-motor home IBM caravans.

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by MaggieD View Post
    I think people are misinterpreting this article.

    If you go to the doctor, and your policy has a $30 co-pay, the doctor wants that co-pay right then and there. If you have a $1,000 deductible, the doctor is STILL going to want that $30 co-pay right then and there. The doctor is NOT going to collect your $1,000 deductible for a $125 office call. What's HE going to do with it? You don't owe it to him. This is nothing new.

    Use your heads, folks.
    You are mistaken Maggie. The docs want the entire deductible up front. That is what my mom just told me anyway. She has been doctor shopping since her old doc won't take Medicare patients which obamacare forced her onto and is being told this constantly.


    EDIT: To be more precise they want the entire deductible up front before they accept you as a new patient. If you are already a patient it may be different, I truly don't know.
    Last edited by sawyerloggingon; 10-17-13 at 09:47 AM.

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by MaggieD View Post
    I think people are misinterpreting this article.

    If you go to the doctor, and your policy has a $30 co-pay, the doctor wants that co-pay right then and there. If you have a $1,000 deductible, the doctor is STILL going to want that $30 co-pay right then and there. The doctor is NOT going to collect your $1,000 deductible for a $125 office call. What's HE going to do with it? You don't owe it to him. This is nothing new.

    Use your heads, folks.
    Ah...no, Maggie.

    What the article is saying is that when you go to your doctor's appointment, they will ask you for the co-pay and the cost for the blood test and any other treatment they expect to do until your deductible has been met...before the doctor will even see you.

    You, on the other hand, came there expecting to pay only the co-pay, getting all the other stuff done and then getting a statement from your insurance company saying they were not going to pay for the treatment and stuff because your deductible had not been met and getting a bill from the doctor for the rest. By that time, payday has come and you have the cash on hand without having to dip into your savings to cover it.
    TANSTAAFL

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by sawyerloggingon View Post
    You are mistaken Maggie. The docs want the entire deductible up front. That is what my mom just told me anyway. She has been doctor shopping since her old doc won't take Medicare patients which obamacare forced her onto and is being told this constantly.

    EDIT: To be more precise they want the entire deductible up front before they accept you as a new patient. If you are already a patient it may be different, I truly don't know.
    This cannot be true. Period.

    Think about it. You go to the doctor. The doctor visit is $125. You have a $5,000 deductible. The doctor is NOT going to collect $5,000 from you. Use your head. And, in this case, assume your mom has her facts absolutely 100% wrong. How on earth would your DOCTOR know whether or not you'd paid your deductible or not??

    The doctor wants his co-pay.

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by Mycroft View Post
    Ah...no, Maggie.

    What the article is saying is that when you go to your doctor's appointment, they will ask you for the co-pay and the cost for the blood test and any other treatment they expect to do until your deductible has been met...before the doctor will even see you.

    You, on the other hand, came there expecting to pay only the co-pay, getting all the other stuff done and then getting a statement from your insurance company saying they were not going to pay for the treatment and stuff because your deductible had not been met and getting a bill from the doctor for the rest. By that time, payday has come and you have the cash on hand without having to dip into your savings to cover it.
    Please pick up the quote from the article that says that. How would your doctor know if you had or hadn't paid your deductible? In addition! Your insurance company has negotiated rates from healthcare providers. Blue Cross pays a different amount than Nationwide, IOW. Just because the doctor bills $100 for a blood test in no WAY means that your insurance company is allowing that amount.

    The way you guys are figuring it, it's going to cost you $5,000 to go to the doctor.

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by MaggieD View Post
    This cannot be true. Period.

    Think about it. You go to the doctor. The doctor visit is $125. You have a $5,000 deductible. The doctor is NOT going to collect $5,000 from you. Use your head. And, in this case, assume your mom has her facts absolutely 100% wrong. How on earth would your DOCTOR know whether or not you'd paid your deductible or not??

    The doctor wants his co-pay.
    I'm no expert on Medicare so I only know what my mom tells me on this. She says all the docs want money up front before they will take her as a new patient. I don't know if there is a deductible or what formula they use all I know is they won't take her without money up front.

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by sawyerloggingon View Post
    I'm no expert on Medicare so I only know what my mom tells me on this. She says all the docs want money up front before they will take her as a new patient. I don't know if there is a deductible or what formula they use all I know is they won't take her without money up front.
    Your mom is on Medicare? Your mom's total deductible for the year is under $300. And how would the doctor know whether or not she'd paid that? There's something wrong with what she's telling you . . . or what you're understanding.

    Medicare has nothing to do with Obamacare.

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by MaggieD View Post
    Your mom is on Medicare? Your mom's total deductible for the year is under $300. And how would the doctor know whether or not she'd paid that? There's something wrong with what she's telling you . . . or what you're understanding.

    Medicare has nothing to do with Obamacare.
    She has been forced onto Medicare because of obamacare. I went into this in another thread about IBM retirees. Anyway what she is running into is doctors won't take new Medicare patients without money up front. I think I may have jumped into this thread with a different subject than you guys are specifically talking about though so I will bow out. I just have this on my brain because of talking about it with my parents lately.

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by MaggieD View Post
    Please pick up the quote from the article that says that. How would your doctor know if you had or hadn't paid your deductible? In addition! Your insurance company has negotiated rates from healthcare providers. Blue Cross pays a different amount than Nationwide, IOW. Just because the doctor bills $100 for a blood test in no WAY means that your insurance company is allowing that amount.

    The way you guys are figuring it, it's going to cost you $5,000 to go to the doctor.
    When Barbara Retkowski went to a Cape Coral, Florida, health clinic in August to treat a blood condition, she figured the center would bill her insurance company. Instead, it demanded payment upfront.
    Earlier in the year, another clinic insisted she pay her entire remaining insurance deductible for the year -- more than $1,000 -- before the doctor would even see her.
    Who knows...maybe she has a history of not paying on time.

    Doctors and hospitals at New York University Langone Medical Center collect co-insurance and deductibles upfront for inpatient and outpatient services, said Andrew Rubin, vice president for medical center clinical affairs and affiliates. The amount may be based on estimated cost of services. The practice helps clarify bills for patients and saves on administrative costs when it comes to collections, he said.
    Lee Memorial Health System in Fort Myers, Florida, collects co-payments and deductibles prior to elective services, Mary Briggs, a spokeswoman, said in an e-mail. If a doctor decides a procedure is urgent, they’ll work out payment plans, she said.
    And unless it’s an emergency situation, Presbyterian Healthcare Services, a nonprofit hospital system based in Albuquerque, New Mexico, requires patients with insurance to pay their deductible, copay and co-insurance at the time of service, and the uninsured pay in full.
    It seems to me that what is happening here is that more and more care providers are not willing to go through the common insurance billing procedures anymore.

    By the way, your doctor knows what insurance coverage you have...including what deductibles you must meet. They get statements from your insurance company, too.
    TANSTAAFL

    “An armed society is a polite society.”
    ― Robert A. Heinlein, Beyond This Horizon

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