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Thread: Patients Pay Before Seeing Doctor as Deductibles Spread

  1. #131
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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by Mycroft View Post
    Who knows...maybe she has a history of not paying on time.

    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.
    Re your last paragraph above, yes, they do get statements. After the fact. I can see, with an elective surgery, as an example, that the hospital would check with the insurance company before your scheduled surgery to see what they're paying and what you have to pay...and want that money up front. But the idea that one is going to have to pony up a $5,000 deductible for a doctor visit is ludicrous.

    In general, doctors want their co-pays up front. This has been going on for some time now. People wait to be billed and then don't pay their co-pay. Or take months to pay their co-pay. I don't blame doctors one iota for that. Invoicing over and over again over months and months in order to get a patient to pay a $30 bill is inefficient and means that doctors are turning over these unpaid co-pays to collection agencies. This is nothing new.

    If you'll notice in the first quote you picked up, the up-front amounts are based on an estimated cost of service. Not that one will have to pay their entire deductible up front.

    This is another one of those half-truths being bandied about to scare the livin' bejesus out of people.

  2. #132
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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by sawyerloggingon View Post
    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.
    Well, I'd love to know how your mom's IBM retirement kept her out of Medicare. IBM would have to be stupid IDIOTS to pay some kind of regular insurance for anyone eligible for Medicare. Medicare is $139 a month, for God's sake. There is so much misinformation out there from people like you who have half the story that NO ONE understands what the **** is going on.

    No insurance on EARTH will pick up the tab for separate coverage for someone eligible for Medicare. Not one. They will provide a supplement for Medicare, but they are in no WAY picking up Medicare-eligible expenses. It would appear that even your MOM doesn't understand what kind of coverage she has/had.

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by MaggieD View Post
    Well, I'd love to know how your mom's IBM retirement kept her out of Medicare. IBM would have to be stupid IDIOTS to pay some kind of regular insurance for anyone eligible for Medicare. Medicare is $139 a month, for God's sake. There is so much misinformation out there from people like you who have half the story that NO ONE understands what the **** is going on.

    No insurance on EARTH will pick up the tab for separate coverage for someone eligible for Medicare. Not one. They will provide a supplement for Medicare, but they are in no WAY picking up Medicare-eligible expenses. It would appear that even your MOM doesn't understand what kind of coverage she has/had.
    IBM had insurance with Kaiser that was supplemental to Medicare is the way I understand it and that is now gone. Their old doctors won't take them now without that separate IBM insurance so they have to look for new doctors. So much for " If you like your doctor keep him". This has been discussed in another thread though, I don't want to derail this one.

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by MaggieD View Post
    Re your last paragraph above, yes, they do get statements. After the fact. I can see, with an elective surgery, as an example, that the hospital would check with the insurance company before your scheduled surgery to see what they're paying and what you have to pay...and want that money up front. But the idea that one is going to have to pony up a $5,000 deductible for a doctor visit is ludicrous.

    In general, doctors want their co-pays up front. This has been going on for some time now. People wait to be billed and then don't pay their co-pay. Or take months to pay their co-pay. I don't blame doctors one iota for that. Invoicing over and over again over months and months in order to get a patient to pay a $30 bill is inefficient and means that doctors are turning over these unpaid co-pays to collection agencies. This is nothing new.

    If you'll notice in the first quote you picked up, the up-front amounts are based on an estimated cost of service. Not that one will have to pay their entire deductible up front.

    This is another one of those half-truths being bandied about to scare the livin' bejesus out of people.
    In the case of that first lady mentioned in the article, my guess is that she requires ongoing treatment. The first provider, the doctor's office, probably doesn't want to continue dealing with her insurance...especially if she has a history of non-payment or slow payment. The second provider knows that their services will, at some point, go beyond the lady's deductible. So, they have demanded that she pay that deductible, in full, before they continue with their course of treatment. So, yes...she has to pay her entire deductible to them if she wants them to treat her.

    You may think this article is just some half-truth scare tactic, but that lady had to tap her savings to get treatment. Sounds to me like that lady got hit hard with truthful reality.
    Last edited by Mycroft; 10-17-13 at 10:58 AM.
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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by Mycroft View Post
    In the case of that first lady mentioned in the article, my guess is that she requires ongoing treatment. The providers know that their services will, at some point, go beyond the lady's deductible. So, they have demanded that she pay that deductible, in full, before they continue with their course of treatment. So, yes...she has to pay her entire deductible to them if she wants them to treat her.

    You may think this article is just some half-truth scare tactic, but that lady had to tap her savings to get treatment. Sounds to me like that lady got hit hard with truthful reality.
    It is some half-truth scare tactic. There will always be "horror stories." Not every hospital requires anything CLOSE to that. And you don't know "the rest of the story." Like whether or not she left unpaid bills from LAST YEAR'S treatment with the hospital. IOW, that she didn't pay her deductible from LAST year.

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by sawyerloggingon View Post
    IBM had insurance with Kaiser that was supplemental to Medicare is the way I understand it and that is now gone. Their old doctors won't take them now without that separate IBM insurance so they have to look for new doctors. So much for " If you like your doctor keep him". This has been discussed in another thread though, I don't want to derail this one.
    That has more to do with IBM deciding it's not going to include Supplemental Insurance for its retirees than anything else. This has nothing to do with Medicare -- and nothing to do with Obamacare. You have just given us "the rest of the story" -- IBM has decided to discontinue its Medicare Supplement Policies for its retirees. You're absolutely right. This has zero to do with this thread.

    Very few doctors are going to want to treat a patient who doesn't have a supplemental policy. It's always been that way and there's little chance of that changing in the future.

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by MaggieD View Post
    It is some half-truth scare tactic. There will always be "horror stories." Not every hospital requires anything CLOSE to that. And you don't know "the rest of the story." Like whether or not she left unpaid bills from LAST YEAR'S treatment with the hospital. IOW, that she didn't pay her deductible from LAST year.
    shrug...

    I don't think the article is a scare tactic or a half-truth. It's just stating that this is happening. Nowhere in the article does it say that every hospital is doing it...but they do say that, with more people buying insurance plans with high deductibles, it could become more of a problem.
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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Wasn't this happening before ACA? How can something happening before be caused by?

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by MaggieD View Post
    That has more to do with IBM deciding it's not going to include Supplemental Insurance for its retirees than anything else. This has nothing to do with Medicare -- and nothing to do with Obamacare. You have just given us "the rest of the story" -- IBM has decided to discontinue its Medicare Supplement Policies for its retirees. You're absolutely right. This has zero to do with this thread.

    Very few doctors are going to want to treat a patient who doesn't have a supplemental policy. It's always been that way and there's little chance of that changing in the future.
    Obamacare is what enabled IBM and all these other big corps to do this and that is exactly what the so called crazy right wingers said would happen if obamacare passed. Dems call this an unintended consequence but if they knew it would happen was it really unintended?

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by X Factor View Post
    Yet if you suggest people actually pay anything for services you use, some are just aghast at the very idea.
    So, we'll have doctor's offices full of aghast people.
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