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Thread: Patients Pay Before Seeing Doctor as Deductibles Spread

  1. #181
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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by Mason66 View Post
    Why would anyone with health insurance go through the hell of an emergency room visit?
    1. Time of day. Emergency rooms see many things that could be handled during the day at a reg doc, but surprisingly things hurt and bother much worse in the evening and night when we are not so busy and we just notice it more. So often the final straw of willingness to suffer is reached at night.

    2. You have a doc, but he's booked for two weeks or more. Problem isn't an emergency but it would be if it was left for 2-3 weeks.

    3. You don't have a doc, and can't find one to take you in the next two months.

    4. It turns out only to be an ear infection, but the baby hasn't stopped screaming since 8pm and it's now 2am.

    I'm sure there's more, shall I go on.
    jallman: "It's all good. At least you have a thick skin and can take being poked fun back at without crying. "

  2. #182
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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.
    I agree, and have reinterated even EXCEPT for one point. The doc knows if your deductible is paid in full or in part or not yet at all when his assistants call the insurance company. That information is shared with the doc.
    jallman: "It's all good. At least you have a thick skin and can take being poked fun back at without crying. "

  3. #183
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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by Summerwind View Post
    Are you entirely ignorant about how costs for most product and services are not controlled at all by the consumer? Seriously, supply and demand aren't even real in the world much anymore with stock market style pricing, not consumer supply and demand, being the manner for pricing.
    Additionally since health isn't something someone can hang around and wait for, consumers don't have the time and luxury to wait for any potential supply and demand to set in.
    Are you entirely ignorant about the relationship between suppliers and consumers? Health care costs are spiraling out of control because most of the consumers of health care don't have any idea what they're actually being charged and, further, don't particulary care. See Maggie's $15,000 colonoscopy, for example. Between the regulations that suppress competition in health care and the pooled payer system, consumers don't have the means nor the motivation to control costs.

  4. #184
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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by FederalRepublic View Post
    Are you entirely ignorant about the relationship between suppliers and consumers? Health care costs are spiraling out of control because most of the consumers of health care don't have any idea what they're actually being charged and, further, don't particulary care. See Maggie's $15,000 colonoscopy, for example. Between the regulations that suppress competition in health care and the pooled payer system, consumers don't have the means nor the motivation to control costs.
    So then tell me how the lack of regulation for the past..... forever! has helped. The number one thing ACA does to help this is by acting as a representative of the general public which individually has no ability to tell docs to charge less or insurance to pay doctors less, or insurance to pay the docs and not so much to themselves.... So ACA has a provision for the insurance companies that 80 or 85% of all insurance payments must go to medical care. That should help because the insurance companies will begin to put pressure on these costs that to date only Medicare has done since things like refusing treatment to pre-existing conditions won't be the way they pad there bottom lines.
    Last edited by Summerwind; 10-17-13 at 05:34 PM.
    jallman: "It's all good. At least you have a thick skin and can take being poked fun back at without crying. "

  5. #185
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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by Summerwind View Post
    You're wrong, unless you think treatment for an ear infection or strep throat, getting a sliver of metal out of the white of the eye, skin rash are emergencies...sorry, but emergency rooms see who arrives and they treat them as well as they can. You can go to a ER and be seen for a cold. Once they see you, they don't say, "oh, you're not sick enough, go find a doctor," they give you meds and or prescriptions.
    Please stop, you're really shovelling false info and it isn't helping. Unless you're bleeding out the first person you see BEFORE you receive care at an ER are admitting personnel. They determine your ability to pay. If you cannot demonstrate that, the only care you will receive is emergency and/or life saving care. With exception of skin rash (depending upon the severity), what you describe is considered emergency care. If you go to the ER for a simple cold you will be treated ONLY if you convince admitting personnel that you have insurance or the ability to pay. Otherwise you'll be advised to see your family doctor or visit a free care clinic.

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by Summerwind View Post
    So then tell me how the lack of regulation for the past..... forever! has helped. The number one thing ACA does to help this is by acting as a representative of the general public which individually has no ability to tell docs to charge less or insurance to pay doctors less, or insurance to pay the docs and not so much to themselves.... So ACA has a provision for the insurance companies that 80 or 85% of all insurance payments must go to medical care. That should help because the insurance companies will begin to put pressure on these costs that to date only Medicare has done since things like refusing treatment to pre-existing conditions won't be the way they pad there bottom lines.
    Lack of regulation? Is that a serious question? I don't think I can help you if it is.

  7. #187
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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Simply not true. Sorry, but you are not well informed. Yes, you see the admitting nurse, and yes they may suggest that you take it to a clinic, but they do not force you to leave. They do not refuse to see you. In some very slick ERs they now have two tiers of ER, one is like a free clinic and is usually just "through that door" for the more minor things. Otherwise you will be seen if you don't leave. Perhaps before you think you know it all, you should visit an ER in the afternoon, or late evening and learn for yourself. Everyone that chooses to remain will be seen.
    jallman: "It's all good. At least you have a thick skin and can take being poked fun back at without crying. "

  8. #188
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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by FederalRepublic View Post
    Lack of regulation? Is that a serious question? I don't think I can help you if it is.
    Except for Medicare/Medicaid refusing to pay over a certain amount for procedures. Please don't just talk out of your ass, tell me where medical price regulations through the gov't exist. I await.
    jallman: "It's all good. At least you have a thick skin and can take being poked fun back at without crying. "

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by Summerwind View Post
    Except for Medicare/Medicaid refusing to pay over a certain amount for procedures. Please don't just talk out of your ass, tell me where medical price regulations through the gov't exist. I await.
    We've been regulating the price upwards (indirectly) by inserting layers between the producer and the consumer in health care for years. Now you want to have direct price controls to counteract the upward trend that regulations are responsbile for, and you expect that it will be entirely free of negative consequences (i.e. shortages). Typical utopian fantasy.

  10. #190
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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by FederalRepublic View Post
    We've been regulating the price upwards (indirectly) by inserting layers between the producer and the consumer in health care for years. Now you want to have direct price controls to counteract the upward trend that regulations are responsbile for, and you expect that it will be entirely free of negative consequences (i.e. shortages). Typical utopian fantasy.
    Who exactly "regulated" that insurance companies have to be between the producers and the consumers? What layers are you speaking of otherwise. Please be specific and give links as it appears you're talking out your ass.
    jallman: "It's all good. At least you have a thick skin and can take being poked fun back at without crying. "

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