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Thread: Patients Pay Before Seeing Doctor as Deductibles Spread

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by FederalRepublic View Post
    I've done both. Mine was within 10 or 15% of what the insurance company rate was. Nowhere near enough to cover my premium + deductible.
    You beat the odds. Insurance is for the times you don't. And you have no idea what the insurance company rate was. So please don't pretend you do.

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by MaggieD View Post
    You beat the odds. Insurance is for the times you don't. And you have no idea what the insurance company rate was. So please don't pretend you do.
    I do know exactly what the insurance company rate was. If you ever care to know what yours are, the admin at your doctor's office will be able to look it up and tell you. It's not something you need a super-secret decoder ring to find out. Most people just can't be bothered to give a **** as long as they're able to get somebody else to pay their bill...

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by FederalRepublic View Post
    I do know exactly what the insurance company rate was. If you ever care to know what yours are, the admin at your doctor's office will be able to look it up and tell you. It's not something you need a super-secret decoder ring to find out. Most people just can't be bothered to give a **** as long as they're able to get somebody else to pay their bill...
    The insurance company sends a Explanation of Medical Benefits form that gives the amount billed, the amount written off (usually at least 2/3) and the amount the patient still owes. Most people probably just look at what they still owe, but the amount billed is quite revealing. If you're paying cash, I wonder if you're liable for the entire amount?
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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by Dittohead not! View Post
    The insurance company sends a Explanation of Medical Benefits form that gives the amount billed, the amount written off (usually at least 2/3) and the amount the patient still owes. Most people probably just look at what they still owe, but the amount billed is quite revealing. If you're paying cash, I wonder if you're liable for the entire amount?
    If you're paying cash, they will give you a discount as well. Ask next time you go to the doctor's office. I'm not real sure what would happen if they billed you the full amount and pressed the case in court. My guess is they would win legally, but I think enough of them have questionable billing practices that they don't want to expose to discovery...

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by FederalRepublic View Post
    If you're paying cash, they will give you a discount as well. Ask next time you go to the doctor's office. I'm not real sure what would happen if they billed you the full amount and pressed the case in court. My guess is they would win legally, but I think enough of them have questionable billing practices that they don't want to expose to discovery...
    They may give you a discount. They may not. If they don't have a procedure in place for that discount, you're not likely to see it. At least, that's been my experience. I have a $5,200 deductible policy. Pretty straight forward. I pay the first $5,200 a year -- the insurance pays everything else. At first, I would simply PAY for a doctor visit, not anticipating that I would meet my deductible that year. I asked for a discount and was refused. The office charge was $130.

    Then someone told me I should be running EVERYTHING through my insurance company so I wouldn't have to backtrack if I DID meet the deductible. The insurance company discounted the $130 to $50 (or something like that) and said, "We're applying the $50 to your deductible." And that was all I paid the provider.

    Insurance companies have contractual arrangements with providers. Doctors don't care if they get the money from YOU or from your insurance company. But if you don't run it through an insurance company, you're not likely to get the benefit of the steep discount they'd give Blue Cross Blue Shield.

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by sawyerloggingon View Post
    My mom just told me about this. Her new doctor she was forced to have because of Obama care demands payment upfront.
    BS!!!!!!! The ACA does NOT demand payment upfront, the doctor/hospital does. If you are 61 your mother should qualify for medicare/aid. You tell some 'interesting' stories!

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by notquiteright View Post
    BS!!!!!!! The ACA does NOT demand payment upfront, the doctor/hospital does. If you are 61 your mother should qualify for medicare/aid. You tell some 'interesting' stories!
    Medicare starts at 65, not 61.
    and ACA does require that you pay the premium.

    Edit: Oh, I see it is the son that is 61, so Mom does, indeed qualify for Medicare. Medicare, however, is not free, there is a premium to pay, and it only pays 80% of medical bills.
    Last edited by Dittohead not!; 10-20-13 at 11:31 AM.
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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Can we just wait until January 1st until we start screaming that people are being screwed, or employers are dropping employee hours, or doctors are changing this policy or that one.

    What a lot of people have not figured out is that a lot of people are just using this law as cover for things they intended to do anyways. Until we see how many people sign up and what its actual long term effects are we will not know.

    I don't like Obamacare, especially as a younger male, but I definitely don't like all this fake media crap.
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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by trfjr View Post
    Patients Pay Before Seeing Doctor as Deductibles Spread - Bloomberg

    wasn't Obama care supposed to keep the uninsured from flocking to the emergency rooms for any little illness?
    Now it will be the insured and uninsured doing just that because they cant afford the deductibles and co-pay
    so there goes another liberal talking point down the drain
    Just more CON games

    The ACA insurance plans have not gone into effect, won't til jan. Next the very poor will be absorbed into medicaid/care so they will be covered. ER rooms do not have to treat 'any little illness'. This is the actions of a few doctors and hospitals as they see more people getting a very quick education and shock on just how much health insurance really costs their employer.

    The 'fix' isn't CON mockery but a limit on how much a doctor or hospital can charge for an initial visit. The pay upfront policy was in effect BEFORE the ACA, just now CONs are seizing on it now that the ACA will soon be in effect.

    Pure CON nonsense and another CON talking point down the drain.

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by Dittohead not! View Post
    Medicare starts at 65, not 61.and ACA does require that you pay the premium. Edit: Oh, I see it is the son that is 61, so Mom does, indeed qualify for Medicare. Medicare, however, is not free, there is a premium to pay, and it only pays 80% of medical bills.
    Sawyer tells some interesting stories about his income and what the ACA will do... I am to the point if he said the sky was blue I'd have to take a peek myself.

    You are thinking of the 'Part D' medicare coverage that pays for drugs. Part A medicare is free if you receive or are eligible for SSI or railroad retirement. Part B costs those making a REPORTABLE income of 85K per person or 170K as a couple or under- 104.90 a month. Not a big expense.

    The issue some doctors have with medicare is the doctor must agree to only charge what medicare is willing to pay. Some doctors refuse to see medicare patients.

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