Page 25 of 25 FirstFirst ... 15232425
Results 241 to 249 of 249

Thread: Patients Pay Before Seeing Doctor as Deductibles Spread

  1. #241
    Sage
    Dittohead not!'s Avatar
    Join Date
    Dec 2009
    Location
    The Golden State
    Last Seen
    Today @ 04:09 PM
    Gender
    Lean
    Libertarian
    Posts
    41,589

    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by notquiteright View Post
    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.
    Yes, I'm aware that he likes to tell stories.

    Here's another story that just happens to be true: I'm on Medicare, don't make 85K individually, my wife and I together don't make 170K. We pay a little over $100 a month each for Medicare part B. It's not a huge burden, no, but neither is it free. The cost also goes up as the patient's age goes up.

    Yet another: Medicare pays only 80%. Doctors don't charge just what Medicare will pay, but that plus the patient's 20%. That's why seniors still need a supplement. If the doctor's visit is $100, and Medicare pays $80, that's not a big deal, but if the cancer cure costs $200,000 and Medicare pays $160,000, most of us will need some help.
    "Donald Trump is a phony, a fraud... [he's] playing the American public for suckers." Mitt Romney

  2. #242
    Sage

    Join Date
    Mar 2012
    Location
    okla-freakin-homa
    Last Seen
    Today @ 03:23 PM
    Gender
    Lean
    Progressive
    Posts
    12,634

    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by Dittohead not! View Post
    Yes, I'm aware that he likes to tell stories.Here's another story that just happens to be true: I'm on Medicare, don't make 85K individually, my wife and I together don't make 170K. We pay a little over $100 a month each for Medicare part B. It's not a huge burden, no, but neither is it free. The cost also goes up as the patient's age goes up. Yet another: Medicare pays only 80%. Doctors don't charge just what Medicare will pay, but that plus the patient's 20%. That's why seniors still need a supplement. If the doctor's visit is $100, and Medicare pays $80, that's not a big deal, but if the cancer cure costs $200,000 and Medicare pays $160,000, most of us will need some help.
    Perhaps I didn't type very well.... you have to make OVER the 85/170K in taxable income to pay more than 104.90 a month for Part B. here in Oklahoma a doctor may not charge more than what Medicare pays. We have doctors who refuse to take Medicare patients because of that restriction.

    Given my wife and I once had an insurance policy with a 5K deductible with no AFLAC type riders and an 70/30 copay that cost us about 550 a month I am not going to bemoan the Medicare plans like our Dear Sawyer....

  3. #243
    Sage
    Dittohead not!'s Avatar
    Join Date
    Dec 2009
    Location
    The Golden State
    Last Seen
    Today @ 04:09 PM
    Gender
    Lean
    Libertarian
    Posts
    41,589

    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by notquiteright View Post
    Perhaps I didn't type very well.... you have to make OVER the 85/170K in taxable income to pay more than 104.90 a month for Part B. here in Oklahoma a doctor may not charge more than what Medicare pays. We have doctors who refuse to take Medicare patients because of that restriction.

    Given my wife and I once had an insurance policy with a 5K deductible with no AFLAC type riders and an 70/30 copay that cost us about 550 a month I am not going to bemoan the Medicare plans like our Dear Sawyer....
    Medicare is a good deal for seniors, no question.
    I wasn't aware of your Oklahoma laws. Here in California, Medicare patients have no problems finding doctors, at least my parents never did and I don't either.

    I have a friend who is 60, not old enough for Medicare, and who had the temerity to actually start a small business of his own. He pays 2 grand a month for a policy that kicks in after the first $25,000. Now, that's the sort of thing that needs to be addressed, as it discourages people from leaving the corporate world and striking out on their own.

    The root of the problem with health care is cost, and the dependence on employer paid insurance. Obamacare just treats the symptoms, not the cause. It is neither panacea nor a disaster. All it does is make it possible for more people to have medical insurance.
    "Donald Trump is a phony, a fraud... [he's] playing the American public for suckers." Mitt Romney

  4. #244
    Guru

    Join Date
    Sep 2010
    Last Seen
    09-24-17 @ 04:35 PM
    Lean
    Moderate
    Posts
    2,942

    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by MaggieD View Post
    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.
    It's true that doctors don't care where the money comes from, but they do care when it comes and how many people they have to pay to collect it. That's why they have discounts for cash patients. My dermatologist will not even take insurance payments...

  5. #245
    Educator
    Slyhunter's Avatar
    Join Date
    Apr 2013
    Location
    Florida
    Last Seen
    06-22-15 @ 03:30 PM
    Gender
    Lean
    Libertarian - Right
    Posts
    1,041

    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    My sister just found out she has to pay a co-pay of $290 for her medicaid once ACA is launched. You have to make less than $500 a month to be exempt from paying it. People are going to be pissed.
    Islam is an antiquated religion and needs to either modernize with the times or be completely eradicated.
    There are two types of Muslims, terrorists, and their enablers. They need to fix that if they want to be part of civilized society.

  6. #246
    Sage



    Join Date
    May 2013
    Last Seen
    Today @ 02:20 PM
    Gender
    Lean
    Progressive
    Posts
    12,300

    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by MaggieD View Post
    If the mother goes to the ER, she's still going to pay her deductible. But instead of a $30 co-pay at her doctor? She's on the hook for the $1,500 the ER charges until she's satisfied her deductible.

    ??

    I mean, really. If you don't have a $30 co-pay for the doctor visit? You shouldn't be having kids. Right?
    What I do not get is that you will get more out of a trip to your primary MD that knows you than spending hours of your time for a non emergency visit to a high priced ER.

    Find a good Primary MD and stick with him.

  7. #247
    Sage



    Join Date
    May 2013
    Last Seen
    Today @ 02:20 PM
    Gender
    Lean
    Progressive
    Posts
    12,300

    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by Slyhunter View Post
    My sister just found out she has to pay a co-pay of $290 for her medicaid once ACA is launched. You have to make less than $500 a month to be exempt from paying it. People are going to be pissed.
    Can you post a link to this information?

    What state is she in?

  8. #248
    Sage
    Dittohead not!'s Avatar
    Join Date
    Dec 2009
    Location
    The Golden State
    Last Seen
    Today @ 04:09 PM
    Gender
    Lean
    Libertarian
    Posts
    41,589

    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by year2late View Post
    Can you post a link to this information?

    What state is she in?
    Sounds to me like a state of confusion.
    "Donald Trump is a phony, a fraud... [he's] playing the American public for suckers." Mitt Romney

  9. #249
    Sage



    Join Date
    May 2013
    Last Seen
    Today @ 02:20 PM
    Gender
    Lean
    Progressive
    Posts
    12,300

    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by Slyhunter View Post
    My sister just found out she has to pay a co-pay of $290 for her medicaid once ACA is launched. You have to make less than $500 a month to be exempt from paying it. People are going to be pissed.
    Quote Originally Posted by year2late View Post
    Can you post a link to this information?

    What state is she in?
    Quote Originally Posted by Dittohead not! View Post
    Sounds to me like a state of confusion.
    It does sound like we are missing some information

Page 25 of 25 FirstFirst ... 15232425

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •