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(Time)   Why your medical bills are going to kill you   (healthland.time.com) divider line 45
    More: Obvious, medical bills, advance payment, Memorial Sloan-Kettering Cancer Center, non-Hodgkin's lymphoma, central business district, marine transfer operations, health care markets, Texas Medical Center  
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2021 clicks; posted to Business » on 21 Feb 2013 at 9:49 AM (1 year ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



45 Comments   (+0 »)
   
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2013-02-21 09:40:50 AM
What a ridiculous story.   We already have universal health care. They should have just went to the ER.  They have to treat everyone, you know.

/snark
 
2013-02-21 09:53:34 AM
Well yes. Even if you have insurance, eventually it will stop paying for one reason or another. If you have assets, you don't qualify for collectivist social system insurance -- you must liquidate your assets to qualify.
The system is designed to extract all of the wealth from its victims when they get old and sick.
For almost all Americans, the future includes getting sick and going broke -- being bled to death financially -- then dying with nothing.

Enjoy!
And have a nice day!
 
2013-02-21 10:06:39 AM
Don't like it? Go buy your prescription drugs in an open and free market, accept that if the doctor makes a mistake he doesn't owe you a million dollars because accidents sometimes happen and life is risky and reap the savings. Oh wait, that's illegal and you don't have that option. Sucks to be you I guess.
 
2013-02-21 10:23:56 AM
I buy my prescription drugs on ebay.

/Ok, not really.
 
2013-02-21 10:30:24 AM
www.fbcustom.meUSA...USA...USA
 
2013-02-21 10:39:55 AM
Healthcare? What's that? I'll go to the doctor when I have a serious reason to do so, meanwhile I'll just ignore the little things in-between!
 
2013-02-21 10:40:26 AM
Reading articles like that just makes me sick.  We live in a corrupt and disgusting society, yet nobody will do anything about it because the ones most impacted are the poor, and they have no power to fight back.
 
2013-02-21 10:42:35 AM
FTFA: When I asked MD Anderson to comment on the charges on Recchi's bill, the cancer center released a written statement that said in part, "The issues related to health care finance are complex for patients, health care providers, payers and government entities alike ... MD Anderson's clinical billing and collection practices are similar to those of other major hospitals and academic medical centers."

It's not that complicated. What it *is* however, is compensation for a lot of freebies people manage to run off with. This hospital isn't just doing that though, they're actively trying to make a profit. $531 million on a $2.05 billion revenue. That kind of profit margin is better than PEPSI for God's sake!

I believe to my core that medicine and insurance should NEVER be for profit or at the very least have a profit cap so they can cover for bad years later.
 
2013-02-21 11:01:21 AM
ajgeek:I believe to my core that medicine and insurance should NEVER be for profit or at the very least have a profit cap so they can cover for bad years later.

The thing is: what bad years?  Health care is ALWAYS going to be in demand.  It's not like people are going to just stop getting hurt or stop getting sick; there will always be a need for treating the injured.  The entire industry needs to be regulated so that services are provided at cost with only a small margin built in to replace aging or broken equipment.  If the problem is not enough doctors, then we need to have an initiative to educate more people in the healthcare field.

As it is right now, it is a completely bullshiat and bogus market.  $450 a month for health insurance?  Are you farking kidding me?  Add that to rent, utilities and food budget and a normal family isn't going to have jack shiat leftover for anything.  That's the new American Dream:  get a job as a cog in a machine that eats up a majority of your waking hours so you can afford to come home to a place with at least a roof over your head and some basic nutrition, stare at a glowing screen for a couple hours and then go to bed to start the cycle anew.  This farking country is stagnating because people can't afford to think outside the box.  Doing something new costs money.  Moving to a new place costs money.  Starting a business costs money.  Buying a new suit to show up groomed to an interview costs money.  None of this is possible for someone whose every bit of income is taken up by covering the basic needs that will keep them alive.  When is something going to be farking done about this?
 
2013-02-21 11:11:00 AM

StrangeQ: ajgeek:I believe to my core that medicine and insurance should NEVER be for profit or at the very least have a profit cap so they can cover for bad years later.

The thing is: what bad years?  Health care is ALWAYS going to be in demand.  It's not like people are going to just stop getting hurt or stop getting sick; there will always be a need for treating the injured.  The entire industry needs to be regulated so that services are provided at cost with only a small margin built in to replace aging or broken equipment.  If the problem is not enough doctors, then we need to have an initiative to educate more people in the healthcare field.

As it is right now, it is a completely bullshiat and bogus market.  $450 a month for health insurance?  Are you farking kidding me?  Add that to rent, utilities and food budget and a normal family isn't going to have jack shiat leftover for anything.  That's the new American Dream:  get a job as a cog in a machine that eats up a majority of your waking hours so you can afford to come home to a place with at least a roof over your head and some basic nutrition, stare at a glowing screen for a couple hours and then go to bed to start the cycle anew.  This farking country is stagnating because people can't afford to think outside the box.  Doing something new costs money.  Moving to a new place costs money.  Starting a business costs money.  Buying a new suit to show up groomed to an interview costs money.  None of this is possible for someone whose every bit of income is taken up by covering the basic needs that will keep them alive.  When is something going to be farking done about this?


And then the fact that even if you spend all your money on health insurance, you might still not be covered when you get sick.
 
2013-02-21 11:11:10 AM

StrangeQ: Reading articles like that just makes me sick.  We live in a corrupt and disgusting society, yet nobody will do anything about it because the ones most impacted are the poor, and they have no power to fight back.


Actually, even the poor are better off and take full advantage.  This should in no way be construed as a GOP-style defense of hospital gouging practices, but the way they use ERs for free care is part of the problem.  The hospitals are actually pinned down by the law here; they have to admit these people and they're not going to recoup the costs even if they sold the debts to collectors.  About the only thing they can do is make the poor wait, and they do -- most hospitals employ triage nurses that do basic diagnostics, and if you're stable (and believe me, it's REALLY easy to tell who's faking it no matter how hard they try) you will wait for hours.  The poor, however, are often willing to pay this price because it's not like they have anything to lose.

The healthcare industry is at its ugliest when it faces the lower middle working class -- enough assets that they're worth going after, but not quite so old/poor that they qualify for entitlement programs or can play the waiting game.  Those are the people that get the 500% markups on everything, as you can actually squeeze $100k from a lower-class working family.  You have to be completely psychopathic to do it; it results in complete financial ruin to not only the patient but the children as well, but it's not in the hospital's nature to care.  Medical care, especially life-saving care, has highly inelastic demand and like any industry run by psychopaths, hospitals take full advantage.  The flaw of privatizing health care was evident to me in basic economics classes in the seventh grade -- there's no market pressure with inelastic demand; people who are literally dying will agree to anything.  But these victims comprise a relatively small slice of voters (I'd roughly guess 5-10%, so millions of Americans but not enough for any particular demographic to care en masse) and most Americans are as short-sighted as fark, so there's not much political will to do anything.
 
2013-02-21 11:26:13 AM

dragonchild: The healthcare industry is at its ugliest when it faces the lower middle working class -- enough assets that they're worth going after, but not quite so old/poor that they qualify for entitlement programs or can play the waiting game.  Those are the people that get the 500% markups on everything, as you can actually squeeze $100k from a lower-class working family.  You have to be completely psychopathic to do it; it results in complete financial ruin to not only the patient but the children as well, but it's not in the hospital's nature to care.  Medical care, especially life-saving care, has highly inelastic demand and like any industry run by psychopaths, hospitals take full advantage.  The flaw of privatizing health care was evident to me in basic economics classes in the seventh grade -- there's no market pressure with inelastic demand; people who are literally dying will agree to anything.  But these victims comprise a relatively small slice of voters (I'd roughly guess 5-10%, so millions o ...


And THAT is the problem.  Although I would say it is not run by psychopaths, but sociopaths because they do. not. care.  We have allowed capitalism to run to its sickest and most depraved conclusion: those with the power take all that they can, those without it are left to suffer.  That's not the way to run a healthy society.  That's not the way to farking run anything, but those with the power have solidified it to such an extent that overthrowing it would require a monumental and unified effort by a majority of the population in this country.  But if there is anything we have proven in recent years, it is that the only thing we are unified on is that a majority of the people in this country would just as soon kick you in the stomach and spit in your face than lend a helping hand out of simple kindness.  We have become so mired by pride and petty bickering that we will refuse to help ourselves because it might mean having to reach out and admit that we are flawed.
 
2013-02-21 11:52:18 AM
FTFA: When we debate health care policy, we seem to jump right to the issue of who should pay the bills, blowing past what should be the first question: Why exactly are the bills so high?

Because private companies are running your healthcare. That's why.

Some things should not be run by the private sector. Healthcare is one of them.
 
2013-02-21 12:00:52 PM

BigSlowTarget: Don't like it? Go buy your prescription drugs in an open and free market, accept that if the doctor makes a mistake he doesn't owe you a million dollars because accidents sometimes happen and life is risky and reap the savings. Oh wait, that's illegal and you don't have that option. Sucks to be you I guess.


What the hell are you taking about? If you are admitted to hospital, you cannot just walk out to buy drugs. How can you even remotely justify the mark ups on the drugs? For medical malpractice, they have insurance to cover that. Trust me doctors DO make lot of mistakes and get away with it because an average patient will not know the mistakes. Its only in most egregious cases they get sued. Even if lawsuits is a problem, we should not create a bigger crisis to solve one problem. Fix the lawsuit issue separately.
 
2013-02-21 12:04:51 PM

ajgeek: This hospital isn't just doing that though, they're actively trying to make a profit. $531 million on a $2.05 billion revenue. That kind of profit margin is better than PEPSI for God's sake!


Don't forget that the tens of millions going to the administrators isn't included in this 'profit margin', since those are business expenses.
 
2013-02-21 12:07:52 PM

BigSlowTarget: accept that if the doctor makes a mistake he doesn't owe you a million dollars because accidents sometimes happen


Of course, that's not possible in 40+ states, most of which, like Texas in the article, have had much lower tort caps than a million in place for decades.  Honestly, you'll have a hard time finding a high-end lawyer to run a med-malpractice suit for you in most states, the payouts are so capped.

Which doesn't seem to have solved much, but a valiant effort.
 
2013-02-21 12:31:28 PM
I paid $481 for unneeded medical tests ordered without my consent, so I'm getting a kick out of these replies...

/switched doctors
//sent a strongly worded letter
///considering an ethics complaint
 
2013-02-21 12:50:53 PM
My crystal healing only costs $25 for an hour's worth of work. And it's been statistically proven to be no less ineffective than a placebo. You can't lose!

/Cash only
 
2013-02-21 12:54:55 PM
The fact that this article has only 18 comments on it is an excellent example of why Americans get so farked over when it comes to healthcare.
 
2013-02-21 01:00:19 PM

mesmer242: I paid $481 for unneeded medical tests ordered without my consent, so I'm getting a kick out of these replies...

/switched doctors
//sent a strongly worded letter
///considering an ethics complaint


DO IT. Doctors act like Gods and need a reminder that there still human.

My Dad's a doctor and I work in a hospital now, there are a lot of crappy doctors out there who only got into it for the money and prestige so YOU have to be your advocate.

If you are going to the emergency room you need someone you trust there with you to ask questions and fight for your behalf.

/Need Universal Health Care
//Therapists are awesome drinking buddies
 
2013-02-21 01:19:56 PM
I will set aside time today to read this piece, in spite of the fact that the author is a raging asshole megalomaniac. That's because he's a damn good journalist with an eye for opportunity. You'll know he really cares about the topic when he invests in it. Remember Clear, his version of a trusted ID program? He wrote a piece about the topic, then got the business going when it looked like there was interest.

In short, I'm betting there's a opportunity for Steve Brill to make money in health care, and he's laying some groundwork with this article. His track record of late hasn't been so encouraging, however.
 
2013-02-21 01:23:03 PM
0Snarcoleptic_Hoosier

 My crystal healing only costs $25 for an hour's worth of work. And it's been statistically proven to be no less ineffective than a placebo. You can't lose!


Yeah but then you will look like an eggplant.
 
2013-02-21 01:36:39 PM
As someone with no insurance, I'm getting a kick.

Coverage at my job would cost about 400 dollars a month. My rent is 550. Car payment of 170. I make 1700.

If I want to eat adequately, I just have to take my chances, I guess.

Here's to hoping that, if I do get really sick, it kills me quickly.
 
2013-02-21 01:44:42 PM
//The rapists are awesome drinking buddies

They always leave my butt sore in the morning.
 
2013-02-21 01:58:52 PM
That was really farking depressing.

/glad my old-school retirement includes a comprehensive major medical plan
 
2013-02-21 02:31:35 PM
I've long given up trying to extole the virtues of Canada's Universal health care to those who are staunchly against it because socialism!! ??, but my wife will occasionally get into similar arguments with others, usually on Facebook and Twitter. It's cute to see her get riled up like that.

One of her fav talking points is "no Canadian ever went broke trying to pay for cancer treatments"
 
2013-02-21 03:02:27 PM
As someone who had to file for bankruptcy because of my medical bills (that my insuramce carrier refused to pay) I'm not getting a kick...
 
2013-02-21 03:57:00 PM

shortymac: mesmer242: I paid $481 for unneeded medical tests ordered without my consent, so I'm getting a kick out of these replies...

/switched doctors
//sent a strongly worded letter
///considering an ethics complaint

DO IT. Doctors act like Gods and need a reminder that there still human.

My Dad's a doctor and I work in a hospital now, there are a lot of crappy doctors out there who only got into it for the money and prestige so YOU have to be your advocate.

If you are going to the emergency room you need someone you trust there with you to ask questions and fight for your behalf.

/Need Universal Health Care
//Therapists are awesome drinking buddies


To be clear, this was not during an ER visit. This was a visit to a specialist that I'd used for a long time, but they decided I just needed to have some genetic testing... without asking me for consent beforehand, or giving me the results afterward. Yeah, I know how many ethics guidelines that breaks! I'm going to be nice and wait for the response to my letter though (I'm hoping for an apology and a check which clearly makes me an optimist). If I haven't heard anything in a few weeks, it's ethics board time. Their genetic testing rep must be really hot and/or stop by with really fantastic lunches.

miscreant: The fact that this article has only 18 comments on it is an excellent example of why Americans get so farked over when it comes to healthcare.


To be fair, it's a really long article. But I did send it to a family member to read, who found it as intriguing as I did. I read a book a few years ago that advocated switching doctors to salary so some of the information was similar, but I do agree very much that there is too much markup and not enough transparency in the current process. I wish I had the background/skills to be a billing advocate because I would absolutely love to help people in that way.
 
2013-02-21 04:24:02 PM
Coming up next, why supermarkets are evil. You need food to live and they make a profit. Horrifying.
 
2013-02-21 04:44:12 PM

Nexzus: One of her fav talking points is "no Canadian ever went broke trying to pay for cancer treatments"


She fundamentally misunderstands this "debate".  There are TWO propaganda claims trotted out against any argument in favor of government anything within the U.S. is that the government will do two things:  #1, take your money, and #2, do nothing to help you (or arrest you).

Sure, everyone is being told that health care costs will go up if it's managed by government, but lobbyists would slander their own spouses for a paycheck and healthcare costs are going up anyway, so that's not really driving the antipathy to UHC.  No, what Americans are told about Canadian healthcare is that Canadians are denied treatment to the extent that they flee to the U.S. for our "superior" healthcare because otherwise they'd be left to die like dogs.
 
2013-02-21 04:47:53 PM

tdyak: //The rapists are awesome drinking buddies

They always leave my butt sore in the morning.


Jesus Christ! I meant therapist!

Horrible autocorrect
 
2013-02-21 05:01:29 PM

mesmer242: shortymac: mesmer242: I paid $481 for unneeded medical tests ordered without my consent, so I'm getting a kick out of these replies...

/switched doctors
//sent a strongly worded letter
///considering an ethics complaint

DO IT. Doctors act like Gods and need a reminder that there still human.

My Dad's a doctor and I work in a hospital now, there are a lot of crappy doctors out there who only got into it for the money and prestige so YOU have to be your advocate.

If you are going to the emergency room you need someone you trust there with you to ask questions and fight for your behalf.

/Need Universal Health Care
//Therapists are awesome drinking buddies

To be clear, this was not during an ER visit. This was a visit to a specialist that I'd used for a long time, but they decided I just needed to have some genetic testing... without asking me for consent beforehand, or giving me the results afterward. Yeah, I know how many ethics guidelines that breaks! I'm going to be nice and wait for the response to my letter though (I'm hoping for an apology and a check which clearly makes me an optimist). If I haven't heard anything in a few weeks, it's ethics board time. Their genetic testing rep must be really hot and/or stop by with really fantastic lunches.

miscreant: The fact that this article has only 18 comments on it is an excellent example of why Americans get so farked over when it comes to healthcare.

To be fair, it's a really long article. But I did send it to a family member to read, who found it as intriguing as I did. I read a book a few years ago that advocated switching doctors to salary so some of the information was similar, but I do agree very much that there is too much markup and not enough transparency in the current process. I wish I had the background/skills to be a billing advocate because I would absolutely love to help people in that way.


WOW, that's horrible. The ER advice is general advice for everyone, I'm very lucky to have my Dad as a doctor and a nurse Aunt and MIL to advocate for me.

All Doctors HATE insurance companies, and it's one of the reasons why so many are selling their individual practices and joining hospitals instead. They always try to NOT pay up, which wastes money and time for individual practices fighting them.
 
2013-02-21 05:10:23 PM

dragonchild: Nexzus: One of her fav talking points is "no Canadian ever went broke trying to pay for cancer treatments"

She fundamentally misunderstands this "debate".  There are TWO propaganda claims trotted out against any argument in favor of government anything within the U.S. is that the government will do two things:  #1, take your money, and #2, do nothing to help you (or arrest you).

Sure, everyone is being told that health care costs will go up if it's managed by government, but lobbyists would slander their own spouses for a paycheck and healthcare costs are going up anyway, so that's not really driving the antipathy to UHC.  No, what Americans are told about Canadian healthcare is that Canadians are denied treatment to the extent that they flee to the U.S. for our "superior" healthcare because otherwise they'd be left to die like dogs.


I'm an American living in Canada, while I got my Parents to admit that our healthcare system is better than the States, they still don't want UHS in the US.

They claim that it simply "won't work" and that the illegals and poors will ruin it for everyone. I try and remind them of the time when we were dirt poor because of my handicapped brother's MEDICAL BILLS and when we couldn't afford insurance. It still hasn't sunk in yet.

My Dad hates insurance companies as well, he has a pipe dream where everyone is gonna pay cash for everything.

/I think we're going to do a "Talking to Canadians" series to show how non-scary it is.
 
2013-02-21 05:23:22 PM

mesmer242: I paid $481 for unneeded medical tests ordered without my consent, so I'm getting a kick out of these replies...

/switched doctors
//sent a strongly worded letter
///considering an ethics complaint


Do it. This also happened to me on a much smaller scale. I went in for my annual insurance paid physical. The doctor ordered tests not part of that physical without my consent and billed me. They threatened to send me to collections if I didn't pay. I told them I wasn't going to pay, so they sent me to collections over $5.00 and sent me a letter stating to me they would no longer be providing services die to our disagreement. The collections agency threatened to ding my credit score, so I wrote a strongly worded letter to both doctor and collection agency about ethics and professional conduct. What a bunch of buttholes. Yeah, it was only $5, but patients need to stand up for their rights. It's the principle not the money that's the big deal for me.
 
2013-02-21 05:43:54 PM

Stone Meadow: That was really farking depressing.

/glad my old-school retirement includes a comprehensive major medical plan


You don't think you're going to get to keep that, do you?
 
2013-02-21 05:49:20 PM

Dubya's_Coke_Dealer: Stone Meadow: That was really farking depressing.

/glad my old-school retirement includes a comprehensive major medical plan

You don't think you're going to get to keep that, do you?


Being a Federal gummint retiree does have its perks... ;^)
 
2013-02-21 05:56:33 PM

dragonchild: No, what Americans are told about Canadian healthcare is that Canadians are denied treatment to the extent that they flee to the U.S. for our "superior" healthcare because otherwise they'd be left to die like dogs.


That's just sad. Like, truly sad. It is true that our healthcare system won't pay for some bleeding edge experimental treatments, especially when there are more well known conventional treatments which are covered. This leads to unfortunate headlines which I gather are picked up by American pundits. I guess sick kids make for greating talking points. But for 99% of us for 99% of our issues, it's there when we need it, it's good enough and it's "free".

My cost for an emergency c-section for my firstborn back in October '11? $12/day for parking.
 
2013-02-21 06:37:58 PM

Nexzus: That's just sad. Like, truly sad. It is true that our healthcare system won't pay for some bleeding edge experimental treatments, especially when there are more well known conventional treatments which are covered. This leads to unfortunate headlines which I gather are picked up by American pundits. I guess sick kids make for greating talking points. But for 99% of us for 99% of our issues, it's there when we need it, it's good enough and it's "free".


You know what's hilarious though?  Americans have the gall to make fun of North Korea for their hyperbolic propaganda.  Granted the political and economic systems are vastly different, but in terms of propaganda, America doesn't play second fiddle to even tinpot dictatorships.
 
2013-02-21 07:04:36 PM

Nexzus: dragonchild: No, what Americans are told about Canadian healthcare is that Canadians are denied treatment to the extent that they flee to the U.S. for our "superior" healthcare because otherwise they'd be left to die like dogs.

That's just sad. Like, truly sad. It is true that our healthcare system won't pay for some bleeding edge experimental treatments, especially when there are more well known conventional treatments which are covered. This leads to unfortunate headlines which I gather are picked up by American pundits. I guess sick kids make for greating talking points. But for 99% of us for 99% of our issues, it's there when we need it, it's good enough and it's "free".

My cost for an emergency c-section for my firstborn back in October '11? $12/day for parking.


Ha! We got free parking when we had our kid! USA!! Which totally doesn't make up for the four thousand dollars we spent out of pocket for a natural delivery.
 
2013-02-22 12:25:37 AM
So much for 'Do No Harm'. The only thing that could be worse is if the Ferengi were in charge.

/gets neck operated on on tuesday
//disk chips floating in the spinal shaft hurt like a mo-fo
 
2013-02-22 01:15:19 AM
We had excellent BCBS coverage when our son was born in '92. I think we had to pay a grand total of $10 or something like that. The baby was born within an hour of our arrival at the hospital and everything went very well. No special care for me or the baby and we went home in under 48 hours. A few weeks later, I got a copy of the bill from the hospital. The first FIVE pages were all kinds of meds and "comfort items" I supposedly received. Um, no. To ingest that many $8 Tylenols I would have had to eat them by the handful all day long and other than a few bed pads, I didn't recall much being offered for my comfort. I called the hospital to see if there was a mistake and was told that they use a standard package for most delivery moms because "it's more efficient for the billing process." I ended up calling BCBS to let them know they were being soaked for thousands in bogus charges. I don't know if anything ever came of it.

On the other end of the spectrum, I need carpal tunnel surgery. My family doctor lined me up with a surgeon so I called to see how much out of pocket to expect. (Same BCBS as 20 years ago but it's not as easy to know they will cover these days.) The woman I spoke with thought it was odd that I'd call and ask that, then told me she had no idea how to calculate how much it might be. She suggested that I give them my credit card info when I come in for my appointment and then they'll just submit any charges that insurance won't cover so I won't have to worry about it. Gee, what a great idea!
 
2013-02-22 08:28:52 AM
My son has a chronic illness and was hospitalized a couple of times last year.  What burns me up is the fact he was taking a pill that cost $77.50 per tablet.  He was taking nine a day.  I got the bill and about had a stroke since my co-pay is normally only $15 for a 30 day supply.  I pay out almost 30 percent of my income for insurance and still get gouged.
 
2013-02-22 09:42:16 AM

Enthusiast34: Coming up next, why supermarkets are evil. You need food to live and they make a profit. Horrifying.


They seem to make a lot of profit for a non-profit organization...
 
2013-02-22 11:23:50 AM

MiniFlyingMonkeys: We had excellent BCBS coverage when our son was born in '92. I think we had to pay a grand total of $10 or something like that. The baby was born within an hour of our arrival at the hospital and everything went very well. No special care for me or the baby and we went home in under 48 hours. A few weeks later, I got a copy of the bill from the hospital. The first FIVE pages were all kinds of meds and "comfort items" I supposedly received. Um, no. To ingest that many $8 Tylenols I would have had to eat them by the handful all day long and other than a few bed pads, I didn't recall much being offered for my comfort. I called the hospital to see if there was a mistake and was told that they use a standard package for most delivery moms because "it's more efficient for the billing process." I ended up calling BCBS to let them know they were being soaked for thousands in bogus charges. I don't know if anything ever came of it.

On the other end of the spectrum, I need carpal tunnel surgery. My family doctor lined me up with a surgeon so I called to see how much out of pocket to expect. (Same BCBS as 20 years ago but it's not as easy to know they will cover these days.) The woman I spoke with thought it was odd that I'd call and ask that, then told me she had no idea how to calculate how much it might be. She suggested that I give them my credit card info when I come in for my appointment and then they'll just submit any charges that insurance won't cover so I won't have to worry about it. Gee, what a great idea!


They tried the "standard package" on my parents when I was born in 86.

They didn't have health insurance (Self-Employed Doctor) and were paying out of pocket so they left 3 hours after I was born, spent less than 12 hours there.

Got a bill for a 3 day stay and used the same line. Dad called bullshiat, revealed he was a doctor and knew the game, and billed us the right amount.
 
2013-02-22 01:23:32 PM
Waddaya mean?  Our healthcare system is fine!  This fool could've avoided the whole issue if they just planned ahead!  God!
 
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