fat_free: Words of advice:1. HAVE EVERY BILL PHYSICALLY MAILED TO YOU AND KEEP THEM IN A FOLDER, THEN COMPARE YOUR PAYMENTS FROM THE INSURANCE COMPANY AND YOUR CO-PAYS TO WHAT THE MEDICAL PROVIDER SAYS YOU PAID AND WHAT YOU OWE.Medical billing people suck donkey dong, they're always screwing up the bills against you, and will try to say you didn't make payments, etc. Also, health insurance companies will make a payment, then they'll reverse it and the provider will try to get you to pay it, even though you're covered. Currently dealing with an orthopedic place that keeps farking up the bills -- and it's not fun. If you don't have a record of what you paid and what you owe, it's hard to keep track.2. ALWAYS PAY BY CHECK/NEVER GIVE A DEBIT CARDPaying by check is perfectly acceptable at most places. However, in many doctor's offices they may require you to provide a card, and there's fine print that says "You permit us to charge the card on file for your balance". If you have like a Visa gift card or an HSA card or something, use that. NEVER a debit card.3. REVIEW YOUR EOB, AND CALL IF SOMETHING IS NOT RIGHTInstead of throwing it away, review and make sure that they covered the amount on the bill. If something is off, give them a call.4. IF ON A PAYMENT PLAN, PAY A DIFFERENT AMOUNT EVERY SINGLE TIMEI'm on a payment plan with my dentist, and a minimum of $50 a month. So, I pay him $50.01, then $50.02, etc. Medical billing dopes will try to say that you made only 3 payments of $50 each when you made 4. So, if they say, "Well, we have a payment for $50.01, $50.02 and $50.04", you can tell them they're missing the one for $50.03 which they cashed 60 days ago without having to go searching through your checking account.Hope this helps!
nmrsnr: It's on their website, there are just no links to it. And each one is in its own filepath. But you can access the physical folder where the URLs are stored in their basement. The lights are broken and the stairs are out, but the cabinet is right there in the broken lavatory behind the sign "beware of the leopard."Can't miss it.
White_Scarf_Syndrome: Is there any other industry where you show up for service without any idea of what it's going to cost you? I mean besides sex.
austerity101: How much are those fines? How many of these companies will just pay them instead?
iheartscotch: White_Scarf_Syndrome: Is there any other industry where you show up for service without any idea of what it's going to cost you? I mean besides sex.Car maintenance? The plumber? The electrician? Granted...all three will give you quotes and you can negotiate with them if repairs are more expensive than they originally quoted you.
Dr Dreidel: $100 per day per patient
Rent Party: White_Scarf_Syndrome: Is there any other industry where you show up for service without any idea of what it's going to cost you? I mean besides sex.Defense contracting?
iheartscotch: Unless they can think of something clever very fast..../ I was going to pretend to be mad...but, who would notice another madman around here...
12349876: It'll be great to do hours of research when I'm 15 minutes from death.
beezeltown: Transparency is good. Naturally, though, this information will be available after jumping through 26 hoops on the insurance website, then returned as a 58,000 page PDF sorted by procedure codes, followed by 36 columns of gibberish, one of which shows a price. Maybe. Unless the check digits fail to return a prime number when added together and a square root is taken. Then you proceed to the next entry with the desired procedure code and run the check digit column calculation, divide by the first digit in column A6 of the immediately preceding entry, then seek the highest prime number square from the following eleven procedure code entries (but only for odd numbered dates associated with the request date for the data set). For even numbered dates for the data set, multiply the lower of the highest prime squares of columns B55 through C73 in 43 lines proceeding the second instance of the desired procedure code, then apply that product to the formula noted on line 108673, columns AB19 through AB91, reduced by the square root of column L in the fourth instance of the procedure code. This number will reveal the appropriate column to find the price factor, based on 10/6/1983 USD value, to be adjusted for inflation according to schedule 4a of the CPI reference guide published by the University of Michigan in 2013 (second edition ONLY), which may be requested by mailing a self-addressed, stamped 11x14 envelope to Marafat Associates, Inc., 117000 241st Avenue, Suite 907-N, Mailstop 486BřDæ, Caligula-Wässersteinhoffbrau, Jelog District, Banterbang, East Timor, 999077z111000. Allow 37-62 weeks for delivery.Piece of cake.
Dr Dreidel: 12349876: It'll be great to do hours of research when I'm 15 minutes from death.You can still choose to go to the nearest clinic or hospital - nothing in this plan changes that.// you can also do that research beforehand (like, look up "what 'treating a heart attack' costs at the nearest X clinics")// might not end up being what you need in an emergency (I dunno, a bad norovirus or something), but it can likely still inform your thinking
gyruss: Dr Dreidel: 12349876: It'll be great to do hours of research when I'm 15 minutes from death.You can still choose to go to the nearest clinic or hospital - nothing in this plan changes that.// you can also do that research beforehand (like, look up "what 'treating a heart attack' costs at the nearest X clinics")// might not end up being what you need in an emergency (I dunno, a bad norovirus or something), but it can likely still inform your thinkingExcept ambulance drivers take you to the closest facility, not the closest one in your network.
bthom37: I work in the industry. Been doing it for 20 years. This data is almost certainly going to be unusable for the average person.To do it right, you'll need to find out what codes and modifiers your doctor's office will bill. Will there be a multiple procedures in the same surgery mod? Better knock 50% off that second procedure. Will there be a cosurgeon? Welcome to getting billed twice for the same surgery. Etc., etc.
Nirbo: Rent Party: White_Scarf_Syndrome: Is there any other industry where you show up for service without any idea of what it's going to cost you? I mean besides sex.Defense contracting?Nah, Congress says every year how much it's going to cost.If any cash is left on the table that's entirely the fault of the contractors.
durbnpoisn: You know... The economists of the world have run the numbers. The amount that we currently pay for healthcare in this country FAR outweighs what we would be paying if we had the government pay for it all, and just paid a little more in taxes.Like, the amount that we would have to pay in taxes is a small percentage of what we actually pay now, both for insurance, and THEN for the stuff that insurance doesn't cover.The math is done. The data is in. The proof on concept is already out there, in that every other civilized country in the world has universal health care.But this government will NOT budge. Partly because the Republicans refuse to budge. But also because the Conservatives that that "socialism" is a bad thing.I know I'm preaching to the choir here. But it just sucks.
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