God @#%@ I hate our healthcare system

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JamesV

Platinum Member
Jul 9, 2011
2,002
2
76
They can't scam and give different prices based on insurance if they had one set up front cost that you could see before hand.

This.

More people would be asking questions about how they bill, if they saw your bill will be $A with insurance B, and $C with insurance D; not to mention $A + $C if you are uninsured.

Some costs you can see though, and they are stupidly high, like $15 a day for a phone in your room. The phone itself costs less than that.

What I hate are the mystery doctors you never see though. After two months of hospital and rehab, I'm getting bills for my great aunt from doctors I've never met nor even heard of. The excuse I get is "Oh, they must have stopped in, in the middle of the night". So, a doctor shows up in the middle of the night, looks at my aunts chart, and sends a bill for $300... shady.
 

OutHouse

Lifer
Jun 5, 2000
36,413
616
126
I'm glad I have good insurance when I had my gall bladder pulled last month. Hospital charged $31k, insurance agreed to $19k, my OOP is $1k.

Going to be fun at the end of the year when I go for shoulder surgery to see that bill.

so who is paying the other 12K? you?
 

ImpulsE69

Lifer
Jan 8, 2010
14,946
1,077
126
I'm glad I have good insurance when I had my gall bladder pulled last month. Hospital charged $31k, insurance agreed to $19k, my OOP is $1k.

Going to be fun at the end of the year when I go for shoulder surgery to see that bill.

Holy hell. My wife had this done last year and the total bill was $17k. We paid $1800 OOP, seriously though, that is a huge difference in total price. Did you stay a few days?
 

gorb

Golden Member
Feb 25, 2011
1,100
90
101
so who is paying the other 12K? you?

No. It disappears. Have you ever had a bill paid by a health insurer? They have contracted rates with providers. They bill you 10K, insurance pays them whatever, you pay them whatever until you meet your deductible/coinsurance. Anything over the contracted rate disappears unless they are an out of network provider.

 
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phucheneh

Diamond Member
Jun 30, 2012
7,306
5
0
Both systems are unsustainable.

Wut?

The ever-increasing profits of American corporations are plenty sustainable. Right up to the point where they are forced to go ahead and just actually physically enslave us. But that's easily, like, three or four years away.
 

squarecut1

Platinum Member
Nov 1, 2013
2,230
5
46
The medical system is such a gigantic mess. Proof of what is the result of unchecked greed. Eventually it will be nationalized...for better or worse.
 

mnewsham

Lifer
Oct 2, 2010
14,539
428
136
this is why I am somewhat glad I have dual citizenship with a country that has universal healthcare... if I ever need something major done, it's probably cheaper just to get a plane ticket than bother with US healthcare...
 

squarecut1

Platinum Member
Nov 1, 2013
2,230
5
46
I could just go on and on about this...know way too much. More than I wish I did...including things from the inside of the industry ...racket is a more apt term....

But what is the point...
 

brainhulk

Diamond Member
Sep 14, 2007
9,418
454
126
I could just go on and on about this...know way too much. More than I wish I did...including things from the inside of the industry ...racket is a more apt term....

But what is the point...

I have a friend that works for an insurance company. From what he desribes, racket sounds about right.

Some of the concerns I've been hearing recently is higher copays, deductibles, doctors treating hmo as 2nd class, and doctors rushing through visits. Some of the copays ive been hearing seem pretty high myself.

The md's rushing exams and the higher copays is especially alarming to me. It will be interesting to see how this pans out
 

squarecut1

Platinum Member
Nov 1, 2013
2,230
5
46
The md's rushing exams and the higher copays is especially alarming to me. It will be interesting to see how this pans out

Oh that is just a tiny bit. The whole thing...insurance, pharmaceuticals, the providers, their management...the inner workings of it all...the sleaze, the sheer greed...it leaves you disappointed in humanity
 

Gooberlx2

Lifer
May 4, 2001
15,381
6
91
I am so glad my wife is on medicare disability. Wrapping up her first year on it. Premiums for parts A+B + part F supplement + drug plan is still cheaper than most plans my employer offers over the course of a year, while still providing good coverage. It's not perfect but I love basically not having to give a shit about her medical bills anymore.
 

squarecut1

Platinum Member
Nov 1, 2013
2,230
5
46
If the Senate was not in the hands of the insurance industry, including the Democratic ones there, the public insurance option would have been part of the bill...
 

Sho'Nuff

Diamond Member
Jul 12, 2007
6,211
121
106
TBH you can ask most surgeons what a prodecure will run and they can give you a pretty accurate cost for what THEY BILL

most of the cost comes from the other hospitial bullshit like charging 500$ for a disposiable gown and other stupid crap like a 300$ dose of asprin. - that shit you cant ask about

if you happen to get an itemized bill its pretty insane what they bill for all that crap. its generally not the Doc who is doing the operation who is charging you an arm and a leg

I just had outpatient hernia surgery and received my bill. Was blown away by the cost.

Surgeon charged $3800 to perform the procedure.
Anesthesiologist charged $1300 to keep me feeling happy.
Hospital charged:
$3000 for pre-op prep and observation (Most expensive 2 hours of Cosby I have ever watched);
$5000 for OR
$4000 for post op recovery.

Total outlay was ~$17,100
Total time in the hospital: 4.5 hours.
Total out of pocket costs - looks to be right ~$3,000

Interestingly, charges for my gallbladder surgery were lower across the board, despite the procedure being longer and more complex.

In any event, something doesn't smell right.

To put that in contrast, my daughter had a 4.5 hour long open heart procedure when she was two months old. Procedure was performed at Boston Childrens, arguably the best Children's hospital in the world. A team of 10 worked on her in the OR, and she was in the pediatric cardiac ICU for ~10 days and the general ward for 3 days. Total amount billed to insurance was ~$81,000. Somehow I managed to rack up ~20% of that bill in just under 5 hours by having routine hernia surgery at a decent but certainly not excellent regional hospital.
 
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Jeff7

Lifer
Jan 4, 2001
41,599
19
81
Wut?

The ever-increasing profits of American corporations are plenty sustainable. Right up to the point where they are forced to go ahead and just actually physically enslave us. But that's easily, like, three or four years away.
Or just let us slowly become debtors for life.


I wonder how many health problems are caused because "I can't go to the doctor have this checked out. It's so damn expensive."
And "so damn expensive" could end up being a pretty hefty chunk of your annual income.
I'm sure that it doesn't affect the health of the economy at all to be virtually forced to wait to see a doctor until the problem is severe or even crippling. Nope.


Somehow, some other first-world countries have figured out how to offer healthcare to their citizens without marching Stalin's corpse around the countryside to infect the masses with The Communism. Amazing.

But don't worry, we know better. Just look at those healthcare stocks go!
 
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squarecut1

Platinum Member
Nov 1, 2013
2,230
5
46
Or just let us slowly become debtors for life.


Somehow, some other first-world countries have figured out how to offer healthcare to their citizens without marching Stalin's corpse around the countryside to infect the masses with The Communism. Amazing.

Every other first world country plus some others who are not "first world".

Cuba has a healthcare system vastly superior to American one. Many Middle Eastern countries' citizens have heatlh benefits and facilities that the citizens of the richest nation on earth can barely dream of.

A crying shame...but that is unchecked greed for you
 

squarecut1

Platinum Member
Nov 1, 2013
2,230
5
46
But yes we were first to send a man on moon. Too bad we dont care too much about the man on earth
 

WelshBloke

Lifer
Jan 12, 2005
30,989
8,701
136
There ought to be a better way but remember people aren't cars and often one person needs more care for a particular ailment.

This.

Unless you'd like them to turn the anesthesia off half way through your procedure and discuss the pricing options as things develop?
 

Anubis

No Lifer
Aug 31, 2001
78,716
417
126
tbqhwy.com
just so people know if they didn’t already. Just because the Hospital bills your insurance company 10s of thousands of $$ does not mean the insurance company actually gives the hospital that much money. the Insurance company’s only allow/approve them to charge so much. so just because your bill says 50k or whatever does not mean the insurance co pays anything close to that back to the hospital

the over bill the insurance company to make sure they get reimbursed the max amount

 

boomerang

Lifer
Jun 19, 2000
18,890
642
126
Just for you old retired people.
So far so good. I cut my leg too and the resultant infection has had me making multiple trips to the Doctor. But I call and get in the same day!

He switched up antibiotics on me yesterday and I thought I was going to end up in the emergency room last night. One of the side effects of Ciprofloxacin HCL is stomach/abdominal pain. I thought I might not make it through the night after taking the very first one. I had severe abdominal pain. Time for plan C.

I was even more surly than usual here yesterday...
 
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