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Medical $
Apr 4, 2024 11:23:01 GMT -5
via mobile
Post by olmucky on Apr 4, 2024 11:23:01 GMT -5
So this is interesting and a crock of shite at the same time.
I have medical insurance. BCBS PPO
I’ve had CT scans, X-rays etc over the years. I end up paying a bit out of pocket until my deductible is met for the year.
Anyways. Depending on the X-ray or CT or MRI and if my deductible
Isn’t met, I’ll end up paying out of pocket, insurance gets billed the rest.
I need a shoulder x-ray
I call to set an appointment. Lady says out of pocket or insurance.
I say (in my head, what the hell) cash.
She says “the shoulder xray series will be $40
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Post by misterjr on Apr 4, 2024 11:30:09 GMT -5
Health insurance is a fucked up mess. Since I moved to Medicare with a United supplement, I have not paid a nickle out of pocket, including two days in the hospital. Premium for both is about $500 a month.
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Post by billybob on Apr 4, 2024 11:30:14 GMT -5
Whaaaaaaaaat
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Post by cracker4112 on Apr 4, 2024 11:33:01 GMT -5
I ran into a similar story with my cardiologist. Had scheduled a stress test and the office called and said my out of pocket was going to be $1,100, insurance would pay the rest. I was not feeling like paying that bill as my last stress test last year was perfect, so I canceled. Went in a few weeks ago for a check up and new prescriptions and the doc asked me why I didn't do the stress test, so I told him. He told me next time to have the nurse contact him as his cost for the stress test was only $600, and he would've taken cash and not worried about the insurance co.
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Post by mackeralsnatcher on Apr 4, 2024 11:45:31 GMT -5
Don't get me started on medicare/medicade and insurance.  it's all a fucking money grab. My wife has been in and out of hospitals for the past month. Were very fortunate to have great insurance (Medicare/Medicade and CHAMP VA for life) When the bills come in (which we don't have to pay) it makes me sick to see what they charge. |
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Post by madm002 on Apr 4, 2024 12:01:32 GMT -5
This is not going to end well. Our government is spending at a crazy rate and increasing the deficit. Fact not politics. At some point someone is going to wake up and say ,"holy cow, what are we doing here". One of the first things to look at are entitlements, the largest of which is medicare....
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Post by cadman on Apr 4, 2024 12:02:19 GMT -5
I ran into a similar story with my cardiologist. Had scheduled a stress test and the office called and said my out of pocket was going to be $1,100, insurance would pay the rest. I was not feeling like paying that bill as my last stress test last year was perfect, so I canceled. Went in a few weeks ago for a check up and new prescriptions and the doc asked me why I didn't do the stress test, so I told him. He told me next time to have the nurse contact him as his cost for the stress test was only $600, and he would've taken cash and not worried about the insurance co. That would violate his contract with the insurance carrier and could get him dropped as one of their doctors. Also, I assume the $1100 was part of your deductible, so if you pay $600 cash, it does not count toward your deductible. Which would be fine if that is the only medical cost you have that year. But if you normally meet your deductible, in the long run, you would pay and extra $600 by the end of the year. I am similar to Mister, got original medicare plus a plan G supplement. All I pay is the $240 deductible and insurance pays everything else. |
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Post by cadman on Apr 4, 2024 12:04:50 GMT -5
Don't get me started on medicare/medicade and insurance. it's all a fucking money grab. My wife has been in and out of hospitals for the past month. Were very fortunate to have great insurance (Medicare/Medicade and CHAMP VA for life) When the bills come in (which we don't have to pay) it makes me sick to see what they charge. But how much do they really get paid. I check the Medicare website for every bill the doctor submits. They send in huge bills and average 20c on the $1 getting paid. |
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Medical $
Apr 4, 2024 12:11:21 GMT -5
via mobile
Post by olmucky on Apr 4, 2024 12:11:21 GMT -5
We’ve hit our deductible (w 2 kids) once in 20 years
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Post by cadman on Apr 4, 2024 12:40:35 GMT -5
I had a hip X-Ray last October and was curious about what the Doc charged and what was paid. the bill to Medicare was only $60 and the Doc got paid $45.71. X-rays are cheap.
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Post by tampaspicer on Apr 4, 2024 14:09:48 GMT -5
I haven't had insurance in years.
Paid $250 cash for an MRI.
I've been to the ER 4 times in 2 years and never even had a bill sent to me from any of the ER visits. (2 different hospitals)
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Post by richm on Apr 4, 2024 14:26:28 GMT -5
Cad beat me to it - if you pay cash it doesn't go towards deductible. But if you save $600 by paying $100, not much to complain about.
I always see insurance as for catastrophic stuff - guy i know went into hospital for simple surgery. Came out 7-10 weeks and another surgery later a shell of his former self. That's the stuff i see insurance as being for. Can you imagine what the bill would look like?
The other thing about insurance is that they often require 6 weeks PT before an xray or MRI. That's a load of crock...
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Post by cyclist on Apr 4, 2024 15:01:05 GMT -5
Cad beat me to it - if you pay cash it doesn't go towards deductible. But if you save $600 by paying $100, not much to complain about. I always see insurance as for catastrophic stuff - guy i know went into hospital for simple surgery. Came out 7-10 weeks and another surgery later a shell of his former self. That's the stuff i see insurance as being for. Can you imagine what the bill would look like? The other thing about insurance is that they often require 6 weeks PT before an xray or MRI. That's a load of crock... We are all susceptible to a texter running a red light or a long term illness. I like the knowledge that my family will never be financially ruined by a health emergency. |
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Post by richm on Apr 4, 2024 15:35:38 GMT -5
Cad beat me to it - if you pay cash it doesn't go towards deductible. But if you save $600 by paying $100, not much to complain about. I always see insurance as for catastrophic stuff - guy i know went into hospital for simple surgery. Came out 7-10 weeks and another surgery later a shell of his former self. That's the stuff i see insurance as being for. Can you imagine what the bill would look like? The other thing about insurance is that they often require 6 weeks PT before an xray or MRI. That's a load of crock... We are all susceptible to a texter running a red light or a long term illness. I like the knowledge that my family will never be financially ruined by a health emergency. Amen to that. |
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Post by johnnybandit on Apr 4, 2024 17:39:29 GMT -5
I will be curious to see how much the bill is going to be for my recent hospital stay.
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