Robbie ------> inside please - Page 2 - GoFuckYourself.com

whOaKemosabe · 12-27-2013, 11:56 PM

fiddy boring posts

dyna mo · 12-28-2013, 12:00 AM

Quote:

Originally Posted by kane

When I was in the hospital a few years ago they sent someone in and we talked. I had insurance, but it was a catastrophic only policy. They actually laughed when they told me that the insurance should cover this because it was something I couldn't get treatment at home or in a regular docs office for and left untreated it would kill me. Therefore it qualified, but she said they will reject the claim and it will be a fight.

She was right. The insurance rejected the claim, but my doctor was a champ. It pissed him off and her personally took it upon himself to educate them and get them to pay for it. Had he not stepped in it could have been a huge headache and very expensive for me.

i'm glad that worked out for you. it can and is a huge headache and very expensive to have to go it alone.

Barry-xlovecam · 12-28-2013, 12:00 AM

My personal experience is from 4 surgeries in the past 3 years, one with local aesthetic and 3 with general anesthesia. I have dealt with over $150K in medical bills related to and culminating in these surgeries over the same period.

If you want the believe you can show up in the ER room with no insurance and get quality medical care -- good luck with that. If you think you will get 70% off at the Doctor's office/ clinic or hospital for cash -- good luck with that.

I just had a major vascular surgery that was a scheduled surgery last month. The private hospital where it was done does not accept uninsured people.

Show up uninsured at the ER room at that hospital they will only stabilize you then transfer you to the county hospital. They only accept pre-qualified patients with a way to pay.

BTW, their costs are lower than most other hospitals around here maybe because all their patients are able to pay them. That said, there is a contracted price there and the insurance negotiated price there that was 61% of the full charge last year for the same procedure on the other side 2 years ago -- haven't gotten the bill for last November's "event".

So, even under these circumstances medical bills are contrived.

If you want quality medical care and to be treated with dignity I would suggest you find a way to pay for healthcare insurance.

Maybe, when there are more people exposed to this healthcare and insurance mess there will be some real reform in healthcare delivery and its pricing but it is an uphill battle to say the least with too many vested interests threatened by any real reform.

I don't like paying $10K to $12K a year in healthcare costs for the past few years but I just say to myself, Self: "How much can you earn if you are dead or a vegetable?" Then I tell myself I am fortunate to be in a position to afford the costs however obscene they may be.

dyna mo · 12-28-2013, 12:10 AM

Quote:

Originally Posted by Barry-xlovecam

My personal experience is from 4 surgeries in the past 3 years, one with local aesthetic and 3 with general anesthesia. I have dealt with over $150K in medical bills related to and culminating in these surgeries over the same period.

If you want the believe you can show up in the ER room with no insurance and get quality medical care -- good luck with that. If you think you will get 70% off at the Doctor's office/ clinic or hospital for cash -- good luck with that.

I just had a major vascular surgery that was a scheduled surgery last month. The private hospital where it was done does not accept uninsured people.

Show up uninsured at the ER room at that hospital they will only stabilize you then transfer you to the county hospital. They only accept pre-qualified patients with a way to pay.

BTW, their costs are lower than most other hospitals around here maybe because all their patients are able to pay them. That said, there is a contracted price there and the insurance negotiated price there that was 61% of the full charge last year for the same procedure on the other side 2 years ago -- haven't gotten the bill for last November's "event".

So, even under these circumstances medical bills are contrived.

If you want quality medical care and to be treated with dignity I would suggest you find a way to pay for healthcare insurance.

Maybe, when there are more people exposed to this healthcare and insurance mess there will be some real reform in healthcare delivery and its pricing but it is an uphill battle to say the least with too many vested interests threatened by any real reform.

I don't like paying $10K to $12K a year in healthcare costs for the past few years but I just say to myself, Self: "How much can you earn if you are dead or a vegetable?" Then I tell myself I am fortunate to be in a position to afford the costs however obscene they may be.

this is another real world example that differs completely from mine. on my last serious surgery, went in via the er at cedar-sinai and was not transferred to a county hospital, i recieved top-notch care. here in california, it's against the law for them to do that in life-threatening situations.

moreover, i'm ready willing and able to pay for insurance. as a business owner with a pre-existing condition, i've been denied access to health insurance for over 30 years.

Brad Mitchell · 12-28-2013, 12:10 AM

This is a fair read from a patient advocacy organization about medical debt and collections, particularly on about page 5, I thought.

http://www.npaf.org/files/Medical%20...%20Final_0.pdf

Already well illustrated in this thread, the variance in experience from one hospital to the next varies wildly. It's frightening.

Good night,

Brad

PornoMonster · 12-28-2013, 12:19 AM

Quote:

Originally Posted by dyna mo

what's your bargaining tool to compel the hospital to negotiate your bill?

When they send you the bill, you explain you can't pay that and either they offer a cash value or you can. Does it always work, Nope. Even less today then before.

For dental and other things, you talk about it Before you have the procedure done.

I guess the same things that the Big insurance companies do in the back end...

dyna mo · 12-28-2013, 12:25 AM

Quote:

Originally Posted by Brad Mitchell

This is a fair read from a patient advocacy organization about medical debt and collections, particularly on about page 5, I thought.

http://www.npaf.org/files/Medical%20...%20Final_0.pdf

Already well illustrated in this thread, the variance in experience from one hospital to the next varies wildly. It's frightening.

Good night,

Brad

page 5 does echo something i went through, a 2 week hospital stay in ~2003, got the massive bill and listened to friends and family tell me that as long as i paid something every month toward the bill, the hospital could not/would not have a problem with that.

the hospital had a big problem with that!

Barry-xlovecam · 12-28-2013, 12:26 AM

This is a brochure from a request I got from Allstate Insurance to update my healthcare insurer to continue getting my discount on the Auto insurance being the secondary payer on any medical claims for me in an auto accident.

Either Allstate is full of shit on the costs they pay or there is such a great disparity in medical charges. See the lower half of the brochure page I scanned.

From what I have seen I tend to believe them -- I paid workman's comp for many years ...

dyna mo · 12-28-2013, 12:30 AM

Quote:

Originally Posted by PornoMonster

When they send you the bill, you explain you can't pay that and either they offer a cash value or you can. Does it always work, Nope. Even less today then before.

For dental and other things, you talk about it Before you have the procedure done.

I guess the same things that the Big insurance companies do in the back end...

the cash value is already calculated on the bill these days, at least in my experiences, my hospital and er bills come with 2 columns- the full price and my discounted price. i can try and negotiate but the hospital can and will sell my account to a bill collector within a few months if i don't pay what they tell me i need to pay.

kane · 12-28-2013, 12:37 AM

Quote:

Originally Posted by PornoMonster

When they send you the bill, you explain you can't pay that and either they offer a cash value or you can. Does it always work, Nope. Even less today then before.

For dental and other things, you talk about it Before you have the procedure done.

I guess the same things that the Big insurance companies do in the back end...

My GF works at a dentists office and is going to school to be a dentists. When come into their office without insurance they look at you, determine your problem then give you a paper that shows your treatment options and how much each one is.

Often times with dental work you have a few different options, but at least you know up front exactly what it will cost. The sad part is that some people end up just having teeth pulled out because they can't afford the root canal and cap.

PornDiscounts-V · 12-28-2013, 03:50 AM

My daughter cut her knee playing softball while covered under our insurance. Her bill broke down like:

nurse: 65
Hospital: 50
Doctor: 150
Stitches: 65
Bandages: 45

She hurt herself again with no insurance and went to the same hospital.

Nurse: 75
Hospital:150
Doctor:180
Stitches:450
Bandages:120

She ended up applying for some kind of help and they paid the entire bill after negotiating about 250 off.

The hospital was trying to get her to pay the entire bill. No reductions. Very hardcore. It seemed they wanted to be able to put the money down as a default.

tony286 · 12-28-2013, 06:08 AM

Quote:

Originally Posted by PornoMonster

Oh Forgot to say this part.
The bills are like Selling Cars, No one should pay the sticker Price, HAHA.

Say my medical bill is 100K, my insurance covers 80% so I am stuck with 20K and my insurance is stuck with 80K.... NOT so fast.. The insurance Companies have Huge Buildings of people who negotiate their part ($80K) down. I do not know how much they will get that 80K down to, but they employ hundreds upon hundreds of workers for just this...

My father worked for a very large insurance company he did contracting. It was like the mafia. He would meet with a Doctor,they would scream and yell how they were paying him shit per patient. My father wouldn't say a word when the doc was done with his rant. My father would say I can appreciate that but you have to make a business decision in a very calm voice. The doctor always would fold because if the dr said fuck you, he lost all those ins company patients.

The hospital has your social so first thing is pull up a credit report on you, if you dont have shit on paper (just a cash and carry guy)or crap credit so you are basically judgement proof. I would bet they are much more open to make a deal. If you have things, its fuck you pay me.
http://www.nytimes.com/2012/04/25/bu...tals.html?_r=0
Doesnt sound like they are looking to do deals.

Juicy D. Links · 12-28-2013, 06:10 AM

this thread is full of schwatzaaaaaaaaaaaaaaaaaaaa'sssssssssss

tony286 · 12-28-2013, 06:40 AM

Also you have remember what it was like before health insurance.
First it pumped a shitload of money into the medical industry which brought innovation.
Second before that your doctor lived in the same neighborhood, his wife was his nurse and he worked out of his house.
If you were really sick it was go home and die.
Until Reagan signed the law in 1986 where hospitals couldnt turn you down. If you had no money they could send you away or demanded the money up front. In the sixties my aunt had an Appendicitis which could of killed her. My Uncle had to come up with $800 quick or they weren't doing the surgery and she would of been fucked.
So it wasnt all roses before health insurance happened.

Barry-xlovecam · 12-28-2013, 07:50 AM

I remember when I was a child in the 1960's when employer paid insurance became first a (some better) union workers' employer paid benefit then in a few years became commonplace with better non-union employers. Back then there were county and state supported hospitals designated to help the lower class workers and their families as well as the indigent.

The world back then was not such a pretty place and survival rates from disease or injury were no where near what they are today. Medical bills were a hardship as I remember.

The problem is rather simple but the solution is evasive: We have created a "medical-industrial complex" to generate profits from what should be a basic guaranteed service for everyone. I am speaking of shareholder dividends or some the the tax-exempt extravagances of non-profit healthcare. Still, on the other side of the coin -- there is better that average healthcare available to those with the means to pay for it in spite of all of the statistics that aggregate the healthcare of the population in the USA as a whole.

I am not saying that this is right -- just saying that that is the hard reality here.

12-28-2013, 12:00 AM	#53
Barry-xlovecam It's 42 Industry Role: Join Date: Jun 2010 Location: Global Posts: 18,083	My personal experience is from 4 surgeries in the past 3 years, one with local aesthetic and 3 with general anesthesia. I have dealt with over $150K in medical bills related to and culminating in these surgeries over the same period. If you want the believe you can show up in the ER room with no insurance and get quality medical care -- good luck with that. If you think you will get 70% off at the Doctor's office/ clinic or hospital for cash -- good luck with that. I just had a major vascular surgery that was a scheduled surgery last month. The private hospital where it was done does not accept uninsured people. Show up uninsured at the ER room at that hospital they will only stabilize you then transfer you to the county hospital. They only accept pre-qualified patients with a way to pay. BTW, their costs are lower than most other hospitals around here maybe because all their patients are able to pay them. That said, there is a contracted price there and the insurance negotiated price there that was 61% of the full charge last year for the same procedure on the other side 2 years ago -- haven't gotten the bill for last November's "event". So, even under these circumstances medical bills are contrived. If you want quality medical care and to be treated with dignity I would suggest you find a way to pay for healthcare insurance. Maybe, when there are more people exposed to this healthcare and insurance mess there will be some real reform in healthcare delivery and its pricing but it is an uphill battle to say the least with too many vested interests threatened by any real reform. I don't like paying $10K to $12K a year in healthcare costs for the past few years but I just say to myself, Self: "How much can you earn if you are dead or a vegetable?" Then I tell myself I am fortunate to be in a position to afford the costs however obscene they may be.

12-28-2013, 12:10 AM	#55
Brad Mitchell Confirmed User Industry Role: Join Date: Nov 2001 Location: Southfield, MI Posts: 9,812	This is a fair read from a patient advocacy organization about medical debt and collections, particularly on about page 5, I thought. http://www.npaf.org/files/Medical%20...%20Final_0.pdf Already well illustrated in this thread, the variance in experience from one hospital to the next varies wildly. It's frightening. Good night, Brad __________________ President at MojoHost \| brad at mojohost dot com \| Skype MojoHostBrad 71 industry awards for hosting and professional excellence since 1999

12-28-2013, 12:26 AM	#58
Barry-xlovecam It's 42 Industry Role: Join Date: Jun 2010 Location: Global Posts: 18,083	This is a brochure from a request I got from Allstate Insurance to update my healthcare insurer to continue getting my discount on the Auto insurance being the secondary payer on any medical claims for me in an auto accident. Either Allstate is full of shit on the costs they pay or there is such a great disparity in medical charges. See the lower half of the brochure page I scanned. From what I have seen I tend to believe them -- I paid workman's comp for many years ...

12-28-2013, 03:50 AM	#61
PornDiscounts-V Confirmed User Industry Role: Join Date: Oct 2003 Location: L.A. Posts: 5,744	My daughter cut her knee playing softball while covered under our insurance. Her bill broke down like: nurse: 65 Hospital: 50 Doctor: 150 Stitches: 65 Bandages: 45 She hurt herself again with no insurance and went to the same hospital. Nurse: 75 Hospital:150 Doctor:180 Stitches:450 Bandages:120 She ended up applying for some kind of help and they paid the entire bill after negotiating about 250 off. The hospital was trying to get her to pay the entire bill. No reductions. Very hardcore. It seemed they wanted to be able to put the money down as a default. __________________ Blog Posts - Contextual Links - Hardlinks on 600+ Blog Network * Handwritten * 180 C Class IPs * Permanent! * Many Niches! * Bulk Discounts! GFYPosts /at/ J2Media.net

12-28-2013, 07:50 AM	#65
Barry-xlovecam It's 42 Industry Role: Join Date: Jun 2010 Location: Global Posts: 18,083	I remember when I was a child in the 1960's when employer paid insurance became first a (some better) union workers' employer paid benefit then in a few years became commonplace with better non-union employers. Back then there were county and state supported hospitals designated to help the lower class workers and their families as well as the indigent. The world back then was not such a pretty place and survival rates from disease or injury were no where near what they are today. Medical bills were a hardship as I remember. The problem is rather simple but the solution is evasive: We have created a "medical-industrial complex" to generate profits from what should be a basic guaranteed service for everyone. I am speaking of shareholder dividends or some the the tax-exempt extravagances of non-profit healthcare. Still, on the other side of the coin -- there is better that average healthcare available to those with the means to pay for it in spite of all of the statistics that aggregate the healthcare of the population in the USA as a whole. I am not saying that this is right -- just saying that that is the hard reality here.

12-27-2013, 11:56 PM	#51
whOaKemosabe So Fucking Stoned... Industry Role: Join Date: Aug 2013 Posts: 1,968	fiddy boring posts

12-28-2013, 06:10 AM	#63
Juicy D. Links So Fucking Banned Industry Role: Join Date: Apr 2001 Location: N.Y. -Long Island -- Posts: 122,992	this thread is full of schwatzaaaaaaaaaaaaaaaaaaaa'sssssssssss

12-28-2013, 06:40 AM	#64
tony286 lurker Industry Role: Join Date: Aug 2002 Location: atlanta Posts: 57,021	Also you have remember what it was like before health insurance. First it pumped a shitload of money into the medical industry which brought innovation. Second before that your doctor lived in the same neighborhood, his wife was his nurse and he worked out of his house. If you were really sick it was go home and die. Until Reagan signed the law in 1986 where hospitals couldnt turn you down. If you had no money they could send you away or demanded the money up front. In the sixties my aunt had an Appendicitis which could of killed her. My Uncle had to come up with $800 quick or they weren't doing the surgery and she would of been fucked. So it wasnt all roses before health insurance happened.