Join Early Retirement Today
Thread Tools Search this Thread Display Modes
Old 04-15-2014, 09:13 AM   #41
Dryer sheet aficionado
Join Date: Nov 2013
Posts: 41
Originally Posted by travelover View Post
I agree, but that needs to be coupled with transparent pricing. This nonsense of in network and out of network providers roulette is just a scam with the hospitals providing cover for the scammers.
I just got off the phone with my insurance company - so frustrating! I got an EOB for an ENT visit where my negotiated rate was only a couple dollars less than the full rate. Recently my son had an appt with a specialist where the negotiated rate was less than 1/2. How can I 'shop around' when I can't find out what things cost. The only way is to have specific codes for specific doctors and then they can look.

jowi is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 04-15-2014, 09:32 AM   #42
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
pb4uski's Avatar
Join Date: Nov 2010
Location: Vermont & Sarasota, FL
Posts: 13,195
I hate the idea of more regulation, but perhaps there should be a requirement that the provider tell you what the charges (or at least a range of charges) will be - after your insurance - prior to them performing a procedure.

We already require it for other things... mortgages, financings, some financial products, etc.

If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
pb4uski is offline   Reply With Quote
Old 04-15-2014, 09:38 AM   #43
Dryer sheet aficionado
Join Date: Nov 2013
Posts: 41
Ugh! Just got off the phone with the insurance company again with a code this time and a doctor name and nope, I have to download a FORM, fill it out and fax it to them before I can find out any pricing info. That's total BS!
jowi is offline   Reply With Quote
Old 04-16-2014, 11:34 AM   #44
Full time employment: Posting here.
Join Date: Jul 2013
Location: San Diego
Posts: 530
While I agree with the PNHP that single-payer is a preferable approach, the OP's source is a "critical from the left" group. Here is a Kaiser Family Foundation explanation of the cost-sharing for premiums, deductibles AND co-pays for lower income Americans which I think is both more clear and a fairer assessment.

In Addition To Premium Credits, Health Law Offers Some Consumers Help Paying Deductibles And Co-Pays - Kaiser Health News

Our max OOP went up $5K while our total yearly premiums dropped $5K. That seems a win to me. Guaranteed issuance for continuous coverage has some drawbacks. (Texas, with it's extremely high rate of uninsurance, is surely not an example of good policy). What happens when you move between states? What happens if you have temporary financial problems and can't afford coverage for a while, etc.? I had a patient who let her COBRA eligibility lapse after she woke up one morning and found her husband lying dead next to her. She became deeply depressed and let everything lapse. Then she was unable to get insurance because of her history of depression.

I had continuous coverage for my auto-insurance before being sent overseas by an employer (to work for the US Army!) and was told that I would have to get coverage from the assigned risk pool due to the "lapse in coverage" until I examined the tiny print on my German policy and discovered that I had unwittingly purchased insurance from an Allstate subsidiary. After that Allstate had a hard time making the claim that I had been uninsured. I have a hard time trusting the good intentions of the insurance industry.

AllDone is offline   Reply With Quote

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Similar Threads
Thread Thread Starter Forum Replies Last Post
Details on Out Of Pocket Max modhatter Health and Early Retirement 12 10-17-2013 12:52 PM
What Medicare plan & supplemental protects best for fewest out-of-pocket suprises spncity Health and Early Retirement 14 09-07-2013 11:06 AM
Use HSA $$ or pay out of pocket? Aiming_4_55 Health and Early Retirement 11 01-13-2011 02:28 PM
I need more than one wallet in my pocket easysurfer Other topics 4 05-04-2010 01:09 PM
Out of pocket college costs? SecondCor521 FIRE and Money 86 02-28-2008 01:57 PM


All times are GMT -6. The time now is 01:17 AM.
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2016, vBulletin Solutions, Inc.