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Started By
Message
Big price difference between 2 medical service providers for same procedure - acceptable?
Posted on 9/20/22 at 12:01 pm
Posted on 9/20/22 at 12:01 pm
Coincidentally, 2 in family need X-rays and MRIs right now (no wife beater comments, please! Father time comments are appropriate and welcome!)
What is the same?
Both on same exact insurance plan using same annual deductible at nearly the same time, etc. Non issue.
What is different?
Ortho A (Clinic) MRI costs 3X more than Ortho B (Hospital) MRI costs
I appreciate that clinic and hospital models and cost structures are different.
The question: Is 3X difference acceptable?
Wish the hell I could shop around with more visibility and flexibility to help drive more pricing efficiency in market and between these 2 medical services channels.
3X is ridiculous to me
What is the same?
Both on same exact insurance plan using same annual deductible at nearly the same time, etc. Non issue.
What is different?
Ortho A (Clinic) MRI costs 3X more than Ortho B (Hospital) MRI costs
I appreciate that clinic and hospital models and cost structures are different.
The question: Is 3X difference acceptable?
Wish the hell I could shop around with more visibility and flexibility to help drive more pricing efficiency in market and between these 2 medical services channels.
3X is ridiculous to me
Posted on 9/20/22 at 12:09 pm to Turf Taint
quote:
Ortho A (Clinic) MRI costs 3X more than Ortho B (Hospital) MRI costs
Does the cost from the hospital include reading the image? I'm not sure that would increase it to 3x but just a thought. Also, is the Doctor that will read the image at the hospital in network? The hospital may be in network, but the doctor may not.
Posted on 9/20/22 at 12:14 pm to Turf Taint
I was seeing my in-network doctor one time. She asked a colleague a question. I never talked to the doctor. He came in for one second. He was out of network. That fricker tacked on $400 to my bill for consultation.
Then I had to fight to get it taken off.
Our health system is screwed but we are too political to fix it.
No one will agree.
Then I had to fight to get it taken off.
Our health system is screwed but we are too political to fix it.
No one will agree.
Posted on 9/20/22 at 12:14 pm to Turf Taint
Your insurance is going to pay what is negotiated. It doesn’t matter what the clinic bills.
You will pay your same deductible in both situations
Every insurance company pays a different amount so to make sure there aren’t any screw ups (like under billing a certain plan that pays more) the clinics will just charge a much higher rate to every insurance company. The insurance company then corrects the bill down to their allowable amount.
People read medical bills without any explanation of the system, this isn’t their fault but it leads to false assumptions
The clinic isn’t making 3x as much as the hospital.
You will pay your same deductible in both situations
Every insurance company pays a different amount so to make sure there aren’t any screw ups (like under billing a certain plan that pays more) the clinics will just charge a much higher rate to every insurance company. The insurance company then corrects the bill down to their allowable amount.
People read medical bills without any explanation of the system, this isn’t their fault but it leads to false assumptions
The clinic isn’t making 3x as much as the hospital.
This post was edited on 9/20/22 at 12:16 pm
Posted on 9/20/22 at 12:16 pm to Turf Taint
Insurance companies have different fee schedules for different providers/locations. Essentially their contracted rate will be different based upon the place that the service occurs. Even if they would both be clinics, you'd see a discrepancy there. Also, are you certain it is the exact same procedure being done at both facilities?
ETA: also note that the clinic will essentially have one fee schedule for procedure x regardless of the fact that the allowable for that procedure for insurance company y is 50% of that amount, because the allowable for insurance company z might be 100%. They charge all insurance companies the same, regardless if they will only receive 50% from company x and possibly 25% from another.
ETA: also note that the clinic will essentially have one fee schedule for procedure x regardless of the fact that the allowable for that procedure for insurance company y is 50% of that amount, because the allowable for insurance company z might be 100%. They charge all insurance companies the same, regardless if they will only receive 50% from company x and possibly 25% from another.
This post was edited on 9/20/22 at 12:20 pm
Posted on 9/20/22 at 12:43 pm to Turf Taint
Open versus closed machine?
Size of magnet?
Size of magnet?
Posted on 9/20/22 at 12:53 pm to Turf Taint
quote:
What is different?
Ortho A (Clinic) MRI costs 3X more than Ortho B (Hospital) MRI costs
By "costs" do you mean the make believe number on the bill, or the actual amount you have to pay once insurance does their thing?
Posted on 9/20/22 at 12:55 pm to Turf Taint
quote:
Ortho A (Clinic) MRI costs 3X more than Ortho B (Hospital) MRI costs
In general, charges billed at a hospital location will be higher than the same services billed from a clinic setting.
Posted on 9/20/22 at 12:56 pm to Turf Taint
you get what you pay for
Posted on 9/20/22 at 1:00 pm to Turf Taint
quote:
Both on same exact insurance plan using same annual deductible at nearly the same time, etc
Do they work together at the same company, if not I find this very unlikely that it's the same plan.
Posted on 9/20/22 at 1:55 pm to Turf Taint
I've said for a while that since more of us are on high deductible health plans with hsa savings plans Physicians should be forced to have more transparent prices. Each practice should have a published cash price list for procedures.
They sold high deductible plans and health savings accounts as having more choice in your Healthcare but how the hell can you make choices with no prices.
They sold high deductible plans and health savings accounts as having more choice in your Healthcare but how the hell can you make choices with no prices.
This post was edited on 9/20/22 at 2:06 pm
Posted on 9/20/22 at 2:07 pm to Turf Taint
quote:
Ortho A (Clinic) MRI costs 3X more than Ortho B (Hospital) MRI costs
I'm actually surprised. When I have testing in hospitals it is always way more than if I can do it at freestanding clinics. Nowadays though, the freestanding clinics are owned by the hospital haha.
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