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Message
Blue Cross launches tool to let customers compare provider prices
Posted on 7/10/17 at 9:36 am
Posted on 7/10/17 at 9:36 am
quote:
Blue Cross has launched a tool to help members compare prices on procedures, and it plans to pay consumers for choosing lower-cost providers.
Full Story - The Advocate, Baton Rouge
9
Posted on 7/10/17 at 9:37 am to Will Cover
Don't you baws have company provided insurance?
Posted on 7/10/17 at 9:38 am to Will Cover
Giving people an incentive to choose cost over quality of care? What could go wrong>?
Posted on 7/10/17 at 9:38 am to fareplay
quote:
Don't you baws have company provided insurance?
quote:
Don't you baws have company provided insurance?
Not when you write the front of the check instead of the back. Sorry for your sitch, Baw.
Posted on 7/10/17 at 9:43 am to fareplay
quote:
Don't you baws have company provided insurance?
Yes. Had a great plan thru work with Aetna. But thanks to Obamacare, Aetna was forced to drop its company plan in LA and my company had no other choice but BCBS LA, and of course at a higher price.
Please tell me again why we need the government involved in healthcare?
Posted on 7/10/17 at 9:43 am to Sao
Ain't nobody jealous of someone who has a small business in la baw
Posted on 7/10/17 at 9:46 am to Sao
quote:
Not when you write the front of the check instead of the back. Sorry for your sitch, Baw.
Why would you not join your own company healthplan?
Posted on 7/10/17 at 9:51 am to Will Cover
quote:
Blue Cross says the prices serve as guidelines. They are based on the benefits of the most common health plan, a preferred provider organization, and don't reflect what each person will pay.
Was wondering how could "show prices" on contracts with NDAs. Numbers are based on the plans, not the facilities, other than their network status.
Posted on 7/10/17 at 9:54 am to Will Cover
Y'all do realize that outside of cosmetic, elective procedures it doesn't matter how much providers charge, right?
If I charge $1,000 for a bunion and someone across the street charges $10,000 we get paid whatever the insurance wants to pay us.
Doctors were dumbasses and made themselves slaves to the insurance company. There is no free market anymore.
If I charge $1,000 for a bunion and someone across the street charges $10,000 we get paid whatever the insurance wants to pay us.
Doctors were dumbasses and made themselves slaves to the insurance company. There is no free market anymore.
Posted on 7/10/17 at 9:54 am to fightin tigers
quote:
Why would you not join your own company healthplan?
Many reasons, especially if I were my younger male/single self again. Many of you between 20-30 should seriously rethink healthcare in a new way instead of wantonly clicking buttons during open enrollment. Coverage in a group, even with a low premium high DED isn't good coverage at all for you. Not if you're in relatively good health, young and single.
Posted on 7/10/17 at 9:57 am to GEAUXT
Contract adjustment. Gotta love it
Posted on 7/10/17 at 9:59 am to MSMHater
quote:
Was wondering how could "show prices" on contracts with NDAs. Numbers are based on the plans, not the facilities, other than their network status.
Exactly. this is interesting. Let me read the article.
ETA:
quote:
Craig Hankins, UnitedHealthcare's vice president, digital, said the tools allow members to get personalized estimates that show how much the plan pays for a procedure and what the member's out-of-pocket costs will be.
quote:
A SmartShopper search showed that a lower limb MRI in the Baton Rouge area ranges from a low of $441 to a high of $2,391. In New Orleans, the same procedure ranges from $439 to $1,342. Blue Cross says the prices serve as guidelines. They are based on the benefits of the most common health plan, a preferred provider organization, and don't reflect what each person will pay.
This is retarded. The doctor gets the same amount of money from the plan regardless of the charge. The point of this tool is nothing but feel good BS.
This post was edited on 7/10/17 at 10:03 am
Posted on 7/10/17 at 10:10 am to Motorboat
quote:
The point of this tool is nothing but feel good BS
Right, PR for the payer that is supposedly enabling patients to save money.
Posted on 7/10/17 at 10:12 am to Motorboat
I've found patients react to their EOBs one of two ways
1. Man, that's a shame the insurance company pays you so much less than you charge
2. Man, you sure did over charge the insurance company
Thankfully, it's usually the first, but I've seen some pissed off patients who think the doctor is trying to screw them or the insurance company because the difference is so great between the charges and the payment.
1. Man, that's a shame the insurance company pays you so much less than you charge
2. Man, you sure did over charge the insurance company
Thankfully, it's usually the first, but I've seen some pissed off patients who think the doctor is trying to screw them or the insurance company because the difference is so great between the charges and the payment.
Posted on 7/10/17 at 10:48 am to Motorboat
quote:
A SmartShopper search showed that a lower limb MRI in the Baton Rouge area ranges from a low of $441 to a high of $2,391. In New Orleans, the same procedure ranges from $439 to $1,342. Blue Cross says the prices serve as guidelines. They are based on the benefits of the most common health plan, a preferred provider organization, and don't reflect what each person will pay.quote:
This is retarded. The doctor gets the same amount of money from the plan regardless of the charge. The point of this tool is nothing but feel good BS.
Hold up a second. The cash price tool isn't for seeing what the doctor will be paid. It's what the PATIENT cash price would be.
If you're a patient with a DED of $5,000, the tool should show you what your walk out price is based upon the physician feedback/quote tool. Patient then follows up with that office to verify the actual agreed upon price (could be more could be less who knows). Armed with that information, the patient could then decide to go with the $400 MRI instead of a $2,000 MRI. The drift between what the patient would contribute to the DED is considered big savings to the patient... they could even decide to pay 100% OOP and not even use insurance to file a claim. Win Win for the PCP, Patient, Carrier AND Plan (your employer)
Posted on 7/10/17 at 11:07 am to Will Cover
Seeing as how in-network prices are set by the insurance company, all prices are ultimately the same.
Not sure what BCBS is getting at here?
Not sure what BCBS is getting at here?
Posted on 7/10/17 at 11:08 am to Will Cover
god i love bcbsla
Posted on 7/10/17 at 11:11 am to GEAUXT
quote:It matters to the people that pay the difference depending on insurance plan and provider. Typical out of touch medical provider.
Y'all do realize that outside of cosmetic, elective procedures it doesn't matter how much providers charge, right?
If I charge $1,000 for a bunion and someone across the street charges $10,000 we get paid whatever the insurance wants to pay us.
Posted on 7/10/17 at 11:17 am to fareplay
Most of us here on the OT are the company that provides the employees with insurance.
Posted on 7/10/17 at 11:24 am to PearlJam
quote:
It matters to the people that pay the difference depending on insurance plan and provider. Typical out of touch medical provider.
You do realize that balanced billing (as it is called) is illegal in most states. the feds even made it totally illegal for medicare patients. The only time this is allowed is for out of network patients, and that's only because insurance companies will just flat out deny payment regardless of services rendered. Typical out of touch dumb arse.
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