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Started By
Message
re: Medical billing.. is there a cure to this chaos?
Posted on 9/9/22 at 8:25 pm to Spankum
Posted on 9/9/22 at 8:25 pm to Spankum
quote:
I had a stroke over three years ago. Just last week I received a bill for over $400 itemized as “residual charges”. Since I haven’t satisfied my deductible for this year, I’m gonna have to pay the whole thing.
Under $500 balances won’t be reported to credit bureaus starting next year. Pay it, challenge it, or just wait it out. It’s your choice.
0
Posted on 9/9/22 at 8:26 pm to S1C EM
How much for a 1 hour procedure..
Well one million dollars.
Well one million dollars.
Posted on 9/9/22 at 8:27 pm to Spankum
Residual is not itemized; ask more questions please, sir. Like someone already said, avg billing specialists isn’t staying late yearning for knowledge in their field.
Also, if you talk to clinic office manager, charge will be 98% written off.
Also, if you talk to clinic office manager, charge will be 98% written off.
This post was edited on 9/9/22 at 8:29 pm
Posted on 9/9/22 at 8:35 pm to armsdealer
quote:
The solution, not allow them to pursue collections or credit reporting without an upfront signed contract agreeing to that specific service for that specific price.
Not always easy when said person is in a "coma" while your icu team consults 10 different physicians/services for you.
Posted on 9/9/22 at 8:39 pm to deeprig9
quote:
That's all hospitals. The doctors, radiologists, anethesiologist, all contractors. They all send their own bills.
That's a yuge problem. Inpatient services should be bundled. The contractors should take it up with the hospital if they want to get paid.
Posted on 9/9/22 at 8:41 pm to Rhino5
A removal of health insurance except for major medical policies.
Return to cash money.
Like it used to be before hospitals and docs figured out if they got with insurance companies and inflated prices so much people would have to buy insurance.
Return to cash money.
Like it used to be before hospitals and docs figured out if they got with insurance companies and inflated prices so much people would have to buy insurance.
Posted on 9/9/22 at 8:53 pm to thejudge
I pay health insurance per paycheck. Yet still getting these random fricking bills.
Posted on 9/9/22 at 9:02 pm to Rhino5
You and your employer(assuming they pay some if not majority of your monthly premium) are only paying cost to have health insurance.
Bcbsla health premiums based solely on age, no medical underwriting. Older you are, higher your premiums. End of story.
High deductible plans w low premiums = great if you’re never needing it
Copay = higher premiums and less need for vasoline potentially
Bcbsla health premiums based solely on age, no medical underwriting. Older you are, higher your premiums. End of story.
High deductible plans w low premiums = great if you’re never needing it
Copay = higher premiums and less need for vasoline potentially
Posted on 9/10/22 at 4:20 am to Horsemeat
Tulane sucks and owns Lakeview in Covington which is another cluster freak operation.
Posted on 9/10/22 at 4:45 am to Rhino5
I got a collections call yesterday for an account with zero balance on my chart. I of course promptly logged onto my my account - worried that I got one of these absurdly late charges for a doctors visit from years back. My account balance was zero.
Never got a bill, and the hospital doesn’t know anything about it.
Not sure what else to do, and I’m not burning another hour on hold to verify that I don’t owe anything. Apparently I owe money to someone and neither of us know.
Never got a bill, and the hospital doesn’t know anything about it.
Not sure what else to do, and I’m not burning another hour on hold to verify that I don’t owe anything. Apparently I owe money to someone and neither of us know.
This post was edited on 9/10/22 at 4:50 am
Posted on 9/10/22 at 5:30 am to Rhino5
It’s terrible. Here’s a few things that would help
1. All bills go to your insurance company then they decide how much you owe and pay the bills accordingly. You then pay the insurance company. This would take the guesswork out of consumers hands as far as deductibles.
2. One charge for each type of hospitalization or medical procedure (FYI: Medicare is already doing this for some services). You pay the hospital one charge and they pay everyone from that charge. This would bring down cost as then hospitals would have to negotiate rates for their services.
PPS shared billing Dialysis
1. All bills go to your insurance company then they decide how much you owe and pay the bills accordingly. You then pay the insurance company. This would take the guesswork out of consumers hands as far as deductibles.
2. One charge for each type of hospitalization or medical procedure (FYI: Medicare is already doing this for some services). You pay the hospital one charge and they pay everyone from that charge. This would bring down cost as then hospitals would have to negotiate rates for their services.
PPS shared billing Dialysis
This post was edited on 9/10/22 at 5:32 am
Posted on 9/10/22 at 5:59 am to armsdealer
quote:
I have gotten bills from doctors I have never seen from hospital stays.
quote:
"Chart review".
My wife spent 7 weeks hospitalized. We had a ton of these. They would open her door, say "Hey how are you?", then walk away.
When they mailed us a $300-500 bill, we would ask the insurance company, and found out these were called "Walk-By Doctors." The Insurance co. would call them, tell them to frick off, and we wouldn't hear from them anymore.
Posted on 9/10/22 at 6:04 am to Rhino5
Had a situation where my wife was giving birth, we were told that not all anesthesiologists were covered by our insurance (which was excellent) for her epidural and that it depended on who was on call at the time. So basically it was up to chance whether or not we paid $0 or $1800. How fricked is that system?
Posted on 9/10/22 at 6:07 am to Jizzy08
quote:
o basically it was up to chance whether or not we paid $0 or $1800. How fricked is that system?
And yet, they say that to you with a straight face, because you cannot reach them to choke them out.
Posted on 9/10/22 at 6:27 am to thejudge
quote:
A removal of health insurance except for major medical policies. Return to cash money. Like it used to be before hospitals and docs figured out if they got with insurance companies and inflated prices so much people would have to buy insurance.
This, all of this.
And for insurance they need to post the actual cash prices they are going to charge the insurance so everything is transparent and everyone knows.
Posted on 9/10/22 at 6:49 am to Rhino5
Ask for self pay cash price pay gone never see another bill take receipt to insurance file a claim
Posted on 9/10/22 at 7:00 am to Rhino5
It's a bureaucratic nightmare with billing offices in the hospital and payments processes out of state. You're screwed if you overpay.
Never having a major illness, I inadvertently paid an OLOL pre-insurance bill which was $1,000 over the final insurance cost.
It took me 2 years to get my money back. My visits, phone calls, and letters never worked. It was only after the insurance company contacted them twice they got through to the OLOL dunderheads.
Yep, it was the spirit of stealing and a lesson learned.
Never having a major illness, I inadvertently paid an OLOL pre-insurance bill which was $1,000 over the final insurance cost.
It took me 2 years to get my money back. My visits, phone calls, and letters never worked. It was only after the insurance company contacted them twice they got through to the OLOL dunderheads.
Yep, it was the spirit of stealing and a lesson learned.
This post was edited on 9/10/22 at 9:27 am
Posted on 9/10/22 at 7:04 am to member12
quote:
Not sure what else to do, and I’m not burning another hour on hold to verify that I don’t owe anything. Apparently I owe money to someone and neither of us know.
This. The bill I received lists “adjustments” 3 times, and says I still owe $16.57
Like how is that even being calculated?The paper, printer ink, and mailing costs more than the bill they sent me
It’s a completely botched system. Seems like no one is at the wheel for this system and doctors offices and insurance companies are putting more back on people who PAY for insurance every pay check.
Posted on 9/10/22 at 7:08 am to Bawwitdabaw
quote:
they need to post the actual cash prices they are going to charge the insurance so everything is transparent and everyone knows.
Charges are posted on a fee schedule but the contracted prices between the payor and the provider are not. That being if you get the codes from the provider, your insurance can usually give you a pretty good idea of your out of pocket cost. Whether the contract says the provider will be paid 90% or 110% of the payable amount doesn't change the out of pocket expense to you all that much.
Might this problem cause a delay in your services, sure. Might this cause additional costs in the long run because of additional visits and co-pays, sure.
Posted on 9/10/22 at 7:11 am to HeadyMurphey
quote:
When advanced EOB takes affect, it will provide the solution everyone is looking for, but it has been delayed due to provider pushback. I estimate it will take place mid to late 2023
Rates have to be published. That went into effect on July 2, 2022, but making it a usable format is an issue.
Providers don’t send out the EOB’s, insurance companies do. They would be the ones pushing back.
I agree that everything is messed up. Prices are inflated because of the % rate that Medicare reimbursed at. Hospitals can’t change their charge rate based on insurance, so it’s stuck at a higher rate due to that. Since there are a higher number of Medicare enrollees, rates drop almost every year so the government can afford to pay for everyone. That’s not going away.
Late bills are on providers, billing, and insurance companies. It sucks for us for sure, but I’m not sure what the correct solution is.
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