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Posted on 6/22/22 at 11:14 am to Zapps
It’s far from a perfect system, but my brother recently completed cancer treatment and the total bill for his 18 mo treatment plan was north of $3M.
Posted on 6/22/22 at 11:15 am to SportsGuyNOLA
quote:
Then you have to pay a penalty in your taxes
You poor, poor soul. I guess nobody told you?
Posted on 6/22/22 at 11:20 am to Zapps
i think the better question here is why do so many medical procedures, tests, and supplies cost so damn much.
maybe if costs of everything weren't so inflated the insurances would have to be more competitive or even to the point where opting out wasn't a huge gamble.
the whole human medical scene is just predatory at this point.
maybe if costs of everything weren't so inflated the insurances would have to be more competitive or even to the point where opting out wasn't a huge gamble.
the whole human medical scene is just predatory at this point.
Posted on 6/22/22 at 11:28 am to Zapps
I haven't needed medical insurance for a long time, but recently had to have a bunch of tests performed. I thought I was going to get reamed for like $10k, but I have pleasantly surprised when I got the bills and they totaled about $500 - thanks to my insurance.
Posted on 6/22/22 at 11:32 am to Indefatigable
quote:
Yes. I have already been over it with Woman's
That’s the hospital bill, you will usually be billed individually for professional services. The Dr. that did the delivery, anesthesiologist, pathology, and neonatologist are all typical bills you will receive.
Posted on 6/22/22 at 11:33 am to dukke v
quote:
Well let’s see… I’ve had 19 operations and my total cost is near 700,000. Glad as hell I had it….
Where did you get this total cost from? Is it the same if Medicare paid it? Is it the same if a different insurer paid it? Is it the same if you'd have cash in hand?
The answer is NO to all. We don't know the true cost of anything in healthcare.
Posted on 6/22/22 at 11:38 am to Zapps
Sounds like you have the wrong insurance.
Posted on 6/22/22 at 11:39 am to WildTchoupitoulas
quote:
how does that work?
In a free market, the costs of everything are known up front. A Samsung 50" TV is roughly the same price from Miami to Seattle. There are consumer protections for price gouging and poor actors would lose business.
quote:
What's the demand for good health?
My company pays me for my gym membership. They also penalize those that still use tobacco. Again, in a free market, there would be incentives for good health.
I'm a big fan of HSA's. Make the consumer PAY for procedures under $5K. It forces them to shop and cost compare.
Posted on 6/22/22 at 11:41 am to Aubie Spr96
If I owned a company that paid health insurance, a gym membership and annual checkup would be mandatory.
Still one of the more amazing things about COVID was shutting down Gyms and keeping McDonalds and Taco Bells open.
Still one of the more amazing things about COVID was shutting down Gyms and keeping McDonalds and Taco Bells open.
Posted on 6/22/22 at 11:42 am to lsu13lsu
quote:
We don't know the true cost of anything in healthcare.
I don't know what the true cost of anything is in any market sector. All I know is the price which is supposedly set by supply and demand, irrespective of cost to produce. I'm not so sure I want to test the value of my life in the medical marketplace. Supply is short, there's just one of me. Demand is infinite, I want to live. What's the price?
Posted on 6/22/22 at 11:43 am to WildTchoupitoulas
quote:
I don't know what the true cost of anything is in any market sector. All I know is the price which is supposedly set by supply and demand, irrespective of cost to produce. I'm not so sure I want to test the value of my life in the medical marketplace. Supply is short, there's just one of me. Demand is infinite, I want to live. What's the price?
We are talking about our cost for our healthcare. So you should know your cost for say a TV.
This post was edited on 6/22/22 at 11:46 am
Posted on 6/22/22 at 11:48 am to WildTchoupitoulas
quote:
I'm not so sure I want to test the value of my life in the medical marketplace. Supply is short, there's just one of me. Demand is infinite, I want to live. What's the price?
My father-in-law is in his 80's. He's diabetic and not long ago had a kidney removed that was cancerous. He has no insurance. What does he do? Well, he pays a flat fee every month to his local doctor that covers everything. Is it expensive? Yes. But, he never has to worry about the price or cost of any medical procedure.
The free market would provide you with such a plan if you wanted to pay for it.
Posted on 6/22/22 at 11:54 am to EA6B
quote:
The Dr. that did the delivery, anesthesiologist, pathology, and neonatologist are all typical bills you will receive.
And I have. $0 out of pocket for any of that.
This post was edited on 6/22/22 at 12:04 pm
Posted on 6/22/22 at 12:00 pm to dukke v
quote:
Well let’s see… I’ve had 19 operations and my total cost is near 700,000. Glad as hell I had it….
Those must be some really minor surgeries or they’ve been cutting your insurance one hell of a deal. A little over five years ago I had two open hear surgeries and spent 31 days in the hospital. The bill submitted to insurance was over $1 million.
Posted on 6/22/22 at 12:00 pm to Aubie Spr96
quote:
he pays a flat fee every month...that covers everything.
I used to have that, it was called insurance. But now I pay the flat fee AND more on top for services.
It's like cable TV. When it first came out, there were no commercials because it was a subscription service. Now it's still a subscription service, but we have to have commercials too.
Do we really want doctors operating only under a profit motive? How much could they squeeze out of me to keep me alive? Maybe none would work on me because I wouldn't have enough in assets.
Posted on 6/22/22 at 12:03 pm to Zapps
Cash price always 1/3 of insurance price.
I suggest a medical savings account.
I pay $6k a year for insurance. Then had to pay $3000 for tests out of pocket.
In 10 years of using insurance I've needed $11k for 3 days in hospital.
I suggest a medical savings account.
I pay $6k a year for insurance. Then had to pay $3000 for tests out of pocket.
In 10 years of using insurance I've needed $11k for 3 days in hospital.
Posted on 6/22/22 at 12:14 pm to Zapps
Just one of my meds would cost $35k a year but I am in a minority with a non functioning organ. Cost us $50 some months, $10 other months with insurance... it makes no sense because it is always the same amount of pens. Insulin costing $3k a month is asinine, it's not like it is new cutting edge medicine.
Posted on 6/22/22 at 12:18 pm to Zapps
Sucker.
You should have tax payers pay for your insurance.
You should have tax payers pay for your insurance.
Posted on 6/22/22 at 12:26 pm to Lawyered
quote:
Paying monthly only to then have the privilege to pay out of pocket for your deductible What a great scheme they have concocted
The insurance is there for the big bills, the heavy lifting. That’s what you SHOULD be buying insurance for.
People are always complaining about having to pay a deductible and co-pays even though they pay a high premium. But I will gladly pay a $7000 or $8000 deductible and take comfort knowing that the insurance will pay the $60,000 or $75,000 balance of the medical bill! Most plans nowadays have a max out of pocket, which is your safety net, it’s usually less than $10,000.
I mean, that’s peace of mind for me.
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