Misnomer

Technology progressed faster than ethical considerations and legal constraints. It will get worse.

quote:

---

When you say “what they would have charged insurance”, is that the contractual amount insurance pays or the billed charges? Those are two vastly different amounts,

---

True, and if you have a high deductible plan the patients often end up paying the ludicrous billed charges, not the secret contractual amount between the clinic and insurer that kicks in after a high deductible is met.

Here is an actual bill in mychart for my trigger finger injection. The billed charge represents what they'd have charged insurance if I had it. It doesn't reveal what the insurance would have actually paid them back, but if insured, I'd have paid that egregious amount more if deductible wasn't met. The cash patient discount is better than insurance.



It's a scam

quote:

---

Why not just put her on your plan?

---

For perspective it might cost him $160 a pay period for self only but it jumps to $1200 - $1400 when adding dependents. This is a common problem.

I'm in almost the same situation as your family. If she's healthy consider putting $500- $1k a month into a HSA for potential emergencies and look into direct primary care memberships in your area. Works great for me.

At first it feels like a gamble but paying $1200+ a month for a plan that has a high deductible where you still always get a $75-$150 bill afterwards is a f*cking scam. I've negotiated cash pay for all my medical care this year and it's been a fraction of what they'd have charged insurance. If I have a million dollar medical emergency I'll haggle it down and finance it.

ETA: for perspective here's examples of what I paid for my healthcare recently vs what they'd have charged insurance
Complete labs: ~$70 vs $400
Mammogram: ~$120 vs $300
Trigger finger injection: ~$225 vs $900
My Primary care, OB/GYN, Eye dr visit are all $125 to $150 without insurance vs $250 to $400 they'd have charged insurance.

All the cash pay healthcare I've received combined this year cost less than the cost of one months premium for which I'd have received no healthcare in return. Again this only works for healthy people without expensive meds. Insurance is a scam for those in my situation

If you start doing it too, she'll probably cut back on it. You know they don't wanna sound like the olds.

quote:

---

I could care the frick less how I type

---

So you do care. Why waste all that energy pretending you couldn't care less?

Cute joke. Looks like a fun family.

quote:

---

Live your life right. That is the point Thuggin it and lovin it will ruin you kids life too. Get your shite right

---

Some people do figure that out after getting in prison but it takes a long time to reach their second chance. Staying connected through events like this can only inspire them to stay on track.

Who shits on a story like this on Thanksgiving? Danilo.

I'm glad there are people out there who have great ideas like this one and make it happen.

quote:

---

87 baggies

---

Couldn’t quite make it to 88, damn.