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May 10, 2007

health care cost

Why is it all so expensive? Because that's the only way to
get paid. I was explaining this to someone yesterday.

"Okay, so you know how you set charges (prices) for all this
stuff, right? Basically, look up what Medicare pays out for
the procedure code, and double it, and that's your charge.
Private insurance will pay you something completely random
that's in between Medicare and your charges, and call the
rest of it an adjustment, which you then write off.

And if you know the system and are uninsured, you can often
ask a provider if you can pay them whatever they get from
Blue Cross, and they'll be happy with that, because they'd
rather not send you to collections for not paying at all."

music: Asobi Seksu: Mizu Asobi

candice at May 10, 2007 10:48 PM

Comments

Illegal in some states. "Discriminatory" to charge different prices based on whether a customer is insured, or not. However, a good idea to ask the doc what their price is for cash customers! A large portion of doc's office expense is dealing with insurance ... and I hate even calling the state-run, single-payer system "insurance" as it is a complete bastardization of the term and the concept ...

Posted by: Bill aka NO DooDahs! at May 11, 2007 09:11 AM

Agreed on the office cost thing, even Envoy isn't cheap, and that's the best thing going for doing multiple carriers. You have to keep at least one computer with some accounting software on it functional enough to operate a 9600 baud money pipe, basically. Most of the software sucks, too, and I say this having written some of it.

Whole thing's a mess, though, as a rule.

Posted by: candice at May 11, 2007 10:10 AM

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