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Here's why we'll never see affordable health care in this country

HOME DEPOT GEORGEHOME DEPOT GEORGE Posts: 658 Officer
Just got the statement for my 3 day hospital stay after my heart attack. This is just the hospital bill no specialists and procedures.
amount billed
99,553.42
discount
58,883.16
covered amount
40,670.26
deductible
200
plan paid
37,900.48
co insurance
2,569.78
patient pays
2,769.78

Now for the good ones how about 6,645 billed for an xray after discount cigna paid 1,556.65.

miscellaneous labs $42,449.44 billed $25,107.70discount $0.00 cigna paid $17,341.74
What I don.t understand is why they are pushing through these health insurance bills without addressing the cost of health care. I donn't care if it's democrats or repubs health insurance will skyrocket unless costs are dealt with
[SIGPIC][/SIGPIC]
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Replies

  • MenziesMenzies Posts: 19,289 AG
    And they blame the big pharm companies - don't see any pharm charges on there - just the hospital and doctors.
    Maybe if we tell people that the brain is an App, they will start using it.
  • stc1993stc1993 Albany, GA Carrabelle, FLPosts: 7,643 Admiral
    My heart attack was around $70k I had the angioplasty & stent. In 96 my wife had angioplasty & dbl bypass & it was $40k back then. Ridiculous how it has gone up in 20 yrs.
  • PROFINITYPROFINITY Posts: 294 Deckhand
    It's called a scam.

    The amount billed is 100% bull****. It is to make the public believe they must have insurance coverage. They could bill you $1,500,000 for the hospital or whatever ridiculous number, the amount they are actually paid is radically different. I doubt the amount you see the insurance company paid the hospital is fictitious. It is all about sucking money out of the patients wallet, insurance or not.

    If folks want a change (back to reality), it's far past time to revolt. Revolt can be financial, not bloodshed and destruction of property. When people unite, which they are not currently, and take action together, then things will change. Until then, we are all drinking the koolaid.
  • NewberryJeffNewberryJeff Posts: 7,447 Admiral
    We do a terrible job of controlling costs.
    But, how much should it cost for a hospital staffed with experts in every field, flush with the latest equipment, etc., to save your life?
    The price of a small center console or mid-tier pickup truck doesn't sound too bad.
  • mplspugmplspug Palmetto FloridaPosts: 12,858 AG
    He's right. Isurance and the government never pay full price. That's also why going in network is cheaper because they have fixed pricing agreements in place already with them.

    When it comes to paying your deductible, you can always try and negotiate with the hospital like they do. You probably won't be successful, but it's worth a shot.

    Sent from my SM-G935V using Tapatalk

    Captain Todd Approves

  • Gary SGary S Posts: 2,295 Captain
    Insurance companies in my opinion is the problem. medical provider says I want $100 to do something. Insurance company says well I know you want $100 but we are only going to give you $79.83 because that is what we feel its worth. So next time the medical provider says well if I'm only going to get $79.83 for $100 procedure this time I will $184.00 so maybe I will get my $100.
    I also find it insulting when the insurance starts telling me about the discount that they got me. You want to see a discount? Talk to someone with no insurance, while the cost is high it's a lot lower than what you and the insurance company will pay.
  • Baits OutBaits Out Posts: 12,331 AG
    Last year my wife had many many issues -- many doctor visits, many pharmacy and lab needs, and many hospital stays.

    At the end of the year our total billing was a little over $400,000.

    Her Humana PPO plan covered most so our share was almost $4,000. The insurance costs about $250/month.

    Do the math, . . . and why I am not complaining.

    Obamacare is a total scam and failure, as people are now learning.

    :wink

    A southeast Florida laid back beach bum and volunteer bikini assessor who lives on island time. 
  • dragon baitdragon bait Posts: 9,245 Admiral
    Baits Out wrote: »
    Last year my wife had many many issues -- many doctor visits, many pharmacy and lab needs, and many hospital stays.

    At the end of the year our total billing was a little over $400,000.

    Her Humana PPO plan covered most so our share was almost $4,000. The insurance costs about $250/month.

    Do the math, . . . and why I am not complaining.

    Obamacare is a total scam and failure, as people are now learning
    .

    :wink

    Don't worry tRumpcare will fix everything
    :Spittingcoffee
  • TampaTarpon5TampaTarpon5 Posts: 808 Officer
    The only real problem with Affordable care is the penalties for opting out, that's ridiculous. That is costing poor and middle class people way to much money. Funnier thing is Donnie and his boyfriend Paul had allllllll the time in the world and made allllll the supporters believed they had something when in actuality they didn't. I still have pissed off trump supporter friends waiting to stop paying those **** ACA fees.
  • cadmancadman Home of the Gators Posts: 33,284 AG
    What I don.t understand is why they are pushing through these health insurance bills without addressing the cost of health care. I donn't care if it's democrats or repubs health insurance will skyrocket unless costs are dealt with

    What do you suggest? Should we have the government control the salaries of those in the medical profession? Should we mandate a nurse can only make so much? You know the reason that bill is so high is due to the salaries the professional who took care of you were paid. The largest expense in any hospital is payroll.

    I guess we could also mandate that the companies making all the equipment to keep you alive sell it cheaper so there is no money to be made to improve the equipment and create new life saving products.

    It is impossible to reduce healthcare costs unless you want the government to control what those in the healthcare and related fields make.

    I was not aware you were in favor of a larger government and more government control.

    Mini Mart Magnate

    I am just here for my amusement. 

  • cadmancadman Home of the Gators Posts: 33,284 AG
    The only real problem with Affordable care is the penalties for opting out, that's ridiculous. That is costing poor and middle class people way to much money. Funnier thing is Donnie and his boyfriend Paul had allllllll the time in the world and made allllll the supporters believed they had something when in actuality they didn't. I still have pissed off trump supporter friends waiting to stop paying those **** ACA fees.

    I believe everyone should have insurance. I don't want to pay your hospital bill if something you don't expect happens to you. I would agree to letting people opt out of insurance as long as doctors and hospitals can opt out of treating them.

    Mini Mart Magnate

    I am just here for my amusement. 

  • kilboarkilboar Posts: 53 Deckhand
    Kick the insurance companies out of healthcare. Why should they be getting rich for doing nothing?

    We should be paying into medical groups that own hospitals and have doctors. Cut out the middle man.
    Insurance companies are a pain in the **** to doctors and their customers.


    Sent from my iPhone using Tapatalk
  • Mister-JrMister-Jr Posts: 27,762 AG
    cadman wrote: »
    What do you suggest? Should we have the government control the salaries of those in the medical profession? Should we mandate a nurse can only make so much? You know the reason that bill is so high is due to the salaries the professional who took care of you were paid. The largest expense in any hospital is payroll.

    I guess we could also mandate that the companies making all the equipment to keep you alive sell it cheaper so there is no money to be made to improve the equipment and create new life saving products.

    It is impossible to reduce healthcare costs unless you want the government to control what those in the healthcare and related fields make.

    I was not aware you were in favor of a larger government and more government control.

    This month’s tracking survey examines potential policy aimed at one of the public’s top health care priorities for President Trump and Congress: lowering the cost of prescription drugs. Six in ten Americans say lowering the cost of prescription drugs is a “top priority” for President Trump and Congress – including majorities of Democrats, Republicans, and independents.

    http://kff.org/report-section/kaiser-health-tracking-poll-late-april-2017-the-future-of-the-aca-and-health-care-the-budget-rx-drugs/
    Vote for the other candidate
  • Bayport_BobBayport_Bob Posts: 15 Deckhand
    kilboar wrote: »
    Kick the insurance companies out of healthcare. Why should they be getting rich for doing nothing?

    We should be paying into medical groups that own hospitals and have doctors. Cut out the middle man.
    Insurance companies are a pain in the **** to doctors and their customers.

    Here's a hospital that does exactly that. (https://surgerycenterok.com/) They were on 60 minutes a few years ago. All prices are listed up front and include complications if they happen. They have a huge incentive to keep the quality of your care as high as possible to prevent cost overruns from infections and other typical hospital contracted illnesses. If you want to fix healthcare, then have every service provider post their price for a procedure and that price is paid by everyone. Then competition can truly take hold and drive down prices. It shouldn't matter what health plan you have or if you even have one to determine the final cost of a service.

    Should a car mechanic charge a different rate to me for fixing my transmission if I have Allstate vs. Geico? Should he charge me a different rate if I have no car insurance at all? The laws already exist to force the medical industry to comply with price transparency, but no one wants to enforce them.

    Here's a link to one of the best solutions I've run across regarding the out of control healthcare industry and legislation to bring it under control for good... https://market-ticker.org/akcs-www?post=231949
  • mplspugmplspug Palmetto FloridaPosts: 12,858 AG
    Gary S wrote: »
    Insurance companies in my opinion is the problem. medical provider says I want $100 to do something. Insurance company says well I know you want $100 but we are only going to give you $79.83 because that is what we feel its worth. So next time the medical provider says well if I'm only going to get $79.83 for $100 procedure this time I will $184.00 so maybe I will get my $100.
    I also find it insulting when the insurance starts telling me about the discount that they got me. You want to see a discount? Talk to someone with no insurance, while the cost is high it's a lot lower than what you and the insurance company will pay.

    Not to far from the truth there.
    Don't worry tRumpcare will fix everything
    :Spittingcoffee

    Good point :huh
    The only real problem with Affordable care is the penalties for opting out, that's ridiculous. That is costing poor and middle class people way to much money. Funnier thing is Donnie and his boyfriend Paul had allllllll the time in the world and made allllll the supporters believed they had something when in actuality they didn't. I still have pissed off trump supporter friends waiting to stop paying those **** ACA fees.

    :nono it's a tax, not a fee or penalty.

    The tax is actually pretty easy to avoid. Doing contract work I have lapses in coverage. So what do I do? Make sure that I don't get a refund at the end of the year, that's the only way they can make you pay it involuntarily. It's easy. You can change your allowances throughout the year. Hell, you can probably lie and say you were covered all 12 months, I am pretty sure the backlog on those red flags is pretty hefty.

    So now the question is, are you going to let your friends know about this new found information or will you continue to punish them?

    Captain Todd Approves

  • mustang190mustang190 Posts: 10,104 AG
    As long as the government is involved there never will be "affordable " medical anything.
    Let the free market work.
  • HOME DEPOT GEORGEHOME DEPOT GEORGE Posts: 658 Officer
    One thing that everybody should have if the option is there. Catastrophic illness insurance, I pay around 15.00 per check for the plan and once approved I will receive a one time payment of $7500 to cover medical bills,food,mortgage etc. When it's all said and done I will have everything payed for 100%
    [SIGPIC][/SIGPIC]
  • FinfinderFinfinder Posts: 9,999 Admiral
    We do a terrible job of controlling costs.
    But, how much should it cost for a hospital staffed with experts in every field, flush with the latest equipment, etc., to save your life?
    The price of a small center console or mid-tier pickup truck doesn't sound too bad.

    Defensive medicine is a big problem in costs as well.
  • MenziesMenzies Posts: 19,289 AG
    Tort reform would also go along way to reducing costs.
    Maybe if we tell people that the brain is an App, they will start using it.
  • cadmancadman Home of the Gators Posts: 33,284 AG
    Menzies wrote: »
    Tort reform would also go along way to reducing costs.

    :rotflmao

    Mini Mart Magnate

    I am just here for my amusement. 

  • FogFog Posts: 64 Greenhorn
    I had a quad bypass done 1 week ago. Of course there were mulitiple tests to be done and for each one they asked me to pay x amount. I gave them all the money I had and they financed the rest for the 1st one. Each test after the 1st I was asked for x amount and I said I have no more money. They said ok we will waive that charge. I think maybe they just throw out a charge just to see if you will pay.
  • MenziesMenzies Posts: 19,289 AG
    cadman wrote: »
    :rotflmao
    You don't believe the liability insurance that doctors and hospitals have to pay play a part in rising costs?
    Maybe if we tell people that the brain is an App, they will start using it.
  • TarponatorTarponator Under a BridgePosts: 17,011 AG
    Although tort reform would help, liability insurance is not really the root cause of the healthcare cost problem. The real problem is there are too many profit centers in American healthcare, defended vigorously by the paid politicians in Washington, and the only control on the price/payment side is insurance companies who could care less.

    The result is the consumer (that it to say every one of us) is being forced to pay ever increasing prices for already globally-lagging health outcomes.

    And if you think blowing up Obamacare and going to health savings accounts is the answer, let's take account of that if and when it happens, but you all are in for a rude awakening as the "free market" continues to squeeze additional profit from consumers without regard for driving down costs or providing better healthcare.
  • cadmancadman Home of the Gators Posts: 33,284 AG
    Menzies wrote: »
    You don't believe the liability insurance that doctors and hospitals have to pay play a part in rising costs?

    http://www.nber.org/aginghealth/2009no3/w15371.html

    http://dailycaller.com/2016/10/16/exclusive-a-look-inside-reforms-that-could-drastically-lower-healthcare-costs/

    https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3048809/

    I can list 100 other studies. They all show the cost of malpractice is only about 2% to 3% of healthcare costs. I can't find it now, but there is a study going as high as 5% when including additional tests to prevent lawsuits. If you managed to eliminate all malpractice claims and the liability insurance costs, the inflationary costs would be more than the savings within one year.

    You are from Ireland, if I remember correctly. According to this article there is an argument that Ireland may be paying Trainees too much.

    http://www.irishhealth.com/article.html?id=21295

    Those salaries are a lot less than doctors here earn. The simple truth is we pay our doctors a lot more than other countries do. We play those in the healthcare field a lot more than other countries do. It plays a much bigger role than any tort reform.

    I am not in favor of government control of pay, I would oppose any effort to reduce the salaries of those in the healthcare field, but it is the primary reason we pay more here than other countries. We want the best, we get the best, we have to pay for the best.

    Mini Mart Magnate

    I am just here for my amusement. 

  • cadmancadman Home of the Gators Posts: 33,284 AG
    Tarponator wrote: »
    Although tort reform would help, liability insurance is not really the root cause of the healthcare cost problem. The real problem is there are too many profit centers in American healthcare, defended vigorously by the paid politicians in Washington, and the only control on the price/payment side is insurance companies who could care less.

    The result is the consumer (that it to say every one of us) is being forced to pay ever increasing prices for already globally-lagging health outcomes.

    And if you think blowing up Obamacare and going to health savings accounts is the answer, let's take account of that if and when it happens, but you all are in for a rude awakening as the "free market" continues to squeeze additional profit from consumers without regard for driving down costs or providing better healthcare.

    You get the best medical care in the world here in the U.S. Our issue is our society is focused on repair health care and not preventative healthcare. You just posted that young people don't need insurance (opting out). They do if we are to move to preventative care and not waiting until the crisis happens to see a doctor. Everyone should see a doctor periodically. I know people who haven't seen a doctor for a physical in over a decade.

    Mini Mart Magnate

    I am just here for my amusement. 

  • TarponatorTarponator Under a BridgePosts: 17,011 AG
    We don't get anywhere near the best medical care in the US, much less in terms of dollars per result. You lost me at hello.

    That said, I agree that we need preventative care. But what we really need are less fat people, drunks and smokers. Perhaps preventative care is part of the answer, but I'm not sure it goes to the root of the problem.
  • stc1993stc1993 Albany, GA Carrabelle, FLPosts: 7,643 Admiral
    That's true, we were pretty far down on the list for best health care. I can't remember what the number was though.
  • stc1993stc1993 Albany, GA Carrabelle, FLPosts: 7,643 Admiral
    That's true, we were pretty far down on the list for best health care. I can't remember what the number was though.

    I just googled it we didn't even make the top 16 list.
  • cprcpr Posts: 9,309 Admiral
    Okay, there is a lot to the issue.
    Patients want to be treated like royalty and get the best of everything but not pay for it.
    MD's, love to try new stuff and a good percentage of the time it is not worth the cost.
    Government regs are out of control. Way out of control.
    Some administrators salaries are out of control.

    The fist fix, I would make is go back before 1980 and make all hospitals non-proift. The money would be put back into the system, used to pay for charity cases, and be a tax write off. Administrators shouldn't have to be cutting staff to make sure share holders make their quarterly cash. There should be no share holders. Maybe non-profit would stop the yearly price increases.
    "The test of a first-rate intelligence is the ability to hold two opposed ideas in the mind at the same time, and still retain the ability to function." F. Scott Fitzgerald

    "Prediction is very difficult, especially if it's about the future." Niels Bohr
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