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View Diary: Do You REALLY Want To Know How F-Ed Up Health Insurance Is ? (50 comments)

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  •  It looks like (4+ / 0-)
    Recommended by:
    celdd, mijita, marina, A Man Called Gloom

    your insurance company got the medical center to write off about $2100 of your CT scan.

    YOUR INSURANCE COMPANY HAS PAID THEIR PORTION OF THESE CHARGES . PAYMENT OF THE REST OF THIS BILL IS YOUR RESPONSIBILITY.

    12/13/08  Supply of LOCM 75.00
    12/13/08  CT Pelvis With Contrast 1,568.00
    12/13/08 CT Abdomen with Contrast 1,756.00
    02/11/09 United Health Payment -33.08
    02/11/09 United Health Dissalowance -38.25
    02/11/09 United Health Payment -652.20
    02/11/09 United Health Dissalowance -2,099.33

    Balance Due: 576.14

    That leaves $576 for you and about $3300 paid by the insurance company. This is typical, and unfair to anyone lacking insurance. Those least able to pay get the highest bill -- about $2100 more than it cost you and your insurance company in this example. Large customers (your insurance company in this case) negotiating discounts for businesses they prefer to use is common but such large discounts don't seem fair to those facing health care needs without health insurance.

    Capital is only the fruit of labor, [...] Labor is the superior of capital, and deserves much the higher consideration.
    President Lincoln, December 3, 1861

    by notrouble on Sat Feb 21, 2009 at 12:09:02 PM PST

    [ Parent ]

    •  But under this code , doesn't that mean that the (1+ / 0-)
      Recommended by:
      notrouble

      $ 576.14 is not added towards the $3000.00 limit ?

      "I don't know it all, but I know that what I do know , I know enough of it to know that I know , I know it. Ya know ?" ~ Being In The Know

      by WeBetterWinThisTime on Sat Feb 21, 2009 at 12:13:51 PM PST

      [ Parent ]

      •  I don't see anything that says that. (1+ / 0-)
        Recommended by:
        WeBetterWinThisTime

        I would recommend you watch your out of pocket though.

        The final bill is from the Hospital. $576.14 is what they think you still owe. You don't owe any medical bills to your insurance company (just any part of the premium that you pay.) You pay for medical services only to the service provider.

        Now back to the "deductible" and "out of pocket" expenses...
        These are often not so simple. With my insurance I have co-pays and they are not considered part of my deductible or my maximum out of pocket expense. There are often some type of expenses you get stuck paying that don't count toward your deductible and may not count toward your maximum out of pocket amount either. It makes figuring out the total amount you should be paying that much harder. My guess it that hides some of their sloppy accounting too.

        Capital is only the fruit of labor, [...] Labor is the superior of capital, and deserves much the higher consideration.
        President Lincoln, December 3, 1861

        by notrouble on Sat Feb 21, 2009 at 05:19:04 PM PST

        [ Parent ]

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