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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 also screws the insured. (1+ / 0-)
    Recommended by:
    mijita

    Imagine if your auto insurance was based on usual and customary fees. The insurance company could say the UCF for a bumper is $100. The UCF doesn't mean a thing unless there is some objective enforceable means of determining the UCF.

    We shall overcome, someday. Yes we can.

    by Sam Wise Gingy on Sat Feb 21, 2009 at 12:15:55 PM PST

    [ Parent ]

    •  Actually they do have auto insurance (0+ / 0-)

      fees done exactly the same way.  That's why there's approved towers, garages and car rental places.  All of them have negotiated products, parts and labor rates with the insurance companies in order to be placed on the "approved" or "authorized" lists.

      the third eye does not weep. it knows. Political compass: -9.75 / -8.72

      by mijita on Sat Feb 21, 2009 at 12:25:42 PM PST

      [ Parent ]

      •  Those approved shops (1+ / 0-)
        Recommended by:
        mijita

        handle the claim for you as well. The auto insurance company is liable where ever you get the work done.

        We shall overcome, someday. Yes we can.

        by Sam Wise Gingy on Sat Feb 21, 2009 at 12:43:23 PM PST

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        •  Right, but the coverage isn't usually (0+ / 0-)

          as good.   Same as with doctors -- I can go out of network, but my coverage suddenly drops down to 50%.

          Back when I had a car, I was told I could get it fixed at a specific garage, but the Allstate  wouldn't cover anything over the "reasonable and customary" charges and they didn't recognize this garage as "approved" (though Ford did).  Since this was my insurance (rather than part of an accident settlement with someone else's), if I wanted better payment, I had to use one of the body shops they put on their approved list.

          the third eye does not weep. it knows. Political compass: -9.75 / -8.72

          by mijita on Sat Feb 21, 2009 at 12:56:34 PM PST

          [ Parent ]

          •  Yes but you have a way to argue (1+ / 0-)
            Recommended by:
            mijita

            what the reasonable and customary fee is on a auto repair. You generally don't on a medical procedure.

            We shall overcome, someday. Yes we can.

            by Sam Wise Gingy on Sat Feb 21, 2009 at 01:06:18 PM PST

            [ Parent ]

            •  With the doctor or the insurance company? (0+ / 0-)

              We tend to be so intimidated by medicine.  Most doctors I've dealt with are great about negotiating services when needed -- assuming they even know how much is being charged in their name.

              One of the many bad things about health insurance in the US is the way it makes people feel even less able to understand medical treatment and costs.  :-/

              the third eye does not weep. it knows. Political compass: -9.75 / -8.72

              by mijita on Sat Feb 21, 2009 at 01:11:28 PM PST

              [ Parent ]

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