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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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  •  Is this what keeps costs high for the uninsured? (2+ / 0-)
    Recommended by:
    mijita, ladybug53

    I've only had to deal this this with dental work but I assume doctors do the same thing.

    The dentist has an official rate but accepts the insurance company rate. In reality most of their work is covered by insurance which requires lots of billing paperwork and delay to get paid.

    When I had work done while I had no insurance, I had to pay this fictitious high amount even if I paid on the spot and they did not even have the expense of mailing a bill. I did find if I made a fuss and also paid at the visit I could get a 5% discount but I still paid a lot more than the dentist gets from insurance.

    Have others been able to negotiate better discounts or it just the "way it is"?

    •  The uninsured are screwed (2+ / 0-)
      Recommended by:
      mijita, Coastrange

      Unless an uninsured person can negotiate with their provider, they will be billed the higher rate and will be expected to pay it.

      This also applies to prescription drugs. For example, I have a mild case of diabetes and check my blood sugar twice a day. Those little test strips retail for $1 each but through my mail order prescription drug plan I get 300 strips for $30. The uninsured person would have to pay $300.

      No wonder people who are unemployed and uninsured don't get medical care.

      •  Don't get me started on prescription costs (0+ / 0-)

        My husband lost his job in December. They cut off his insurance at the end of the month but it took awhile to get Cobra going. During that time he needed to fill some prescriptions so we got a taste of list price.

        It doesn't seem right that the person paying cash on the spot pays so much more than the insurance company who requires billing and takes time to pay.

        The whole system is such a Rube Goldberg Contraption. We need to start over rather than adding more to it.

        •  You should file a claim (0+ / 0-)

          If you purchased those medications during the time COBRA was in effect (even though it took a while to get started), you should be able to submit a claim.

          Check on it.

          •  We have (0+ / 0-)

            We did file a claim. It was complicated and took several calls to customer service.  If the extra cost had been $10 instead of $250 we probably would have just forgotten it. This is not a user friendly system. My husband and I are both college educated and we found it difficult to navigate. I assume that is intentional.

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