Doctor stops accepting insurance, lowers prices and posts costs online

  • metta

    Posts: 39104

    May 29, 2013 4:54 PM GMT
    Doctor stops accepting insurance, lowers prices and posts costs online

    http://news.yahoo.com/blogs/sideshow/doctor-stops-accepting-insurance-lowers-prices-posts-costs-194405203.html
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    May 29, 2013 6:20 PM GMT
    metta8 saidDoctor stops accepting insurance, lowers prices and posts costs online

    http://news.yahoo.com/blogs/sideshow/doctor-stops-accepting-insurance-lowers-prices-posts-costs-194405203.html


    You're going to see more and more of this - and that's actually a good thing because it means a reduction in third party payors - the key for patients of doctors like this is they still need to get excess of loss insurance for things like cancer, etc - it's quite likely it will also mean that people live healthier. Other firms doing similar things include Qliance and MedLion.

    Obamacare is about to burden doctors with a massive amount of paperwork in the transition to ICD-10 - moving from 18,000 diagnostic codes to over 140,000 that they have to key in each time someone sees them.
  • musclmed

    Posts: 3279

    May 29, 2013 6:40 PM GMT
    the system will need to reset. And this could be one way that it could reset.

    If we stopped accepting insurance people would start being involved more in healthcare because they have skin in the game.

    Now a visit and how much it costs is decoupled from the patient.

    The phone conversation billing is something that for the future needs to be handled by reimbursement.

    Some patient feel they can see a MD once every 3 years with 10-15 calls a year.
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    May 29, 2013 6:40 PM GMT
    GaysGeneration said
    riddler78 said
    metta8 saidDoctor stops accepting insurance, lowers prices and posts costs online

    http://news.yahoo.com/blogs/sideshow/doctor-stops-accepting-insurance-lowers-prices-posts-costs-194405203.html


    You're going to see more and more of this - and that's actually a good thing because it means a reduction in third party payors - the key for patients of doctors like this is they still need to get excess of loss insurance for things like cancer, etc - it's quite likely it will also mean that people live healthier. Other firms doing similar things include Qliance and MedLion.

    Obamacare is about to burden doctors with a massive amount of paperwork in the transition to ICD-10 - moving from 18,000 diagnostic codes to over 140,000 that they have to key in each time someone sees them.


    Why did Obama do it?


    The problem is that while he has adopted the moniker, he didn't write the legislation which was a hodgepodge of text written by Pelosi and Reid along with numerous lobbyists. I assume he thought it would work out despite the obvious issues and numerous "unintended consequences" that have been showing up. It is the hallmark of his legacy - I suspect however, given how badly implementation has been (and has been predictably been) that it will not be a good legacy.
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    May 29, 2013 6:42 PM GMT
    musclmed saidthe system will need to reset. And this could be one way that it could reset.

    If we stopped accepting insurance people would start being involved more in healthcare because they have skin in the game.

    Now a visit and how much it costs is decoupled from the patient.

    The phone conversation billing is something that for the future needs to be handled by reimbursement.

    Some patient feel they can see a MD once every 3 years with 10-15 calls a year.


    Yes, the irony is that this could be the start of something that resembles a system that makes sense. Why is healthcare the only industry where insurance is supposed to pay for everything? You go take your car for a tuneup but you don't expect insurance to pay for it - and people can afford that. Insurance should be for the unanticipated and unusual events.
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    May 30, 2013 2:12 PM GMT
    More here:
    http://bangordailynews.com/2013/05/27/news/portland/south-portland-doctor-stops-accepting-insurance-posts-prices-online/

    That time is crucial to Ciampi. When his patients come to his office, they see him, not a physician’s assistant or a nurse practitioner, he said.

    “If more doctors were able to do this, that would be real health care reform,” he said. “That’s when we’d see the cost of medicine truly go down.”
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    May 30, 2013 2:36 PM GMT
    This is just the beginning... even those covered by health insurance are going to have to find a doctor that will accept it - but in the long run, that should be a good thing.

    http://www.cnbc.com/id/100546118

    Doctor Shortage Getting Worse

    Experts often call it the "invisible problem," because the shortage of doctors in the U.S. is not as conspicuous or talked about as much as home foreclosures or job losses.

    But the growing scarcity—most specifically of primary care physicians—is clear for patients who sit for hours in waiting rooms, must drive long distances to a physician's office or simply can't find a doctor.

    Some observers say that the shortage is a major threat to the nation's health care system. [...]

    The U.S. is estimated to be short about 16,000 primary care doctors. That leaves about 55 million people without a doctor or struggling to find one.
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    May 30, 2013 2:36 PM GMT
    My doctor accepts very few insurance plans and now that our employer is dropping our coverage starting next year, we need to buy our own insurance. The problem is, my current insurance company which is accepted by my current doctor is not participating in the California exchange, so I'm sunk.

    I won't rehash all the issues again in this topic, but you can read about it here:

    http://www.realjock.com/gayforums/3214122
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    May 30, 2013 8:57 PM GMT
    chefBH saidMy doctor accepts very few insurance plans and now that our employer is dropping our coverage starting next year, we need to buy our own insurance. The problem is, my current insurance company which is accepted by my current doctor is not participating in the California exchange, so I'm sunk.

    I won't rehash all the issues again in this topic, but you can read about it here:

    http://www.realjock.com/gayforums/3214122


    A good alternative is a high deductible health plan -
    http://articles.latimes.com/2013/may/05/business/la-fi-healthcare-watch-20130505

    And then you can go for a direct pay solution like MedLion or Qliance - Qliance costs as low as $50 bucks a month... but no I think in the aftermath of Obamacare implementation, there will be many who find they are no longer able to keep their health insurance options.

    http://www.walletblog.com/2011/07/new-primary-healthcare-models-are-gaining-traction/
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    May 30, 2013 11:28 PM GMT
    riddler78 said
    chefBH saidMy doctor accepts very few insurance plans and now that our employer is dropping our coverage starting next year, we need to buy our own insurance. The problem is, my current insurance company which is accepted by my current doctor is not participating in the California exchange, so I'm sunk.

    I won't rehash all the issues again in this topic, but you can read about it here:

    http://www.realjock.com/gayforums/3214122


    A good alternative is a high deductible health plan -
    http://articles.latimes.com/2013/may/05/business/la-fi-healthcare-watch-20130505

    And then you can go for a direct pay solution like MedLion or Qliance - Qliance costs as low as $50 bucks a month... but no I think in the aftermath of Obamacare implementation, there will be many who find they are no longer able to keep their health insurance options.

    http://www.walletblog.com/2011/07/new-primary-healthcare-models-are-gaining-traction/


    But I don't want to use a different insurance company, or find a new doctor. We were promised this wouldn't happen. icon_cry.gif

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    May 31, 2013 1:13 AM GMT
    riddler78 said
    musclmed saidthe system will need to reset. And this could be one way that it could reset.

    If we stopped accepting insurance people would start being involved more in healthcare because they have skin in the game.

    Now a visit and how much it costs is decoupled from the patient.

    The phone conversation billing is something that for the future needs to be handled by reimbursement.

    Some patient feel they can see a MD once every 3 years with 10-15 calls a year.


    Yes, the irony is that this could be the start of something that resembles a system that makes sense. Why is healthcare the only industry where insurance is supposed to pay for everything? You go take your car for a tuneup but you don't expect insurance to pay for it - and people can afford that. Insurance should be for the unanticipated and unusual events.


    WOW! AND IMAGINE IF REPUBLICANS WOULD ACTUALLY WORK ALONG WITH THE DEMOCRATS TO MAKE THE AFFORDABLE CARE ACT WORK!

    We've got a country of fat and chronically ill folks so that it should surprise no one that our healthcare costs are going to be outrageous.

    We have to find a way to work together, beyond partisanship, to find a solution.

    AND EVEN THEN, we're going to be barely be able to afford it.
  • Apparition

    Posts: 3521

    May 31, 2013 5:19 AM GMT
    what is health care insurance? oh right, I'm Canadian, we solved that dilemma in the 60's.
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    May 31, 2013 12:30 PM GMT
    blazerblue said
    riddler78 said
    musclmed saidthe system will need to reset. And this could be one way that it could reset.

    If we stopped accepting insurance people would start being involved more in healthcare because they have skin in the game.

    Now a visit and how much it costs is decoupled from the patient.

    The phone conversation billing is something that for the future needs to be handled by reimbursement.

    Some patient feel they can see a MD once every 3 years with 10-15 calls a year.


    Yes, the irony is that this could be the start of something that resembles a system that makes sense. Why is healthcare the only industry where insurance is supposed to pay for everything? You go take your car for a tuneup but you don't expect insurance to pay for it - and people can afford that. Insurance should be for the unanticipated and unusual events.


    WOW! AND IMAGINE IF REPUBLICANS WOULD ACTUALLY WORK ALONG WITH THE DEMOCRATS TO MAKE THE AFFORDABLE CARE ACT WORK!

    We've got a country of fat and chronically ill folks so that it should surprise no one that our healthcare costs are going to be outrageous.

    We have to find a way to work together, beyond partisanship, to find a solution.

    AND EVEN THEN, we're going to be barely be able to afford it.


    The problem is that ACA is flawed legislation from the get go because of the way it was written and the level of regulations that are prescribed. Why wouldn't they skip ICD-10 when ICD-11 is coming out in a few years?

    The way to "fix" the problem is to step back and make it easier for there to be decentralized solutions that can flourish. The idea that parties should work together to be more intrusive and think that there can be a one sized fits all solution is ridiculous. Even the basic idea of having insurance cover all costs is absurd on its face.
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    May 31, 2013 12:31 PM GMT
    Apparition saidwhat is health care insurance? oh right, I'm Canadian, we solved that dilemma in the 60's.


    Er... when is the last time you had to look for a specialist? Just booked an appointment for a (non-critical) follow up and it's over 3 months away. Just wait as the baby boomers keep retiring and age...
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    May 31, 2013 12:53 PM GMT
    riddler says " Even the basic idea of having insurance cover all costs is absurd on its face."

    On this we completely agree.

    Speaking of absurd, even Sarah Palin was partly correct in bringing our attention to DEATH PANELS by one form or another as there already is.

    No, not all costs will be covered and responsible policymakers know this.

    But Republicans have not been responsible. Every attempt at healthcare cost controls have been met with cries of scare tactics.

    Democrats have done the same previously. Both will have to do a ceasefire on the BS and work for us.
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    May 31, 2013 1:24 PM GMT
    blazerblue saidriddler says " Even the basic idea of having insurance cover all costs is absurd on its face."

    On this we completely agree.

    Speaking of absurd, even Sarah Palin was partly correct in bringing our attention to DEATH PANELS by one form or another as there already is.

    No, not all costs will be covered and responsible policymakers know this.

    But Republicans have not been responsible. Every attempt at healthcare cost controls have been met with cries of scare tactics.

    Democrats have done the same previously. Both will have to do a ceasefire on the BS and work for us.


    And rightfully - when it comes to cost controls. Why can't government encourage cost competition and transparency instead of heavy handed regulatory reductions and price constraints? I'd agree that Republicans are probably equally culpable in not offering a strong alternative vision - but I'd suggest that instead of doing more both need to learn to do less.

    But again, the irony is that the heavy handed legislation may push more doctors to ask for cash - and if that's the case, either doctors will effectively become insurers for primary care as is the case for Qliance, or insurers may develop products that are more flexible. And these would be sustainable solutions that would ultimately drive healthcare costs down.