OMG!!! The medical bills are arriving! And you oppose US health reform WHY???

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    Dec 14, 2009 11:57 PM GMT
    Some of you know the saga of my partner's recent medical crisis. And how we got a bill of approximately $148,000 USD for his hospital room alone, during an 11-day period.

    So today we get another bill, just for tests and pharmacy costs: $149,000. The pharmacy bill alone was over $85k, and that's for 11 days. If the damn pills were made of diamonds they couldn't have cost more.

    So now we're up to nearly $300,000, and the doctor's fees are yet to come. All for 11 days, because he had a blood clot in his leg.

    All this tells me one thing: that US health care needs to be revamped, and that Republican resistance to it is solely based on greed. They may cry "choice" and all kinds of diversionary tactics, but in the end, it's a matter of providing for people, versus providing for shareholders of health care enterprises.

    We already know how US Republicans will choose: for their campaign contributors from the health care industry. I hope ordinary Americans will lobby their representatives in Congress for their own best interests, and not those of corporate America.
  • JP85257

    Posts: 3284

    Dec 15, 2009 12:01 AM GMT
    Your partner was not insured?
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    Dec 15, 2009 12:08 AM GMT
    every day I'm thankful for being an Aussie.... were we take care of ourselfs and each other..... OOOH How Jerry Springer am I.....
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    Dec 15, 2009 12:17 AM GMT
    JP85257 saidYour partner was not insured?

    Yes, he's on Medicare and has a supplemental. But we still have co-pays, plus the insurance company has rejected some of these costs, as not satisfying their arbitrary criteria. We'll try to appeal.

    Too bad when my partner's life was in the balance that the insurance adjustors weren't right there in the operating room, to guide his doctors at every step. Silly me, I just thought the goal was to save his life.

    And whether or not we pay these costs ourselves, what do you think of them? Are they reasonable? $300,000 USD for 11 days in a hospital for a blood clot, and still counting? With doctors' bills yet to come, I'm anticipating over half a million dollars. And you don't see a problem here?

    Or do you take the position that if he's insured, that it's not "real money" out of our own pockets and so can be disregarded? Well, I think it's a national disgrace, that needs to be corrected.

    Where the HELL is all this money going? Into the hands of greedy doctors, or hospitals, or medical insurance providers? It sure as hell doesn't represent the actual cost of medical care anywhere else on Earth. As studies have shown, US medical care is actually inferior to many other nations, where the cost is much less.

    I ask a classic all-American question: are we getting our money's worth?
  • JP85257

    Posts: 3284

    Dec 15, 2009 12:20 AM GMT
    Nice finger pointing.

    Im not insured cause I choose not to be. Im sorry, but being in the insurance industry for a few years I always remind people to read their policies.
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    Dec 15, 2009 12:24 AM GMT

    If god wanted everyone to be healthy, he wouldn't make anyone sick.
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    Dec 15, 2009 12:25 AM GMT
    JP85257 saidNice finger pointing.

    Im not insured cause I choose not to be. Im sorry, but being in the insurance industry for a few years I always remind people to read their policies.

    We've read our policy very well, thank you. And insurance companies reinterpret the words as it pleases them.

    Rather, I suggest you read more carefully what I wrote directly above. And that you try to respond to that in detail, instead of being a blind knee-jerk apologist for your industry.
  • Posted by a hidden member.
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    Dec 15, 2009 12:42 AM GMT
    lilTanker saidevery day I'm thankful for being an Aussie.... were we take care of ourselfs and each other..... OOOH How Jerry Springer am I.....


    Just like us Canadians, eh?
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    Dec 15, 2009 12:52 AM GMT
    How's this for an anecdote:

    My 70 y/o neighbor had an minor out-patient surgery. She is on Medicare & AARP. I saw her bill: $12,000.00

    A month later I go to the same Doctor, and find I need the exact same surgery.

    Since I am self-insured, guess what my bill for the EXACT same surgery was?
    $3,800.00

    Now, you see why health-care cost are so high! They knowthey will get the full amount from the Feds!
    Granted, she is 70 and I am 52, but she is in excellent health as am I. So what--other than the fact that she has Uncle Sam paying the bills-- is the difference?
    I told them ahead of time that I would NOT pay for any "Oh, by the way, we forgot this cost" bills like they had tried to slip in on me many years ago. I had them sign a form stating that the full cost was disclosed to me and that there would be no additional costs. Try that some time.

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    Dec 15, 2009 12:52 AM GMT
    MeOhMy said
    lilTanker saidevery day I'm thankful for being an Aussie.... were we take care of ourselfs and each other..... OOOH How Jerry Springer am I.....


    Just like us Canadians, eh?


    Canadians pay over a lifetime through much higher taxes to offset these types of urgent care situations, in addition to our private insurance. That's right, we also have private plans here to supplement the government system.

    I have also lived in Australia and the system there was great, the public/private components are more segregated than here in Canada, but great access and decent care.

    Not being insured is one thing, being insured and trying to look like the system is victimizing you is another.

    I would suggest that the portion you are required to pay will be dramatically less than the $300k you indicate.
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    Dec 15, 2009 12:52 AM GMT

    No Tri-care?

  • Webster666

    Posts: 9217

    Dec 15, 2009 1:31 AM GMT
    "Where the HELL is all this money going?"
    ___________________________________
    INSURANCE COMPANY PROFITS !
    Why do you think they paid off Congress to drop the public option ??

    If I were you, I'd send copies of those bills (along with a brief explanation of why your partner was in the hospital, and what your both went through) to all 3 of your Congressional representatives, AND to the President.

    Your experience puts a "face" on the health care problems, a face that the President and Congress need to see.
  • JP85257

    Posts: 3284

    Dec 15, 2009 1:34 AM GMT
    Red_Vespa said
    JP85257 saidNice finger pointing.

    Im not insured cause I choose not to be. Im sorry, but being in the insurance industry for a few years I always remind people to read their policies.

    We've read our policy very well, thank you. And insurance companies reinterpret the words as it pleases them.

    Rather, I suggest you read more carefully what I wrote directly above. And that you try to respond to that in detail, instead of being a blind knee-jerk apologist for your industry.
    I dont apologize for my industry. I just am a fan of personal responsibility. If you dont like how the insurance company interprets your policy then get a lawyer.
  • Posted by a hidden member.
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    Dec 15, 2009 1:37 AM GMT
    JP85257 saidNice finger pointing.

    Im not insured cause I choose not to be. Im sorry, but being in the insurance industry for a few years I always remind people to read their policies.



    A matter of money is not a matter of choice. icon_wink.gif
  • MichVBPlayer2...

    Posts: 132

    Dec 15, 2009 1:38 AM GMT
    StudlyScrewRite said How's this for an anecdote:

    My 70 y/o neighbor had an minor out-patient surgery. She is on Medicare & AARP. I saw her bill: $12,000.00

    A month later I go to the same Doctor, and find I need the exact same surgery.

    Since I am self-insured, guess what my bill for the EXACT same surgery was?
    $3,800.00

    Now, you see why health-care cost are so high! They knowthey will get the full amount from the Feds!
    Granted, she is 70 and I am 52, but she is in excellent health as am I. So what--other than the fact that she has Uncle Sam paying the bills-- is the difference?
    I told them ahead of time that I would NOT pay for any "Oh, by the way, we forgot this cost" bills like they had tried to slip in on me many years ago. I had them sign a form stating that the full cost was disclosed to me and that there would be no additional costs. Try that some time.



    This is the same case for pharmacies. My sister went to our local CVS Pharmacy (similar to Walgreens or other drug store chain) to pick up some antibiotics. She wasn't insured. She asked how much the prescription would cost and the pharmacist said $115. She immediately took her script back and refused to pay. The same antibiotics could be purchased at a grocery store like Target or Meijer for $15. The problem is, most people who are insured only pay their copay. They don't realize that these pharmacy stores charge the insurance companies 1000% more than the cost because they can get away with it. This is what is driving the cost of health care so high.
  • MercuryMax

    Posts: 713

    Dec 15, 2009 1:39 AM GMT
    OMG this is just as bad as the education cost problem. Where is all this money going?! Some things just shouldn't cost what they do.

    $70K for tuition $148K for a hospital room?! Gays not allowed in the military?!?!?

    Damn now I'm gettin fired up!
  • Posted by a hidden member.
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    Dec 15, 2009 1:43 AM GMT
    JP85257 said...I dont apologize for my industry. I just am a fan of personal responsibility. If you dont like how the insurance company interprets your policy then get a lawyer.

    Too bad you aren't a fan of corporate responsibility. Your selfish me-first, let the public be damned attitude explains exactly why the US is in the mess it is with medical care. But thanks for letting us observe this first hand, so we can understand the problem in real terms.

    Oh, and is getting a lawyer to dispute questionable insurance company decisions included in my coverage? I had no idea the insurance company was always right, us never wrong, or that we had to fight them at ever turn.

    What a loyal lap dog for them you are! I do hope you're still getting residuals of some sort, you certainly deserve them.
  • Posted by a hidden member.
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    Dec 15, 2009 1:45 AM GMT
    Recently, I dealt with the medical system. My doctors are top notch.

    Here's an example of profit taking (actually a couple).

    In regular countries, like Canada, drugs are much less expensive. E.g. Logan's Humalog U100 10cc jug is 108.25 here, and it's 28.25 in Canada. $80 difference. Logan uses a jug every 10 days.

    If I get my blood workup done at Primary Care here in Lewisville it's 8 dollars per test (say, for a CRP/CMP). LabCorp charged me $156.00 for that SAME TEST.

    If Logan gets his HBA1C done at Walmart (bottom shelf), the test is $9.50. Through some doctors, it's been as much at $480.00.

    Anyone that can't see our health system is broken is completely out of touch.
  • hyperionx

    Posts: 232

    Dec 15, 2009 1:45 AM GMT
    I found out three years ago I was eligible for Canadian citizenship, and ever since I moved to Toronto, health care has never, ever been a problem. I even work at a clinic now and see it all first-hand.

    Everyone gets taken care of.
  • Posted by a hidden member.
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    Dec 15, 2009 1:47 AM GMT
    I'm eligible for Canada's "Skilled Workers" program and can get into Canada without a lot of hassle. Logan, though, isn't eligible (he needs health care as a type 1 diabetic). We've been looking at moving to another country for some time now.

    Americans treat each other poorly, thinking more of their property than of each other.
  • JP85257

    Posts: 3284

    Dec 15, 2009 1:48 AM GMT
    southbeach1500 said
    Red_Vespa saidSo now we're up to nearly $300,000, and the doctor's fees are yet to come.

    All this tells me one thing: that US health care needs to be revamped, and that Republican resistance to it is solely based on greed. They may cry "choice" and all kinds of diversionary tactics, but in the end, it's a matter of providing for people, versus providing for shareholders of health care enterprises.


    And you believe that hospitals will charge the government less? If anything, they'll charge more.

    Anyway, there's no way you're gonna be on the hook for $300k. Medicare is gonna take care of most of it, and your insurance company will take care of most of the rest and you know it.

    I think it's kind of classless to use your partner's misfortune just to make a political point.

    Exactly.
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    Dec 15, 2009 1:49 AM GMT
    JP85257 said
    southbeach1500 said
    Red_Vespa saidSo now we're up to nearly $300,000, and the doctor's fees are yet to come.

    All this tells me one thing: that US health care needs to be revamped, and that Republican resistance to it is solely based on greed. They may cry "choice" and all kinds of diversionary tactics, but in the end, it's a matter of providing for people, versus providing for shareholders of health care enterprises.


    And you believe that hospitals will charge the government less? If anything, they'll charge more.

    Anyway, there's no way you're gonna be on the hook for $300k. Medicare is gonna take care of most of it, and your insurance company will take care of most of the rest and you know it.

    I think it's kind of classless to use your partner's misfortune just to make a political point.

    Exactly.


    And folks like you would have him quietly go into bankruptcy, out of sight and out of mind? That's what's pathetic, indifferent, and self-centered.
  • JP85257

    Posts: 3284

    Dec 15, 2009 1:51 AM GMT
    Red_Vespa said
    JP85257 said...I dont apologize for my industry. I just am a fan of personal responsibility. If you dont like how the insurance company interprets your policy then get a lawyer.

    Too bad you aren't a fan of corporate responsibility. Your selfish me-first, let the public be damned attitude explains exactly why the US is in the mess it is with medical care. But thanks for letting us observe this first hand, so we can understand the problem in real terms.

    I am for corporate responsibility as well. You get what you pay for. You can buy endorsements on your policy. If you arent owed it by your policy its not owed to you.

    PS I am a florist now.
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    Dec 15, 2009 1:55 AM GMT
    JP85257 said
    Red_Vespa said
    JP85257 said...I dont apologize for my industry. I just am a fan of personal responsibility. If you dont like how the insurance company interprets your policy then get a lawyer.

    Too bad you aren't a fan of corporate responsibility. Your selfish me-first, let the public be damned attitude explains exactly why the US is in the mess it is with medical care. But thanks for letting us observe this first hand, so we can understand the problem in real terms.

    I am for corporate responsibility as well. You get what you pay for. You can buy endorsements on your policy. If you arent owed it by your policy its not owed to you.

    PS I am a florist now.




    Corporate responsability my punanni! You are part of the problem. You just don't know it yet.. Or maybe you don't get it.
  • JP85257

    Posts: 3284

    Dec 15, 2009 2:04 AM GMT
    Mostwant3d said
    JP85257 said
    Red_Vespa said
    JP85257 said...I dont apologize for my industry. I just am a fan of personal responsibility. If you dont like how the insurance company interprets your policy then get a lawyer.

    Too bad you aren't a fan of corporate responsibility. Your selfish me-first, let the public be damned attitude explains exactly why the US is in the mess it is with medical care. But thanks for letting us observe this first hand, so we can understand the problem in real terms.

    I am for corporate responsibility as well. You get what you pay for. You can buy endorsements on your policy. If you arent owed it by your policy its not owed to you.

    PS I am a florist now.




    Corporate responsability my punanni! You are part of the problem. You just don't know it yet.. Or maybe you don't get it.


    Actually the problem is that people are owed what they pay for. They think cause they have insurance they automatically will be taken care of. You have policy limits, co-pays and what not. If you dont want co-pays and HIGH policy limits.....YOU'RE gonna have to fork out some cash.

    My auto policy looks like this:

    250/500/250

    250 - Per Person
    500 - Per Accident
    250 - Property Damage

    Full glass coverage, towing and a few other things Plus a $1,000,000 umbrella for Covering my ass totally. I reach these policy limits for any reason....I am SOL.

    I pay OUT the ass for it. I reach these limits or what I do does not come under the coverage I am NOT owed it.

    This is just an example....Health insurance is different, but governed by the same state agency.