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| Political Threads This section is for Political Threads - Enter at your own risk. If you say you don't want to see what someone posts - don't read it :hihi: |
11-14-2011, 08:34 AM
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#1
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Hardcore Equipment Tester
Join Date: Mar 2001
Location: Abington, MA
Posts: 6,234
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Quote:
Originally Posted by PRBuzz
Remember insurance companies are the classic 99% (more like 80%) business model: 99% pay and get nothing back.
Medical service paybacks are all negotiated between the providers and insurance companies (each ins. co. likely reimburses differently) to "usual and customary" for a given area of the country, procedure ,etc.
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Obviously the hospitals and doctors are making a good profit by doing this, and are gouging everyone else. It's not like you can shop around for a better price... |
Bent Rods and Screaming Reels!
Spot NAZI
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11-14-2011, 11:56 AM
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#2
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Keep The Change
Join Date: Oct 2000
Location: The Road to Serfdom
Posts: 3,275
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I have been saying for years that I could afford to self insure if I could get away with paying what BCBS pays instead of what is actually billed..
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“It’s not up to the courts to invent new minorities that get special protections,” Antonin Scalia
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11-14-2011, 12:14 PM
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#3
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Registered User
Join Date: Jul 2004
Posts: 10,310
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Quote:
Originally Posted by Fishpart
I have been saying for years that I could afford to self insure if I could get away with paying what BCBS pays instead of what is actually billed..
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Do you think you can pay the cost of a monthly hemophilia drug, the cost of preemies or the cost of a severe burn? |
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11-14-2011, 12:27 PM
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#4
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Permanently Disconnected
Join Date: Nov 2002
Posts: 12,647
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You'd have a better chance if the stuff wasn't inflated so much.
Pharmaceutical companies want a bar code on your forehead. It would make them more money.
Quote:
Originally Posted by PaulS
Do you think you can pay the cost of a monthly hemophilia drug, the cost of preemies or the cost of a severe burn?
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11-14-2011, 04:01 PM
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#5
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Keep The Change
Join Date: Oct 2000
Location: The Road to Serfdom
Posts: 3,275
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Quote:
Originally Posted by PaulS
Do you think you can pay the cost of a monthly hemophilia drug, the cost of preemies or the cost of a severe burn?
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Probably not, but when I see on my insurance statement they payed as little as 10 percent in some cases healthcare doesn't seem so unaffordable. Luckily I have healthy kids and the way the risk pool works in many ways I am paying for at least part of your list which is OK because what you listed are all afflictions where the victim clearly can't help themselves.... |
“It’s not up to the courts to invent new minorities that get special protections,” Antonin Scalia
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11-14-2011, 02:58 PM
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#6
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Registered User
Join Date: May 2008
Location: Mansfield, MA
Posts: 5,238
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Quote:
Originally Posted by TheSpecialist
Obviously the hospitals and doctors are making a good profit by doing this, and are gouging everyone else. It's not like you can shop around for a better price...
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If you are a self pay, that's exactly what you can do but people don't know it. |
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11-14-2011, 03:44 PM
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#7
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Hardcore Equipment Tester
Join Date: Mar 2001
Location: Abington, MA
Posts: 6,234
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Quote:
Originally Posted by JohnnyD
If you are a self pay, that's exactly what you can do but people don't know it.
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Maybe you can, but I doubt the Doctor knows what the charges are, and you would need to talk to who ever does the billing.
The point here is that if there is room for the insurance companies to negotiate a lower payment,and the doctor and hospital still make a profit, then why isn't that the set rate they charge for everyone nonetheless.
If we had a set rate medical system, it would bring the cost of healthcare down for everyone, and it could also bring down the cost of insurance. |
Bent Rods and Screaming Reels!
Spot NAZI
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11-18-2011, 09:29 AM
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#8
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lobster = striper bait
Join Date: Jul 2002
Location: Popes Island Performing Arts Center
Posts: 5,871
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Quote:
Originally Posted by TheSpecialist
Obviously the hospitals and doctors are making a good profit by doing this, and are gouging everyone else. It's not like you can shop around for a better price...
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A now retired radiologist I sail for was paying about a million in liability per year. Who's making profit again? |
Ski Quicks Hole
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11-18-2011, 09:52 AM
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#9
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Hardcore Equipment Tester
Join Date: Mar 2001
Location: Abington, MA
Posts: 6,234
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Quote:
Originally Posted by likwid
A now retired radiologist I sail for was paying about a million in liability per year. Who's making profit again?
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I would like an insurance expert to chime in on that one.. Maybe $100,000 a year for liability but I doubt a mil a year that just seams way too high. Even a hundred thou is high. Like I said the hospitals are making money, like all corporations they all cry poor mouth. Don't let the doctors fool you they are making money as well... |
Bent Rods and Screaming Reels!
Spot NAZI
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11-18-2011, 11:07 AM
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#10
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Old Guy
Join Date: Oct 2004
Location: Mansfield, MA
Posts: 8,760
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Quote:
Originally Posted by likwid
A now retired radiologist I sail for was paying about a million in liability per year. Who's making profit again?
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this is accurate, OBGYN is 2 million today. |
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11-18-2011, 12:18 PM
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#11
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Registered User
Join Date: May 2008
Location: Mansfield, MA
Posts: 5,238
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Quote:
Originally Posted by TheSpecialist
I would like an insurance expert to chime in on that one.. Maybe $100,000 a year for liability but I doubt a mil a year that just seams way too high. Even a hundred thou is high. Like I said the hospitals are making money, like all corporations they all cry poor mouth. Don't let the doctors fool you they are making money as well...
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Quote:
Originally Posted by striperman36
this is accurate, OBGYN is 2 million today.
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When my fiance was in her clinical rotations, the OBGYN she was working for paid out almost $400k/year just for that one doctor's malpractice insurance. |
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11-18-2011, 12:27 PM
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#12
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Old Guy
Join Date: Oct 2004
Location: Mansfield, MA
Posts: 8,760
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Quote:
Originally Posted by JohnnyD
When my fiance was in her clinical rotations, the OBGYN she was working for paid out almost $400k/year just for that one doctor's malpractice insurance.
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My source on that is the head of OBGYN at Mt Auburn Hospital. 14 years ago when my son was born he was paying 600K. Now it's at' the 2 mill. number, the hospital is paying the bill |
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11-19-2011, 05:00 AM
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#13
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Hardcore Equipment Tester
Join Date: Mar 2001
Location: Abington, MA
Posts: 6,234
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Quote:
Originally Posted by JohnnyD
When my fiance was in her clinical rotations, the OBGYN she was working for paid out almost $400k/year just for that one doctor's malpractice insurance.
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That seems more like the number.. |
Bent Rods and Screaming Reels!
Spot NAZI
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11-21-2011, 11:44 AM
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#14
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Registered User
Join Date: May 2008
Location: Mansfield, MA
Posts: 5,238
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Quote:
Originally Posted by TheSpecialist
That seems more like the number..
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And you don't think that it may have some influence on why health care is so expense?
Also, that $400k/year for malpractice insurance is for only one doctor who has been in court a couple of times (as all medical professionals are) and never lost a case. Can you imagine how much the insurance is for a doctor that may have lost a case? |
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