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You're not getting a discount of any kind when you "negotiate" with your doctor if you have no insurance.yes exactly my fking point. It is my healthcare, i negotiate my business not a fking insurance brat that doesn't know me or my fking family.
If you have insurance, you don't negotiate shit. And if you go without insurance, you're going to be paying more out of pocket than if you just had insurance in the first place. You're not getting a discount of any kind when you "negotiate" with your doctor if you have no insurance. In fact, you're paying full price for something that your insurance company only pays ~80% of, depending on your insurer. You don't get a discount of any kind when you don't go through an insurer. That's because your provider has already determined the cost for procedures with the insurance companies. It's pure idiocy to think you can pay the full cost of health care. When you inevitably run up a bill that is more than you can afford, you are getting a "discount" to what the actual bill is.
The doctor reports to me, I want to see his prices ahead of doing any healthcare. you're just a typical demoloser get government in your life guy. I can't rationally discuss this topic with you. You're brain fking washed.
You're a fucking idiot who has no experience with health care. You are making this up as you go.
BTW, there are plenty of co-ops in the country paying directly to a doctor using a doctor's co-op to help with costs. better and cheaper than any fking insurance company.
LOL! The doctor's Co-op makes you think you're getting a deal, but you're not. You're paying more than an insurance company would pay. You're getting a "discount" to the prices that insurance companies have already negotiated with your provider. LOL! What a fucking idiot.
LOL! The doctor's Co-op makes you think you're getting a deal, but you're not. You're paying more than an insurance company would pay. You're getting a "discount" to the prices that insurance companies have already negotiated with your provider. LOL! What a fucking idiot.yes exactly my fking point. It is my healthcare, i negotiate my business not a fking insurance brat that doesn't know me or my fking family.
If you have insurance, you don't negotiate shit. And if you go without insurance, you're going to be paying more out of pocket than if you just had insurance in the first place. You're not getting a discount of any kind when you "negotiate" with your doctor if you have no insurance. In fact, you're paying full price for something that your insurance company only pays ~80% of, depending on your insurer. You don't get a discount of any kind when you don't go through an insurer. That's because your provider has already determined the cost for procedures with the insurance companies. It's pure idiocy to think you can pay the full cost of health care. When you inevitably run up a bill that is more than you can afford, you are getting a "discount" to what the actual bill is.
The doctor reports to me, I want to see his prices ahead of doing any healthcare. you're just a typical demoloser get government in your life guy. I can't rationally discuss this topic with you. You're brain fking washed.
You're a fucking idiot who has no experience with health care. You are making this up as you go.
BTW, there are plenty of co-ops in the country paying directly to a doctor using a doctor's co-op to help with costs. better and cheaper than any fking insurance company.
LOL! The doctor's Co-op makes you think you're getting a deal, but you're not. You're paying more than an insurance company would pay. You're getting a "discount" to the prices that insurance companies have already negotiated with your provider. LOL! What a fucking idiot.
health insurance companies negotiate prices with the medical world. Period.
People pay for insurance and their money is redirected to doctors for extremely high prices for service at a medical facility. I just spent 4 grand for a one hour visit to an ER to have seven stitches in my thumb. that is 4 grand an hour. Really? all negotiated by insurance companies. My deductible pays the first three grand. Now tell me, if I didn't have an insurance company negotiating four grand an hour services, perhaps without insurance companies the cost is closer to 200 dollars for the hour. So don't give me your fking this and that about insurance companies, it's all a fking scam to make money, not for healthcare.
How about we just make it easy for folks to go to the doctor and but meds? Wholey fuck I fixed it! Honestly, if they just did that, made drugs affordable and doctors cheap to see that would be fine.
How does one make doctors cheap, pay them less? And if we did that, who would want to become a doctor?
It is wrong to have people in 1 state have different rights than someone in another state. Also Graham-Cassidy would not have given states enough money to insure the people who are protected now. It would have pitted poor people against old people against people with pre-existing conditions. Republicans are monsters. I no longer want to be a part of the Republican Party. It needs to die.
Bullshit. the "negotiate price" I just told you what the "negotiated price" is. 4 grand an hour for an emergency visit to a hospital. So you believe if I had no insurance the cost would be more? LOL, dude you need a good screw driver cause your screws are coming loose.
WHY aren't they using it? They pay nothing for their annual physical, nothing for the appropriate tests for their age and nothing for labs....How about we just make it easy for folks to go to the doctor and but meds? Wholey fuck I fixed it! Honestly, if they just did that, made drugs affordable and doctors cheap to see that would be fine.
Its not getting drugs and doctors cheaper, its getting premiums and deductibles lower. People are paying for healthcare insurance and can never use it. Fixing liability insurance would help lower doctor costs. Bulk drug purchases by medicare and medicaid and States would help lower drug costs to the global norm.
And usually a flat amount to visit a doctor ....like $35....?
none of that has to come out of their deductible....
it appears people do not understand their insurance policies and what is actually covered?
too funny. holy fk, do you have shares of stock in insurance companies? LOL
"Membership fees for the group range between $40 and $90 per month, giving patients access to doctors, dentists, and discounts on prescription drugs." My insurance is $150 per month. If I had no plan through my company, it would be $600 per month. son, you need a new profession, your skills here suck.
no, the fact is, the actual service price without insurance is thousands less. Thousands. Plural as you see. go ask.Bullshit. the "negotiate price" I just told you what the "negotiated price" is. 4 grand an hour for an emergency visit to a hospital. So you believe if I had no insurance the cost would be more? LOL, dude you need a good screw driver cause your screws are coming loose.
No, you're the one bullshitting because you don't know how our health care and insurance system operates.
Hospitals and providers have a "chargemaster" and that thing is an account of the price of every single procedure, supply, down to the Q-tips. Those prices are determined by the rate at which an insurer(s) reimburse the providers. There is only one chargemaster. So while you think you are getting a discount, the fact is that because the chargemaster is private, you have no idea exactly how much those things cost. The numbers given to you on your bill is the starting point for the provider. They're coming at you initially with a high cost because they know you will want to negotiate. So they set themselves up for you to "negotiate" down to what an insurance company would pay anyway - more in fact because the insurer only pays a share of that cost, where you would be paying 100%. So you're being taken for a ride like a moron.
what I'm saying is get the fking government out of my healthcare. fk dude, how many more times would you like for me to post that?too funny. holy fk, do you have shares of stock in insurance companies? LOL
No, you just don't fucking know how the system works. That's because you're clueless.
"Membership fees for the group range between $40 and $90 per month, giving patients access to doctors, dentists, and discounts on prescription drugs." My insurance is $150 per month. If I had no plan through my company, it would be $600 per month. son, you need a new profession, your skills here suck.
So all you're doing is making the case that a single-payer plan, that puts the focus on outcomes rather than profit, makes the most sense. What do you think a co-op is!? Socialism.
no, the fact is, the actual service price without insurance is thousands less. Thousands. Plural as you see. go ask.
Why don't they post the price for service then? cause it depends on what insurance you have or not.
what I'm saying is get the fking government out of my healthcare. fk dude, how many more times would you like for me to post that?
what I'm saying is get the fking government out of my healthcare. fk dude, how many more times would you like for me to post that?
post the costs then. show what the costs are to go to an emergency room. got them?no, the fact is, the actual service price without insurance is thousands less. Thousands. Plural as you see. go ask.
No, it's not thousands less. Whatever you think the costs are is bullshit. Providers lie to you when they give you a bill showing "the cost". That's not the true cost. The true cost is what is in the chargemaster, which is private and which you do not have the ability to look at. Only the insurers and providers can see it. You can't go into a hospital or your doctor's office and demand to see the chargemaster. How can I put this to you in terms you'll understand; the providers are selling you a price above what the real price is, knowing you will want to "negotiate" down a cheaper price. So they are happy to work with you to negotiate you down to what your insurance company would be paying a share of anyway. So instead of the insurance company paying, say, 80% of the cost and you pay the other 20%, your brilliant "negotiating" got you to pay 100% of the cost.
Fucking idiot.
The patient has no leverage whatsoever to negotiate for cheaper prices, and the providers know that. SO they give you outlandish bills because that way, the costs you will end up paying will be what they get from insurers anyway.
Why don't they post the price for service then? cause it depends on what insurance you have or not.
No, they don't post the actual price because then the cat's outta the bag! The jig is up!
controlling costs that is how.what I'm saying is get the fking government out of my healthcare. fk dude, how many more times would you like for me to post that?
Since you don't know the first fucking thing about health insurance, it's gonna take as long as it takes for you to learn anything about what you're saying.
Explain how government "is in your health care" if they're the entity that reimburses your doctor after they treat you? What the government would do has nothing to do with your health care because their role comes after you've already received your health care. You understand that, right? That providers are reimbursed after they provide you with care.
Setting co-pays aside, do you pay your medical bills before or after you receive treatment? When does the bill come? After your surgery or before it?
why do I need someone to act for me? you haven't answered that yet. I can pay my own fking bills.what I'm saying is get the fking government out of my healthcare. fk dude, how many more times would you like for me to post that?
By having a single entity that reimburses your doctor for procedures after the procedure has already been done, how do you think it's
"in your health care"? What part of the process between your provider submitting a claim to Medicare after the fact, and Medicare paying that claim, is government "in your health care"?
post the costs then. show what the costs are to go to an emergency room. got them?
controlling costs that is how.
