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Republican health care reform

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Comments

  • doogiedoogie Member Posts: 15,072
    AZDuck said:

    AZDuck said:

    I just paid three bills at 50 cents on the dollar because I don't have insurance

    WTGWT
    The fact that providers gladly take half price to avoid insurance should tell you something

    If you have half a brain

    The fact that the numbers make that a better deal for me is also revealing

    If you have half a brain
    If only we had half brains, we would let Medicare and Medicaid negotiate compensation rates and drive down charges for everyone. But we don't do that.
    That would defeat the cash discount. The cost of insurance, government red tape and the like is why the bill is 50% higher to begin with

    Cash doesn't require a staff of drones and massive storage of data
    I can't afford to pay for cancer surgery or MS medication out-of-pocket, even at a 50% discount. So now what?
    Take it like a man and die. It's God's plan.
  • UWhuskytskeetUWhuskytskeet Member Posts: 7,113
    dnc said:

    AZDuck said:

    image

    The laws of health care economics must be different here than in the rest of the developed world or something

    It's almost like eating habit and exercise play a part in how much health care you consume
    I know the US leads the way, but the entire Anglosphere is pretty fucking fat.
  • doogiedoogie Member Posts: 15,072
    Lyft just added a new Taco Bell drive thru automatic request. THIS is why Americans are fat.
  • Pitchfork51Pitchfork51 Member Posts: 26,950
    doogie said:

    Lyft just added a new Taco Bell drive thru automatic request. THIS is why Americans are fat.

    Taco Bell is awesome. Diaff
  • SledogSledog Member Posts: 33,861 Standard Supporter
    AZDuck said:

    AZDuck said:

    I just paid three bills at 50 cents on the dollar because I don't have insurance

    WTGWT
    The fact that providers gladly take half price to avoid insurance should tell you something

    If you have half a brain

    The fact that the numbers make that a better deal for me is also revealing

    If you have half a brain
    If only we had half brains, we would let Medicare and Medicaid negotiate compensation rates and drive down charges for everyone. But we don't do that.
    That would defeat the cash discount. The cost of insurance, government red tape and the like is why the bill is 50% higher to begin with

    Cash doesn't require a staff of drones and massive storage of data
    I can't afford to pay for cancer surgery or MS medication out-of-pocket, even at a 50% discount. So now what?
    Move to Cuba. You'll still be dead but happy in your socialist dream land.
  • AZDuckAZDuck Member Posts: 15,381
    Sledog said:

    AZDuck said:

    AZDuck said:

    I just paid three bills at 50 cents on the dollar because I don't have insurance

    WTGWT
    The fact that providers gladly take half price to avoid insurance should tell you something

    If you have half a brain

    The fact that the numbers make that a better deal for me is also revealing

    If you have half a brain
    If only we had half brains, we would let Medicare and Medicaid negotiate compensation rates and drive down charges for everyone. But we don't do that.
    That would defeat the cash discount. The cost of insurance, government red tape and the like is why the bill is 50% higher to begin with

    Cash doesn't require a staff of drones and massive storage of data
    I can't afford to pay for cancer surgery or MS medication out-of-pocket, even at a 50% discount. So now what?
    Move to Cuba. You'll still be dead but happy in your socialist dream land.
    you know there are a lot of places where I don't have to die, don't you?
  • AZDuckAZDuck Member Posts: 15,381
    Latest profile in courage from the Senate: four senators have called a press conference offering to pass the "skinny repeal" so long as the House pinkie swears or something not to make it law.

    You can't make this shit up.
  • doogiedoogie Member Posts: 15,072

    AZDuck said:

    Sledog said:

    AZDuck said:

    AZDuck said:

    I just paid three bills at 50 cents on the dollar because I don't have insurance

    WTGWT
    The fact that providers gladly take half price to avoid insurance should tell you something

    If you have half a brain

    The fact that the numbers make that a better deal for me is also revealing

    If you have half a brain
    If only we had half brains, we would let Medicare and Medicaid negotiate compensation rates and drive down charges for everyone. But we don't do that.
    That would defeat the cash discount. The cost of insurance, government red tape and the like is why the bill is 50% higher to begin with

    Cash doesn't require a staff of drones and massive storage of data
    I can't afford to pay for cancer surgery or MS medication out-of-pocket, even at a 50% discount. So now what?
    Move to Cuba. You'll still be dead but happy in your socialist dream land.
    you know there are a lot of places where I don't have to die, don't you?
    Yes but it's better if you go somewhere where you have to die.
    taco bell?
  • WoofWoof Member Posts: 770
    If you're only getting 50% off by paying cash you're a total fucking idiot.

    At my old job our reimbursements were typically at about 30-40% of billed rate, which is what we got after dealing with all of the insurance shit. I saw times where we accepted 15% of what was billed when we paid cash, depending on the procedure. I'd say 25% is probably the average in the industry.
  • SledogSledog Member Posts: 33,861 Standard Supporter
    AZDuck said:

    Sledog said:

    AZDuck said:

    AZDuck said:

    I just paid three bills at 50 cents on the dollar because I don't have insurance

    WTGWT
    The fact that providers gladly take half price to avoid insurance should tell you something

    If you have half a brain

    The fact that the numbers make that a better deal for me is also revealing

    If you have half a brain
    If only we had half brains, we would let Medicare and Medicaid negotiate compensation rates and drive down charges for everyone. But we don't do that.
    That would defeat the cash discount. The cost of insurance, government red tape and the like is why the bill is 50% higher to begin with

    Cash doesn't require a staff of drones and massive storage of data
    I can't afford to pay for cancer surgery or MS medication out-of-pocket, even at a 50% discount. So now what?
    Move to Cuba. You'll still be dead but happy in your socialist dream land.
    you know there are a lot of places where I don't have to die, don't you?
    Venezuela? North Korea? China?

    Deader than shit in all of 'em.
  • AZDuckAZDuck Member Posts: 15,381
    And... scene.

    John McCain finally did something useful.
  • pawzpawz Member, Moderator, Swaye's Wigwam Posts: 20,938 Founders Club
    Woof said:

    If you're only getting 50% off by paying cash you're a total fucking idiot.

    At my old job our reimbursements were typically at about 30-40% of billed rate, which is what we got after dealing with all of the insurance shit. I saw times where we accepted 15% of what was billed when we paid cash, depending on the procedure. I'd say 25% is probably the average in the industry.

    If you're actually willing to take 15-25% then charging 4-6x in the first place might be criminal. #medicalmafia
  • Mosster47Mosster47 Member Posts: 6,246
    Woof said:

    If you're only getting 50% off by paying cash you're a total fucking idiot.

    At my old job our reimbursements were typically at about 30-40% of billed rate, which is what we got after dealing with all of the insurance shit. I saw times where we accepted 15% of what was billed when we paid cash, depending on the procedure. I'd say 25% is probably the average in the industry.

    I went to the ER a few times in college with no insurance and they took 75% off the bill themselves. I got it down to 10% though. That's what endowment funds are for.
  • WoofWoof Member Posts: 770
    pawz said:

    Woof said:

    If you're only getting 50% off by paying cash you're a total fucking idiot.

    At my old job our reimbursements were typically at about 30-40% of billed rate, which is what we got after dealing with all of the insurance shit. I saw times where we accepted 15% of what was billed when we paid cash, depending on the procedure. I'd say 25% is probably the average in the industry.

    If you're actually willing to take 15-25% then charging 4-6x in the first place might be criminal. #medicalmafia
    You're not wrong. There is a huge information disparity which drives much of the market inefficiency. Has anyone ever asked prices before they go to the doctor? Insurance companies negotiate different rates, so in network and out of network can be 2-3X different in reimbusements. The other part of it is all the bureaucracy involved, which to some degree would be solved by single payer, but I'm sure that would be only temporary.

    I think the way to go would be to have standardized single payer catastrophic and basic preventive care, and then let private insurance be the market for everything else, but also ensure prices are listed up front prior to treatment.
  • section8section8 Member Posts: 1,581
    Recent bill for a family members MRI:

    $11,800
    Insurance negotiated rate $2800
    Discounts from UWMC $8990

    Our final bill: $10 co-pay

    So the cost of service is maybe $2500 or less but the initial bill is $11,000?
  • doogiedoogie Member Posts: 15,072
    Yes. So when freeloaders w/o insurance show up and demand service for which they voluntarily chose not to join and pay for, the Hospital can write off $11,000 more than covering the $2,500 actual cost.
  • UWhuskytskeetUWhuskytskeet Member Posts: 7,113
    doogie said:

    Yes. So when freeloaders w/o insurance show up and demand service for which they voluntarily chose not to join and pay for, the Hospital can write off $11,000 more than covering the $2,500 actual cost.

    @RaceBannon true!?
  • KaepskneeKaepsknee Member Posts: 14,885
    AZDuck said:

    image

    The laws of health care economics must be different here than in the rest of the developed world or something

    It's almost like the Pharma and Insurance companies have bought off the politicians here to drive up costs.

    But sweet @d2d graph anyway though.
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