Better be an Emergency If You Go to the ER

[shortylickens]

When your insurance costed you $73/month, someone else was picking up the rest of the tab.

someone else is still picking up the rest of the tab, just not as much and with more inflated final prices.

 

[pete6032]

Biden administration trying to figure back against these surprise non network bills for emergency care.

Here's what the new ban on surprise medical billing means for you

The No Surprises Act says patients can't get hit with pricey, unexpected medical bills. Some experts say the regulation could also slow the growth of health insurance premiums.

www.npr.org

 

[Meghan54]

View attachment 53382

That's gotta suck....just makes you wonder what it covers, since it mentions vision and dental. Only ask about that since in most health ins. plans, dental and vision plans are separate from the health plan.

 

[blackangst1]

Death panels?

 

[Ajay]

Death panels?

Seriously, wtf?!

 

[darkswordsman17]

Seriously, wtf?!

Just trolling like the clownfucking dipshit he is.

 

[m8d]

Modern day US health care for you. Hospitals ripping off insurers, insurers ripping off customers, FDA approving snake oils, while the government is too captured or broken to fix anything.

It boggles the mind that so many Americans think that AmeriKKKa is the greatest country in the world.

 

[nickqt]

Death panels?

Yes, the corporate administrators and C-suite executives who "earn" millions of dollars per year get to decide what insurance will and won't cover when gam-gam goes to the hospital, are death panels.

But they're capitalism-approved death panels, so we can safely ignore them and focus on how we're going to discourage Americans from having access to healthcare through Medicare, etc., so those capitalism-approved death panels can continue funneling millions into their own pockets.

 

[TheVrolok]

Yes, the corporate administrators and C-suite executives who "earn" millions of dollars per year get to decide what insurance will and won't cover when gam-gam goes to the hospital, are death panels.

But they're capitalism-approved death panels, so we can safely ignore them and focus on how we're going to discourage Americans from having access to healthcare through Medicare, etc., so those capitalism-approved death panels can continue funneling millions into their own pockets.

Privatized gains, socialized losses. A tale as old as time. Need a drastic culling of administration.

 

[Brainonska511]

Privatized gains, socialized losses. A tale as old as time. Need a drastic culling of administration.

A few more deans/administrators will be needed to properly analyze your proposal and identify solutions that don't involve cutting administrative bloat.

 

[Indus]

I 100% think our healthcare system needs major overhaul and we need universal healthcare like all other first world countries. We need single payer system and not let for profit insurance companies run the healthcare in our country.

I fall into not being rich enough to afford great health insurance and but not poor enough to receive Medicaid. So my family was in "you can all fuck right off and die" category. My family went many years without having health coverage. I weighed pros and cons of going without coverage and prayed we wouldn't have any major medical emergencies. Have you gone for years without medical coverage because it was too expensive? I bet you haven't. I have and it sucks major donkey dick. Do you know how I received checkups and medical care? I traveled outside the US and received checkups and healthcare during vacations because the cost in the US was too expensive without medical insurance. I know many people who do this. You can preach from your high horse but I'm betting you haven't experienced high cost premiums of our health care and never had to make life choices based on it.

Even today, I pay $1,050 a month for the shittiest bronze health plan for my family of 3. We're still relatively young so that's actually pretty low premium compared to other older families. I pretty much have this shitty health plan only as catastrophic insurance. So how much do you pay for your health insurance?

Think it has to be done state by state, it'll never be done federally just because socialism.

 

[shortylickens]

Privatized gains, socialized losses. A tale as old as time. Need a drastic culling of administration.

In order to do that we'd need the majority of Americans to wake up and see how their government is harming them. That aint gonna happen. The rich and the powerful have mastered the art of misdirection. they keep us placated with entertainment and lies, we never get motivated enough (as a nation) to effect real change.

 

[Brovane]

Biggest health insurer plans to deny ER bills if it doubts you had an emergency

UnitedHealthcare delayed the policy’s rollout, but experts worry about chilling effect.

arstechnica.com

Health care insurer United Healthcare plans to retroactively deny coverage if you go to the ER and they decide your condition wasn’t serious enough to warrant going to the ER.

Wake up with a pain in your lower abdomen, is it gas or a soon to rupture appendix? Is that chest pain an anxiety attack or a heart attack?

Better guess right because after you go to the ER and they diagnose you UH will know whether it was an emergency or not.

While profits were up last year ($15.4B in 2020 vs $13.8B in 2019) they were down in the last quarter as people were using services again. So these cost controls are very important for improving outcomes….Of shareholders.

I got around this with Aetna by calling the Nurse Hotline before anyone in our family goes into the ER. Aetna tried to pull this crap on me one time after my wife went to the ER after a migraine lasted for 2-weeks. Had my wife call the Aetna nurse hotline before going to the ER and the nurse told my wife to go to the ER. Aetna later said it wasn't serious enough for a ER visit, I politely told them that their own nurse hotline told me wife to go to the ER. They covered the visit as normal.

 

[ponyo]

That's gotta suck....just makes you wonder what it covers, since it mentions vision and dental. Only ask about that since in most health ins. plans, dental and vision plans are separate from the health plan.

Shorty is not paying $811 /month for health insurance. That's the full cost before any federal subsidy. People who pay for their own insurance in full do not generally get the Gold plan from the ACA insurance marketplace. And certainly not added dental and vision coverage to go with Gold. The people who pay the full amount of health insurance premium without any government subsidies like myself will generally choose the cheapest Bronze level coverage. And without any extra dental and vision. When you're not getting the free money, you're not going to choose the more expensive options unless the math works out. And if you're relatively healthy and young, math generally doesn't work out for the Gold plan and certainly not dental and vision.

Under the current law, if the ACA health insurance silver plan premium is more than 8.5% of your household income, you qualify for subsidy. So let's assume ACA silver health plan without dental and vision is $600 /month. Shorty chose the Gold plan with dental and vision but the government base their premium subsidy on the plain silver plan. So we subtract $211 /month off his Gold plan price to get to plain silver plan. So this means Shorty would have to make more than $85,000 a year for him to not qualify for any ACA health insurance subsidy. Given what we know about Shorty, it's highly unlikely he makes more than $85,000 a year. So we can reasonably conclude he's not paying the full $811 /month for health insurance and he's getting some sort of government subsidy to help with the monthly insurance premium.

The real victims are people like @highland145 and me who pay the full ACA premium amount without any subsidy. We are subsidizing people like Shorty so they can pay less. And because we pay the full amount, we end up with the Bronze plan without any dental and vision while people like Shorty get to have the Gold plan and extra dental and vision coverage.

 

[JD50]

Lol yea, us high income earners are the real victims... give me a break

 

[darkswordsman17]

Lol yea, us high income earners are the real victims... give me a break

Even more hilarious is that for all his jacking himself off about what a financial expert he is, he doesn't seem to understand the point of insurance is that across the board everyone paying into insurance is subsidizing others' costs because there's the chance that they too might need to pay a shitload of medical bills that they otherwise would be unable to pay were it not for insurance.

 

[hal2kilo]

I got around this with Aetna by calling the Nurse Hotline before anyone in our family goes into the ER. Aetna tried to pull this crap on me one time after my wife went to the ER after a migraine lasted for 2-weeks. Had my wife call the Aetna nurse hotline before going to the ER and the nurse told my wife to go to the ER. Aetna later said it wasn't serious enough for a ER visit, I politely told them that their own nurse hotline told me wife to go to the ER. They covered the visit as normal.

Bingo! As having been covered by Aetna when I was employed. Got screwed big time on my son's wisdom teeth removal at the appropriate age as I had. Seems there was no pathological reason to remove them. That will be $1800, thank you.