Medical costs

A visit to a doctor's office now runs from $100 to $150, just for a check to see what is wrong or to get a prescription.
I had a blood test done recently that was billed at $840 for the results.
I wasn't even sent the results! However my doctor was. I can't even begin to say what hospital visits cost now or why. Something like $4000 per day, plus services, untold.
Ok, I'm not going to argue here if that is too much money for the way it is being done, but I will say there are better ways to do it. This is all caused of course by medicare and health insurance paying so many years whatever was charged. Now they pay about 55% of what is billed, but those 40% with neither insurance declare bankrupcy.
How about some clinics (not fancy buildings) with technicians to handle non-traumatic cases? $25 a pop? Refer to doctors who will treat and bill medicare for another $50? Hospitals, I don't know what to do with that monstrosity. It is 40% of our economy, isn't it?

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Submitted by loanarranger707 on Sun, 02/18/2007 - 8:48am.

Clark Howard is so mistaken

I understand that consumer guru Clark Howard recommends that people who pay their own medical bills negotiate the fee with the doctor and hospital. His view is that because they save the medical provider a lot of paperwork hassle about getting paid and provide immediate payment as they walk out of the office or hospital, they are better customers and should be rewarded with a lower fee.

In theory he is right. In practice, he is dead wrong.

I used to think that if I took good care of my health and had major medical insurance to take care of catastrophes I could handle normal medical fees on my own.

As it turns out, I didn't know that doctors and hospitals have two sets of rates. Insurance companies negotiate themselves much lower fees than the "official" fees. I now see that hospital lab bills of $2000 get cut down to $200 when insurance companies pay them. Doctor bills of $100 get cut down to $55. Meanwhile, hospitals and doctors do NOT give discounts to customers who pay cash on the barrelhead.

That's a form of discrimination against consumers who pay cash, and it is gouging. The Uniform Commercial Code (GA Code section 11-2-302) on unconscionable contracts ought to apply, because the consumer contracts to pay only an amount which is reasonable, especially since fees are very seldom disclosed in advance, and $2,000 is not reasonable when the hospital is happy to take only $200 from folks with insurance.

I hope we eventually see an "activist" judge who understands that and forces medical providers to stop using the predatory billing practices we witness today.

Meanwhile, we ought to realize that when we buy health insurance we're really buying "protection," but it is as much protection from gouging as it is from the misfortune of unforeseen illness or accident, and it is a bit like buying protection from the mafia.

Submitted by skyspy on Sun, 02/18/2007 - 11:07pm.

You are soooo right. The insurance companies get the best deal. The rest of us pay for all of the people who have no insurance.(ie, illegal immigrants, drug addicts, and other criminals, who pay not one dime), and because they don't pay it drives up the costs for everyone else.

Submitted by dollaradayandfound on Sun, 02/18/2007 - 8:28pm.

These fees and other services are all overpriced as to the published rates. An office visit might have three or four different prices depending upon whether it is classified by the doctor as a type 1,2,3,or 4 examination. Dentists charge different if you also go to a specialist (endodontist, etc.).There are many other tricks of the trade that give them enormous flexibility. If they did not have this flexibility, it is possible that the government on medicare would pay them a higher percentage. In other words they charge medicare $200 with hopes of getting $120. Maybe if they charged $120 they would get $120? It is a game.
When President Richard Nixon froze all such prices during his administration , many doctors, etc., got robbed they thought. They felt they were charging the minimum then and got stuck with it for years. When the freeze was lifted, all of these complicated step fees came into existance so that they never again would get stuck.
Fayette Hospital has about 1200 employees for 100 beds occupied only part of the time full. I don't know what they all do but we still complain about poor service anyway. Most things are now handled as out-patient instead of 2-3 days in the hospital. So daily rates have gone from $12 in the sixties to several thousand now, including $10 aspirin and $18 bandages, and stufff unknown.
We have reached the point of socialized medicine due to our taking advantage of those paying the bills.

Submitted by dollaradayandfound on Sun, 02/18/2007 - 9:17am.

It does seem logical that in America, all should pay the same for the same. There is one difference however: some don't get the same treatment all the way up the ladder of specialists if they have NO insurance. They are all looked upon as moochers.
However there are very few wealthy people who pay their own way with health and carry no insurance. They didn't get wealthy doing dumb stuff. So, who pays the top dollar? Guess.

Submitted by bladderq on Sat, 02/17/2007 - 7:14pm.

Newboy getting away for a 100 bucks is not exactly the norm.
My daughter will have her wisdom teeth taken out next week and those teeth are going to cost $2400. BC/BS are going to pay 50%. We don't have dental but if we did, I guess I'd pay more than $750.
Medical cost are absolutely spiraling upward out of control (& college cost but another blog). Part of the problem is that we consume 80% of our lifetime expense in the last years of our life. I know from dealing w/ my parents, that maybe alot wasn't added to their quality of life. Harsh reality and it's not like I'm getting any younger.
Does every hospital need a Million+ MRI? (Does every smallish county need its own COPter?...Oh, another blog). Like a janitor told me once in small town MI, "We got a new MRI. Last year they ordered 2. You know how many they'll order next yr?.....Everyone that walks in the door."

Submitted by dollaradayandfound on Sat, 02/17/2007 - 7:46pm.

The Washington Post tomorrow will have a major article about our treatment of the hordes of wounded out of the middle east wars.
The major military hospitals are full, especially for all of the re-hab that is needed for the severely wounded, physical and mental.
They have rented rat and roach and mold infested old hotels around the area to dump these guys in. More terrible war planning by this current administration.
These stupid people learned absolutely nothing about wars from Viet-Nam.
Our military upper echelon leaders also need serious investigation. They go along with anything the administration says anymore, at least until retired.

Newsboy's picture
Submitted by Newsboy on Sat, 02/17/2007 - 6:10pm.

Dollar, I went to Fayette Medical Clinic (Piedmont Physicians Group/Sams Clinic, whatever you want to call it) in Fayetteville three weeks ago when I was fighting the crud; walked in, asked to see a doctor, paid $60 cash for the visit (instead of filing insurance); he wrote a script and I went to Kroger to get it filled via co-pay. The whole "get well" experience was less than $100. What's the problem?
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NEWSBOY : DELIVERING NOTHING BUT THE TRUTH


Submitted by dollaradayandfound on Sat, 02/17/2007 - 6:25pm.

Crud: noun, despicible stuff, something bad wrong that is hard to diagnos, filth. infestation of an opening!
I suppose $60 (plus medicine)-- (stump water) would be about right for diagnosing "Crud."
I really don't know about any $60 office visit charges--even at that clinic. You got a bargain or they felt sorry for someone with the crud. Dr. Sams is old enough to know what crud is, I suppose.

Submitted by Flydecajon on Sun, 02/18/2007 - 10:10am.

I came down with an unexpected back problem it kept me from working. I tried to get to an orthopedic but they were full for 2 weeks I could not go that long without working. I called Autera Health Center, they took me the same day took an X ray, did physical therapy on my back which felt great. Then Dr. Autera (man he is a big guy) came in and twisted me and my back felt like it cracked from head to toe, but after all my apprehension I walked out feeling better the next day I was back at work. Even better the clinic only charged me 95 dollars. A great experience back to work for little money.

Submitted by McDonoughDawg on Sat, 02/17/2007 - 6:24pm.

Agreed.

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