Search found 1140 matches

by toofache32
Tue May 15, 2018 11:15 pm
Forum: Personal Consumer Issues
Topic: Medical billing and negotiated rates ?
Replies: 8
Views: 751

Re: Medical billing and negotiated rates ?

Yes, if there were a negotiated rate for the primary care visit, it would apply to you. This is one of the benefits of dental plans. Even if there is a low annual maximum benefit and you exceed it, you still get the negotiated rates. Depends on the state. Most have laws prohibiting insurance compan...
by toofache32
Fri May 11, 2018 11:26 pm
Forum: Personal Consumer Issues
Topic: Computer Remote Access
Replies: 29
Views: 3209

Re: Computer Remote Access

I previously used LogMeIn to access my work computer but our new IT folks changed us to SplashTop. I like it better because it will alter the display to fit my laptop I use to log in. My laptop is a 13 inch screen and my office computer has two 40 inch screens. It also is easier to use a (single scr...
by toofache32
Wed May 09, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Comparing 2 physician jobs
Replies: 69
Views: 5897

Re: Comparing 2 physician jobs

Frisco Kid wrote:
Wed May 09, 2018 9:02 am
Like others, cannot imagine where accepting first year income of $350k is considered taking a financial hit............................
What is the cost of obtaining this income? You're not giving us all parts of the equation.
by toofache32
Wed May 09, 2018 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Comparing 2 physician jobs
Replies: 69
Views: 5897

Re: Comparing 2 physician jobs

One walked out and quit last week in the middle of the day leaving 2 patients in the chair waiting for treatment. Johnny Paycheck style. Did they take the Hippocratic Oath? Seems that the "health and well being of my patient" wasn't their first consideration. They should have resigned at the end of...
by toofache32
Wed May 09, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Comparing 2 physician jobs
Replies: 69
Views: 5897

Re: Comparing 2 physician jobs

I believe one of the worst trends in Medicine is to become a hospital employee. Amen. I work IN the hospital but never FOR the hospital. My colleagues that work FOR the hospital have clipboard administrators and Noctors standing over them and telling them the need to work faster, see more patients ...
by toofache32
Sun May 06, 2018 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Comparing 2 physician jobs
Replies: 69
Views: 5897

Re: Comparing 2 physician jobs

Just my 2cents as a fellow physician - I have seen some of my friends who are in very specialized areas of medicine take an employed job with a hospital system in the middle of nowhere with a high income guarantee out of a job in a few years. That is because if you cannot generate anywhere close to...
by toofache32
Thu May 03, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor selling a practice
Replies: 23
Views: 2753

Re: Doctor selling a practice

What’s the norm? There is no norm and it usually depends on the recommendations of the buyer/seller agents. Sometimes they are asset sales, and sometimes its a stock sale. Sometimes everyone is "fired" on Friday then "re-hired" on Monday by the new corporate entity. I do think that most dentists re...
by toofache32
Thu May 03, 2018 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor selling a practice
Replies: 23
Views: 2753

Re: Doctor selling a practice

The Doc who is selling a bigwig in the dentist circles so hopefully he finds a great buyer. He’s involved with the ADA and stuff like that. So you think this audit is the partners wanting the value, and not buyers? Thanks My guess is the current dentist/s knows how much their business is worth. The...
by toofache32
Thu May 03, 2018 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor selling a practice
Replies: 23
Views: 2753

Re: Doctor selling a practice

Have you/ wife thought about buying the practice yourself and hire some other dentist to work for your wife? Good luck. In most states it is illegal for a dental practice to be owned by a non-dentist. This is why corporate chains are coming under scrutiny for "hiring" dentists and creating contract...
by toofache32
Sun Apr 29, 2018 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Denial- How to Proceed?
Replies: 12
Views: 1713

Re: Medicare Denial- How to Proceed?

If a lab procedure is "medically necessary", I have never had one denied. I have PSA tests done twice a year no problem, so I am not sure about the 1 year one day rule. :beer How do you determine if something is "medically necessary?" "Medical necessity" is an insurance designation, not a physician...
by toofache32
Wed Apr 25, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 9183

Re: How did you tell the boss you're leaving/retiring?

Thesaints wrote:
Wed Apr 25, 2018 5:10 pm
Not sure what your problem is. If you retire what do you care about what your ex-boss thinks ?
I was thinking the same thing. What's he/she gonna do....fire you???

I would "Johnny Paycheck" it.
by toofache32
Wed Apr 25, 2018 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: how would you handle this--collecting life insurance
Replies: 31
Views: 2938

Re: how would you handle this--collecting life insurance

I would go ahead and contact the state insurance commissioner anyway, and keep pestering the insurance company. I say this based on about 6 times I have complained to my state insurance commissioner for other types of insurance. They are slow to respond like any government agency, so go ahead and ca...
by toofache32
Sat Apr 21, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Can physician charity services (or expenses) be written off?
Replies: 10
Views: 933

Re: Can physician charity services (or expenses) be written off?

samsoes wrote:
Sat Apr 21, 2018 8:58 pm
OP, have you considered a volunteer year with with an overseas medical organization? I've done mission work in impoverished countries, and it's an incredible experience.
Yes I have done this type of work. I can't disappear for a full year and let my practice/investment at home die though.
by toofache32
Sat Apr 21, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Can physician charity services (or expenses) be written off?
Replies: 10
Views: 933

Re: Can physician charity services (or expenses) be written off?

As a now retired physician who donated a lot of free care, I suggest you just donated it and don't try to get a tax deduction. Then you really will have donated. Have you never taken a tax deduction you were eligible for? Why wouldn't you?? My question is....is a deduction available? And you're say...
by toofache32
Sat Apr 21, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: Can physician charity services (or expenses) be written off?
Replies: 10
Views: 933

Re: Can physician charity services (or expenses) be written off?

You can't deduct any contributions you made to (or designated for) a specific individual, only contributions made to qualified organizations . ...and you can't deduct the value of your personal services, but can deduct the cost of providing those services. Gill Are business expenses such as equipme...
by toofache32
Sat Apr 21, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 49
Views: 3304

Re: Medicare Questions

They will try come up with all kind of justifications. I have yet to find an anesthesiologist who makes < $500K. They find little sympathy from me. I have great admiration for the medical profession. Not so much for anesthesiologists. Other doctors have to deal with the same insane health care syst...
by toofache32
Sat Apr 21, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Can physician charity services (or expenses) be written off?
Replies: 10
Views: 933

Can physician charity services (or expenses) be written off?

I am continuing this from another thread that was getting off topic. I'm interested in what the tax experts here have to say. If a physician provides uncompensated care, I am fairly certain no tax write off is available for donated professional services. But what about for expenses to provide the se...
by toofache32
Sat Apr 21, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 49
Views: 3304

Re: Medicare Questions

As far as I know, the same such rules apply to everyone who volunteers services, etc. - not just medical folks. Yes I understand but the point I was making is that there is little incentive to do this other than feeling good. It still costs me significant money since I am not just providing my time...
by toofache32
Sat Apr 21, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 49
Views: 3304

Re: Medicare Questions

I also volunteer my services and give away tens of thousands of dollars a year in charity care, which I cannot write off my taxes. As far as I know, the same such rules apply to everyone who volunteers services, etc. - not just medical folks. Yes I understand but the point I was making is that ther...
by toofache32
Sat Apr 21, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 49
Views: 3304

Re: Medicare Questions

If I see a Medicare patient in the ER and we then go enjoy some surgery together, because I am not a Medicare provider, I am not allowed to bill the patient if it is deemed emergency care. Some folks then say "why don't you just join Medicare?" Simply joining Medicare to get something instead of no...
by toofache32
Sat Apr 21, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 49
Views: 3304

Re: Medicare Questions

SpiritRider, So you mean that only category 1 or 2 could apply in our case, correct? See the following Medicare.gov link Lower costs with assignment What to know about private contracts You can't be asked to sign a private contract for emergency or urgent care. This is true and another example of h...
by toofache32
Sat Apr 21, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 49
Views: 3304

Re: Medicare Questions

I also volunteer my services and give away tens of thousands of dollars a year in charity care, which I cannot write off my taxes. As far as I know, the same such rules apply to everyone who volunteers services, etc. - not just medical folks. Yes I understand but the point I was making is that ther...
by toofache32
Fri Apr 20, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10102

Re: Got hit with a $2800 Medical bill. Can I negotiate?

And for all the doctors blaming the system, why not fix it. You are part of the system. You are cognizant of the issues, and many of you are critical of the issues facing the medical system. So why does nothing change if so many of you are aware of what the weak points are? Because we are only the ...
by toofache32
Fri Apr 20, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 4909

Re: Factor in evaluating Physicians

This year I met a young lady who represented a medical device company (specifically a new type wound vac) when I had a large, deep hole in my left heel. She was at EVERY appointment I had (every two days) until the wound closed. Each time she was there, she provided training to one of the office wo...
by toofache32
Fri Apr 20, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 4909

Re: Factor in evaluating Physicians

quantAndHold wrote:
Fri Apr 20, 2018 2:34 pm
My ENT got a $19 gynecology device. I’m not sure what to make of that.
Times are tough....side hustle.
by toofache32
Fri Apr 20, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10102

Re: Got hit with a $2800 Medical bill. Can I negotiate?

My patients who ask for a cost estimate, which in my experience is way less than 5%, and probably closer to 1-2%, get provided a pre-printed sheet with the CPT code(s) I’m submitting to insurance for pre-authorization, as well as the estimated length of the procedure. The sheet has phone numbers fo...
by toofache32
Thu Apr 19, 2018 11:07 pm
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 4909

Re: Factor in evaluating Physicians

Very interesting, and after viewing my own profile as a surgeon, I can see how this doesn't really tell the whole story in the slightest bit. Is this different info from the CMS Sunshine act website that has been around for years? I'm on the list for a total of about $1500 over a 3 year period. The ...
by toofache32
Thu Apr 19, 2018 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10102

Re: Got hit with a $2800 Medical bill. Can I negotiate?

With all due respect, doc, and absolutely no offense intended, this sounds like a cop-out. Most of your posts on this site seem to be complaints about the insurance billing system. The OP and other OP's of the various medical insurance issues on this site largely post about an occasional problem, o...
by toofache32
Thu Apr 19, 2018 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10102

Re: Got hit with a $2800 Medical bill. Can I negotiate?

Yes the system is broken. Nobody cares, but the doctors are in the same boat. Just like patients don't know how much it will cost, the doctors don't know what they will be paid by the insurance. The public thinks they do but they only have a rough idea which can change from patient to patient and p...
by toofache32
Wed Apr 18, 2018 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10102

Re: Got hit with a $2800 Medical bill. Can I negotiate?

I don't like getting bills either, but if I sign off yes to x testing I feel legally and morally obligated to pay. Call me responsible. But rarely are patients given a price prior to being asked to sign off on a procedure, so the choice they face is to either agree to pay some unknown price or refu...
by toofache32
Wed Apr 18, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10102

Re: Got hit with a $2800 Medical bill. Can I negotiate?

Yes the system is broken. Nobody cares, but the doctors are in the same boat. Just like patients don't know how much it will cost, the doctors don't know what they will be paid by the insurance. The public thinks they do but they only have a rough idea which can change from patient to patient and p...
by toofache32
Wed Apr 18, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10102

Re: Got hit with a $2800 Medical bill. Can I negotiate?

I don't like getting bills either, but if I sign off yes to x testing I feel legally and morally obligated to pay. Call me responsible. But rarely are patients given a price prior to being asked to sign off on a procedure, so the choice they face is to either agree to pay some unknown price or refu...
by toofache32
Wed Apr 18, 2018 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10102

Re: Got hit with a $2800 Medical bill. Can I negotiate?

I don't like getting bills either, but if I sign off yes to x testing I feel legally and morally obligated to pay. Call me responsible. But rarely are patients given a price prior to being asked to sign off on a procedure, so the choice they face is to either agree to pay some unknown price or refu...
by toofache32
Wed Apr 18, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10102

Re: Got hit with a $2800 Medical bill. Can I negotiate?

While the various types/models of HMOs differ, such HMOs (in my experience) do much better at telling you what something will cost. In my current plan (Kaiser) a great many types of surgery are done outpatient or only an overnight stay - at their facility. No matter what the type done at their faci...
by toofache32
Wed Apr 18, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10102

Re: Got hit with a $2800 Medical bill. Can I negotiate?

A raw nerve seems to have been struck among some docs here. Truth be told, this is the only service where a "consumer" of s service is legally obligated for payment without having the dollar amount known in advance. But you ARE told in advance that you might use your entire deductible EVERY YEAR. T...
by toofache32
Wed Apr 18, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10102

Re: Got hit with a $2800 Medical bill. Can I negotiate?

A raw nerve seems to have been struck among some docs here. Truth be told, this is the only service where a "consumer" of s service is legally obligated for payment without having the dollar amount known in advance. But you ARE told in advance that you might use your entire deductible EVERY YEAR. T...
by toofache32
Wed Apr 18, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10102

Re: Got hit with a $2800 Medical bill. Can I negotiate?

I tried for 7 years when I was an in-network doctor to get this information from the insurance companies. They would not budge. They only provide this info to institutional settings and hospital systems (not private offices) because they have to negotiate those fees with institutions. They do not n...
by toofache32
Wed Apr 18, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10102

Re: Got hit with a $2800 Medical bill. Can I negotiate?

A raw nerve seems to have been struck among some docs here. Truth be told, this is the only service where a "consumer" of s service is legally obligated for payment without having the dollar amount known in advance. But you ARE told in advance that you might use your entire deductible EVERY YEAR. T...
by toofache32
Wed Apr 18, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10102

Re: Got hit with a $2800 Medical bill. Can I negotiate?

He did consent to the prices beforehand. It's called a deductible. This is not the same "surprise" billing or "balance" billing we moan about in other threads. The deductible is a KNOWN amount that he signed the dotted line to agree to pay if these services are needed. [/u][/b] Exactly the point. I...
by toofache32
Wed Apr 18, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10102

Re: Got hit with a $2800 Medical bill. Can I negotiate?

You ask your provider how much will service y cost me? They say they have no clue, because they literally don't know. And that is for a simple fee for service model. Then start throwing in quality measures and all that jazz and nobody can actually tell you what anything costs. Literally the provide...
by toofache32
Wed Apr 18, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10102

Re: Got hit with a $2800 Medical bill. Can I negotiate?

A lot of provider contracts with health insurers don't allow further discounting to people insured. Don't you get an insurance discount? Was it in network? You say a small portion was covered, yet you hadn't reached your deductible. We had to get a CT Scan last year. The bill was $2100 but the insu...
by toofache32
Wed Apr 18, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 49
Views: 3304

Re: Medicare Questions

SpiritRider, So you mean that only category 1 or 2 could apply in our case, correct? See the following Medicare.gov link Lower costs with assignment What to know about private contracts You can't be asked to sign a private contract for emergency or urgent care. This is true and another example of h...
by toofache32
Wed Apr 18, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 49
Views: 3304

Re: Medicare Questions

While 500k is a good income, it's not very boglehead to do 800k of work and only get paid for 500k. I thought this was bogleheads?? Are you saying that a pediatrician, who chooses to work in an inner city clinic to treat more than his share of Medicaid patients because he finds it personally reward...
by toofache32
Wed Apr 18, 2018 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10102

Re: Got hit with a $2800 Medical bill. Can I negotiate?

Your deductible is what you agreed to and signed a contract for. You knew this was an amount of money you would be responsible for before your insurance kicked in. You knew the fees you are asked to pay have already been negotiated down by your insurance. I don't understand why you are asking for a...
by toofache32
Tue Apr 17, 2018 11:26 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 49
Views: 3304

Re: Medicare Questions

Unfortunately, consumers can't generally choose anesthesiologists. They are, in effect, monopolies at any given hospital, much like radiologists. There is no "willing buyer" "willing seller" helping to determine a market clearing price. Instead, whatever group the hospital chooses imposes whatever ...
by toofache32
Tue Apr 17, 2018 11:23 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 49
Views: 3304

Re: Medicare Questions

They will try come up with all kind of justifications. I have yet to find an anesthesiologist who makes < $500K. They find little sympathy from me. I have great admiration for the medical profession. Not so much for anesthesiologists. Other doctors have to deal with the same insane health care syst...
by toofache32
Tue Apr 17, 2018 11:04 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 49
Views: 3304

Re: Medicare Questions

I'm not saying I have a solution to this because I don't. I'm just saying that the general public does not realize how much providers are subsidizing healthcare. And the public doesn't know this and doesn't even care.
by toofache32
Tue Apr 17, 2018 10:53 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 49
Views: 3304

Re: Medicare Questions

They will try come up with all kind of justifications. I have yet to find an anesthesiologist who makes < $500K. They find little sympathy from me. I have great admiration for the medical profession. Not so much for anesthesiologists. Other doctors have to deal with the same insane health care syst...
by toofache32
Tue Apr 17, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 49
Views: 3304

Re: Medicare Questions

They will try come up with all kind of justifications. I have yet to find an anesthesiologist who makes < $500K. They find little sympathy from me. I have great admiration for the medical profession. Not so much for anesthesiologists. Other doctors have to deal with the same insane health care syst...
by toofache32
Tue Apr 17, 2018 10:39 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 49
Views: 3304

Re: Medicare Questions

They will try come up with all kind of justifications. I have yet to find an anesthesiologist who makes < $500K. They find little sympathy from me. I have great admiration for the medical profession. Not so much for anesthesiologists. Other doctors have to deal with the same insane health care syst...