Search found 1740 matches

by toofache32
Fri Sep 13, 2019 10:22 pm
Forum: Personal Consumer Issues
Topic: Hospital/Doctor Release Form
Replies: 27
Views: 1851

Re: Hospital/Doctor Release Form

There is a term for this type of contract, adhesion contract . If it contains unreasonable provisions, they will be subject to scrutiny in any court proceedings and may or may not be enforceable. How ironic. This is the same type of contract given to doctors from insurance companies. Welcome to the...
by toofache32
Mon Sep 02, 2019 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Federal employee dental insurance
Replies: 17
Views: 1070

Re: Federal employee dental insurance

This is common with many dental plans and has nothing to do wit being federal. The name of the game in the insurance world is to delay payment. By requiring claims to go through medical first, the dental insurance is able to delay payment by about 6 months. This is an additional 6 months of interes...
by toofache32
Mon Sep 02, 2019 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Federal employee dental insurance
Replies: 17
Views: 1070

Re: Federal employee dental insurance

It took me awhile to find that new dentist because most dentists in my area don't take both BCBS Federal and BCBS Federal Dental. Understandable. I am a dentist and previously dropped all federal plans. They rank among the lowest paying plans, as is usually true for government plans (medicaid, medi...
by toofache32
Mon Sep 02, 2019 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Federal employee dental insurance
Replies: 17
Views: 1070

Re: Federal employee dental insurance

This is common with many dental plans and has nothing to do wit being federal. The name of the game in the insurance world is to delay payment. By requiring claims to go through medical first, the dental insurance is able to delay payment by about 6 months. This is an additional 6 months of interest...
by toofache32
Sun Sep 01, 2019 12:36 pm
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 156
Views: 13110

Re: out of network emergency visits. Huge bill!!!

Balance billing protection does not mean much when one is in er with perforated appendicitis and no surgeon available on call because Medicare pays $200 for an appendectomy done at 1am. Where does Medicare only pay $200? Click link below for fee schedule, and if it does not take you straight to the...
by toofache32
Fri Aug 30, 2019 10:35 am
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 152
Views: 9299

Re: The cost to talk to a doctor

And I did look at the EOB, the charged amount, the writeoff amount, etc. But what I had been charged was still exorbitant. The "charged" amount is a phantom number. Anyone care to know why those charged amounts are so high even though the doctors don't expect to be paid that much? Here's why physic...
by toofache32
Thu Aug 29, 2019 8:48 pm
Forum: Personal Consumer Issues
Topic: Medicare excess charges -- Connecticut
Replies: 5
Views: 626

Re: Medicare excess charges -- Connecticut

Connecticut is one of the states that outlaw it. It is limited to 15% plus it is pretty rare, so I think keeping plan n is reasonable. https://65medicare.org/medicare-part-b-excess-charges/ Are you talking about emergency care or elective care? The "balance billing" rules apply to emergency care. T...
by toofache32
Thu Aug 29, 2019 8:12 am
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 152
Views: 9299

Re: The cost to talk to a doctor

I was charged ~$400 for a post surgery visit of less than 1 minute. Doctor was walking through the corridors saw me, asked me if everything was ok (it was), and left In the real world, doctors charge what they can, not a free-market fair price. How much time did he spend on your case without you th...
by toofache32
Wed Aug 28, 2019 9:29 pm
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 156
Views: 13110

Re: out of network emergency visits. Huge bill!!!

This link provides some info concerning balance billing. Worth reading. https://www.commonwealthfund.org/sites/default/files/documents/___media_files_publications_issue_brief_2017_jun_lucia_balance_billing_ib.pdf Enjoy! Broken Man 1999 Thank you — this was definitely worth reading. Fortunately my s...
by toofache32
Wed Aug 28, 2019 9:27 pm
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 156
Views: 13110

Re: out of network emergency visits. Huge bill!!!

Don’t take any ER calls where you will be the one billing for the consult. Public and politicians do not want to see physicians charging what we see as fair for our years of training and hard work. Heck they don’t want to pay even at par with what plumbers charge for night work. Just ask the hospit...
by toofache32
Wed Aug 28, 2019 8:49 pm
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 156
Views: 13110

Re: out of network emergency visits. Huge bill!!!

Don’t take any ER calls where you will be the one billing for the consult. Public and politicians do not want to see physicians charging what we see as fair for our years of training and hard work. Heck they don’t want to pay even at par with what plumbers charge for night work. Just ask the hospit...
by toofache32
Wed Aug 28, 2019 7:53 pm
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 156
Views: 13110

Re: out of network emergency visits. Huge bill!!!

That link did not even touch on the subject of balance billing. It only discusses that insurers can’t charge you more (than in-network) for ER visits ... but providers sure can! If the providers do not have a network contract with your insurance company, you will pay their regular, full fare rate, ...
by toofache32
Wed Aug 28, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 152
Views: 9299

Re: The cost to talk to a doctor

OP never came to reply what he or she meant by "talk to a doctor" (at least I didn't see it). I find it absurd that people complain for only seeing a doctor for a few minutes. We pay for the doctor's expertise, not his or her time. Some appointments may require varying lengths of time for a diagnos...
by toofache32
Tue Aug 27, 2019 10:04 pm
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 156
Views: 13110

Re: out of network emergency visits. Huge bill!!!

beergod wrote:
Tue Aug 27, 2019 9:47 pm
Would someone explain to me if OP's out of network out of pocket maximum is $5000, why does he owe $10000? Shouldn't he pay $5000 and then the insurance or maybe the black hole of medical fees pay the remainder?
Out of pocket maximums usually only apply to in-network care.
by toofache32
Tue Aug 27, 2019 8:57 pm
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 156
Views: 13110

Re: out of network emergency visits. Huge bill!!!

I thought with the ACA, that in the event of an emergency that out of network providers had to be covered as in network? Basically, if it's an emergency I thought you were always in network? My insurance has NO coverage for out of network services. This scares the bejezus out of me! Does this apply...
by toofache32
Mon Aug 26, 2019 10:36 pm
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 156
Views: 13110

Re: out of network emergency visits. Huge bill!!!

My proposed solution is to lobby for a requirement that insurance companies have adequate provider networks, not narrow networks which is a form of rationing care. Lobby for insurance companies to give providers a reason to sign up for their plans, not a reason to avoid them. The only lobbying we se...
by toofache32
Mon Aug 26, 2019 10:16 pm
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 156
Views: 13110

Re: out of network emergency visits. Huge bill!!!

It can be anywhere from 20-50% of the bill. You are probably better off doing that rather than bothering with insurance. And *that* right there is why we know the health care system pricing is smoke and mirrors. If you can cut a bill by 20-50% with a five minute phone call, there's definitely more ...
by toofache32
Mon Aug 26, 2019 9:43 pm
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 156
Views: 13110

Re: out of network emergency visits. Huge bill!!!

It can be anywhere from 20-50% of the bill. You are probably better off doing that rather than bothering with insurance. And *that* right there is why we know the health care system pricing is smoke and mirrors. If you can cut a bill by 20-50% with a five minute phone call, there's definitely more ...
by toofache32
Mon Aug 26, 2019 8:04 pm
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 156
Views: 13110

Re: out of network emergency visits. Huge bill!!!

Because you have no choice of providers once you are in the ER, you have the moral high ground... Moral high ground? The provider has no choice of only seeing patients on their plan. It's hardly moral to ask someone to work for rates that don't even cover their costs. Coming to the ER with crummy i...
by toofache32
Mon Aug 26, 2019 8:03 pm
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 156
Views: 13110

Re: out of network emergency visits. Huge bill!!!

brocker wrote:
Mon Aug 26, 2019 7:49 pm
You had no idea what you were going to get charged when you went in....
You had no choice....
Of course they knew they would be charged; the OP already said he/she knew it was out of network.
The providers and facility had no choice either.
by toofache32
Mon Aug 26, 2019 7:40 pm
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 156
Views: 13110

Re: out of network emergency visits. Huge bill!!!

Because you have no choice of providers once you are in the ER, you have the moral high ground... Moral high ground? The provider has no choice of only seeing patients on their plan. It's hardly moral to ask someone to work for rates that don't even cover their costs. Coming to the ER with crummy i...
by toofache32
Mon Aug 26, 2019 7:31 pm
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 156
Views: 13110

Re: out of network emergency visits. Huge bill!!!

...You also make it sound as if the OP knew that the price difference would be that large and made an informed choice. There is no way he could have known how much he would have saved going to the other emergency room. I may be cynical but I wouldn't be surprised if he went to an "in-network" emerg...
by toofache32
Mon Aug 26, 2019 7:18 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 152
Views: 9299

Re: The cost to talk to a doctor

I could be wrong but I would assume that a "complicated, sick patient" would not choose to use telemedicine (self selection), or if they did their physician would recommend they see someone in person. I don't have a serious condition, so I'm planning to use a telemedicine PCP. Ideal for me. Efficie...
by toofache32
Mon Aug 26, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: Physician quality and experience
Replies: 94
Views: 5961

Re: Physician quality and experience

I rely heavily on where the doc did residency for my choices. How do you find out which are the good residencies for a particular specialty? For example, in my surgical specialty, Harvard is the laughing stock of the USA, although everyone has heard the name Harvard. That is a good point that I had...
by toofache32
Mon Aug 26, 2019 12:13 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 152
Views: 9299

Re: The cost to talk to a doctor

Godot wrote:
Mon Aug 26, 2019 11:59 am
I could be wrong but I would assume that a "complicated, sick patient" would not choose to use telemedicine (self selection)...
Oh you would be surprised. VERY surprised.
by toofache32
Mon Aug 26, 2019 8:25 am
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 152
Views: 9299

Re: The cost to talk to a doctor

My doctor doesn’t charge anything to communicate using email/patient portal. Obviously you don’t want to be the little boy crying wolf and emailing them every week, but when I’ve been genuinely sick I’ve always talked to them through the portal and they never charged me anything. IMO I’d try to fin...
by toofache32
Sun Aug 25, 2019 10:09 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 152
Views: 9299

Re: The cost to talk to a doctor

[...] Wow!! :thumbsup :thumbsup But I really doubt too many doctors are like this - at least, I don't think any of my doctors have been like this in the last three decades (more or less) in the USA! PS: Yes, I've gotten calls backs from dentists (as have my kids) after major tooth extractions... bu...
by toofache32
Sun Aug 25, 2019 8:33 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 152
Views: 9299

Re: The cost to talk to a doctor

[...] I seriously doubt he can offer all his patients that level of care while still staying solvent. If not, he should reveal his business model to all doctors! This is how I run my practice. All my patients have my cell and I call them in the evening to review test results to save them a trip bac...
by toofache32
Sun Aug 25, 2019 8:06 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 152
Views: 9299

Re: The cost to talk to a doctor

With my previous employer based health insurance, if I wanted to talk to a doctor it would generally cost a $45 copay. My employer now uses a high deductible health plan (HDHP) with a deductible of $12,000. When I called to ask what it would cost to talk to my doctor, they said it depends on what's...
by toofache32
Sun Aug 25, 2019 6:44 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 152
Views: 9299

Re: The cost to talk to a doctor

As for liability, we as a Nation have waived most of your rights into Arbitration, Medical field is not immune. I'm not sure I understand what you mean. Example: You have the worst headache of your life. The doctor skyping you from India says take tylenol. Turns out you have an aneurysm which bleed...
by toofache32
Sun Aug 25, 2019 5:59 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 152
Views: 9299

Re: The cost to talk to a doctor

It costs me nothing to talk to my PCP. Though, frankly I wish he would charge. I have had his cell number for almost as long as I have been seeing him. We have probably called him less than once a year, so no abuse from me in wasting his time. Truth is, he calls me more than I call him. He calls so...
by toofache32
Sun Aug 25, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 152
Views: 9299

Re: The cost to talk to a doctor

Just a matter of time before MDLIVE or some one else will use doctors overseas at a fraction the cost. What is stopping an app in India to provide medical consulting to anyone in the world. Doctors Without Borders indeed. I'm looking forward to this. Who assumes liability in these cases of overseas...
by toofache32
Sun Aug 25, 2019 3:23 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 152
Views: 9299

Re: The cost to talk to a doctor

My doctor doesn’t charge anything to communicate using email/patient portal. Obviously you don’t want to be the little boy crying wolf and emailing them every week, but when I’ve been genuinely sick I’ve always talked to them through the portal and they never charged me anything. IMO I’d try to fin...
by toofache32
Sun Aug 25, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 152
Views: 9299

Re: The cost to talk to a doctor

The insurance allowed rate to see my PCP, a PA not a physician is $181. She will not give me blood work in advance and requires a second visit to discuss the results (which I've already seen on the lab portal and are excellent). No one in the office, billing, or main office can tell me what the 2nd...
by toofache32
Sun Aug 25, 2019 12:45 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 152
Views: 9299

Re: The cost to talk to a doctor

Just a matter of time before MDLIVE or some one else will use doctors overseas at a fraction the cost. What is stopping an app in India to provide medical consulting to anyone in the world. Doctors Without Borders indeed. This has already been around for years. The utility is limited because the do...
by toofache32
Sun Aug 25, 2019 12:43 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 152
Views: 9299

Re: The cost to talk to a doctor

Momus wrote:
Sun Aug 25, 2019 11:33 am
My plastic saw me for 3 mins, talked in 2 mins, walked out, charges $500/"consult" lol.
I'm sure he can take longer next time if you just ask.
by toofache32
Sun Aug 25, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 152
Views: 9299

Re: The cost to talk to a doctor

A doctor has to generate a certain income per hour. At 400$/h you would need to pay about 100$ per 15 minutes discussion (and that includes the overhead of opening your files and reading them). For a specialist it could be a lot more. That's one way to look at it. It costs me about $250 per hour ju...
by toofache32
Sun Aug 25, 2019 9:10 am
Forum: Personal Consumer Issues
Topic: Physician quality and experience
Replies: 94
Views: 5961

Re: Physician quality and experience

I rely heavily on where the doc did residency for my choices. How do you find out which are the good residencies for a particular specialty? For example, in my surgical specialty, Harvard is the laughing stock of the USA, although everyone has heard the name Harvard. That is a good point that I had...
by toofache32
Sat Aug 24, 2019 10:51 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 152
Views: 9299

Re: The cost to talk to a doctor

$150 to $600 is a huge range. I almost wonder if the staff member was pulling numbers out of thin air. I pay one specialist in cash, and she charges between $75 and $150 except for the first appointment which is $350. Since you have an insurance plan, as long as the doctor is in the network - make ...
by toofache32
Sat Aug 24, 2019 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Transfer of stock (gift) reported to IRS?
Replies: 7
Views: 575

Re: Transfer of stock (gift) reported to IRS?

ivk5 wrote:
Sat Aug 24, 2019 9:56 pm

Donee inherits the donor’s cost basis. It is not stepped up.
I didn't know that. So how is the FMV at the time of transfer used? Thanks in advance.
by toofache32
Sat Aug 24, 2019 10:04 pm
Forum: Personal Consumer Issues
Topic: Physician quality and experience
Replies: 94
Views: 5961

Re: Physician quality and experience

Swansea wrote:
Fri Aug 23, 2019 8:29 am
I rely heavily on where the doc did residency for my choices.
How do you find out which are the good residencies for a particular specialty? For example, in my surgical specialty, Harvard is the laughing stock of the USA, although everyone has heard the name Harvard.
by toofache32
Sat Aug 24, 2019 9:58 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 152
Views: 9299

Re: The cost to talk to a doctor

IMO I’d try to find a different doctor/practice. $ 150+ just to ask them a question is absurd. I think the OP is using “talk to the doctor” as a euphemism for an office visit. The prices would seem to reflect E&M services of varying complexity. In that case it would make sense to bill the patient. ...
by toofache32
Sat Aug 24, 2019 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Transfer of stock (gift) reported to IRS?
Replies: 7
Views: 575

Re: Transfer of stock (gift) reported to IRS?

Make sure your kids have all the necessary information now so they won't have to scramble when they sell. They need to know: Your cost basis The fair market value at the time of the gift How long you held the stock How is the cost basis different from the FMV at the time of the gift? Also, why do t...
by toofache32
Thu Aug 15, 2019 4:31 pm
Forum: Personal Consumer Issues
Topic: Family Practice going member only Pros & Cons?
Replies: 53
Views: 3285

Re: Family Practice going member only Pros & Cons?

IMHO this is more like how the financial side of medicine should work. We don’t carry car insurance to have our oil changed. Why should we buy a lot of extra health insurance for routine PCP visits? Would you buy this product from a car dealer? Would you prepay for a service plan that only makes fi...
by toofache32
Wed Aug 14, 2019 10:11 pm
Forum: Personal Consumer Issues
Topic: Family Practice going member only Pros & Cons?
Replies: 53
Views: 3285

Re: Family Practice going member only Pros & Cons?

With several friends who are concierge doctors, their goal is to generally get away from the red tape and paperwork. They don't make more money, but they are able to practice without insurance telling them what they can and cannot do. It also lowers their overhead since they don't have to hire a ro...
by toofache32
Wed Aug 14, 2019 9:26 pm
Forum: Personal Consumer Issues
Topic: Provider choosing to bill as out of network
Replies: 35
Views: 2473

Re: Provider choosing to bill as out of network

I'm still not convinced this doctor is in-network. It's not as simple as seeing the doctor's name on the insurance website.
by toofache32
Wed Aug 14, 2019 3:36 pm
Forum: Personal Consumer Issues
Topic: Family Practice going member only Pros & Cons?
Replies: 53
Views: 3285

Re: Family Practice going member only Pros & Cons?

For a differing data point--a couple I'm friends with signed up for one such service. The doctor was overstretched and out of her depth, and should have sent the husband to a specialist rather than attempting to manage his condition on her own. (My friends also fell prey to the sunk cost fallacy an...
by toofache32
Wed Aug 14, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: Family Practice going member only Pros & Cons?
Replies: 53
Views: 3285

Re: Family Practice going member only Pros & Cons?

With several friends who are concierge doctors, their goal is to generally get away from the red tape and paperwork. They don't make more money, but they are able to practice without insurance telling them what they can and cannot do. It also lowers their overhead since they don't have to hire a roo...
by toofache32
Wed Aug 14, 2019 10:27 am
Forum: Personal Consumer Issues
Topic: Provider choosing to bill as out of network
Replies: 35
Views: 2473

Re: Provider choosing to bill as out of network

If you live in a state where balance billing is allowed, this can easily snowball into a massive cash drag. Balance billing is related to (usually) emergency care when there is no way to create a contract between the doctor and patient prior to treatment. In an office setting, that contract is in p...