This is the "history" part of taking a history and physical.AnEngineer wrote: ↑Fri Dec 24, 2021 7:10 amDoctors can provide the same level of care without knowing the patient's history?jeam3131 wrote: ↑Fri Dec 24, 2021 7:01 amIt doesn't penalize anyone.mmse wrote: ↑Thu Dec 23, 2021 11:54 pmHmm... Does not this implicitly penalize the disciplined patients? (by the doctor being less prepared). Is there a way to turn this around?toofache32 wrote: ↑Thu Dec 23, 2021 9:59 am I used to review patients history from their referral prior to appointments. But it turned out to be wasted time (and unbillable) when patients didn't show up for their appointment.
Search found 2326 matches
- Fri Dec 24, 2021 3:54 pm
- Forum: Personal Finance (Not Investing)
- Topic: Medical billing question #2
- Replies: 53
- Views: 4680
Re: Medical billing question #2
- Thu Dec 23, 2021 10:24 pm
- Forum: Personal Consumer Issues
- Topic: Hospital Bill Advice
- Replies: 76
- Views: 5638
Re: Hospital Bill Advice
-As I stated, you are not qualified to second guess whether the test was indicated. -You are also not qualified to assess whether they prioritized the services you received appropriately. receive. Is a patient entitled to a rational explanation why the tests are necessary? After such explanation, can the patient to sign off a waver refusing the test in order to proceed to what he really wants? Does it seem strange that the *basic* procedure the patient requested was not provided? Absolutely not. The ER is NOT there to provide what the patient "wants". They are there to provide what the patient NEEDS based on basic medical principles. [OT comment removed by moderator oldcomputerguy] In these cases, the patients usually tell the ju...
- Thu Dec 23, 2021 9:45 pm
- Forum: Personal Consumer Issues
- Topic: Hospital Bill Advice
- Replies: 76
- Views: 5638
Re: Hospital Bill Advice
These are the people who balk at paying the $300 they contractually agreed to.... This isn’t quite right. They “contractually agreed” with their insurance company that (quite likely) they may pay something, but what the amount of that something is could very well be unknown at the time that said contract was signed. The something could be a copay, co-insurance, a deductible, something else, or perhaps nothing at all. But if the something is co-insurance, it is likely unknown what the actual “contractually agreed” amount would be until well after the fact. Perhaps it is only in health care where someone can “contractually agree” to something without having even a remote idea of what the cost of said something will be, and without any reason...
- Thu Dec 23, 2021 9:41 pm
- Forum: Personal Consumer Issues
- Topic: Hospital Bill Advice
- Replies: 76
- Views: 5638
Re: Hospital Bill Advice
Thanks for the advice.. I was going to pay it but just wanted to peer review it with you all to see if I'm headed in the right direction. Looks like we're all in agreement that there's little point fighting it. You fell and hit your head and were a bit disoriented, so they ran some tests? It sounds like they were doing their job. These are the people who balk at paying the $300 they contractually agreed to.... but at the same time, will sue if a test could have been used to diagnose an improbable but possible condition. You're making an awful lot of assumptions here about me. I tripped down the stairs and the nurse was trying to explain to me that there could be an underlying condition that made me fall... so I'd need blood work, a chest x...
- Thu Dec 23, 2021 9:37 pm
- Forum: Personal Consumer Issues
- Topic: Hospital Bill Advice
- Replies: 76
- Views: 5638
Re: Hospital Bill Advice
I'm curious to know who is "they"? The ER doc doesn't get paid extra for ordering blood work. The CEO is not sitting on his shoulder with red horns whispering "get the expensive MRI". Please tell us exactly who are the players in this deceitful game you claim.
- Thu Dec 23, 2021 8:55 pm
- Forum: Personal Consumer Issues
- Topic: Hospital Bill Advice
- Replies: 76
- Views: 5638
Re: Hospital Bill Advice
Good grief
- Thu Dec 23, 2021 8:46 pm
- Forum: Personal Finance (Not Investing)
- Topic: Medical billing question #2
- Replies: 53
- Views: 4680
Re: Medical billing question #2
"You have to pay in full prior to this appt for a 2nd opinion because your insurance company has stiffed me several times before." - toofache32AnEngineer wrote: ↑Thu Dec 23, 2021 8:40 pm"Many health insurance plans cover second opinions." - Anthemtoofache32 wrote: ↑Thu Dec 23, 2021 7:44 pmYes, that's what I said. Duplicative.CFM300 wrote: ↑Thu Dec 23, 2021 6:17 pmSecond opinion.toofache32 wrote: ↑Thu Dec 23, 2021 3:57 pm It's also interesting that it sounds like your insurance is covering both appointments. They often don't pay for duplicative healthcare.
"Ask your health insurance company if it covers a second opinion. For some surgeries, it's required." - Cigna
- Thu Dec 23, 2021 7:44 pm
- Forum: Personal Finance (Not Investing)
- Topic: Medical billing question #2
- Replies: 53
- Views: 4680
Re: Medical billing question #2
Yes, that's what I said. Duplicative.CFM300 wrote: ↑Thu Dec 23, 2021 6:17 pmSecond opinion.toofache32 wrote: ↑Thu Dec 23, 2021 3:57 pm It's also interesting that it sounds like your insurance is covering both appointments. They often don't pay for duplicative healthcare.
- Thu Dec 23, 2021 3:57 pm
- Forum: Personal Finance (Not Investing)
- Topic: Medical billing question #2
- Replies: 53
- Views: 4680
Re: Medical billing question #2
It's also interesting that it sounds like your insurance is covering both appointments. They often don't pay for duplicative healthcare.
- Thu Dec 23, 2021 11:47 am
- Forum: Personal Finance (Not Investing)
- Topic: Medical billing question #2
- Replies: 53
- Views: 4680
Re: Medical billing question #2
No this doesn't make sense. If both are in network, the 99204 should be less than the 99205 by little bit. That, of course, is what I was thinking, but it seems that many here agree with my insurance company's claim that there can be different allowable rates for different doctors for the same service/code, even if both doctors are in-network and of the same specialty. This has to do with negotiating power. Most independent private practice docs don't have any leverage. But docs who are employed by a university or major health system have the negotiating power. Actually, it's the employer (not the doc) negotiating in that scenario. I am an independent private practice physician. The insurance companies wouldn't even give me a fee schedule ...
- Thu Dec 23, 2021 9:59 am
- Forum: Personal Finance (Not Investing)
- Topic: Medical billing question #2
- Replies: 53
- Views: 4680
Re: Medical billing question #2
I used to review patients history from their referral prior to appointments. But it turned out to be wasted time (and unbillable) when patients didn't show up for their appointment.CFM300 wrote: ↑Thu Dec 23, 2021 12:18 amIt was about an hour of my time, since the doctor was late to the appointment. He had not read any of my history before our meeting. I explained my history and my concern.toofache32 wrote: ↑Wed Dec 22, 2021 9:25 pm 10 minutes of YOUR time or 10 minutes of the doctors time? Can you tell us how much time was spent on your visit by the physician and office staff after you left?
- Wed Dec 22, 2021 9:28 pm
- Forum: Personal Finance (Not Investing)
- Topic: Spouse....Poor review [at work]
- Replies: 157
- Views: 20591
Re: Spouse....Poor review
What is a "90% review"?? Why did they not complete the review?
- Wed Dec 22, 2021 9:26 pm
- Forum: Personal Finance (Not Investing)
- Topic: Medical billing question #2
- Replies: 53
- Views: 4680
Re: Medical billing question #2
If one group of doctors (or other providers) is larger, in a tertiary care center or there is very little competition in their area, they’ll have more clout when negotiating with insurance companies. Unfortunately this is the exact reason that large hospital systems and private equity companies are taking over medical practices - because they have much more negotiating power. Small self-employed physician groups have a hard time surviving. Thanks for that insight, which aligns with what occurred. The doctor who charged and was allowed the higher rate for the lower service is affiliated with a large hospital, whereas the doctor who charged the lower rate for the higher level of service is affiliated with a small practice. The other thing to...
- Wed Dec 22, 2021 9:25 pm
- Forum: Personal Finance (Not Investing)
- Topic: Medical billing question #2
- Replies: 53
- Views: 4680
Re: Medical billing question #2
"10-minute verbal consult with an in-network doctor".... 10 minutes of YOUR time or 10 minutes of the doctors time? Can you tell us how much time was spent on your visit by the physician and office staff after you left?CFM300 wrote: ↑Wed Dec 22, 2021 11:27 amThanks for the additional explanation. I'm definitely experiencing sticker shock. I'm amazed that a simple, 10-minute verbal consult with an in-network doctor can cost $500 AFTER insurance. But the exact charges are irrelevant from my perspective, because I'm going to hit my max out-of-pocket one way or another.
- Wed Dec 22, 2021 9:20 pm
- Forum: Personal Finance (Not Investing)
- Topic: Medical billing question #2
- Replies: 53
- Views: 4680
Re: Medical billing question #2
If one group of doctors (or other providers) is larger, in a tertiary care center or there is very little competition in their area, they’ll have more clout when negotiating with insurance companies. Unfortunately this is the exact reason that large hospital systems and private equity companies are taking over medical practices - because they have much more negotiating power. Small self-employed physician groups have a hard time surviving. Thanks for that insight, which aligns with what occurred. The doctor who charged and was allowed the higher rate for the lower service is affiliated with a large hospital, whereas the doctor who charged the lower rate for the higher level of service is affiliated with a small practice. The other thing to...
- Sun Dec 19, 2021 8:18 pm
- Forum: Personal Consumer Issues
- Topic: What is your favorite scotch/alcoholic drink?
- Replies: 66
- Views: 6716
Re: What is your favorite scotch/alcoholic drink?
Yet, some people still take a second sip for some bizarre reason.jeff2718 wrote: ↑Sun Dec 19, 2021 7:59 pm I'm a fan of peaty Scotches, especially Lagavulin, Ardbeg, and Talisker. I also enjoy Laphroaig, but it is definitely not the easiest to drink. A few years ago my father and I took a trip to Scotland, and at a Scotch tasting there we were given the best possible description of Laphroaig: "it tastes like a burning hospital."
- Sun Dec 19, 2021 7:54 pm
- Forum: Personal Consumer Issues
- Topic: Wi Fi extenders
- Replies: 41
- Views: 4106
Re: Wi Fi extenders
Love my Orbi Mesh system. I have 5 satellites spread over a 1 acre lot including a 4000 square foot house, although I could have gotten by just fine with the standard 3 satellites. 3 satellites are in the house (2-story) and another is 100 feet away in an enclosed pump house near the dock on the water, and another is in the detached garage which ultimately reaches 220 feet from the router in the center of the house.
- Sun Dec 19, 2021 7:16 pm
- Forum: Personal Consumer Issues
- Topic: What is your favorite scotch/alcoholic drink?
- Replies: 66
- Views: 6716
Re: What is your favorite scotch/alcoholic drink?
Most clear tequilas. I can definitely tell you what my LEAST favorite is. Someone gave me a bottle of something called Laphroaig. Literally tastes like nasty cough syrup. Someone later told me it's fancy stuff although I have no idea how anyone can stomach that stuff.
- Sat Dec 04, 2021 9:21 pm
- Forum: Personal Consumer Issues
- Topic: ID.me [Identify verification site]
- Replies: 363
- Views: 42210
Re: ID.me
I have used ID ME for a couple years for writing prescriptions: https://www.id.me/business/epcs
- Thu Nov 25, 2021 7:03 pm
- Forum: Personal Finance (Not Investing)
- Topic: Pending sale of 1.2M medical practice and capital gains questions
- Replies: 13
- Views: 2688
Re: Pending sale of 1.2M medical practice and capital gains questions
This sounds like another private equity roll up where they "over pay" but they are really just pre-paying for your additional years of work at lower pay. [OT comment removed by moderator oldcomputerguy]
How was the valuation performed?
When you say "income" are you referring to production or collections or net personal profit?
What is your EBITDA and what multiplier are they applying?
How was the valuation performed?
When you say "income" are you referring to production or collections or net personal profit?
What is your EBITDA and what multiplier are they applying?
- Sat Nov 06, 2021 9:47 pm
- Forum: Personal Consumer Issues
- Topic: Colonoscopy charge issues
- Replies: 65
- Views: 9102
- Sat Nov 06, 2021 9:44 pm
- Forum: Personal Consumer Issues
- Topic: Colonoscopy charge issues
- Replies: 65
- Views: 9102
Re: Colonoscopy charge issues
A relative made an appointment for a colonoscopy. The office emailed preparation information and said she must have a covid test before the appointment. She chose to go to their office for the test and was handed what seemed the same packet of prep info. On examination, however, was a piece of paper saying there would be a $400 charge for the anesthesiologist not covered by Medicare. This had not been mentioned. If she hadn't gone, she would have gone through the prep (no fun) and been hit with a $200 cancelation charge if she didn't agree to pay the anesthesiologist. She then tried the gastroenterologist group to which her GP referred her, both part of the same system. This group said it wouldn't make an appointment until she had a virtua...
- Sat Nov 06, 2021 4:30 pm
- Forum: Personal Consumer Issues
- Topic: Colonoscopy charge issues
- Replies: 65
- Views: 9102
Re: Colonoscopy charge issues
A relative made an appointment for a colonoscopy. The office emailed preparation information and said she must have a covid test before the appointment. She chose to go to their office for the test and was handed what seemed the same packet of prep info. On examination, however, was a piece of paper saying there would be a $400 charge for the anesthesiologist not covered by Medicare. This had not been mentioned. If she hadn't gone, she would have gone through the prep (no fun) and been hit with a $200 cancelation charge if she didn't agree to pay the anesthesiologist. She then tried the gastroenterologist group to which her GP referred her, both part of the same system. This group said it wouldn't make an appointment until she had a virtua...
- Sat Nov 06, 2021 3:16 am
- Forum: Personal Consumer Issues
- Topic: Colonoscopy charge issues
- Replies: 65
- Views: 9102
Re: Colonoscopy charge issues
A relative made an appointment for a colonoscopy. The office emailed preparation information and said she must have a covid test before the appointment. She chose to go to their office for the test and was handed what seemed the same packet of prep info. On examination, however, was a piece of paper saying there would be a $400 charge for the anesthesiologist not covered by Medicare. This had not been mentioned. If she hadn't gone, she would have gone through the prep (no fun) and been hit with a $200 cancelation charge if she didn't agree to pay the anesthesiologist. She then tried the gastroenterologist group to which her GP referred her, both part of the same system. This group said it wouldn't make an appointment until she had a virtua...
- Wed Nov 03, 2021 10:09 pm
- Forum: Personal Finance (Not Investing)
- Topic: Should I Add My Wife to Home Title?
- Replies: 62
- Views: 6990
Re: Should I Add My Wife to Home Title?
I could be wrong but I thought in Texas, both of you are REQUIRED to be on the title? Or maybe it's a tax thing?MBB_Boy wrote: ↑Wed Nov 03, 2021 7:59 am I decided to keep my wife off the mortgage, simply to allow her more room to take out additional debt if needed (e.g., vacation home, new car, etc). There was no benefit financially to putting her on it.
She is on the title however, because I didn't see an advantage to not doing so here in Texas. I also probably would have gotten some side-eye, but if there was a clear advantage she wouldn't have argued against it. She's typically rational like that haha
- Sun Oct 31, 2021 10:18 am
- Forum: Personal Consumer Issues
- Topic: Squaretrade wants me to find a repair facility for my compressor
- Replies: 16
- Views: 2002
Re: Squaretrade wants me to find a repair facility for my compressor
Seriously. Never had to mess with my sprinklers. My tools are electric. I have a tire inflator in my garage but I usually use the one at the gas station for 50 cents. Not everyone is a Bubba.
- Sat Oct 30, 2021 10:17 pm
- Forum: Personal Consumer Issues
- Topic: Squaretrade wants me to find a repair facility for my compressor
- Replies: 16
- Views: 2002
Re: Squaretrade wants me to find a repair facility for my compressor
What does one do with an air compressor?
- Sat Oct 23, 2021 12:17 am
- Forum: Personal Consumer Issues
- Topic: Toilet Bowl Cleaner
- Replies: 23
- Views: 2362
Re: Toilet Bowl Cleaner
I would be interested in a more active product I remember seeing advertised long ago but I cannot remember the name. It looked like a Roomba running around the toilet cleaning the walls.
- Sat Oct 23, 2021 12:14 am
- Forum: Personal Consumer Issues
- Topic: Have water heaters and installation gotten this out of hand?
- Replies: 135
- Views: 22263
Re: Have water heaters and installation gotten this out of hand?
Like everything else, it costs what it costs. Get multiple estimates. Figure out where you want the split between cost and quality. For some people, everything is deemed expensive.
- Sat Oct 23, 2021 12:07 am
- Forum: Personal Finance (Not Investing)
- Topic: Making an insurance claim to get my garage to pay up
- Replies: 12
- Views: 1620
Re: Making an insurance claim to get my garage to pay up
I'm confused. If you park your auto, who is "they" that scratched it?
- Mon Oct 18, 2021 10:54 am
- Forum: Personal Finance (Not Investing)
- Topic: Dental & Vision Insurance after 65 - best options?
- Replies: 60
- Views: 8189
Re: Dental & Vision Insurance after 65 - best options?
Which is why it's not really insurance.soitgoes2 wrote: ↑Mon Oct 18, 2021 7:54 am Vision and dental insurance often is more of a way to spread payments over a year and take advantage of negated rates. I know my dentist offers his own savings plan where you pay for two exams and cleanings at a slight discount and he offers a discount for other work you need. Unfortunately even many insurance don't cover the biggest dental expenses such as implants.
- Sat Oct 16, 2021 7:52 pm
- Forum: Personal Finance (Not Investing)
- Topic: Dental & Vision Insurance after 65 - best options?
- Replies: 60
- Views: 8189
Re: Walmart Dental
I'll do it for $17.ceejay185 wrote: ↑Sat Oct 16, 2021 6:04 pm Just curious if anyone has had any experience with Walmart Dental Services? Their operations are currently limited to Arkansas, Georgia, and Illinois. But $30 for teeth cleaning sounds like an incredible deal! https://www.walmarthealth.com/schedule/ ... 2&nbr=4108
Amazing how everyone talks about price but never quality.
- Wed Oct 13, 2021 8:02 am
- Forum: Personal Finance (Not Investing)
- Topic: Dental & Vision Insurance after 65 - best options?
- Replies: 60
- Views: 8189
Re: Dental & Vision Insurance after 65 - best options?
Dental "insurance" is not really insurance. It's actually the opposite of insurance. It would be like if your auto insurance paid for your oil change but not a major collision. This is the best explanation I have come across: https://meadfamilydental.com/2011/12/li ... rol-freak/
- Mon Oct 11, 2021 11:27 am
- Forum: Personal Consumer Issues
- Topic: I'm Ready to Buy a DashCam. Help me find some Options!
- Replies: 16
- Views: 2678
Re: I'm Ready to Buy a DashCam. Help me find some Options!
I agree. You want the highest resolution to be able to read license plates. It's surprising how difficult it can be to read them with shadows and movement.Horologium wrote: ↑Sun Oct 10, 2021 11:13 pmIMO, this is one of the most important, if not the most important, feature.Flight Plan wrote: ↑Sat Oct 09, 2021 6:55 pm
Image quality should be very good day or night, but I don't think I need 4K. I don't have any 4K monitors yet!
My reason for having a dash cam is to have video evidence of an accident. If the image quality is poor and I can't read the license plate of the guy who hit me and took off, what good is the dash cam?
- Sun Oct 10, 2021 9:23 pm
- Forum: Personal Consumer Issues
- Topic: I'm Ready to Buy a DashCam. Help me find some Options!
- Replies: 16
- Views: 2678
Re: I'm Ready to Buy a DashCam. Help me find some Options!
Why would you want your speed shown? Seems this could work against you as much as it works for you.
[/quote]
You're right and I wouldn't present it as support in a situation if high speed could be a negative factor. If a cop sees you have a dashcam can they force you to show them the video? I wouldn't think so. Or one could say "it's broken" or "got erased". I'm not a crazy driver and just glad to have it in case "the other guy" is and causes a crash.
[/quote]
Good thoughts. I am no expert on this, but I have my MPH turned off. I just can't think of how it would help me. The VISUAL aspects of an accident on video (I think) are what is to be recorded.
- Sun Oct 10, 2021 6:53 pm
- Forum: Personal Finance (Not Investing)
- Topic: Hospital RN: pay range increase applied unfairly?
- Replies: 77
- Views: 10084
Re: Hospital RN: pay range increase applied unfairly?
This is true in almost all areas of clinical care, not just nursing. There is not much reason to improve your skills because there is no financial incentive.nydoc wrote: ↑Sun Oct 10, 2021 4:32 pm This is a big problem in healthcare. No one cares about quality and performance. If you have excellent skills you are still at the mercy of hospitals and insurance companies who decide the pay. Very difficult to get a better salary based on your performance. Only volume matters which leads to burn out and sadly patients are mostly in the dark about the quality.
- Sun Oct 10, 2021 6:39 pm
- Forum: Personal Consumer Issues
- Topic: I'm Ready to Buy a DashCam. Help me find some Options!
- Replies: 16
- Views: 2678
Re: I'm Ready to Buy a DashCam. Help me find some Options!
Installed the below Street Guardian kit (F & R) 2 years ago in my 2018 Accord and it has worked perfectly. Youtube has lots of install videos which made it easy. Only difficulty was getting upside down under the steering wheel to see the fuse box under the dash. Also got their mph sensor which puts a constant speed readout on the video. Though I've never needed video for evidence, I have pulled the card a couple times just to check picture quality and it's very good. Youtube has lots of videos posted from different cams so look some of those over. Appears SG has a few new models since I bought so you can compare to see which works best for you. https://streetguardian.cam/sg9663dcpro Why would you want your speed shown? Seems this could...
- Sun Oct 10, 2021 12:39 pm
- Forum: Personal Finance (Not Investing)
- Topic: Hospital RN: pay range increase applied unfairly?
- Replies: 77
- Views: 10084
Re: Hospital RN: pay range increase applied unfairly?
Yes, NPs are nurses.tenkuky wrote: ↑Sun Oct 10, 2021 7:50 amMaybe you meant NPs and PAs.toofache32 wrote: ↑Sat Oct 09, 2021 11:28 pm Also, welcome to the new world. This is not much different than how doctors are being replaced with lesser experienced staff. Such as nurses.
Unlikely nurses are taking over physicians’ scope of practice.
- Sat Oct 09, 2021 11:28 pm
- Forum: Personal Finance (Not Investing)
- Topic: Hospital RN: pay range increase applied unfairly?
- Replies: 77
- Views: 10084
Re: Hospital RN: pay range increase applied unfairly?
Also, welcome to the new world. This is not much different than how doctors are being replaced with lesser experienced staff. Such as nurses.
- Sat Oct 09, 2021 11:23 pm
- Forum: Personal Consumer Issues
- Topic: I'm Ready to Buy a DashCam. Help me find some Options!
- Replies: 16
- Views: 2678
Re: I'm Ready to Buy a DashCam. Help me find some Options!
I have 3 Blackvue dashcams in my auto and 2 other family autos. Went through others and this is what I landed on as the best.
- Sat Oct 09, 2021 11:20 pm
- Forum: Personal Finance (Not Investing)
- Topic: Hospital RN: pay range increase applied unfairly?
- Replies: 77
- Views: 10084
Re: Hospital RN: pay range increase applied unfairly?
Hi all. I anticipate many well-intentioned comments along of the lines of "if you don't like it, look elsewhere." I get that. Looking for some actionable advice and mainly to gain perspective. My hospital system has a significant staffing problem right now in many specialties but especially RNs, like me. We received a company wide email a few days ago from the CEO saying that the pay range for RN was going through a "market adjustment." On my unit at least that means the whole pay range is increasing $2.20, or 7%. The problem is, the way they calculate this raise is the take the bottom of the pay range, add 50 cents per year licensed as an RN, and that's what you get. My wage happens to be above this amount due to exper...
- Fri Oct 08, 2021 9:30 am
- Forum: Personal Finance (Not Investing)
- Topic: Dental & Vision Insurance after 65 - best options?
- Replies: 60
- Views: 8189
Re: Dental & Vision Insurance after 65 - best options?
Google "non-covered services dental". All but 11 states have laws prohibiting dental insurance plans from restricting fees that the insurance is not even paying. You might be in one of the 11 states right now, but these are disappearing. If the insurance is not covering these benefits, then the finances are between the dentist and patient and the insurance has nothing to do with it. [/quote] Not sure I understand what you mean "restricting fees"? [/quote] An insurance company should not be able to tell your dentist what their fees should be when the insurance company is not even a party to the transaction. But in 11 states still, the dentist is still supposed to charge only the discounted insurance rates if the dentist ...
- Thu Oct 07, 2021 11:43 pm
- Forum: Personal Finance (Not Investing)
- Topic: Dental & Vision Insurance after 65 - best options?
- Replies: 60
- Views: 8189
Re: Dental & Vision Insurance after 65 - best options?
The value of a dental plan is that they have contracted rates with participating providers that are typically 20-50% lower than the charges you would normally pay. Over 65 year olds are by far the highest utilizers of dental services. But this is only for the (on average) $1200 of dental benefits per year. No, that would be a limit on what the plan will pay in benefits. The discount applies to any (in-network) services, it's not limited by the maximum benefits that are payable. Google "non-covered services dental". All but 11 states have laws prohibiting dental insurance plans from restricting fees that the insurance is not even paying. You might be in one of the 11 states right now, but these are disappearing. If the insurance i...
- Thu Oct 07, 2021 9:30 pm
- Forum: Personal Finance (Not Investing)
- Topic: Dental & Vision Insurance after 65 - best options?
- Replies: 60
- Views: 8189
Re: Dental & Vision Insurance after 65 - best options?
But this is only for the (on average) $1200 of dental benefits per year.PowderDay9 wrote: ↑Thu Oct 07, 2021 9:10 pm The value of a dental plan is that they have contracted rates with participating providers that are typically 20-50% lower than the charges you would normally pay. Over 65 year olds are by far the highest utilizers of dental services.
- Thu Oct 07, 2021 9:27 pm
- Forum: Personal Finance (Not Investing)
- Topic: Dental & Vision Insurance after 65 - best options?
- Replies: 60
- Views: 8189
Re: Dental & Vision Insurance after 65 - best options?
As someone who used to work in a VA dental clinic, benefits are only available for those designated as 100% service connection.arcticpineapplecorp. wrote: ↑Thu Oct 07, 2021 9:11 pm just found out there's dental for VA (Veterans Administration) members. Don't know if you are but thought i'd mention it. didn't know about this until recently.
- Thu Oct 07, 2021 9:01 pm
- Forum: Personal Finance (Not Investing)
- Topic: Dental & Vision Insurance after 65 - best options?
- Replies: 60
- Views: 8189
Re: Dental & Vision Insurance after 65 - best options?
I'm not sure why the astonishment here. Most doctors offices keep a few spots open for emergencies. An exam does not qualify as an emergency. Certain vision changes do. True story.michaelingp wrote: ↑Thu Oct 07, 2021 6:31 pmI was seeing stars once many years ago when I did certain movements. I called my eye doctor, just asked for an exam. They said the next appointment was 3 weeks away. I said, "Would it make a difference if I said I was seeing stars?" They said, "Sir, can you get here in 15 minutes?" True story.BarbBrooklyn wrote: ↑Thu Oct 07, 2021 4:51 pm Yes, true. But I realized that when a person in my office was delaying being seen when she saw "stars in my eyes" and needed to explain that wasn't vision care, it was medical care.
- Mon Sep 27, 2021 8:45 am
- Forum: Personal Finance (Not Investing)
- Topic: To be or not to be - MD vs Computer science
- Replies: 358
- Views: 33313
Re: To be or not to be - MD vs Computer science
Then you'd be wrong. Many people work after financial independence. In fact, I would argue nobody knows how much they're working for the money or not until they're FI. So people who work after financial independence are OK with not getting paid? That's my point. Everyone who works calculates the financial return. In volunteer positions it happens all the time. But when the money changes nothing about your life, it really doesn't matter much when you think about it logically. I highlighted the key word in my post above. Of course you can work after financial independence, but you don't HAVE to work. That's the entire idea behind financial independence. For the purposes of this discussion- there are significant differences between the concep...
- Sun Sep 26, 2021 10:39 pm
- Forum: Personal Finance (Not Investing)
- Topic: To be or not to be - MD vs Computer science
- Replies: 358
- Views: 33313
Re: To be or not to be - MD vs Computer science
I was thinking the same thing. If you're not motivated by money then you're stupid. Money fills your stomach with food, puts shelter over your head, and takes care of your kids. I'm willing to bet everyone here goes to work everyday for the same reason...so that someday they won't have to go to work. Then you'd be wrong. Many people work after financial independence. In fact, I would argue nobody knows how much they're working for the money or not until they're FI. So people who work after financial independence are OK with not getting paid? That's my point. Everyone who works calculates the financial return. In volunteer positions it happens all the time. But when the money changes nothing about your life, it really doesn't matter much wh...
- Sun Sep 26, 2021 10:20 pm
- Forum: Personal Finance (Not Investing)
- Topic: To be or not to be - MD vs Computer science
- Replies: 358
- Views: 33313
Re: To be or not to be - MD vs Computer science
So people who work after financial independence are OK with not getting paid? That's my point. Everyone who works calculates the financial return. While you may have other reasons, money is still a factor.White Coat Investor wrote: ↑Sun Sep 26, 2021 9:49 pmThen you'd be wrong. Many people work after financial independence. In fact, I would argue nobody knows how much they're working for the money or not until they're FI.toofache32 wrote: ↑Sun Sep 26, 2021 8:34 pm I was thinking the same thing. If you're not motivated by money then you're stupid. Money fills your stomach with food, puts shelter over your head, and takes care of your kids. I'm willing to bet everyone here goes to work everyday for the same reason...so that someday they won't have to go to work.
- Sun Sep 26, 2021 8:34 pm
- Forum: Personal Finance (Not Investing)
- Topic: To be or not to be - MD vs Computer science
- Replies: 358
- Views: 33313
Re: To be or not to be - MD vs Computer science
Hi All, I am advising a high school sophomore on deciding his career choice. He wants to go for either (1) a BS/MD option, which is very competitive or, (2) Computer science undergrad, then MD Good student, smart with very strong work ethic, good social skills, entrepreneurial, motivated strongly by money in making choices. Indian American. Will a medical degree in a strong specialty work to his motivation of making money? Or should he stick with CS and try to be an entrepreneur? vk22: We don't need doctors "motivated strongly by money in making choices." Please suggest other choices. Best wishes. Taylor Jack Bogle's Words of Wisdom: “I challenge the growing trend in our society to give numbers a credence that they simply don’t d...