Earlier quoted context omitted.
The "prices" are moves in a game played between hospitals and insurance providers, and don't correspond to anything real or to the amount that gets paid. If a hospital discovers that the patient doesn't have insurance they'll be charged the real (more reasonable) prices instead.
That used to be the case, but what I've experienced lately is the doctors will submit overpriced bill to insurance, insurance says, "oh you haven't hit your annual deductible yet," and passes the massively overpriced bill directly to me, no negotiation, no nothing. I've gotten so I just ask what the out of pocket cost is to pay cheaper (usually 1/2 price), and they still manage to hose me with extra services. It's a…
I wrote a negative Yelp review and it made my life a nightmare
171–180 of 268 posts
Re: I wrote a negative Yelp review and it made my life a nightmare
#172Earlier quoted context omitted.
That used to be the case, but what I've experienced lately is the doctors will submit overpriced bill to insurance, insurance says, "oh you haven't hit your annual deductible yet," and passes the massively overpriced bill directly to me, no negotiation, no nothing. I've gotten so I just ask what the out of pocket cost is to pay cheaper (usually 1/2 price), and they still manage to hose me with extra services. It's a…
you have a HDHP?
I want to protect from the hospital bills from something major though, like a car wreck. I'm not sure that those $50 copay per doctor visit right from the start are even available anymore. That's the insurance I had when I was a youngster.
Re: I wrote a negative Yelp review and it made my life a nightmare
#173Re: I wrote a negative Yelp review and it made my life a nightmare
#174Yelp doesn't seem to have brought a lot of a joy into anyone's life.
I visited Spain last summer and my family would typically just walk around where we were looking for a restaurant that seemed good, and almost always got stuck in tourist traps with bad Americanized food at high prices. When we started using Yelp to find places to eat we found little hole-in-the-wall tapas places with absolutely no American influence and amazing food that we still talk about to this day.
Their coverage is not uniform across different countries (Germany is not bad but still occasionally spotty) but it's a great filter of the crap restaurants.
Re: I wrote a negative Yelp review and it made my life a nightmare
#175Earlier quoted context omitted.
>Wow. That violates HIPAA law. The counter-sue is going to be huge. Basically an open and shut case too. Assuming they were smart enough to "correct" the mistake it may not be a Tier 4 ($50,000+) violation, but instead a Tier 3 violation ($10,000 - $50,000 per violation) of willful neglect. I'm not sure if each violation above would be considered a single large violation or multiple small violations ( 1 violation vs…
$20,000 is nothing for litigation these days. Most advise planning for a minimum of $50,000 or $100,000 to fight something out with a judge.
And that assumes that the lawyer isn't handling the case on contingency.
Generally, the reason people overestimate the costs of trials is because standard contingency fees are 30%-40% of judgements.
Re: I wrote a negative Yelp review and it made my life a nightmare
#176This particular case aside, I'm fairly certain that doctors in the United States perform unnecessary procedures all the time so that they can charge more, or drag out consultations across multiple visits to be able to charge independently for each visit. So I wouldn't be surprised if that's what happened here because it is so common. Medicine is a corrupt field full of overpaid doctors. Look at how much doctors make…
I have some weird issues that no one can seem to figure out, so when I go to the Dr's, they'll sometimes take the shotgun approach. If they know that the insurance company is going to give me flak for something, the Dr's put down whatever is needed for insurance to cover it.
One example was when I felt a pop in my jaw after eating something. Within a few minutes it hurt so bad that I passed out from the pain, and woke up an hour or so later. I went to the Dr's and had them do what they do. They did a bunch of tests and the Dr told me that he had to put down that I have "head pains" instead of "jaw pains" otherwise insurance wouldn't cover it.
I'm not huge on the idea and I'm sure I'm paying for it in one way or another. It is much better than paying thousands out of pocket 5+ times a year.
Re: I wrote a negative Yelp review and it made my life a nightmare
#177One thing that sticks to me when I read such articles (I am not from US) is how ridiculously pricey medical services are. Common, 1k$ for a regular exam that costs like 20euros in my country in private clinics?! And I read about this ridiculous prices US so often that I am dumbstruck that people are cool with it. Another thing that struck me is that if you don`t have money, evil people can just silence you by suing y…
> am dumbstruck that people are cool with it. Huge numbers, perhaps a majority, are not cool with it. We've had national elections fueled by the discontent. But at least so far the political configuration of that discontent, not the magnitude of it, has prevented progress on lowering the cost of health care.
Health insurance in this country suffers from kind of a legacy situation. It is sort of like how the qwerty keyboard is terribly inefficient, but most people continue to use it.
From what I have read, at some point health insurance was offered as a means to beef up compensation in a way that was tax friendly for employees, thus helping to entice better employees to come work for your company. This became kind of the standard default and typically covered the family, not just the employee.
This was considered a perk in a situation where most people whipped out their check book to pay for medical care because it was relatively reasonably priced. Then health insurance became kind of the default and it adds overhead and complexity. Obomacare was passed as the only politically viable solution and it's a terrible solution.
Health insurance coverage for basic services doesn't really make sense. Insurance only makes sense as a bet to defray unexpected expenses. When you use it cover annual exams and other basics that you know are guaranteed to happen, it essentially creates an unnecessary middleman, pushing prices higher without providing any real benefit for the cost involved.
This is where we are now and most people don't know how to get out of this mess. It doesn't help that Obamacare puts a gun to your head and insists that most people participate in this charade or be fined at tax time, in essence. Ugh.
Re: I wrote a negative Yelp review and it made my life a nightmare
#178Earlier quoted context omitted.
> "They posted my entire medical record, including notes about my mental health, my bills, my insurance info, my driver’s license, birth date and home address," We are hearing one side of the story here. HIPAA violations have teeth -- potentially 10 years imprisonment for intentional leaks for personal gain -- so a vindictive public action is highly unlikely, and certainly some lawyers would take the case on spec. Es…
Another user, Siphor, went through the documents in a response on another thread [0]. I think the second paragraph adds some important context, especially in regards to the accusations of Mr. Song committing insurance fraud. >The most damning thing in there was that the Doctor tested for HHV-6 (something 100% of humans have) and then charged for it and claimed it was HHV-2 (genital herpes). Theres apparently a lab te…
Re: I wrote a negative Yelp review and it made my life a nightmare
#179I was nodding along until this: > They posted my entire medical record, including notes about my mental health, my bills, my insurance info, my driver’s license, birth date and home address,” she said. wow. That violates HIPAA law. The counter-sue is going to be huge. Also, I had a related issue where a doctor threatened to sue based on my yelp review. I cut the review back to verifiable facts instead of opinion and…
Opinion is allowed, verifiable facts are allowed. False statements of facts are not.
Re: I wrote a negative Yelp review and it made my life a nightmare
#180Isn't a negative Yelp review protected by Freedom of speech? Inspite of that the lady had spent a fortune defending herself.