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New health insurance “transparency data” looks suspiciously wrong

dolthub.com

151–160 of 171 posts

Re: New health insurance “transparency data” looks suspiciously wrong

#151

We should compel these companies to comply. There should be fine a 1% of annual revenue for every day these companies are in non compliance with prison for the ceo if they are non compliant for over thirty days.

Author here. The problem is checking compliance. By publishing these files, they seem compliant, but really aren't. Since the payors are the guardians of the data, it's very difficult to check that what they're posting is correct. That was the main thrust of the article.

Re: New health insurance “transparency data” looks suspiciously wrong

#153

Earlier quoted context omitted.

I'm pretty sure the truth is a mix of malicious compliance and inability, but I'd weight it heavily in favor of malicious compliance, especially for the insurance data. Insurers know their costs, and when and why they pay specific charges. (My qualifications to make this statement: 15 years in healthcare IT, including UHG/Optum, and 8 years as CTO of a large clinical organization that included primary through tertiar…

I'm not so confident from my experience in healthcare IT, admittedly shorter than yours. One of the issues seems very telling, the fact that one of the listed rates from the insurer matched the portion paid to the radiologist but not the total. Problems with matching up different line items are really ubiquitous in healthcare systems because, despite the standardization that theoretically exists, there's huge variati…

It's a good point and ties in to the broader issue of opaqueness of reporting, especially now that we've empowered self-serve report generation. We can democratize data systems... but documenting them is a whole different level of effort.

> Sure, insurance companies ultimately know what they paid

It came to mind reading the above that a more accurate/useful perspective might be "The insurance companies' system knows what they are paid," but those system may comprise multiple software systems, none of which have data in compatible formats.

Ergo, even though the insurance company "knows" operationally (it can generate a number on request), it might be unable to generate a list of all numbers (effectively: every path through the system).

But that's why mandates work in insurance: if CMS pushes hard enough, eventually the insurers will develop the functionality.

Re: New health insurance “transparency data” looks suspiciously wrong

#154

I've asked the author for a copy of a correct csv or xlsx file, I'll share it if the author responds. https://imgur.com/a/bTmfDEU

The author has replied to me, and shared these great examples of transparent prices:

https://github.com/CMSgov/price-transparency-guide/tree/mast...

Along with this fantastic guide:

https://github.com/CMSgov/price-transparency-guide

I recommend them to anyone who wants to see good examples of price transparency.

Re: New health insurance “transparency data” looks suspiciously wrong

#155

Imagine a world where one entity received all the peoples medical bills and was incentived to negotiate for the lowest possible rate from each provider. Imagine the savings alone from reducing a massively overly bureaucratic and complicated system down to just one entity negotiating and paying the health service providers. Just imagine in that world this article would have never needed to have been written.

The provider of care gets paid "a reasonable amount". The care is provided. No bureaucratic nonsense. Sound ideal. Except... someone invents a novel care. They can choose to provide it "for a reasonable amount". But it can ONLY be provided by the entity paying "a reasonable amount". That entity has to make the call "novel care/old care". Old care is ALSO provided at a "reasonable amount" and has entrenched interests. There is no way that novel care wins. Without setting up an alternate system, or going OUTSIDE the system. Then, consumers of old care can see novel care and its benefits. They can then demand novel care. This happens within the American system, and the American system provides that "outsider status" to other systems (like the one we have in Canada). What does the Canadian system eventually go? Without sufficient external force, it is less expensive to provide MAID (medical assistance in dying) that actual healthcare. The current debate in Canada is whether mental illness is a sufficient trigger for MAID. Depressed? Best cure is death. And, yes, Canada has been mocked for that.

Re: New health insurance “transparency data” looks suspiciously wrong

#156
post #8
post #5

Earlier quoted context omitted.

"Never come between a man and his meal" playing out right here

Unfortunate that the man in this analogy is Hannibal Lecter (Silence of the Lambs, Hannibal is a violent psychopathic cannibal in that movie), and should be stopped from getting his meal. Insurance companies are a problem, and they've grown fat skimming a fair fraction of this nation's GDP for no observable value provided. Our healthcare system is more expensive and has on average worse outcomes than other first worl…

haha - don't tell that "fact" to any republicans...

none of my colleagues believe it (they also don't believe in human caused climate change or that ectopic pregnancies are unviable, all sorts of nonsense)

I'm waiting until we meet that great filter in the sky

Re: New health insurance “transparency data” looks suspiciously wrong

#157
post #106

This could have been much much easier if they just required the medical equivalent of certificate transparency. Every insurance company is required to post publicly every single claim they receive, the full information of the provider(s), the name/code of the plan, the billing codes, whether it was approved or denied, how much the insurance was billed, and how much insurance actually paid (where paid doesn't mean dis…

Completely agree. There are databases like this out there (All-Payer-Claims database) but they're extremely expensive (it would cost millions to get data for the entire US) and I have no idea why.

too bad that data hasn't been leaked which would actually be helpful for the US

Re: New health insurance “transparency data” looks suspiciously wrong

#158
post #101

Earlier quoted context omitted.

Companies can’t vote.

Companies are considered a person and legally have rights such as freedom of speech, can own property and enter contracts. They are allowed to spend as much as they want for votes due to their freedom of speech. Sure they can't directly vote but ever since like 2010 have a lot of human rights and I'm sure would love more. I would not be surprised if one day they could directly vote considering due to their rights. I…

The NHS also runs public propaganda campaigns.

Re: New health insurance “transparency data” looks suspiciously wrong

#159
post #101

Earlier quoted context omitted.

Companies can’t vote.

Why would they need to? Their lobbyists write the legislation and they finance the politicians who vote on it.

The NHS also does the same things.

Re: New health insurance “transparency data” looks suspiciously wrong

#160
post #77

Earlier quoted context omitted.

> but it's definitely eye opening just how malicious they made it As someone familiar with insurer, provider, and facility IT systems, I'd offer an alternate explanation -- the data is bad because healthcare IT is understaffed (and often incompetent). These are businesses that have squeezed most costs out, and IT is definitely a cost. Imagine banking... if there were much less competitive pressure and an inability to…

>> These are businesses that have squeezed most costs out, and IT is definitely a cost. What's the cost of an X-ray? Did you know they used to do a FREE X-ray at the shoe store back in the day to check fit? Yeah, don't tell me they squeezed out most of the cost.

They squeezed out most of the cost and gave the profits to healthcare administrators. Why did you think those savings would be delivered to the consumer (you)?

American healthcare not a free market.

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