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She paid husband's hospital bill. A year after his death, they wanted more money

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Re: She paid husband's hospital bill. A year after his death, they wanted more money

#131
post #17

Earlier quoted context omitted.

It’s not donations. It’s the fact that the largest employer in nearly every congressional district is a healthcare system. Heard this from a guy who worked on the ACA.

Even beyond employment, healthcare represents a ridiculous 18% of the US GDP these days.

Yep, the United States spends an outsized portion on it, but has some of the worst outcomes of any developed country.

Re: She paid husband's hospital bill. A year after his death, they wanted more money

#132

Earlier quoted context omitted.

I struggle how we can include that into GDP. It should be a number we are attempting to reduce not grow because its a massive tax on the citizens.

It’s a shadow tax that goes to decent-yet-useless $60–90k jobs to buy political influence. There’s no countervailing influence.

I'm reminded of the Terry Gilliam film Brazil.

Re: She paid husband's hospital bill. A year after his death, they wanted more money

#133
post #88
post #65

Earlier quoted context omitted.

Get the surgery, get notarized items from multiple docs, talk to a lawyer. Healthcare insurance doesn't get to dictate your healthcare directly. They aren't doctors, and open themselves up to liability if we don't push back.

.. and if that doesn't work out, go bankrupt.

Nah, you have rights in this situation[0]

[0] https://www.healthcare.gov/appeal-insurance-company-decision...

Re: She paid husband's hospital bill. A year after his death, they wanted more money

#134
post #65

Earlier quoted context omitted.

Get the surgery, get notarized items from multiple docs, talk to a lawyer. Healthcare insurance doesn't get to dictate your healthcare directly. They aren't doctors, and open themselves up to liability if we don't push back.

Woooofftt. That's bad advice and in an even worse order. There are a bunch of steps in between getting denied and just YOLOing it out of pocket. It looks like going through the insurance company's peer to peer process is probably going to work out. It is still a bit up in the air but its looking positive. We'd already started down the route of getting connected to lawyers in case it doesn't. I don't think "do it out…

Have yall looked into external review?

https://www.healthcare.gov/appeal-insurance-company-decision...

Re: She paid husband's hospital bill. A year after his death, they wanted more money

#135
post #133
post #88

Earlier quoted context omitted.

.. and if that doesn't work out, go bankrupt.

Nah, you have rights in this situation[0] [0] https://www.healthcare.gov/appeal-insurance-company-decision...

... and if that doesn't work, spend years in a stressful and time consuming legal battle.

Re: She paid husband's hospital bill. A year after his death, they wanted more money

#136
post #134

Earlier quoted context omitted.

Woooofftt. That's bad advice and in an even worse order. There are a bunch of steps in between getting denied and just YOLOing it out of pocket. It looks like going through the insurance company's peer to peer process is probably going to work out. It is still a bit up in the air but its looking positive. We'd already started down the route of getting connected to lawyers in case it doesn't. I don't think "do it out…

Have yall looked into external review? https://www.healthcare.gov/appeal-insurance-company-decision...

No offense, I appreciate the idea, but I'm not looking for suggestions. I only posted this here as an example of how the system is failing even for people with high quality insurance.

Re: She paid husband's hospital bill. A year after his death, they wanted more money

#137

To the hospital systems and insurance companies, the confusion is a feature, not a bug. They assume most patients and their families will just knuckle under and pay what they're told they owe. Since the health care sector is one of the largest political donors, elected officials have little incentive to fix anything, so they nibble at the edges and call it reform.

Absolutely. I work in HIT for small to medium size practices. We all know how badly insurance is treating us as patients, but what’s not as well known is how much they squeeze medical providers (example [1]). Hospitals and networks have the weight to navigate insurance, but small independent offices don’t and are also getting absolutely fucked over. In addition to staffing issues, rising operational costs, excessive…

You’re not joking.

There’s a major dental insurance carrier that finds it perfectly acceptable to “pay” dental offices with prepaid debit/credit cards. Think Greendot, Mastercard, or Visa prepaid cards.

I’m fairly certain my dentistry firm is fighting back in ways I’m not comfortable sharing because I don’t know any facts and would just be speculating, but I do hope they’re sticking it to them.

Re: She paid husband's hospital bill. A year after his death, they wanted more money

#138
post #134

Earlier quoted context omitted.

Have yall looked into external review? https://www.healthcare.gov/appeal-insurance-company-decision...

No offense, I appreciate the idea, but I'm not looking for suggestions. I only posted this here as an example of how the system is failing even for people with high quality insurance.

And I appreciate your story and empathize, which is why I am ensuring both you and others reading your story remember that folks finding themselves in your situation have rights that are less commonly exercised.

But I appreciate that it's a tough topic and not engage further. Good luck with it.

Re: She paid husband's hospital bill. A year after his death, they wanted more money

#139
post #135
post #133

Earlier quoted context omitted.

Nah, you have rights in this situation[0] [0] https://www.healthcare.gov/appeal-insurance-company-decision...

... and if that doesn't work, spend years in a stressful and time consuming legal battle.

Perhaps, at a pessimistic extreme. Exercise of rights is important. It's worth consulting a lawyer for assistance. Organizations occasionally need to be compelled to do the right thing.

Life isn't always easy or fair, but standing up for yourself is important as you are your best advocate.

Re: She paid husband's hospital bill. A year after his death, they wanted more money

#140

What baffles me are these people who constantly show up to defend the US health care system, when there is clearly a plethora of real end user testimony showing how detrimental it is to the health of most United States citizens. Maybe HN isn't the best site to discuss this on, I'm guessing most of you work for some large tech sector business that offers good insurance. But most of the world is not made up of tech wor…

Where are these > people who constantly show up to defend the US health care system that you're claiming exist? I don't see any of them.

Check gaulish further down in comments.
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