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Using AI to negotiate a $195k hospital bill down to $33k

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Re: Using AI to negotiate a $195k hospital bill down to $33k

#791

Post by frikskit »

trollbridge wrote: post #743
frikskit wrote: post #726

Earlier quoted context omitted.

Net migration US/Ireland is positive to Ireland. UK numbers yes, though maybe gloomy weather plays a role? Just kidding. That said, Brits are slightly more likely to move to Spain than US despite it being a tiny country in comparison and not necessarily easier to move to after Brexit. Spain, not sure. It’s tricky to compare since non immigrant Spanish speaking population in US is probably significantly lower than Spa…

America has around 42 million fluent Spanish speakers (based on # that speak Spanish at home). Spain’s entire population is 48 million. I have never met an American that migrated to Spain.

Well America is pretty freaking cool, so I guess I don’t blame them.

Re: Using AI to negotiate a $195k hospital bill down to $33k

#792

Post by rootusrootus »

diob wrote: post #671
magicalhippo wrote: post #422

Earlier quoted context omitted.

Relative recently had their baby come several months early. The baby needed intensive care for a couple of months, and breathing support (CPAP) for another two. Mom lived at the hospital hotel for the duration. Baby got regular inspections of the heart, lungs and eyes (too much oxygen in the blood can lead to problems with the cornea or something), including after checkout. They got billed exactly zero. Both parents…

A lot of folks are looking at the higher US comp but aren't correctly pricing in the long-term risk. You can be fine for years, but a single, major medical event can zero out those salary gains and lead directly to bankruptcy. It's a systemic flaw that isn't obvious until it's your turn to deal with it.

You can use the difference in comp to buy a Cadillac level plan with zero deductible, zero out of pocket max. You won’t be going bankrupt.

Re: Using AI to negotiate a $195k hospital bill down to $33k

#793

Post by tomhow »

86769928329709 wrote: post #761
onli wrote: post #443

Earlier quoted context omitted.

Careful there, thats a rightwing propaganda point. Immigration into an aging society does not raise healthcare costs, it lowers it. See https://archive.is/XxfTH (and note that this is a NZZ article, a right-wing publication by now, so not slanted towards being immigration friendly).

[flagged]

> Of course, far-left demagogues like you would advocate for flooding a country with uneducated criminals

We've obviously banned this account. Please stop registering accounts just to keep breaking the guidelines. It's boring and a waste of everyone's time.

Re: Using AI to negotiate a $195k hospital bill down to $33k

#795

Post by im_down_w_otp »

rootusrootus wrote: post #792
diob wrote: post #671

Earlier quoted context omitted.

A lot of folks are looking at the higher US comp but aren't correctly pricing in the long-term risk. You can be fine for years, but a single, major medical event can zero out those salary gains and lead directly to bankruptcy. It's a systemic flaw that isn't obvious until it's your turn to deal with it.

You can use the difference in comp to buy a Cadillac level plan with zero deductible, zero out of pocket max. You won’t be going bankrupt.

This helps with the denials how exactly?

You can pay a lot of money in premiums, have a $0 deductible, and now OoP maximum, and still end up having claims denied.

Re: Using AI to negotiate a $195k hospital bill down to $33k

#796

Post by runako »

candiddevmike wrote: post #26
xnorswap wrote: post #16

Earlier quoted context omitted.

It seems pretty messed up when a $30k bill is written up like a big win.

Their brother presumably didn't have insurance, and it sounds like some pretty major procedures involving specialists, equipment, and hospital intake. While the outcome was horrible, all of those people need to get paid for the services rendered somehow if we want folks in the US to continue receiving this standard of care.

> While the outcome was horrible, all of those people need to get paid for the services rendered somehow if we want folks in the US to continue receiving this standard of care.

Food for thought:

- this approach produces systemic outcomes that are worse and cost more than other approaches

- there are lots of ways for people to get paid to provide medical care. Medical professionals do not work for free in other countries, and they buy the same equipment and drugs from the same suppliers as Americans do.

- we are allowed to look at how other countries have solved this problem without hitting people with giant medical bills. We are allowed to apply those solutions here.

- the US standard of care is overall not particularly high in the global rankings. We may decide that we don't want to continue providing this standard of care, we may decide we want to be in the top 10 globally.

Re: Using AI to negotiate a $195k hospital bill down to $33k

#797

Post by 15155 »

im_down_w_otp wrote: post #795
rootusrootus wrote: post #792

Earlier quoted context omitted.

You can use the difference in comp to buy a Cadillac level plan with zero deductible, zero out of pocket max. You won’t be going bankrupt.

This helps with the denials how exactly? You can pay a lot of money in premiums, have a $0 deductible, and now OoP maximum, and still end up having claims denied.

Do you think countries with even the most coveted universal healthcare just approve everything blindly?

Should everyone (anyone?) receive monoclonal antibodies, gene therapies, biologic medications? What criteria should be used to make these determinations?

Re: Using AI to negotiate a $195k hospital bill down to $33k

#798

Post by phyzix5761 »

chrisgeleven wrote: post #245

I fought insurance over this past summer after they declined covering a life saving surgery for my 6-year-old child at the last minute. We were in despair that my child's life was at risk each day we waited because of insurance incompetence. ChatGPT literally guided me through the whole external appeal process, who to contact outside of normal channels to ask for help / apply pressure, researched questions I had, hel…

I'm curious, where do you live that denies a child a life saving surgery just because insurance won't cover it? Because in the US there's laws against that.

Re: Using AI to negotiate a $195k hospital bill down to $33k

#800

Post by necovek »

magicalhippo wrote: post #422
chrisgeleven wrote: post #245

I fought insurance over this past summer after they declined covering a life saving surgery for my 6-year-old child at the last minute. We were in despair that my child's life was at risk each day we waited because of insurance incompetence. ChatGPT literally guided me through the whole external appeal process, who to contact outside of normal channels to ask for help / apply pressure, researched questions I had, hel…

Relative recently had their baby come several months early. The baby needed intensive care for a couple of months, and breathing support (CPAP) for another two. Mom lived at the hospital hotel for the duration. Baby got regular inspections of the heart, lungs and eyes (too much oxygen in the blood can lead to problems with the cornea or something), including after checkout. They got billed exactly zero. Both parents…

> too much oxygen in the blood can lead to problems with the cornea or something

You are likely thinking of ROP (retinopathy of prematurity, where retina starts detaching due to prolonged stay in the incubator).

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