Earlier quoted context omitted.
The whole time I was reading this, as someone from the U.S., I was wondering what country the writer was from, because it sure as #$@! wasn't written by someone in the U.S. When I got to that part, I was, "Oh. Okay. That makes sense."
In the US, you'll be billed the maximum out of pocket for your health insurance whether your little one is in the ICU for months or whether it was a easy delivery though, so at least birth is a predictable medical expense.
Using AI to negotiate a $195k hospital bill down to $33k
911–920 of 954 posts
Re: Using AI to negotiate a $195k hospital bill down to $33k
#912I 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…
The other side of this is that your LLM interaction can be leveraged to train adversarial models that find ways to still deny or delay your claim despite your LLM-advised actions. Insurance companies, or the companies they pay to launder their involvement, would pay a lot more for that than the public would be able to.
Re: Using AI to negotiate a $195k hospital bill down to $33k
#913Earlier quoted context omitted.
Well then as long as the kids don't need housing or books or food or to pay the other fees they'll be set. Luckily those are all optional
They in fact differ wildly between students and between colleges! UIC and NIU are commuter universities where students generally don't live on campus. Students at UIUC live in campus-provided housing for their first year, but not generally for subsequent years. Everybody , whether they're in school or not, pays for housing. So no, the cost comparison you're offering here is not very useful. Shortly later I also think…
Re: Using AI to negotiate a $195k hospital bill down to $33k
#914I 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 was under the impression that if you were to go to an emergency room, life saving surgery would be scheduled regardless of who is paying (or not paying), due to EMTALA. I can't imagine a hospital waiting for an insurance company's approval to pay for a procedure to schedule a child's life saving surgery. Is this incorrect?
yep
because "life-saving" isn't a single well-defined boolean condition that can be determined by ER staff as part of triage
> I can't imagine a hospital waiting for an insurance company's approval to pay for a procedure to schedule a child's life saving surgery.
then I guess you've never dealt with major health issues like cancer, blood disease, etc. etc. because what you're describing here happens all the time
Re: Using AI to negotiate a $195k hospital bill down to $33k
#915Earlier quoted context omitted.
Doubters say it's not as accurate or could hallucinate. But the thing about hiring professionals is that you have to blindly trust them because you'd need to have a professional level of knowledge to qualify who is competent. LLMs are a good way to double check if the service you're getting is about right or steer them onto the right hypothesis when they have some confirmation bias. This assumes that you know how to…
All these things are language parsing and transforming. That's the kind of thing llms are good at.
Re: Using AI to negotiate a $195k hospital bill down to $33k
#916Earlier quoted context omitted.
> I am saying you have to understand the revealed preference vs what people tell you. And what they're saying is that this isn't just an indication of how awesome the US is compared to other places, but also of how averse Americans are to learning other languages compared to other people.
Very uncharitable way to phrase that, American second language prevalance is similar to other English dominant countries like the UK or the Australia. Americans in general don't speak as many languages as Europeans because they already speak arguably the most useful language. I've lived in 20 countries, and in every single one for them I've been able to find someone who speaks English. People are so ingrained with th…
No. Yours is uncharitable because it has got nothing to do with how many languages you speak. This is not a multiglot competition. The only point being made is that someone with a fair amount of American exposure will have a head start emigrating to America compared to say an American to Latvia. Or France. Or Germany. Just on the language front in isolation/alone.
> Americans in general don't speak as many languages as Europeans because they already speak arguably the most useful language. I've lived in 20 countries, and in every single one for them I've been able to find someone who speaks English. People are so ingrained with the need to know the language that I've actually met people who are embarrassed about their English talking to me in their own native country.
Here’s an alternative explanation. These people were so gracious and willing to communicate with you, a foreigner, that they were flustered and embarrassed that their command of the English language did not allow them to express themselves as clearly as they could. Or maybe they were really just embarrassed to have insufficient command of the Master Language, I don’t know, maybe your version is correct.
> If you grew up speaking Greek, Romanian, or even something like Italian, this absolutely would not be true. Maybe you could find a person or two to talk to, but definitely not dozens casually in everyday situations. So you have to learn multiple languages by necessity. And since European countries are so small, close together and all have their own languages, you also end up picking up your neighbors languages.
For someone having lived in twenty countries you seem as wordly as a North Dakotan having travelled abroad three times. All to Winnipeg.
Re: Using AI to negotiate a $195k hospital bill down to $33k
#917Earlier quoted context omitted.
Very uncharitable way to phrase that, American second language prevalance is similar to other English dominant countries like the UK or the Australia. Americans in general don't speak as many languages as Europeans because they already speak arguably the most useful language. I've lived in 20 countries, and in every single one for them I've been able to find someone who speaks English. People are so ingrained with th…
> Very uncharitable way to phrase that, American second language prevalance is similar to other English dominant countries like the UK or the Australia. No. Yours is uncharitable because it has got nothing to do with how many languages you speak. This is not a multiglot competition. The only point being made is that someone with a fair amount of American exposure will have a head start emigrating to America compared…
I was referring to this specific part of the comment I replied to: "Americans are averse to learning languages as opposed to other people". My response is a very accurate explanation of the reasons why this is a) an unfair way of looking at things, and b) not unique to Americans. What aspect of my response is uncharitable? I'm not saying things should be one way or another, just explaining how they are.
"Here’s an alternative explanation. These people were so gracious and willing to communicate with you, a foreigner, that they were flustered and embarrassed that their command of the English language did not allow them to express themselves as clearly as they could. "
The situation I described has occurred to me more then once, even after I tried to communicate in the local language. English speaking is a flex in a lot of the world and poor English is embarrassing. The desirability and prevalance of English may upset you, but it is objectively true. You can get English teaching jobs and find plenty of English speakers all over the planet. The same is not true for any of the other languages I mentioned in my post.
"For someone having lived in twenty countries you seem as wordly as a North Dakotan having travelled abroad three times. All to Winnipeg"
Lmao, why are you so angry? I grew up in Australia and south east asia.
Re: Using AI to negotiate a $195k hospital bill down to $33k
#918Earlier quoted context omitted.
Well it was a democratic republic. Now it is an electoral autocracy. He fixed it so good those christians will never have (or be able) to vote again. Just like he said he would. A Republic where the representatives are chosen by a popular vote are still democracies.
The representatives are chosen by the Electoral College, not the popular vote. The U.S. is not a democracy.
Re: Using AI to negotiate a $195k hospital bill down to $33k
#919Earlier quoted context omitted.
I have money and it still sucks. Perhaps you're thinking of billionaire money?
How much money and how does it suck? At ~$250k TC I get better care than I could in any of the socialized systems. Concierge care, advanced treatments if I want/need them, out of pocket max that is easily affordable, etc
Can you elaborate on concierge care? I have never heard of anyone in tech around or below that compensation receiving https://wikipedia.org/wiki/Concierge_medicine
Re: Using AI to negotiate a $195k hospital bill down to $33k
#920Earlier quoted context omitted.
> $30-40k debt for a new graduate of an average university sounds crazy expensive to virtually everyone outside of the USA That's the cost over 4 years. Most people will be able to get financial assistance to help pay for that and you easily manage to make 30k (or less with grants) in 4 years to pay for school. People making below 35k per year are going to pay practically zero taxes. You can work about 15 hours a wee…
There are aptitude tests of some kind and quotas for all good universities everywhere in the world. Harvard won't admit 100k students in a year if they randomly decide to join, nor will they accept a student without a stellar record (apart from legacy admissions, of course). And I would bet you whatever you want that you'll get a much better salary fresh out of college in Europe with a bachelor's from the Technical U…