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On Mon, 15 Oct 2007, Rick wrote:
On Fri, 2007-10-12 at 17:28 -0500, Mike Miller wrote:
Another thing to worry about -- my insurance company was billed $3500
for my daughter's recent hospital stay (she's fine), but the hospital
said that the cost was $20,000. They aren't charging me a thing. The
point is, the hospital would charge an uninsured person $20,000 for the
same services that it charges my insurance company $3,500 for. The
insurance company has a lot of power and can force lower rates. So the
uninsured are rendered powerless and the hospitals will screw them,
badly, or not treat them at all.
That's the accountant's fault. They know perfectly well that they can
get the $3,500 from the insurance company, but if they charge the
insurance $20k, they won't get paid. Conversely, charging the individual
$20k means that they either: 1) get $20k, or 2) get to write-off $20k.
I think that is one reason for their high prices for the uninsured. But
this also means that hospitals will turn away people who could have paid a
reasonable prices because they can't pay the unreasonable price. Did you
watch "SiCKO" yet? There are some examples there.
Mike
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