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[–] o0shad0o 0 points 20 points (+20|-0) ago 

This is a damn good start but it's only halfway there.

The next step is to require insurers pay at least a large fraction of the posted price. Wait, wait, hear me out.

Part of the problem with medical costs is insurers keep negotiating larger and larger discounts on procedures while doctors and hospitals ramp up the prices. By requiring insurers pay, say, at least 85-90% of the price offered to the public, those insurers will tell the doctors/hospitals to either drop their prices or have the insurers drop them from their network. In this way fairer prices will be negotiated, and people who are uninsured won't have hospital bills an order of magnitude greater than the insurance companies would have paid.

[–] Mr_Wolf 0 points 7 points (+7|-0) ago 

Been cheaper for me to claim no insurance for hospital visits.

With insurance I'll see stupid charges like $1,500 walk in fee, assorted waiting fees, seperate bills from doctors acting as "contractors" along with various assorted other charges.

By the time everything is said and done I'm paying 2 to 3 times as more than claiming no insurance. Ask for an itemized bill or any attempt at negioating is met with brutal hostility. I've had bills sent directly to hostile and predatory collection agencies that will just take you to court if you question anything. At that point you seriously need an attorney because they play dirty. You'll get "served" by the attorney, but chances are they just tossed the notice in your yard. Go to court to challenge it because lets say your insurance paid in full and there was an actual error. You'll get a second court date but the clerk issues them at the end of the day and its the collection agencies attorneys responsibility to get you that court notice. If they know they'll lose they just wont inform you, then file for new court dates.

Theres a hospital in my state thats has a class action against it for shady predatory billing practices. Some family, coworkers, friends, and myself have dealt with their bullshit.

[–] Vvswiftvv17 0 points 1 points (+1|-0) ago 

This happened to us! (I've ranted about this on here before, and I will continue to rant about it until well into my old age) We were "served" but never received the notice. Our case went to court where a judgement was found against us. We had no idea. I only found out when I went to get my paycheck and I was short $700. I called HR and they showed me the court order...I was like, what the hell? I called an attorney and he was like, "yeah, you just got roboserved by the most notorious medical collection agency". They also hit my husbands check. The kicker was it was a medical bill that was SUPPOSE to be mostly covered by the insurance we purchased on the damn Obummer Marketplace. Assholes. We didn't have money to pay our rent so we were evicted. I had a 2 year old and a 3 month old baby. Fuckng Obamacare literally made us homeless. Fuck anyone who dares to try and sell me on nationalized healthcare, I will throat punch you.

[–] CuriosityOnFire 3 points -1 points (+2|-3) ago 

Then you should negotiate before

[–] AlienEskimo 0 points 3 points (+3|-0) ago 

It would help if all contracts were public, yes?

[–] o0shad0o 0 points 1 points (+1|-0) ago 

I don't think that'd accomplish much, actually... I'm okay with transparency, especially in institutions that are government funded in part or whole.

[–] Thisismyvoatusername 0 points 1 points (+1|-0) ago 

That’s true. But a very fundamental issue is that medical insurance isn’t really normal insurance. One insures against emergency expenses one may not have the savings to absorb. One doesn’t buy insurance to then use it to pay for normal expenses one would incur anyway. I don’t think our system will change quickly, but making insurance more rational, not requiring people to buy it and not requiring it to cover all sorts of bullshit things may help. Insurance should be for emergency and long term issues, not every visit and check up.

[–] o0shad0o 0 points 0 points (+0|-0) ago 

I think you should be allowed to have a choice about your level of insurance, and not required by government to do so. But there's a concept called "self-insurance", where if you have enough savings you might take the risk of having to pay a large bill. But the way things are, the "large bill" wouldn't be on the order of a hundred months worth of payments, like the insurer would have to pay; it'd be in the thousands of months worth of payments, which is just silly.