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Reply #15: The bill is inflated to take the insurance company's role into account... [View All]

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candice Donating Member (1000+ posts) Send PM | Profile | Ignore Wed May-02-07 12:53 PM
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15. The bill is inflated to take the insurance company's role into account...
...it's the person who doesn't have insurance (and hence is not part of the game) who is charged the full amount. It's all a coding game. Some insurance simply gets the buyer the insurance rate, not the inflated rate. That's basically what I have used my high-deductible insurance for--the rate that Insurance companies negotiate.

But these companies add 1/3 to the medical business and make high profits. Single payer is the way to go. I found that my insurance company is being sued for non-payment. It makes 20 percent plus profit on individual accounts, but then fails to pay. Says the application had errors (and of course, they don't check!). There is plenty of money to buy politicians to thwart universal health care!


Hey, I had two surgeries and two high-level office visits (ten minutes apart) when I went to have my shoulder looked at. The two highest-level visits were the result of a brief wait to get the x-ray results while the doctor moved among three other patients. The two surgeries were the shot I got to anesthetize the area where the cortisone shot was to take place. That shot was the second surgery.

I was told to come back in two weeks and that surgery might be necessary if I didn't improve immediately. An assistant (I had seen two of them for a total of ten minutes--more than I saw the doctor) handed me a copy of some exercises to do. I had mentioned a bump on my upper hand that was the result of using a rowing machine. An x-ray was taken of that when I had my shoulder x-ray. The shoulder x-ray indicated the same pattern as my hand--calcium extruded from overuse. The bump on my hand had gone down by half, so I assumed that the calcium deposit near my rotator cuff would be absorbed as well (checked the internet for this info).

Fortunately, I ran into a woman who owns horses immediately after getting my shot. She warned me NOT to do the exercises, just to let the arm heal and continue to move it normally. A month to the day, the cortisone wore off and my shoulder froze again. The next day I got the $500 dollar bill (knocked down from the huge bill that the doctor charged).

Then I started gentle stretching exercise so my shoulder wouldn't freeze again. The calcium has been completely absorbed on my hand and in my shoulder. No surgery needed (that would have cost me thousands and might have damaged nerves).

As my regular doctor says, "Insurance clerks are practicing medicine without a license because they tell me what I can do with my patients."
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