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bluesbassman

(19,369 posts)
Mon Mar 16, 2015, 05:23 PM Mar 2015

Want to know why we're screwed regarding healthcare?

Had a sinus infection week before last and had a show to that weekend so I needed an antibiotic fast. Went to the local Urgent Care, was in there for about 20 minutes. Doc saw me for all of 5 minutes. Agreed with my opinion that it was a sinus infection and prescribed the antibiotic (I had had a sore throat, so he did a throat culture to rule out strep).

Got the bill today:

Urgent Care: $316.00
Lab: $63.00
Physician: $285.00
Total $664.00

Six hundred and sixty four dollars for what was an extremely routine office visit. Granted, it was urgent care so I can see a small premium for that service, but that is just outrageous for that kind of health care. Don't even want to think about what the bill would've been had I been seriously ill.

We truly need health care reform from top to bottom.

113 replies = new reply since forum marked as read
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Want to know why we're screwed regarding healthcare? (Original Post) bluesbassman Mar 2015 OP
Did you have insurance? I just noticed my son's last bill pnwmom Mar 2015 #1
No insurance. bluesbassman Mar 2015 #4
It's not too late to look at what's offered on the exchanges and change your mind. pnwmom Mar 2015 #18
Subsidies don't work for self-employed people BrotherIvan Mar 2015 #105
They aren't junk insurance, at least in general. My son has a good one. pnwmom Mar 2015 #106
Yes, I hate my insurance and can't find better that's affordable BrotherIvan Mar 2015 #107
He needed a certain prescription last year that cost more per month pnwmom Mar 2015 #108
I hope you have a catastrophic health insurance plan at the very least. Revanchist Mar 2015 #37
+1 lovemydog Mar 2015 #93
Premiums are not to exceed 9% of your income. You should have gotten a policy. TheNutcracker Mar 2015 #50
Since you refuse to get insureace, go to CVS pharmacy, if they have one in your area. Agnosticsherbet Mar 2015 #79
We wouldn't tolerate buying bread and milk this way HereSince1628 Mar 2015 #5
But yet we do justalovebug Mar 2015 #11
But NOT in the same store. HereSince1628 Mar 2015 #13
In Big Y if I don't have my big y savings card to scan I pay more justalovebug Mar 2015 #15
But you sign up FOR FREE...and CAN DO IT AT THE CHECK OUT HereSince1628 Mar 2015 #16
Just the basic one is free justalovebug Mar 2015 #22
The poor have Medicaid. Our system is the best we have had in years yeoman6987 Mar 2015 #30
Depends on where you are. Erich Bloodaxe BSN Mar 2015 #42
SOME of the poor have medicaid HereSince1628 Mar 2015 #56
True. I should have said some. yeoman6987 Mar 2015 #72
Horseshit malokvale77 Mar 2015 #84
No it doesn't work that way yeoman6987 Mar 2015 #87
What you don't understand... malokvale77 Mar 2015 #90
why no suits under the equal protection clause? elehhhhna Mar 2015 #38
Because there is no law that says all people must be charged the same pnwmom Mar 2015 #67
Uninsured people usually get a discount herding cats Mar 2015 #7
Insured people automatically get the standard discount that the insurance pnwmom Mar 2015 #20
Huh, I never requested it in all those years. herding cats Mar 2015 #89
Actually, lancer78 Mar 2015 #109
Mostly all prescribed drugs should be over the counter justalovebug Mar 2015 #2
I didn't even mention that in the OP. $58 for generic amoxicillin. bluesbassman Mar 2015 #8
Have to disagree with you about prescription drugs YarnAddict Mar 2015 #27
People don't do that now with overthe counter drugs justalovebug Mar 2015 #31
"You know when you have an infection or not" but how do you know if it is bacterial or uppityperson Mar 2015 #32
you got me on that justalovebug Mar 2015 #36
So is this the kind, gentler side? uppityperson Mar 2015 #43
I'm a love bug justalovebug Mar 2015 #45
But not a March love bug? uppityperson Mar 2015 #47
All year round justalovebug Mar 2015 #51
And what about the other one who I have seen so much of recently? uppityperson Mar 2015 #52
Not always YarnAddict Mar 2015 #39
"You know when you have an infection or not." Not necessarily. WillowTree Mar 2015 #46
well, since antibiotics have always been prescription-only, i wonder how we got in ND-Dem Mar 2015 #48
My doc once admitted to me YarnAddict Mar 2015 #61
i don't have much sympathy. ND-Dem Mar 2015 #70
It is a doctor-caused problem. JimDandy Mar 2015 #62
Actually, patients often raise a stink if they don't get a prescription. Hoyt Mar 2015 #73
Any doctor prescribing an antibiotic when not necessary JimDandy Mar 2015 #74
Unreasonable patients are also part of the problem. And there are lots of them. Hoyt Mar 2015 #75
I don't know why you are pushing the ridiculous 'the patient is part of the problem'... JimDandy Mar 2015 #85
You're right and wrong elias7 Mar 2015 #95
By all means. malokvale77 Mar 2015 #88
Anybody can go to the Farmer's Co-Op and buy bvar22 Mar 2015 #110
where is the farmers co-op? i've never seen one. ND-Dem Mar 2015 #112
Any Feed Store will do. bvar22 Mar 2015 #113
I hope your gig paid enough to cover it.... panader0 Mar 2015 #3
Nah, just a dive bar gig. bluesbassman Mar 2015 #9
Really? They let you walk out the door without paying and billed you two weeks later? notadmblnd Mar 2015 #6
They wouldn't tell me up front what the charges were going to be, or even when I left. bluesbassman Mar 2015 #10
When I had throat surgery it was crazy sitting down justalovebug Mar 2015 #12
I probably should've done that, but at that point I didn't have any viable options. bluesbassman Mar 2015 #14
Please check out bronze plans from the providers in your state. pnwmom Mar 2015 #21
It's better that you didn't justalovebug Mar 2015 #26
I avoid the blood sucking leeches whenever possible. JEB Mar 2015 #17
If you had insurance, I bet you would be responsible for about $200. Hoyt Mar 2015 #19
Right. The ACA has fixed some of the problems the OP is talking about. pnwmom Mar 2015 #23
I have looked into it. bluesbassman Mar 2015 #60
It's your gamble! Good luck with that. B Calm Mar 2015 #63
Are you saying that, even with whatever subsidy you could get, pnwmom Mar 2015 #65
It's the catastrophic that matters most. lovemydog Mar 2015 #94
but someone still pays for/gets paid for the rest. that's as big a problem as the ND-Dem Mar 2015 #49
No, the provider has to write off the rest of their inflated charge, if one is insured. Hoyt Mar 2015 #57
depends on the charge. but as a rule, they don't. ND-Dem Mar 2015 #69
You are wrong. The insurer's allowable governs, as long as you use an in network provider. Hoyt Mar 2015 #71
Not true. The same thing happens with Medicare. pnwmom Mar 2015 #66
but someone still gets more, e.g. drug companies. and that's the real problem. ND-Dem Mar 2015 #68
snark. generic amoxicillin doesn't cost $58 no matter who's paying for it Doctor_J Mar 2015 #59
In the US... sendero Mar 2015 #24
Are you sure you were seen by a physician? COLGATE4 Mar 2015 #25
Your insurance will pay most of it yeoman6987 Mar 2015 #28
He states in a comment up top that he doesn't have insurance. Erich Bloodaxe BSN Mar 2015 #33
Well for goodness sake. No wonder they are paying full price yeoman6987 Mar 2015 #35
Well, yes and no. Erich Bloodaxe BSN Mar 2015 #40
With a lower income he'd probably be eligible for a large subsidy. pnwmom Mar 2015 #54
False sense of invincibility? bluesbassman Mar 2015 #82
It is false to think that your health so far predicts your health in the ensuing decades. pnwmom Mar 2015 #83
Some clinics like that one are set up like an emergency room Major Nikon Mar 2015 #29
I think you got seriously screwed over. Erich Bloodaxe BSN Mar 2015 #34
My son's trip to an urgent care resulted in no charge at all. pnwmom Mar 2015 #55
Same with ours and we're on a cheap silver plan. B Calm Mar 2015 #64
I didn't have any 'in-network' places close enough. Erich Bloodaxe BSN Mar 2015 #98
There are two states -- I believe Maryland is one -- that legally require pnwmom Mar 2015 #99
I'm in a state with a Republican governor, an overwhelmingly Republican state legislature Erich Bloodaxe BSN Mar 2015 #100
sorry you don't have healthcare marlakay Mar 2015 #41
Wow. That's steep! My daughter's boyfriend had strepthroat and we went to Urgent Care BlueCaliDem Mar 2015 #44
Aren't you out here in the Bay Area? KamaAina Mar 2015 #53
healthcare stocks are through the roof Doctor_J Mar 2015 #58
This is an excellent example of how and why this is over priced…. midnight Mar 2015 #76
Probably something like $10 in Europe, just so there is a co-pay to eliminate 'free goods' problem on point Mar 2015 #77
If there is a next time and if there's a Minute Clinic (or equivalent) in your area, go there dflprincess Mar 2015 #78
CVS Pharmacy has a similar program. Agnosticsherbet Mar 2015 #80
Sickening OBblueMeanie Mar 2015 #81
How much did the insurance pay (years ago-before ACA) on your first surgery? B Calm Mar 2015 #92
It's just great abelenkpe Mar 2015 #86
My local clinic has been crappy for a long time daredtowork Mar 2015 #91
I agree; the ACA is NOT health care. alarimer Mar 2015 #96
Negotiate for a lower bill, bluesbassman!!! Lars39 Mar 2015 #97
Single Payor MrMickeysMom Mar 2015 #101
We have entrenched the concept of for profit healthcare even further. NCTraveler Mar 2015 #102
Ayup! BrotherIvan Mar 2015 #111
What do you think people who spend years upaloopa Mar 2015 #103
Message auto-removed Name removed Mar 2015 #104

pnwmom

(108,973 posts)
1. Did you have insurance? I just noticed my son's last bill
Mon Mar 16, 2015, 05:30 PM
Mar 2015

had almost half the total discounted right off the top, as per the insurance company's agreement with the provider. (We will have to pay the rest as we're still in the deductible.)

And when my son used the nearby urgent care, insurance covered the whole thing. (To encourage people to go there instead of the E.R.)

But if you don't have insurance you are paying premium prices for everything.

bluesbassman

(19,369 posts)
4. No insurance.
Mon Mar 16, 2015, 05:35 PM
Mar 2015

Self employed and with the amount of times I get sick it's not cost effective to pay $3,000 in premiums and have to cover a $6,000 deductible, so even with insurance I'd still be paying the $664 out of pocket one way or another.

pnwmom

(108,973 posts)
18. It's not too late to look at what's offered on the exchanges and change your mind.
Mon Mar 16, 2015, 06:01 PM
Mar 2015

They just re-opened the exchanges for a little while.

Unfortunately, your past history of how much you've gotten sick isn't predictive of what could happen in the future. Or you could get hit by a car.

Also, I don't think you've looked at the exchanges, because a $6,000 deductible would be very high. That's usually the maximum out-of-pocket for a whole year, which is a different thing.

And like I said, if you were paying $100 a month or so for a subsidized insurance plan, then you would get that plan's rates, not the higher non-insured rate. So that initial bill wouldn't be over $600, it would likely be much less.

BrotherIvan

(9,126 posts)
105. Subsidies don't work for self-employed people
Tue Mar 17, 2015, 12:40 PM
Mar 2015

I have a silver plan. My preminum goes up every four months and is currently $379. I have a $6900 deductible. The exchange plans are basically junk insurance.

pnwmom

(108,973 posts)
106. They aren't junk insurance, at least in general. My son has a good one.
Tue Mar 17, 2015, 01:04 PM
Mar 2015

I'm sorry yours isn't working out for you though. I know it is hard to budget when income doesn't come regularly.

BrotherIvan

(9,126 posts)
107. Yes, I hate my insurance and can't find better that's affordable
Tue Mar 17, 2015, 01:37 PM
Mar 2015

It goes up every quarter and they are shrinking the network on purpose to squeeze people. It also does not work out of state and for a person who travels all the time, that is just stupid. Glad your son likes his.

pnwmom

(108,973 posts)
108. He needed a certain prescription last year that cost more per month
Tue Mar 17, 2015, 02:15 PM
Mar 2015

than his monthly premium, and they paid it without giving him any trouble. So we've been impressed so far.

But I'm sorry it's not working out for everyone.

Revanchist

(1,375 posts)
37. I hope you have a catastrophic health insurance plan at the very least.
Mon Mar 16, 2015, 06:30 PM
Mar 2015

Although I agree with the other posters about looking into a bronze plan. You may be complaining about a $664 bill today but that's nothing compared to what a hospitalization can cost you without any insurance.

Agnosticsherbet

(11,619 posts)
79. Since you refuse to get insureace, go to CVS pharmacy, if they have one in your area.
Mon Mar 16, 2015, 10:35 PM
Mar 2015

You can see a nurse practitioner who would prescribe the same thing for a fraction of the cost.

Otherwise, go to healthcare.gov, or your state exchange. They do have reasonable cost of insurance depending on your income.

HereSince1628

(36,063 posts)
5. We wouldn't tolerate buying bread and milk this way
Mon Mar 16, 2015, 05:37 PM
Mar 2015

I can't see how laddered pricing in this way reflects anything close to equal treatment in the pricing of 'essential' services.

One price for all by the provider. PERIOD

 

justalovebug

(41 posts)
11. But yet we do
Mon Mar 16, 2015, 05:45 PM
Mar 2015

I can go to three grocery stores in my city and see the same brand milk and bread priced differently

HereSince1628

(36,063 posts)
13. But NOT in the same store.
Mon Mar 16, 2015, 05:52 PM
Mar 2015

I accept that overhead costs can cause pricing to vary between providers. But the cost to the provider for services rendered is EXACTLY the same whoever is served in a unit of time.

This is simply immoral, to charge the poor MORE because they aren't in an insurance pool.

WE ARE ALL IN THE SAME FUCKING POOL

 

justalovebug

(41 posts)
15. In Big Y if I don't have my big y savings card to scan I pay more
Mon Mar 16, 2015, 05:58 PM
Mar 2015

It says it right on the tags under sale items. This price with card this price without.


It's just a small example mind you but it happens in that chain grocery store

Erich Bloodaxe BSN

(14,733 posts)
42. Depends on where you are.
Mon Mar 16, 2015, 06:35 PM
Mar 2015

Remember that states get to screw around with medicaid, and not all states were accepting the expansions last I heard.

malokvale77

(4,879 posts)
84. Horseshit
Mon Mar 16, 2015, 11:57 PM
Mar 2015

I'm paying so others can get tax subsidized insurance.

I don't make enough to get subsidized insurance, much less full priced insurance.

I am however having money taken from my tax return to help you get insurance. Really?

If I'm going to have to pay in taxes, don't you think I should get some fucking healthcare.

 

yeoman6987

(14,449 posts)
87. No it doesn't work that way
Tue Mar 17, 2015, 12:18 AM
Mar 2015

Choice is you pay for healthcare or you pay fine. It sounds like you chose to pay fine. I don't understand you part about not making enough for subsidized insurance but can't afford the full price. You must have a really decent salary then. I personally have insurance through employer so not sure if you were saying you were paying my insurance through your taxes....your not.

malokvale77

(4,879 posts)
90. What you don't understand...
Tue Mar 17, 2015, 12:43 AM
Mar 2015

I thought I made it clear, I can't afford the crappy insurance that I can not ever afford to use. I chose nothing. The choice was made for me with the stupid passing of ACA.

"You must have a really decent salary then." Are you fucking joking?

I may not be paying for your insurance per say, but I sure the hell am paying for others to have what I can't afford for myself.

It is not "healthcare", it is "health insurance", subsidized by people who don't get healthcare.

Polish that turd (ACA) all you want. It hurts as many as it helps. Unfortunately it hurts those of us who can least afford it.

herding cats

(19,558 posts)
7. Uninsured people usually get a discount
Mon Mar 16, 2015, 05:40 PM
Mar 2015

I used to pay cash and always had a large chunk of the bill knocked off for it. My dentist, who I don't have insurance for, still does the same for me.

pnwmom

(108,973 posts)
20. Insured people automatically get the standard discount that the insurance
Mon Mar 16, 2015, 06:02 PM
Mar 2015

company has already negotiated with the provider.

A non-insured person has to request it, and can be denied.

herding cats

(19,558 posts)
89. Huh, I never requested it in all those years.
Tue Mar 17, 2015, 12:26 AM
Mar 2015

Guess I was really lucky to always have it applied. Of course I'm sure part of it was the doctors and hospitals wanted to get paid. Since I couldn't afford health insurance their best route to getting my money was to cut my price to what they actually charge for the procedures.

Unless they were going for some sort of percentage of compensation funding thing on unpaid bills, that is. Then the inflated prices would help them to still end up closer to their actual mark.

 

lancer78

(1,495 posts)
109. Actually,
Tue Mar 17, 2015, 02:17 PM
Mar 2015

if you have insurance, the cost of service is much higher. A lot of doctors give steep discounts to cash payments. I bet his insurance company, if he had one, would have been billed $2,000.

 

justalovebug

(41 posts)
2. Mostly all prescribed drugs should be over the counter
Mon Mar 16, 2015, 05:32 PM
Mar 2015

Problem to fix it starts a domino affect which many might not like.

From lower paid doctors , nurses , college professors

 

YarnAddict

(1,850 posts)
27. Have to disagree with you about prescription drugs
Mon Mar 16, 2015, 06:16 PM
Mar 2015

We are facing an antibiotic crisis in the very near future--antibiotic-resistant bugs, and fewer and fewer effective antibiotics. If antibiotics were available OTC, people would be popping them like candy for things that have nothing to do with bacterial infections. We would very rapidly be up the proverbial creek.

 

justalovebug

(41 posts)
31. People don't do that now with overthe counter drugs
Mon Mar 16, 2015, 06:20 PM
Mar 2015

If I have a headache I don't look for toenail fungi cream.
I look for headache medication or if I have a cough I get cough syrup
not a laxative .

You know when you have an infection or not.

uppityperson

(115,677 posts)
32. "You know when you have an infection or not" but how do you know if it is bacterial or
Mon Mar 16, 2015, 06:23 PM
Mar 2015

treatable by which antibiotic?

uppityperson

(115,677 posts)
52. And what about the other one who I have seen so much of recently?
Mon Mar 16, 2015, 07:24 PM
Mar 2015

I am curious, you know that. Are they all you?

 

YarnAddict

(1,850 posts)
39. Not always
Mon Mar 16, 2015, 06:34 PM
Mar 2015

A sore throat can be caused by a virus or it can be strep, which is bacterial.

People used to routinely die of simple bacterial infections. the discovery of antibiotics have saved literally millions of lives. I really hope we don't have to go back to the bad old days.

This is the big difference between toenail cream, laxatives, and antibiotics.

WillowTree

(5,325 posts)
46. "You know when you have an infection or not." Not necessarily.
Mon Mar 16, 2015, 07:01 PM
Mar 2015

Just last week my sister had what looked and felt like a little abscess on her ankle. So se went to the Dr to get an antibiotic. Turned out she has a little stress fracture instead. So now, instead of an antibiotic, she has a big ol' ugly boot to walk around in for the next few weeks.

Which uncovers another health problem we have in this Country. Too many people try to act as their own diagnosticians and it's dangerous. They don't make doctors go to school all those years for nothin'.

 

ND-Dem

(4,571 posts)
48. well, since antibiotics have always been prescription-only, i wonder how we got in
Mon Mar 16, 2015, 07:13 PM
Mar 2015

our present dire predicament re antibiotic resistance.

prescription/non-prescription -- doesn't seem to have made much difference.

 

YarnAddict

(1,850 posts)
61. My doc once admitted to me
Mon Mar 16, 2015, 08:01 PM
Mar 2015

that he will sometimes prescribe them to people because it's easier than explaining to someone determined to get them that they will do no good.

JimDandy

(7,318 posts)
62. It is a doctor-caused problem.
Mon Mar 16, 2015, 08:04 PM
Mar 2015

Drs. would get people out of their office by mollifying them, especially pediatricians.

JimDandy

(7,318 posts)
74. Any doctor prescribing an antibiotic when not necessary
Mon Mar 16, 2015, 09:11 PM
Mar 2015

is the cause of the problem. Since this jeopardizes the entire human population, doctors who do so, should lose their license.

This is, and always has been, a DOCTOR-caused problem.

JimDandy

(7,318 posts)
85. I don't know why you are pushing the ridiculous 'the patient is part of the problem'...
Tue Mar 17, 2015, 12:14 AM
Mar 2015

Trying to pin any part of this problem on anyone other than the medical community deflects from solving the problem. Short of a patient holding a gun to a doctor's head, there is no way they can make the doctor prescribe antibiotics when it's not indicated.

If you know of a doctor that does that, then report that doc. This is too serious of a world-wide, doctor-created problem to not take serious measures to eradicate the root cause. Any doctor unnecessarily prescribing antibiotics is not adhering to the moral, if not actual, "oath" to do no harm.

elias7

(3,997 posts)
95. You're right and wrong
Tue Mar 17, 2015, 08:02 AM
Mar 2015

As an ED physician, I see 20-30+ patients per shift, essentially hitting the ground running when I walk in the door and am basically nonstop for 12 hours. There are huge expectations from many who come to the ER, and each encounter requires some finesse if the patient is not going to get what they expect...e.g.narcotics, antibiotics, etc. After hour upon hour in a single day just trying to keep afloat and not hurt anybody, only to have patient after patient still walking in the door, I find that a demanding patient towards the end of the day is just one more conflict that I can't handle, and I will at times relent and give that prescription that may not be necessary. It's not always black and white. Infectious processes are not always clearly viral vs bacterial. Many are not patient enough to play out the process, many are.

Everyone is part of the problem. Doctors are part, but the expectations that some patients bring are often unrealistic and misinformed. Trying to talk sense to an anti-vaxxer, for example, is like trying to talk to a republican. It is a losing game. Trying to say no to a drug seeker, when they play their artful game with you takes time, energy, patience, and pain...you see the need from their perspective and you have to say no....it's hard. When you get a few of them in a row, it's quite taxing.

If you'd care to walk a shift with me, I guarantee you'd come to see that it's not so simple as "short of holding a gun to the doctors head, there's no way..." and when you perhaps understand the nuance of infectious processes, and how I am called upon to make judgements patient after patient that are not clearly black and white, perhaps you'll not take such a hard stance and threaten to take my license when I don't fall in line with your uninformed and unrealistic standards.

malokvale77

(4,879 posts)
88. By all means.
Tue Mar 17, 2015, 12:23 AM
Mar 2015

Doctors should bend to the will of unreasonable patients. How can we possibly expect them to say no to so many.

bvar22

(39,909 posts)
110. Anybody can go to the Farmer's Co-Op and buy
Tue Mar 17, 2015, 05:07 PM
Mar 2015

POUNDS of generic amoxicillin over the counter.

This is for livestock, but I know people too poor to go to a doctor who use it for infections.

bvar22

(39,909 posts)
113. Any Feed Store will do.
Wed Mar 18, 2015, 06:56 PM
Mar 2015

Every small town in the country has a "feed store".
Just go to your nearest small town and follow the Pick-Ups with 50 lb bags of feed and fertilizer in the back.

If the pick-up is carrying a load of 50 lb sacks of sugar,
best leave them alone.

notadmblnd

(23,720 posts)
6. Really? They let you walk out the door without paying and billed you two weeks later?
Mon Mar 16, 2015, 05:38 PM
Mar 2015

Most urgent cares around here won't treat you without paying first. Hell, my PCP requires payment before they'll even call you into an exam room.

bluesbassman

(19,369 posts)
10. They wouldn't tell me up front what the charges were going to be, or even when I left.
Mon Mar 16, 2015, 05:45 PM
Mar 2015

I actually spent more time with the processing clerk than the doc. Was told I'd receive the bill in a week or so, but did have to leave them a $250 deposit.

 

justalovebug

(41 posts)
12. When I had throat surgery it was crazy sitting down
Mon Mar 16, 2015, 05:52 PM
Mar 2015

and actually reading an itemized list of all charges.

You can request it from the finance office in the hospital but most people don't.


bluesbassman

(19,369 posts)
14. I probably should've done that, but at that point I didn't have any viable options.
Mon Mar 16, 2015, 05:58 PM
Mar 2015

Would've still had to pay as I had to get better fast.

pnwmom

(108,973 posts)
21. Please check out bronze plans from the providers in your state.
Mon Mar 16, 2015, 06:06 PM
Mar 2015

See what the actual deductible is, and what the plan covers. My son's plan covers Urgent Care in full, without regard to the deductible, because they want people to use it. The ACA requires that check-ups and vaccines be covered in full.

 

Hoyt

(54,770 posts)
19. If you had insurance, I bet you would be responsible for about $200.
Mon Mar 16, 2015, 06:02 PM
Mar 2015

That's about the most an insurance company would allow for an encounter like that assuming you went to a network urgent care provider. I realize you have chosen not to insure, but that is one of the benefits of being insured even if you have a high drductible.

pnwmom

(108,973 posts)
23. Right. The ACA has fixed some of the problems the OP is talking about.
Mon Mar 16, 2015, 06:08 PM
Mar 2015

Too bad he hasn't looked into it.

bluesbassman

(19,369 posts)
60. I have looked into it.
Mon Mar 16, 2015, 08:01 PM
Mar 2015

In my situation I can get decent insurance for about $7,000 a year with a $2,000 deductible or crummy insurance for $3,000/yr with a $6,000 deductible. At this point I can't justify either one when I only get sick once or twice a year.

pnwmom

(108,973 posts)
65. Are you saying that, even with whatever subsidy you could get,
Mon Mar 16, 2015, 08:10 PM
Mar 2015

you'd have to pay $600 a month in insurance premiums?

Then you must be older . . . in which case you especially shouldn't count on only getting sick once or twice a year.

 

ND-Dem

(4,571 posts)
49. but someone still pays for/gets paid for the rest. that's as big a problem as the
Mon Mar 16, 2015, 07:19 PM
Mar 2015

patient having to pay.

it's a scam and a crime.

pnwmom

(108,973 posts)
66. Not true. The same thing happens with Medicare.
Mon Mar 16, 2015, 08:12 PM
Mar 2015

The providers agree to a set discount ahead of time. The providers can't charge Medicare patients anymore than they agreed to in advance.

 

ND-Dem

(4,571 posts)
68. but someone still gets more, e.g. drug companies. and that's the real problem.
Mon Mar 16, 2015, 08:19 PM
Mar 2015

government payments are subsidizing the medical industry.

I don't mind a certain amount of that, but there's a reason medical profit margins are higher than almost any other business. subsidies.

just because consumers don't necessarily see them doesn't mean they don't exist.

it's corruption.

 

Doctor_J

(36,392 posts)
59. snark. generic amoxicillin doesn't cost $58 no matter who's paying for it
Mon Mar 16, 2015, 07:45 PM
Mar 2015

That's probably a thousand percent mark up. And perfectly legal. Why rob a bank when you can write a healthcare law?

sendero

(28,552 posts)
24. In the US...
Mon Mar 16, 2015, 06:09 PM
Mar 2015

.... health care and pharmaceuticals are offered on a "name your price" system. The providers simply name their price and we suckers pay it. There are no "market forces" there is no "competition" and there is no cap on the prices demanded.

People actually think this is a good system.

COLGATE4

(14,732 posts)
25. Are you sure you were seen by a physician?
Mon Mar 16, 2015, 06:10 PM
Mar 2015

Most "Doc in the Box" places usually have a Physician's Assistant see the patients. But you pay for the M.D. visit, anyway. (True at other medical groups as well).

 

yeoman6987

(14,449 posts)
28. Your insurance will pay most of it
Mon Mar 16, 2015, 06:17 PM
Mar 2015

Wait until you get the final bill before saying how bad our healthcare is.

Erich Bloodaxe BSN

(14,733 posts)
33. He states in a comment up top that he doesn't have insurance.
Mon Mar 16, 2015, 06:24 PM
Mar 2015

So he'll be paying the entire thing out of pocket.

 

yeoman6987

(14,449 posts)
35. Well for goodness sake. No wonder they are paying full price
Mon Mar 16, 2015, 06:27 PM
Mar 2015

The purpose of insurance is to pay a modest monthly and the a reduced medical treatment. Obamacare is at least two years old. Everyone should have insurance now.

Erich Bloodaxe BSN

(14,733 posts)
40. Well, yes and no.
Mon Mar 16, 2015, 06:34 PM
Mar 2015

He stated that in his circumstances, it would still cost too much overall to be cost effective. I know the pricing can get goofy and there are people who fall in bad places based on the cutoffs, so I'm not going to judge him, but he really did get overcharged, unless he's somewhere with an extremely high cost of living. So he was pointing out the high cost of healthcare itself where he is, not the cost of insurance.

pnwmom

(108,973 posts)
54. With a lower income he'd probably be eligible for a large subsidy.
Mon Mar 16, 2015, 07:26 PM
Mar 2015

And insurance companies have worked out agreements with providers that take a big discount right off the top. My son's last bill had about a 40% discount.

So the OP mostly demonstrates how expensive the health care system is if you won't consider paying for a subsidized insurance policy because of a false belief in invincibility.

bluesbassman

(19,369 posts)
82. False sense of invincibility?
Mon Mar 16, 2015, 11:09 PM
Mar 2015

I said I get sick once or twice a year, has been that way my entire life. That doesn't mean that I am not aware that I could become seriously ill tomorrow, but it also means that on a tight budget I have to watch where I allocate funds. So if I look at it from an actuarial point of view (just like the insurance companies do) I have to make a decision about whether to guarantee I'm going to pay an insurance company AND medical providers thousands of dollars a year for the one or two times I get sick, or pay as I go for a lot less and be able to meet the rest of my financial obligations.

Funny how a lot of people in this thread key in on the fact that I don't have insurance (for the thousands it would cost me a year which would largely end up in the profit side of an insurance company's balance sheet) and completely ignore the fact that a less than half hour visit to a doctor cost almost $700. Nice.

pnwmom

(108,973 posts)
83. It is false to think that your health so far predicts your health in the ensuing decades.
Mon Mar 16, 2015, 11:15 PM
Mar 2015

Until someone has a major health crisis, it is easy to think that the world is divided between the sick people, who have always been sick and are used to it; and healthy people who know how to take care of themselves.

But all of that can change in a heartbeat. Literally. And that's why it makes sense for everyone to have health insurance.



Major Nikon

(36,827 posts)
29. Some clinics like that one are set up like an emergency room
Mon Mar 16, 2015, 06:20 PM
Mar 2015

...or at least they charge emergency room prices.

Recently I was out of town and had the flu. I went to a clinic that was inside CVS. Their prices were commensurate with a regular Drs office visit or perhaps even cheaper. The physician was a nurse practitioner, but was certainly qualified to diagnose and treat what I had.

Erich Bloodaxe BSN

(14,733 posts)
34. I think you got seriously screwed over.
Mon Mar 16, 2015, 06:27 PM
Mar 2015

I went in to an Urgent Care in SW Ohio when I had my first gout attack. Was in there 30-45 minutes or so, albeit most of it waiting. Nurse saw me for 5 minutes, doc for 10 or so, got diagnosed, got prescribed a med, got the med, all for just around $110.

Your Urgent Care places seems a lot pricier.

pnwmom

(108,973 posts)
55. My son's trip to an urgent care resulted in no charge at all.
Mon Mar 16, 2015, 07:28 PM
Mar 2015

His insurance company doesn't require co-pays if you choose urgent care instead of E.R.

Erich Bloodaxe BSN

(14,733 posts)
98. I didn't have any 'in-network' places close enough.
Tue Mar 17, 2015, 10:53 AM
Mar 2015

I had a choice of 'HMOs' basically, and went for something that would work better for me for actual hospital trips, but had less non-hospital choices locally. Yet another reason why we need single payer, and can simply visit ANY hospital, ANY doctor's office, ANY 'urgent care' type place. Not have to just take whatever specific few places might be 'in-network' for any given HMO group.

pnwmom

(108,973 posts)
99. There are two states -- I believe Maryland is one -- that legally require
Tue Mar 17, 2015, 11:25 AM
Mar 2015

Last edited Tue Mar 17, 2015, 12:30 PM - Edit history (1)

all hospitals in the state to be in-network. So this can happen within the bounds of the ACA. All the states should enact that law.

Erich Bloodaxe BSN

(14,733 posts)
100. I'm in a state with a Republican governor, an overwhelmingly Republican state legislature
Tue Mar 17, 2015, 11:28 AM
Mar 2015

pretty much all state offices held by Republicans. I'm not going to hold my breath that anything controlled at a state level is going to be made better for me. Basically, my 'plan' is to hope I live long enough to get past the reasons I'm tied to where I live now, so I can move to a blue state at some point in the future.

marlakay

(11,447 posts)
41. sorry you don't have healthcare
Mon Mar 16, 2015, 06:34 PM
Mar 2015

I feel very lucky because I am covered by my husbands union even though he is retired. Bart SF.

I had all symptoms and very sick a few weeks ago while on a trip alone. I had to drive sick two days.

I emailed my doctor and told her I knew I had sinus infection and would she fax meds to city I was driving through. she did because I had check up with her already planned in 5 days.

when I got back I told her she saved me!!

the difference between us who both had same thing was I had insurance with good relationship with my doctor. and my antibiotic was $5.

BlueCaliDem

(15,438 posts)
44. Wow. That's steep! My daughter's boyfriend had strepthroat and we went to Urgent Care
Mon Mar 16, 2015, 06:47 PM
Mar 2015

here in SoCal. They didn't accept Medi-Cal (he has Medi-Cal) so he had to pay up front - $95 dollars. That's it. His amoxicillin was covered under his Medi-Cal, but it didn't do much for him.

I put him on a regimen of Carnivora Venus Flytrap extract and had him gargle with lukewarm salt water three times a day. His strep throat was very bad to the point that he couldn't swallow or even speak much. Using lukewarm salt water at the first try already relieved some of the pain and by day 3, he was able to swallow with very little trouble.

My daughter and I are allergic to any type of penicillin so we have to go the alternative route which means keeping our immune system up at all times. When we feel strep throat coming, we gargle with lukewarm salt water (3x a day) while taking Carnivora Venus Flytrap extract (30 drops in a bottle of water to be spread out over the entire day), and it helps us.

Also, because we regularly take Marine Coral Calcium with a multivitamin every day, it helps boost and keep our immune system up, and no one in our family caught his highly contagious strep throat - and he was in our home for five days and nights!

[font color="red" size="4" face="face"]DISCLAIMER:[/font] So as not to be alerted as a spammer, I am not a spokesperson, salesperson, or associate for Carnivora Venus Flytrap extract or a doctor or any other type of health professional. I am not compensated in any way. The advice I offer is simply from personal experience that has kept our family healthy and happy for decades and might not work for you.

 

Doctor_J

(36,392 posts)
58. healthcare stocks are through the roof
Mon Mar 16, 2015, 07:40 PM
Mar 2015

Thanks for doing your part. Notice how the profit based, competition based, uniquely American model works. That's why we're number one.

dflprincess

(28,075 posts)
78. If there is a next time and if there's a Minute Clinic (or equivalent) in your area, go there
Mon Mar 16, 2015, 10:31 PM
Mar 2015

It would probably cost under $100, plus the prescription.

Agnosticsherbet

(11,619 posts)
80. CVS Pharmacy has a similar program.
Mon Mar 16, 2015, 10:37 PM
Mar 2015

You should never go to the emergency room unless your are bleeding profusely or dying and can not say no.

 

OBblueMeanie

(14 posts)
81. Sickening
Mon Mar 16, 2015, 10:49 PM
Mar 2015

I am a woman 53 years old, and in all of my life have made only 2 major claims on my health insurance. Once, when I had a big uterine fibroid that blocked my kidneys and required surgery, and another last year when I had an accidental fall and broke my wrist and elbow. I ended up having to shell out $6350 in deductibles and "co-insurance". Seems unfair for any human, let alone someone who has worked since age 16 and not availed myself of health insurance at all.

abelenkpe

(9,933 posts)
86. It's just great
Tue Mar 17, 2015, 12:15 AM
Mar 2015

How our system charges those in need and who can least afford care the most. See, if you were wealthier or fortunate enough to have insurance through work you'd pay less. Kick em when they're down...it's the American way.

daredtowork

(3,732 posts)
91. My local clinic has been crappy for a long time
Tue Mar 17, 2015, 04:42 AM
Mar 2015

You can never get an appointment. You don't even know when the doctor opens her calendar. She triple books. The appointments are 2 hours late and last 15 minutes. You can give one symptom. If you have a complex condition, you're screwed. If you need solid diagnoses or a doctor's support to work with some State systems like Social Services or SSI, you are also pretty much screwed, because the doctor doesn't remember you or ever have time to ever think about your case: she just keeps trying to refer you out to a specialist. I now tend to over-utilize the ER when I have problems, and they give me the stink eye when I ask them if they can provide a diagnosis: they say their job is to stabilize me and that I need to go back to my medical clinic (where I will have to wait months for an appointment...).

Today I found out the reason for all the chaos. Apparently all the Primary Care doctors except mine and one other (who has handed in his resignation, and is thus not taking on any of the other patients who were set adrift) quit last year. And the clinic hasn't been able to replace them. So my doctor has been trying to hold down the fort, doing the work that is normally done by 4 doctors (actually should be more since they took on all the new Medi-Cal enrollees...). Ay caramba.

I don't even know what to say to this. I feel sorry for the situation. I want the clinic to survive. It's near my house. I think under better conditions, my doctor is a good one. But patients don't get proper care like this. And the patients who are dealing with State bureaucracies at the same time can really be shafted if they can't get fine-tuned coordination of medical care and paperwork. And by shafted I mean homelessness, starvation, crushed into literal roadkill.

alarimer

(16,245 posts)
96. I agree; the ACA is NOT health care.
Tue Mar 17, 2015, 08:46 AM
Mar 2015

It was a sop to insurance companies. And it does nothing for folks who can't find a plan that they can actually afford to use.

We need single payer. Nothing else will solve these problems. Every other civilized country in the world has some kind of socialized medicine. It isn't fair and it isn't right that we do not. "Oh, but it's not politically possible." Whine, whine, whine.

No, it's not possible because Democrats are a worthless bunch of cowardly assholes who will NOT stand up for what is right and are bought and paid for by corporations.

Lars39

(26,109 posts)
97. Negotiate for a lower bill, bluesbassman!!!
Tue Mar 17, 2015, 09:09 AM
Mar 2015

You should immediately get on the phone to negotiate a lower bill and payment plan. A lot of people don't realize this can be done.

MrMickeysMom

(20,453 posts)
101. Single Payor
Tue Mar 17, 2015, 11:30 AM
Mar 2015

Single Payor...Single Payor...Single Payor...Single Payor...Single Payor...Single Payor...Single Payor

Single Payor...Single Payor...Single Payor...Single Payor...Single Payor...Single Payor...Single Payor

Single Payor...Single Payor...Single Payor...Single Payor...Single Payor...Single Payor...Single Payor

Single Payor...Single Payor...Single Payor...Single Payor...Single Payor...Single Payor...Single Payor

Single Payor...Single Payor...Single Payor...Single Payor...Single Payor...Single Payor...Single Payor

Single Payor...Single Payor...Single Payor...Single Payor...Single Payor...Single Payor...Single Payor

Single Payor...Single Payor...Single Payor...Single Payor...Single Payor...Single Payor...Single Payor

Single Payor...Single Payor...Single Payor...Single Payor...Single Payor...Single Payor...Single Payor
Single Payor...Single Payor...Single Payor...Single Payor...Single Payor...Single Payor...Single Payor

 

NCTraveler

(30,481 posts)
102. We have entrenched the concept of for profit healthcare even further.
Tue Mar 17, 2015, 11:32 AM
Mar 2015

Wish it wasn't so. We will spend the next decade telling everyone how great the ACA is because we have to. Then in a decade or so we will put our big accomplishment behind us and claim the system is completely broken again. As for now, it is signature legislation that was not an overhaul and furthered a broken system. We have to back it up as if it were signature legislation for a while.

upaloopa

(11,417 posts)
103. What do you think people who spend years
Tue Mar 17, 2015, 11:38 AM
Mar 2015

school and training so they would be there when you need them should be compensated?

Response to bluesbassman (Original post)

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