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Topic	Trip to the ER not covered at all, I owe $1160
FrenchCrunch 04/24/18 7:51:39 PM #95:	@Shuto-uke posted... Balrog0 posted... wait was it not covered or have you not met your deductible? They have several ways to get you. The first one is the deductible. If you have a high deductible you're fucked. If your deductible has been paid (by you), they can still refuse to cover certain procedures, or they can refuse to cover certain medications, or my favorite, they can choose to cover up to an amount "they consider reasonable". True story, if you have a mole you need to have looked at, and turns out they may have to take a biopsy to see if it's benign or not (not ER, I know, but still medical expenses) . that implies a topical painkiller, a painkiller shot, shaving your mole with a blade, antiseptic, and then the laboratory work to analyze the mole. I had that. The price was $200. My fucking insurance told me they would only cover $20. TWENTY DOLLARS?! Do they expect the doctor to use vodka as painkiller and antiseptic and use some blade they found in a dumpster?! listen here bro, that shit is bonkers. i work in insurance. before my current position i was the guy that processed all the medical bills the agreement that insurance companies and healthcare services have is heinous an ambulance trip is gonna run you a thousand dollars, minimum, every single time no exceptions. our system dictates that we would only reasonably provide the insured like $237 and the initial prices of the procedures is awful too. $50 for a hot/cold pack. just so the insurance companies can negotiate it down to $10 man <cite>FrenchCrunch posted [p:900243696] in Trip to th... [t:76548339]...</cite> <quote><cite>@Shuto-uke posted...</cite> <quote><cite>Balrog0 posted...</cite> <quote>wait was it not covered or have you not met your deductible?</quote> They have several ways to get you. The first one is the deductible. If you have a high deductible you're fucked. If your deductible has been paid (by you), they can still refuse to cover certain procedures, or they can refuse to cover certain medications, or my favorite, they can choose to cover up to an amount "they consider reasonable". True story, if you have a mole you need to have looked at, and turns out they may have to take a biopsy to see if it's benign or not (not ER, I know, but still medical expenses) . that implies a topical painkiller, a painkiller shot, shaving your mole with a blade, antiseptic, and then the laboratory work to analyze the mole. I had that. The price was $200. My fucking insurance told me they would only cover $20. TWENTY DOLLARS?! Do they expect the doctor to use vodka as painkiller and antiseptic and use some blade they found in a dumpster?!</quote> listen here bro, that shit is bonkers. i work in insurance. before my current position i was the guy that processed all the medical bills the agreement that insurance companies and healthcare services have is heinous an ambulance trip is gonna run you a thousand dollars, minimum, every single time no exceptions. our system dictates that we would only reasonably provide the insured like $237 and the initial prices of the procedures is awful too. $50 for a hot/cold pack. just so the insurance companies can negotiate it down to $10 man</quote> ... Copied to Clipboard!
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