insurance - uhhh.. stuff.
-
So, I have to do a medical test. The agreed upon cost for this test between my insurance provider and the test provider is $253. The test provider will allow me to get the test at $200 cash.
Does anyone see a problem with me paying the $200 cash, then turning in a reimbursement request to my insurance for this test?
Would this unethical in any way?
-
I don't see it as being unethical, most health service providers will accept a lesser amount for a cash payment.
What I would do though is confirm if you can expense it back to your Insurance provider. Otherwise you might be out $200 bucks.
Plus does the $253 go towards any annual deductible you have to meet?
-
You're bad and you should feel bad.
-
@crustachio said:
You're bad and you should feel bad.
Ripping off those poor insurance providers, what did they ever do to you?
-
@DustinB3403 said:
@crustachio said:
You're bad and you should feel bad.
Ripping off those poor insurance providers, what did they ever do to you?
Please don't get me and @scottalanmiller started yet another time!
-
@travisdh1 said:
@DustinB3403 said:
@crustachio said:
You're bad and you should feel bad.
Ripping off those poor insurance providers, what did they ever do to you?
Please don't get me and @scottalanmiller started yet another time!
I don't know why you could possibly be upset with insurance providers, they are here to make sure everyone is well taken care of.
Please explain to me how you feel.
-
You will most likely not get a receipt for more than you pay, and likely would need a coded receipt for reimbursement.
-
@DustinB3403 said:
@travisdh1 said:
@DustinB3403 said:
@crustachio said:
You're bad and you should feel bad.
Ripping off those poor insurance providers, what did they ever do to you?
Please don't get me and @scottalanmiller started yet another time!
I don't know why you could possibly be upset with insurance providers, they are here to make sure everyone is well taken care of.
Please explain to me how you feel.
I can't, unless you want to go do all the computer work for a small doctors office for 4 years. Only then will you properly appreciate how amazingly wonderfully run insurance companies are, and give you such a deal for what you pay!
-
This post is deleted! -
@travisdh1 said:
@DustinB3403 said:
@travisdh1 said:
@DustinB3403 said:
@crustachio said:
You're bad and you should feel bad.
Ripping off those poor insurance providers, what did they ever do to you?
Please don't get me and @scottalanmiller started yet another time!
I don't know why you could possibly be upset with insurance providers, they are here to make sure everyone is well taken care of.
Please explain to me how you feel.
I can't, unless you want to go do all the computer work for a small doctors office for 4 years. Only then will you properly appreciate how amazingly wonderfully run insurance companies are, and give you such a deal for what you pay!
So you're saying I should pay triple to my Insurance Carrier for services rendered (of which I haven't touched my insurance plan in over 3 years....)
-
@Dashrender said:
Would this unethical in any way?
Yes, I think the whole system is unethical
With love from your friendly northern socialist.
-
@aaron said:
What's unethical about being reimbursed for the $200 expenditure?
Nothing, just go ahead and submit it. Ignore the rest of the insane asylum around here!
-
@DustinB3403 said:
@travisdh1 said:
@DustinB3403 said:
@travisdh1 said:
@DustinB3403 said:
@crustachio said:
You're bad and you should feel bad.
Ripping off those poor insurance providers, what did they ever do to you?
Please don't get me and @scottalanmiller started yet another time!
I don't know why you could possibly be upset with insurance providers, they are here to make sure everyone is well taken care of.
Please explain to me how you feel.
I can't, unless you want to go do all the computer work for a small doctors office for 4 years. Only then will you properly appreciate how amazingly wonderfully run insurance companies are, and give you such a deal for what you pay!
So you're saying I should pay triple to my Insurance Carrier for services rendered (of which I haven't touched my insurance plan in over 3 years....)
Yeah, they don't make enough pure profit from you yet.
-
@DustinB3403 said:
@crustachio said:
You're bad and you should feel bad.
Ripping off those poor insurance providers, what did they ever do to you?
LOL - if I'm - oh nevermind.
-
One of the things I'm wondering - will my insurance company either deny my claim of $200 and instead require that I must have the testing center submit a claim because they are a contracted entity with my insurance company.
This would be akin to CDW registering a deal with HP so other vendors know that CDW is the reseller of record hopefully keeping CDW from getting screwed (as Scott would say).
So in my situation, since there is a contract between the testing center and my insurance company, if I want this spend to be applied to my deductable/reimbursement I might be forced to pay the higher price.
-
@Dashrender I don't know if you have kids, wife, etc but if your plan is like the other ones (have to pay $X before it kicks in) you may as well pay full pop and hit the limit so you can take better advantage of all the benefits
-
@MattSpeller said:
@Dashrender I don't know if you have kids, wife, etc but if your plan is like the other ones (have to pay $X before it kicks in) you may as well pay full pop and hit the limit so you can take better advantage of all the benefits
That would assume that I'm actually expecting to hit the deductible.
-
@Dashrender said:
So, I have to do a medical test. The agreed upon cost for this test between my insurance provider and the test provider is $253. The test provider will allow me to get the test at $200 cash.
Does anyone see a problem with me paying the $200 cash, then turning in a reimbursement request to my insurance for this test?
Would this unethical in any way?
There's no garuntee they will pay like that where's if they file direct to insurance and are in network they have agreements and will fight over the costs until they figure something out. If you pay cash and your insurance doesn't like it they just want pay, no option for fighting it
-
Why do Americans think this complex crap nobody understands is superior to ... basically anything else? Oh that's right, it's communism, the dreaded force of Satan hiding under every college dorm bed and mixed in the paint in every art school. So they say anyway, better to pay 10,000 times more and get 100 times less, than be under Stalin's boot I guess.
-
@tonyshowoff said:
Why do Americans think this complex crap nobody understands is superior to ... basically anything else? Oh that's right, it's communism, the dreaded force of Satan hiding under every college dorm bed and mixed in the paint in every art school. So they say anyway, better to pay 10,000 times more and get 100 times less, than be under Stalin's boot I guess.
Did I miss the part around here where anyone was defending this shit?
