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!


  • Banned

    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.


  • Banned

    @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?



  • @Dashrender said:

    @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?

    I mean... most people who don't know better defend it... that being most Americans.



  • @Dashrender said:

    @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?

    I said Americans, not you guys, I was merely pointing out the baffling nature of it all. Not only that, seems about 50% of the population or so believes it to be the best in the world, hands down, despite typically having not even basic knowledge of the rest of the world.



  • @tonyshowoff said:

    @Dashrender said:

    @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?

    I said Americans, not you guys, I was merely pointing out the baffling nature of it all. Not only that, seems about 50% of the population or so believes it to be the best in the world, hands down, despite typically having not even basic knowledge of the rest of the world.

    American Exceptionalism is really cool isn't it. We are the greatest country in the world despite all the evidence to the contrary.



  • @coliver said:

    @Dashrender said:

    @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?

    I mean... most people who don't know better defend it... that being most Americans.

    You actually hear people defending it? I work in a medical office and I never hear people defending it - just being pissed that it's so expensive.



  • @Dashrender said:

    @coliver said:

    @Dashrender said:

    @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?

    I mean... most people who don't know better defend it... that being most Americans.

    You actually hear people defending it? I work in a medical office and I never hear people defending it - just being pissed that it's so expensive.

    All the time. From factory workers who are getting screwed to doctors and business owners... who are also getting screwed. They complain it is expensive but when you present them with a different option they start going off on RWNJ talking points and "red scare"-esque paranoia.



  • @Dashrender said:

    @coliver said:

    @Dashrender said:

    @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?

    I mean... most people who don't know better defend it... that being most Americans.

    You actually hear people defending it? I work in a medical office and I never hear people defending it - just being pissed that it's so expensive.

    Oh man they do, until they get a massive bill of course. If you ever want to see total insanity, google something like "healthcare is a privilege not a right" and watch insanity ensue.



  • @coliver said:

    @Dashrender said:

    @coliver said:

    @Dashrender said:

    @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?

    I mean... most people who don't know better defend it... that being most Americans.

    You actually hear people defending it? I work in a medical office and I never hear people defending it - just being pissed that it's so expensive.

    All the time. From factory workers who are getting screwed to doctors and business owners... who are also getting screwed. They complain it is expensive but when you present them with a different option they start going off on RWNJ talking points and "red scare"-esque paranoia.

    The craziest thing is that most of the people complaining the most need universal healthcare the most instead. Not only that, it's strange to me businesses would ever be against universal healthcare, the raise in taxes is going to be far less than all you throw out to insurance companies, not only that you get unions off your back in that regard.



  • @tonyshowoff said:

    @Dashrender said:

    @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?

    I said Americans, not you guys, I was merely pointing out the baffling nature of it all. Not only that, seems about 50% of the population or so believes it to be the best in the world, hands down, despite typically having not even basic knowledge of the rest of the world.

    While I agree that compared to the experiences that Scott mentions that he has with healthcare in other countries the normal boring medical stuff - many other countries seem to be handling it possibly better. But what we don't know is they they handle the rough stuff - cancer, brain tumors, major organ transplants, etc.

    Scott's also gone on to show that the US tax payer is already paying something pretty close to what Europeans pay in terms of taxes, which means for us to move to that system would raise our taxes to numbers quite a bit higher than Europe (potentially).

    The US healthcare system is definitely mussed up! And we as a nation couldn't even consider doing healthcare nation wide unless we do it truly nation wide, and the states have nothing to do with it.

    Another thing I'm curious about - say you live in France and travel it Italy, while you are there you break your leg. In the US that cost easily over $10K, possibly over $20K. Now if that person was at home in France it might be completely covered... but now that they are in Italy - what happens? Is it like a US traveler - they're boned and responsible for their own expenses? Granted the general idea is that medicine in EU is much lower - so the bill might be $2K instead of $10K...



  • @coliver said:

    @tonyshowoff said:

    @Dashrender said:

    @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?

    I said Americans, not you guys, I was merely pointing out the baffling nature of it all. Not only that, seems about 50% of the population or so believes it to be the best in the world, hands down, despite typically having not even basic knowledge of the rest of the world.

    American Exceptionalism is really cool isn't it. We are the greatest country in the world despite all the evidence to the contrary.

    Plenty of immigrants go to the US and are shocked that healthcare is so expensive and isn't covered and also many are shocked to see homeless people, really, there's even been cases of people calling the police to report a homeless person assuming that they're in need of help. Of course, they may need help, but nobody is going to give it.



  • @tonyshowoff said:

    @coliver said:

    @Dashrender said:

    @coliver said:

    @Dashrender said:

    @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?

    I mean... most people who don't know better defend it... that being most Americans.

    You actually hear people defending it? I work in a medical office and I never hear people defending it - just being pissed that it's so expensive.

    All the time. From factory workers who are getting screwed to doctors and business owners... who are also getting screwed. They complain it is expensive but when you present them with a different option they start going off on RWNJ talking points and "red scare"-esque paranoia.

    The craziest thing is that most of the people complaining the most need universal healthcare the most instead. Not only that, it's strange to me businesses would ever be against universal healthcare, the raise in taxes is going to be far less than all you throw out to insurance companies, not only that you get unions off your back in that regard.

    I've been told by a few business owners that healthcare was an incentive similar to time off or salary. If we went to Universal Healthcare they wouldn't be able to hire people anymore. When I suggested offering more money and more time off they balked saying those aren't the same.


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