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Author: intercst Big funky green star, 20000 posts Top Favorite Fools Top Recommended Fools Feste Award Nominee! Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 58793  
Subject: Re: For profit insurance: another horror story Date: 6/20/2013 11:12 PM
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salaryguru posts,

Now the billing starts. . . The hospital code used for the diagnoses is listed to mean "stiff neck". The insurance company says that "stiff neck" is not a valid emergency room illness. Here's why this matters. The negotiated insurance rate for the visit and treatment is a little over $1000 - which I have already paid since we have a high deductible policy. But if the insurance company declares the treatment invalid, then the non-insured cost of the emergency room visit is over $6000. Note that the insurance company does not pay one dime either way. The hospital was originally happy with my payment. But now, they want me to pay more if the insurance company denies the claim - a claim that is in question because of the code their doctor put on the paperwork.

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I've gotten so fed up with doctors, hospitals, and insurance companies, that I'd rather gnaw-off an appendage with my own teeth than visit an emergency room and suffer a medically-unnecessary financial colonscopy.

intercst
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