Now you know why I never do that. Find a holistic doctor with bio-feedback machine. It's so nice and easy to get treated and kicked the insurance company to the curb.
That biofeedback machine is a scam. Can't diagnose. Look at the website bro.
Better advice is to eat healthy, exercise, sleep well and ask Grok for health advice not a scam artist. I love natural health but half of natural doctors are selling placebos and scams. Be your own doctor, grok's health advice is more accurate and free, then you won't have to depend on people trying to profit from your health problems!
Yep! I just listened to a podcast talk about this. He described different situations where a person was given a much lower fee for services when the hospital thought they didn’t have insurance. Like paying $5,000 with vs $650 without for an MRI. $1,200 for a drug with or $37 without. The interviewee said hospital costs are negotiable and they will accept 10% of the bill if you delay payments. Basically it’s so f-ing corrupt!
Based on my experience from three past experiences, if you contact your insurance company to report over-billing by a hospital, or charges that you know are bogus, they don't care! (and that's if you can even speak to a person!) My wife recently had surgery. She was never admitted to the hospital; was brought to the emergency room and had surgery the next morning. The bill came in and the hospital listed a "room charge" of $17,000! They also listed a contrast CT scan of $10,000! We are now facing an out-of-pocket bill of at least $7,000, because our insurance plan states that we have to pay 30% of whatever the policy doesn't cover. I'm not paying and am looking into how to resolve it, beginning with having the hospital explain why there is a $17K room charge if my wife was not in a room!
A lot of times it’s bogus amounts to make it seem like your insurance is actually doing smth.
Look your bill is $27000 and now you only pay $7000 bc you have great insurance. When in actuality your insurance paid for jack shit and you’re just getting the whole bill.
The ol “50% off but I just raise the price 200% the day before”
That's why I have liberty health share. It's Not health insurance. It's a Christian organization that's non profit and all the money goes to paying each other's medication bills without middle men taking cuts.
I have medishare. Have you heard good things about them? I’m just praying I never need to use them but I do worry sometimes if they wont pay if I have some major event.
I'm a medical biller and coder. That's because the extraordinary prices hospitals charge when you have insurance are the contractual amounts insurance companies set for them to charge.
That's why when you don't have insurance typically the bill is lower because they go by Medicare guidelines for pricing. Which is low. (Usually, some dont)
In other words. Insurance companies are the reason prices are high. In more than just this way.
Oh and when they actually pay that 17K bill you know how much they actually pay? Probably around 10%. Then tell us to write off the rest. That's after you pay your deductibles and coins of course.
They hospital is charging the insurance company WAY more than what they are contracted for, then when they receive the contracted amount from the insurance company, they try to get the patient to pay the difference! Our insurance company just says, "Hospitals set the rates they charge", so they know this whole system is a scam, but apparently they make enough not to do anything about it.
Yes, what the insurance pays is the true contract amount but for some reason there is an agreement between the hospital and the insurance company to charge more.
There is clearly a lower rate to charge for self pay (and a true unseen balance insurance are liable for)
But when a patient comes in with insurance and attempts to go with self pay, we are contractually not allowed to bill them that lower amount. We have to bill them the inflated price. From my end. The hospital claims it's insurance contracts forcing them to charge patients this amount.
Wait on it for a few months, then pay it when they drop it to 1 or 2k before they send it to collections (between 90 and 180 days after it's due). These things tend to take a while because of how slow insurance companies work, so it is usually longer than 3 or 4 months.
Since 2023 the credit bureaus started waiting a year before putting medical debt on the credit reports to give people more time to arrange payments. If collectors get the debt they will put it on the credit reports the first day they are allowed, but it is still possible to negotiate with them because any money is better than none for the collectors.
Hear horror stories about insurance all the time, hence I really dislike insurance. I have the bare minimum insurance for health and just cancel dental.
We cash flowed my first pregnancy, went to a birthing center and paid as we went. It was maybe 5K total, beginning to end. Heck, we even took the placenta home because I didn’t want some medical entity to have my DNA or make money off it. Best decision was to keep the “mainstream” medical professionals out of it.
This is all true until you get cancer for example. Then shit gets real. Though, if you had avoided all the various jabs throughout your life and did not go swimming in crude oil, the chances of getting cancer are fairly low. Don't forget to take your vitamin d3 and K2 daily too!
I agree totally that insurance is a scam. But how the hell did she not have insurance during the Obamacare requirement, that's not possible,“We haven't had insurance in 10 years." Also, it is not true that they charge less. Over the past 10+ years, hospitals began charging MORE for cash services, so what she says makes no sense. They have a deal going on with their insurance scam partners where they agree to certain charges; without insurance, they are free to charge you MORE and they surely do. I have Christian Healthcare Ministries INSTEAD of insurance, and they have to negotiate with the hospitals to get the rate DOWN to the same as insurance level. You don't get cheaper with cash payment; it is MORE expensive. That said, you can certainly find small doctors who will do their own payment plans instead of insurance.
The mandate ended on 1/1/19, so 6 years is the longest you could have gone without a fine. I had to pay a penalty one year because I wasn't paying the amount they wanted for just decent insurance. The $1250 fine saved me over $10k that I would've had to pay for crap insurance.
Doesn't work like that, unless it's a community clinic. At both a non for profit and a for profit hospital, just stepping in the doors of the emergent medicine department will set you back more than $630.00. That is before their tests or $200.00 asprins.
I do hope President Trump will direct Bobby Kennedy Jr. to expose the insurance scams taking place all over the medical field. $700 cash vs. several thousand w/insurance? And you can't choose to pay cash if you HAVE insurance?? This is theft, pure and simple.
And two more things: take the dang pharmaceutical ads off TV and radio, and remove the restrictions on natural and alternative medicine.
I'm not sure how you swing that. I had a visit to the emergency room, saw the doc, got an ultrasound, pain meds, and urine sample. I got bills from the hospital, the sonographer, and the doctor. Urgent care might be cheaper, if they are ever open. Next time, they get no info; just give me the bill before I leave. And I'm not sticking around for 4 hours.
I swing it this way. I walked into the emergency room. I talked to billing and told them I do not have insurance. I need to check this that or other. Give me a cost.
They gave me an estimate. I got that done. Pay it and leave.
And why the heck are they asking you to fill out a "health assessment" every year? Apparently they're required to ask, at least if it's through to gov exchange or Medicare.
Exactly. I'm headed out to get a fasting blood test w/A1C today for a Dr appt next week and I have no insurance at the moment. I'm paying $65 for both combined. When I need medicine I use GoodRX - even if I have insurance. It is almost always cheaper than the old insurance price.
Now you know why I never do that. Find a holistic doctor with bio-feedback machine. It's so nice and easy to get treated and kicked the insurance company to the curb.
Yes, that's true. After that, you will need a 15 comfrey tincture to help heal your broken leg faster.
Go on Amazon or if your state allowed apothecary or herbal shops (NOT JUST MARIJUANA), then you can just buy one.
Comfrey is very powerful. FYI.
You are welcome. You might need pain killers also for that also.
That biofeedback machine is a scam. Can't diagnose. Look at the website bro.
Better advice is to eat healthy, exercise, sleep well and ask Grok for health advice not a scam artist. I love natural health but half of natural doctors are selling placebos and scams. Be your own doctor, grok's health advice is more accurate and free, then you won't have to depend on people trying to profit from your health problems!
Thank you. I have been doing that for a long long time.
Yep! I just listened to a podcast talk about this. He described different situations where a person was given a much lower fee for services when the hospital thought they didn’t have insurance. Like paying $5,000 with vs $650 without for an MRI. $1,200 for a drug with or $37 without. The interviewee said hospital costs are negotiable and they will accept 10% of the bill if you delay payments. Basically it’s so f-ing corrupt!
I know about all of this. LOL
What podcast? I would love to listen
I thought it was an interview on SGTReport but I couldn’t find it. Ugh sorry!
Based on my experience from three past experiences, if you contact your insurance company to report over-billing by a hospital, or charges that you know are bogus, they don't care! (and that's if you can even speak to a person!) My wife recently had surgery. She was never admitted to the hospital; was brought to the emergency room and had surgery the next morning. The bill came in and the hospital listed a "room charge" of $17,000! They also listed a contrast CT scan of $10,000! We are now facing an out-of-pocket bill of at least $7,000, because our insurance plan states that we have to pay 30% of whatever the policy doesn't cover. I'm not paying and am looking into how to resolve it, beginning with having the hospital explain why there is a $17K room charge if my wife was not in a room!
A lot of times it’s bogus amounts to make it seem like your insurance is actually doing smth.
Look your bill is $27000 and now you only pay $7000 bc you have great insurance. When in actuality your insurance paid for jack shit and you’re just getting the whole bill.
The ol “50% off but I just raise the price 200% the day before”
That's why I have liberty health share. It's Not health insurance. It's a Christian organization that's non profit and all the money goes to paying each other's medication bills without middle men taking cuts.
I have medishare. Have you heard good things about them? I’m just praying I never need to use them but I do worry sometimes if they wont pay if I have some major event.
And the hospitals gouge the insurance companies to probably try to make up for all the illegals and others without insurance who they treat.
I'm a medical biller and coder. That's because the extraordinary prices hospitals charge when you have insurance are the contractual amounts insurance companies set for them to charge.
That's why when you don't have insurance typically the bill is lower because they go by Medicare guidelines for pricing. Which is low. (Usually, some dont)
In other words. Insurance companies are the reason prices are high. In more than just this way.
Oh and when they actually pay that 17K bill you know how much they actually pay? Probably around 10%. Then tell us to write off the rest. That's after you pay your deductibles and coins of course.
They hospital is charging the insurance company WAY more than what they are contracted for, then when they receive the contracted amount from the insurance company, they try to get the patient to pay the difference! Our insurance company just says, "Hospitals set the rates they charge", so they know this whole system is a scam, but apparently they make enough not to do anything about it.
Yes, what the insurance pays is the true contract amount but for some reason there is an agreement between the hospital and the insurance company to charge more.
There is clearly a lower rate to charge for self pay (and a true unseen balance insurance are liable for)
But when a patient comes in with insurance and attempts to go with self pay, we are contractually not allowed to bill them that lower amount. We have to bill them the inflated price. From my end. The hospital claims it's insurance contracts forcing them to charge patients this amount.
It's probably both tbh.
Wait on it for a few months, then pay it when they drop it to 1 or 2k before they send it to collections (between 90 and 180 days after it's due). These things tend to take a while because of how slow insurance companies work, so it is usually longer than 3 or 4 months.
Since 2023 the credit bureaus started waiting a year before putting medical debt on the credit reports to give people more time to arrange payments. If collectors get the debt they will put it on the credit reports the first day they are allowed, but it is still possible to negotiate with them because any money is better than none for the collectors.
Hear horror stories about insurance all the time, hence I really dislike insurance. I have the bare minimum insurance for health and just cancel dental.
Ya know most insurance companies are owned by the same people that own the hospitals, Pharma, and all those new medical plazas.
I don't know that for sure but I won't be surprised.
We cash flowed my first pregnancy, went to a birthing center and paid as we went. It was maybe 5K total, beginning to end. Heck, we even took the placenta home because I didn’t want some medical entity to have my DNA or make money off it. Best decision was to keep the “mainstream” medical professionals out of it.
Nice. I love to hear that.
This is all true until you get cancer for example. Then shit gets real. Though, if you had avoided all the various jabs throughout your life and did not go swimming in crude oil, the chances of getting cancer are fairly low. Don't forget to take your vitamin d3 and K2 daily too!
And eat lots of ivermectin and fenbendazole.
I understand.
I don't trust them from a young age.
The temple has carpenter ants everywhere now.
I agree totally that insurance is a scam. But how the hell did she not have insurance during the Obamacare requirement, that's not possible,“We haven't had insurance in 10 years." Also, it is not true that they charge less. Over the past 10+ years, hospitals began charging MORE for cash services, so what she says makes no sense. They have a deal going on with their insurance scam partners where they agree to certain charges; without insurance, they are free to charge you MORE and they surely do. I have Christian Healthcare Ministries INSTEAD of insurance, and they have to negotiate with the hospitals to get the rate DOWN to the same as insurance level. You don't get cheaper with cash payment; it is MORE expensive. That said, you can certainly find small doctors who will do their own payment plans instead of insurance.
The mandate ended on 1/1/19, so 6 years is the longest you could have gone without a fine. I had to pay a penalty one year because I wasn't paying the amount they wanted for just decent insurance. The $1250 fine saved me over $10k that I would've had to pay for crap insurance.
Yeah I remember I had to pay it one year too that s*** sucked. But a whole lot cheaper than paying damned insurance.
You can go without insurance during Obama year but you will pay a fine for it during tax time. Yeah, you can.
Doesn't work like that, unless it's a community clinic. At both a non for profit and a for profit hospital, just stepping in the doors of the emergent medicine department will set you back more than $630.00. That is before their tests or $200.00 asprins.
I go into their Billing Department first.
This is true, also infuriating. Obamma care was a rip off. Making the workers pay for EVERYONE.
Obummer is a demon.
$1500 for all of that is highway robbery as well.
You bet.
I call it Medicare disadvantage
I would like to get rid of that one also.
NEVER put a 3rd party between you and your medicare benefits. Stick with the original.
Yes, so I have learned
Need the "always has been" astronaut meme here.
🌏👨🚀🔫👨🚀🌌
Be good.
I do hope President Trump will direct Bobby Kennedy Jr. to expose the insurance scams taking place all over the medical field. $700 cash vs. several thousand w/insurance? And you can't choose to pay cash if you HAVE insurance?? This is theft, pure and simple.
And two more things: take the dang pharmaceutical ads off TV and radio, and remove the restrictions on natural and alternative medicine.
I think he did already. You have to post all prices were what was said. Don't ask me where I saw that.
Always were.
Yes.
Wow. If we can DOGE this, our world will be so much better.
Please tag DOGE everyone.
About 3 years ago I dropped my blue Cross & blue Shield health Insurance because it was way too expansive.
My company give me a bare bone insurance but I am happy about that. It's what I do and what I can do that count.
I use Medi-Share, it's not insurance it is faith based company.
I looked into that b4. Does it work?
I use it but I've never reach the full Annual Household Portion before. You can also apply for health discount to drop the price.
Thank you. I will look into that. Appreciate it.
I'm not sure how you swing that. I had a visit to the emergency room, saw the doc, got an ultrasound, pain meds, and urine sample. I got bills from the hospital, the sonographer, and the doctor. Urgent care might be cheaper, if they are ever open. Next time, they get no info; just give me the bill before I leave. And I'm not sticking around for 4 hours.
I swing it this way. I walked into the emergency room. I talked to billing and told them I do not have insurance. I need to check this that or other. Give me a cost.
They gave me an estimate. I got that done. Pay it and leave.
🌏👨🚀🔫👨🚀🌌
They exploited the middle class to gain enough privilege to be exploited by the upper class.
Thieves and highway robbers.
And why the heck are they asking you to fill out a "health assessment" every year? Apparently they're required to ask, at least if it's through to gov exchange or Medicare.
They have a list to go through. Don't call NIH 111 in UK. The list is longer than your grandma dress.
In my experience medical providers have separate pricing for insured vs paying cash. Cash is always cheaper.
Exactly. I'm headed out to get a fasting blood test w/A1C today for a Dr appt next week and I have no insurance at the moment. I'm paying $65 for both combined. When I need medicine I use GoodRX - even if I have insurance. It is almost always cheaper than the old insurance price.
You got it.
https://x.com/AssyrianAngel28/status/1897459449864110080
Every insurance has always been a money laundering enterprise.
Of course.
All getting exposed.
I know about this one a long time ago, but then, I work in sick care. LOL