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Yikes!!!

I never made it to the shop in time today to go over this with the gal at work. Maybe tomorrow.

Got another bill in the mail for $180.00 from another doc that I have never seen in my life. She took it upon herself to evaluate my MRI and give her opinion. My doc said with that evaluation I would be on the carving table. I didn't know she was sending a bill tho.

Turns out that this doc diagnosed my Mom and treated her for a number of months for pneumonia when Mom actually had lung cancer, and it was too late when she (doc) got her head out of her butt.

I'm doing a little bit of physical therapy, and that's cutting the edge off pretty decent. That gal at PT really knows what she is doing, but has me doing some weird stuff.

Fortunately, I'm the only one in the 40,000 sq-ft building when I practice her regiments, otherwise someone may think I may be a tad touched wink

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Originally Posted By: JKB
....Got another bill in the mail for $180.00 from another doc that I have never seen in my life. She took it upon herself to evaluate my MRI and give her opinion.


Pretty much standard practice I think.

When I was in the hospital for one night a couple years back to have a plate screwed in my neck, the bill for the hospital portion of the stay was over $200k. That included charges from 4 doctors and a dietician I never saw. Apparently, if a doctor walks down the hall by your room, they can charge you? Good news is I had insurance and they had a negotiated rate for everything so the total $380k charge for the procedure and one night stay was reduced to $43K and my share was $1800. If I didn't have insurance, would the dietician be living in my house now?

Bottom line folks, IMHO the system is broken, lots of folks are getting rich and it ain't going to get better. My advice, if you can't really afford insurance, find a company willing to sell you a policy with a super high deductible at a low cost. At least you will only be paying the insurance negotiated rate instead of full price.


Last edited by Bill D.; 09/23/15 09:27 PM. Reason: Typo

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Originally Posted By: Bill D
Bottom line folks, IMHO the system is broken.

Finally something most can probably agree about.

Problem is, it defies a quick easy fix.

Single system/provider/payor? Got that, it's called the VA. Sure you want more of that?

Single payor? Got that, it's called Medicare, hasn't exactly stemmed the tide.

Modest attempt to get most people covered under the third party payor system we have? Got that, Affordable Healthcare Act, not exactly universally beloved, for many valid and some invalid reasons.

Any serious attempt to aggressively cut costs is going to have to involve limiting the amount of healthcare delivered. That's a simple fact that no politician can ever come out and say--it would be political suicide. There is a lot of room for cutting drug costs, physician salaries, perverse incentives, redundant and unnecessary tests and procedures....but the simple fact is that taking good care of people is extremely expensive and resource intensive, there just is no cheap way to do it. With the population aging, and technology advancing, this trend is not going to change direction anytime soon.

Don't get me wrong--I'm not advocating cutting back on care for anyone, but don't kid yourself about how easy it would be to fix the system we have.

And by the way, contractural write offs cannot be deducted by any small business, whether it be a doctor, dentist, attorney, or anyone else. System is broke, but it ain't THAT broke. There are some tricks that can be used by "Not For Profit" healthcare providers who use accrual basis accounting rather than cash accounting, however. And don't get me started on carried interest.......

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Originally Posted By: Yolk Sac
Originally Posted By: Bill D
Bottom line folks, IMHO the system is broken.

Finally something most can probably agree about.

Problem is, it defies a quick easy fix.

Single system/provider/payor? Got that, it's called the VA. Sure you want more of that?

Single payor? Got that, it's called Medicare, hasn't exactly stemmed the tide.

Modest attempt to get most people covered under the third party payor system we have? Got that, Affordable Healthcare Act, not exactly universally beloved, for many valid and some invalid reasons.

Any serious attempt to aggressively cut costs is going to have to involve limiting the amount of healthcare delivered. That's a simple fact that no politician can ever come out and say--it would be political suicide. There is a lot of room for cutting drug costs, physician salaries, perverse incentives, redundant and unnecessary tests and procedures....but the simple fact is that taking good care of people is extremely expensive and resource intensive, there just is no cheap way to do it. With the population aging, and technology advancing, this trend is not going to change direction anytime soon.

Don't get me wrong--I'm not advocating cutting back on care for anyone, but don't kid yourself about how easy it would be to fix the system we have.

And by the way, contractural write offs cannot be deducted by any small business, whether it be a doctor, dentist, attorney, or anyone else. System is broke, but it ain't THAT broke. There are some tricks that can be used by "Not For Profit" healthcare providers who use accrual basis accounting rather than cash accounting, however. And don't get me started on carried interest.......


Since people stated their opinions, I'll state mine as the worthless one it is;

I am not for any government healthcare at all.

Same old reason, that pesky Constitution. I don't care if this would be the one thing that the federal government did great, if costs were half of what we pay now, if cancer were cured, if smiles were on everybody's faces, universal healthcare is completely against the enumerated powers as described in Article 1 Section 8 of the Constitution. We cannot keep breaking the damn law for convenience.

If your State wants to have universal health care, I have no issue with that, it IS Legal in that case.

If the federal government can get an amendment to the Constitution, that's great too. We would then have legal grounds for universal health care.

Do it right, I'd still disagree, but it would be legal and we would be holding true to our laws.

There is a reason that the leftist's in this country did not amend the Constitution for this ponzi health care scheme we now have, they did NOT have the votes to amend the Constitution.


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JKB, as a fellow Michigander, I'm delighted to hear that your test came back cancer free! Isn't it great that such a test was developed by free men in a country founded by free men! God bless the USA!


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I see problems in a lot of areas. I don't have a problem with Doctors earnings. They spent a LONG time educating themselves and it ain't cheap.

At some time in the future all medical professionals with be hospital employees.


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I see we've pulled over the firetruck enroute to the house fire, just because it had a taillight out, yet again.


I also don't have a problem with medical professionals earning what they do. That's not to say that somewhere along the line things didn't go a little extreme, but like Dave said, "education isn't cheap". If you've spent exorbitant sums of money and many years of your life educating yourself in a particular field, and you go ahead into that field, then you deserve to see the fruits of your labor. That's how I believe it should be.

Where I have an issue, is with a system that places such an emphasis on an educational paper trail that it no longer matters where that trail originated, so long as it simply exists. Something's wrong there.

Actually, Dave said "ain't cheap"....

Last edited by sprkplug; 09/24/15 06:57 AM.

"Forget pounds and ounces, I'm figuring displacement!"

If we accept that: MBG(+)FGSF(=)HBG(F1)
And we surmise that: BG(>)HBG(F1) while GSF(<)HBG(F1)
Would it hold true that: HBG(F1)(+)AM500(x)q.d.(=)1.5lbGRWT?
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Originally Posted By: Yolk Sac


And by the way, contractural write offs cannot be deducted by any small business, whether it be a doctor, dentist, attorney, or anyone else.


Or equipment mechanics.


"Forget pounds and ounces, I'm figuring displacement!"

If we accept that: MBG(+)FGSF(=)HBG(F1)
And we surmise that: BG(>)HBG(F1) while GSF(<)HBG(F1)
Would it hold true that: HBG(F1)(+)AM500(x)q.d.(=)1.5lbGRWT?
PB answer: It depends.
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JKB, glad to hear MRI showed no problems.
I am surprised when I see how some people are socialist when it comes to healthcare. America is where everyone has an equal opportunity to do what the want or be what they want. My GP family Doc, just paid off his student loan. He owed in excess of $300,000.00. He is around 35 yr's old. He works 24hr call including weekends and holidays. His days are long which includes office and hosp. patients. Being a Doc is not easy. His liability insurance cost are out of site. In my business my liability ins cost is around $5,000.00 per yr and I am betting his is 3 or 4 times that, if not more. I am not saying I like everything about our health care, my health care insurance cost me $9,600 per yr plus a $2500.00 deductible. Like I said I am not happy about the cost but like I said I am not a socialist, everybody has an equal opportunity here in the USA to be the best they can be.
it's the insurance companies that have the problem, not the Doc's. And the insurance co are in Kahoots with obmacare

Tracy

Last edited by TGW1; 09/24/15 07:05 AM. Reason: additions

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I've been self-employed well before Obamacare came on the scene, and my health insurance has always been sky high.


"Forget pounds and ounces, I'm figuring displacement!"

If we accept that: MBG(+)FGSF(=)HBG(F1)
And we surmise that: BG(>)HBG(F1) while GSF(<)HBG(F1)
Would it hold true that: HBG(F1)(+)AM500(x)q.d.(=)1.5lbGRWT?
PB answer: It depends.
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Originally Posted By: Dave Davidson1
I see problems in a lot of areas. I don't have a problem with Doctors earnings. They spent a LONG time educating themselves and it ain't cheap.

At some time in the future all medical professionals with be hospital employees.


Dave,

No problem with the fact that they spend a lot of money on their educations and deserve a hefty compensation for their skills. And medical school is tough for even smart people Ive been told by folks that went there. (Although a state vet for the Indiana BOAH I know told me some of her friends that were't accepted to vet school made it to a medical school).

I have more of an issue with out of control hospitals and other health care corporations. And there is a difference between being sufficientky compensated and fleecing and gouging people.

My mother-in-law retired from a career in billing and coding. She turned in doctor in because he demanded she pad the bills. She also worked for a Catholic hospital that was anything but saintly.

The system will eventually implode on itself. It can't continue on the track it's on. Just not sure which will implode first: health care or outrageous college fees.


Last edited by Cecil Baird1; 09/24/15 07:48 AM.

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Regarding educational costs for becoming a MD.....medical school is free in Argentina, one only has to pay for the text books.

And hence, MD's make squat in Argentina.

Would I have a mole removed in Argentina? Hell no.

Regarding Canada, we have two offices there (one in Alberta and one in New Brunswick). Their system only works in the rural, less populated areas. In the more populated areas, you cannot get in to see a doctor without an extensive wait time, AND, most everyone in the populated areas has supplemental, paid insurance plans.

I've never heard of anyone going to Mexico (from the USA) to get any procedures done, but if so, so be it. I have heard of folks leaving the USA to get treatments using drugs that have not been approved by the FDA.


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All sucessful governments are a mixture of capitalism and socialism. Social Security, medicare, and medicade are socialism. Try and take SS or medicare away from even the staunist conservative and you'll have a fight on your hands. Many elderly people would be absolutely SOL without the above.

The PPACA has been a lifeline for lots of poor AND middle class but it was a half ass measure because of the partisan opposition that refused to come up with something better.

My brother was a comptroller for 15 years with a degree from one of the best business colleges in the nation. After the economy tanked in 2008 he couldn't buy a job even sending out up to 100 resumes a week. One of my board of directors was in the same boat. Fortunately my brother published a book and sold about a 1000 copies to hold him over, and he worked at Walmart, but PPACA was a Godsend for him as he wouldn't have had healthcare without it. However it wasn't without issues as the insurance company tried their hardest to cancel his policy for nonpay when he had the cancelled checks to prove otherwise. It took some government interference to keep them honest.

Last edited by Cecil Baird1; 09/24/15 07:42 AM.

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Originally Posted By: Sunil
Regarding educational costs for becoming a MD.....medical school is free in Argentina, one only has to pay for the text books.

And hence, MD's make squat in Argentina.

Would I have a mole removed in Argentina? Hell no.

Regarding Canada, we have two offices there (one in Alberta and one in New Brunswick). Their system only works in the rural, less populated areas. In the more populated areas, you cannot get in to see a doctor without an extensive wait time, AND, most everyone in the populated areas has supplemental, paid insurance plans.

I've never heard of anyone going to Mexico (from the USA) to get any procedures done, but if so, so be it. I have heard of folks leaving the USA to get treatments using drugs that have not been approved by the FDA.


Argentina? Comparing the US to Argentina Sunil? You know what a mess the economy is there right? They have one of the world's worst economies although I hear they are coming around finally.

And the Canadians I know have no issues with waiting times in Canada.

Last edited by Cecil Baird1; 09/24/15 07:45 AM.

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Cecil, regarding the comment about some students not making it into Veterinary, and then going into 'human' medicine, a close friend of mine who is a nurse anesthetist told me that when one takes their MCATS, there is only one group higher than that of brain surgery or cardio thoracic, and that is......Veterinary.

So, according to her, those who score the highest, have the option to go to Vet school.

Maybe Yolk Sac can verify that or not.


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Cecil, I'm not comparing Argentina to anything. That country is a shining example of how socialism and liberal politics have destroyed what once used to be a vibrant economy.

I have an office in Buenos Aires and used to go there about four to five times a year.

All the example was showing is what you get from 'free' medical school.


Excerpt from Robert Crais' "The Monkey's Raincoat:"
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anyone on PB ever actually take the MCAT?

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"Is that smoke I see beginning to roll out from under the engine cowling??"

Better be looking for a flat spot to try and land, I'm betting we may need to set this thread down somewhere, soon.


"Forget pounds and ounces, I'm figuring displacement!"

If we accept that: MBG(+)FGSF(=)HBG(F1)
And we surmise that: BG(>)HBG(F1) while GSF(<)HBG(F1)
Would it hold true that: HBG(F1)(+)AM500(x)q.d.(=)1.5lbGRWT?
PB answer: It depends.
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Originally Posted By: sprkplug
I see we've pulled over the firetruck enroute to the house fire, just because it had a taillight out, yet again.


I also don't have a problem with medical professionals earning what they do. That's not to say that somewhere along the line things didn't go a little extreme, but like Dave said, "education isn't cheap". If you've spent exorbitant sums of money and many years of your life educating yourself in a particular field, and you go ahead into that field, then you deserve to see the fruits of your labor. That's how I believe it should be.

Where I have an issue, is with a system that places such an emphasis on an educational paper trail that it no longer matters where that trail originated, so long as it simply exists. Something's wrong there.

Actually, Dave said "ain't cheap"....


I love your couching of the firetruck scenario, it's funny. We are not discussing if the firetruck has a license though. We are discussing if the firetruck can even exist.

On Conservatives not wanting social security gone, HERE I AM! I want it gone!

I will not steal from my children and I sure as heck do not want other free loaders stealing from my children.

fdr got social security through by actually adding supreme court justices to the bench. It, fdr, couldn't get the supreme court justices on the bench to agree with it that social security was Constitutional. When ss passed it was probably the biggest single blow to the Constitution in US history. It opened the flood gates for all the other ponzi schemes the left has installed. The left knew full well that once imbedded into our fabric, these schemes could not easily be removed. You have people actually counting on these schemes to live now and they aren't going to be easily convince to give up the benefit that their stolen money paid for.

Just a note to the mods, please note when the politics of this thread exposed itself. I know we don't like politics here, never understood why people shy away from the natural act of arguing, but when someone espouses that universal healthcare is a good thing it cannot be left to stand as if that's "normal". It is not normal to steal the wealth of another man and give it those who will not take care of themselves.


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Originally Posted By: Yolk Sac

And by the way, contractural write offs cannot be deducted by any small business, whether it be a doctor, dentist, attorney, or anyone else. System is broke, but it ain't THAT broke. There are some tricks that can be used by "Not For Profit" healthcare providers who use accrual basis accounting rather than cash accounting, however. And don't get me started on carried interest.......

Yolk, thank you for dispelling that rumor/myth/tale although, does "small business" come into play at all on that?

Being a licensed insurance rep for over 28 years (although health insurance not being my forte) you can imagine the "flak" I've caught over high premiums on all lines of insurance and of late, the high cost of health insurance premiums. And although there was a law passed several years ago stating health insurers must spend at least 80% of premiums on health care, leaving them 20% to operate on (agent's commissions on health insurance went from 20-25% to 5%. And these are averages but they were drastically cut), their responsibility lies in paying the medical bills they're presented.

Here's one where I have a big problem.

My dad recently had a sinus operation in which there were 3 procedures performed, all relatively minor. Yet when reviewing the bill from the hospital I saw where they charged $900 for the operating room. TIMES 3!

They billed him for 3 operating room charges at $900 each when he never left the room! So seeing this as an error I called the insurer to be sure they were aware of it and wouldn't pay it. Yet, they said they had to pay it because of the way the hospital coded it. Calling the billing dept at the hospital was useless!

To me, this is just a small portion of a very large problem that's getting passed down to us, the insured!

Our premiums are going to continue to rise as long as this type of practice continues; to charge/overcharge/inflate medical bills, and worse, allowing the insurance companies to pay these amounts without scrutiny.

I'm all for affordable health care, but it won't be affordable until these charges become legitimate!

Or is it legitimate to see an operating room charge for each procedure done when you've never left the room? Or doctors walking by, popping their head in to see how you're doing, and charging for it.

This is why I too favor 'affordable health care' on a state level, not the federal govt as I think the people would at least have a little more of a voice (yes, I'm being naive).

Being a single person I'm paying $5k a year in premiums with a $6250 deductible. So I need to dish out over $11,000 before the insurer even kicks in!

For me personally this is not affordable.


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"Tower, I've got a rough idle and I'm declaring an emergency"....


"Forget pounds and ounces, I'm figuring displacement!"

If we accept that: MBG(+)FGSF(=)HBG(F1)
And we surmise that: BG(>)HBG(F1) while GSF(<)HBG(F1)
Would it hold true that: HBG(F1)(+)AM500(x)q.d.(=)1.5lbGRWT?
PB answer: It depends.
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I am guilty of bringing some politics into this when I mentioned Argentina.


Excerpt from Robert Crais' "The Monkey's Raincoat:"
"She took another microscopic bite of her sandwich, then pushed it away. Maybe she absorbed nutrients from her surroundings."

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Originally Posted By: sprkplug
"Tower, I've got a rough idle and I'm declaring an emergency"....


What I do when I don't like the way things are somewhere is leave. If I don't like a book I don't read it. If I don't like the food I don't eat it. Quit reading, starting, participating, in political discussion if you can't hold your own.


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Originally Posted By: Sunil
I am guilty of bringing some politics into this when I mentioned Argentina.


Let he who is without sin cast the first stone.


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Originally Posted By: timshufflin

Just a note to the mods, please note when the politics of this thread exposed itself. I know we don't like politics here, never understood why people shy away from the natural act of arguing

I don't think the mods mind arguing--evem about politics--as long as it's done respectfully and doesn't lapse into a bunch of ad hominem crap. So far this one has maintained itself with decorum, but I'm sure it's only a matter of time until Sparky will bring up the inverse relationship between medical expenditures and stocking HBG, at which time I'll have to take the gloves off.

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