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All seriousness aside.....Important question....So does that left leg glow in the dark so you can see to go pee in the middle of the night without turning on the lights? grin

Last edited by Bill D.; 08/19/15 08:49 PM.

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Congrats on the great news!!!
















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Originally Posted By: Bill D.
All seriousness aside.....Important question....So does that left leg glow in the dark so you can see to go pee in the middle of the night without turning on the lights? grin


That would be handy!

I once found a pair of reading glasses that had an LED light on each side. Made it really handy to walk from the bed to the bathroom in the middle of the night without turning on a light or tripping over the dog! Only probem was I destroyed them accidentally like I normally do with my reading glasses.

Glad you got good news Phil. Cancer is scary stuff.

Last edited by Cecil Baird1; 08/21/15 09:31 AM.

If pigs could fly bacon would be harder to come by and there would be a lot of damaged trees.






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Thanks Cecil!!

Nice to know there isn't anything really nasty going on, but now I'm starting to get the bills for all this BS and finding out my insurance company has different plans on how to pay for all of this, namely me coughing it up while they sit on their ass and get fat on the weekly premiums that are deducted from my check.

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It's even better when you're self-employed and get to foot the bill for the entire thing yourself, because the 800 bucks per month that you pay for health insurance doesn't even get you a reasonable deductible.


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If we accept that: MBG(+)FGSF(=)HBG(F1)
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I'm for universal health care. Single payer. It's time.

A friend in Canada has no bill and no copay. And contrary to what you hear he says he gets good care and doesn't wait any longer than here for procedures. Just about every other developed country in the world has it except the U.S. The medical and pharmaceutical industry have a strong hold on our congress critters.


Last edited by Cecil Baird1; 09/22/15 03:26 PM.

If pigs could fly bacon would be harder to come by and there would be a lot of damaged trees.






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Originally Posted By: sprkplug
It's even better when you're self-employed and get to foot the bill for the entire thing yourself, because the 800 bucks per month that you pay for health insurance doesn't even get you a reasonable deductible.


I hear ya! Fortunately for me I got on my wife's group plan where she works. Still not cheap!

My niece's daughter that got adopted into a doctor's family in appalachia of all places is on his fifth luxury car, a new monster size house and in ground pool in a gated community. Somebody's got to pay for it!


If pigs could fly bacon would be harder to come by and there would be a lot of damaged trees.






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Originally Posted By: Cecil Baird1
I'm for universal health care. Single payer. It's time.

A friend in Canada has no bill and no copay. And contrary to what you hear he says he gets good care and doesn't wait any longer than here for procedures. Just about every other developed country in the world has it except the U.S. The medical and pharmaceutical industry have a strong hold on our congress critters.


I'm glad some one else has enough sense to see it that way
You are totally right Cecil

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Originally Posted By: Pat Williamson
Originally Posted By: Cecil Baird1
I'm for universal health care. Single payer. It's time.

A friend in Canada has no bill and no copay. And contrary to what you hear he says he gets good care and doesn't wait any longer than here for procedures. Just about every other developed country in the world has it except the U.S. The medical and pharmaceutical industry have a strong hold on our congress critters.


I'm glad some one else has enough sense to see it that way
You are totally right Cecil
Where do rich Canadians go for medical procedures? Google it...

Sean

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Rich folks go where they want , the rest of us can't......

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Since we are on the subject....when I get my EOB (Explanation of Benefits) from my insurance company, it has a column for what the doctor charged and another one showing the insurance negotiated rate. I recently got an EOB for some routine blood work I had done where the doctor's office submitted a claim of $370 for one test but the insurance company rate was $22. As I had not satisfied my deductible, I paid $22. If I could not afford insurance I would owe the doctor $370 for that test. Obviously, the doc's office was still making money at $22...and they wonder why people without insurance can't pay their bill? Wouldn't it be nice if the price was standardized so one price fits all???

Last edited by Bill D.; 09/22/15 09:20 PM. Reason: Clarification

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Kinda strange that the insurance co. And not the doctor is making all the decisions and setting the price that they will pay lower than the actual cost of the services.....

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I'm guessing the insurance company sets the price and the doc accepts it if they want to see patients carrying that insurance. The reason I say that the insurance company must set the price is I can't imagine the insurance folks negotiating with dang near every doc in the country! My thought is the doc must still be making money or they would not accept that insurance. I actually don't know. It is just something I've always wondered about.

Last edited by Bill D.; 09/22/15 10:18 PM. Reason: Clarification

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The networks set the negotiated costs which the providers accept. However, the doctor charges $370, accepts the negotiated cost of $22 and the doctor writes off the $348 as a business loss.

So the doctor sees 20 patients per day, charges $7,400.00, accepts $880.00 and writes off $6,960.00 as a loss.

Multiplied by 52 weeks, 5 days per week (260 days) = $228,800 paid, $1,809,600 written off as a loss.

So I've been told, and if it's true, consider what the doctor's practice bills out daily. Then consider what the hospitals bill out daily. Then consider how much is written off as a business loss each year and how this might affect their tax rate and what they pay(?) in taxes.

Again, I don't know this as fact but it's what I've been told and it seems believable (I wanted to say logical?) to me.

I also have a client who's a radiologist, who told me monthly he earns $30k as a base salary, and averages $70k per month in bonuses from the hospital. I would be interested to know how those bonuses are figured!

I wonder if I'm too old to start med school?

PS - as a disclaimer, I have the utmost respect for all health care providers, what they do and the care they provide. But IMO affordable care it is not.


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I don't understand this insurance stuff at all, but the gal at work said it's not what I think, so I'm bringing all this to her so she can enlighten me. The price for the tube ride has me a tad nervous.

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Phil,

Don't let them railroad you into paying the full amount. It's a purposely inflated amount. They will negotiate, which should tell you something about how honest the fee is. If I did that with any of my customers I'd have the BBB camping on my doorstep.

My mother-in-law's bill for two weeks of out patient dialysis (6 sessions) was $999,99,09.00. I'm not making that up! If that isn't a number pulled out of someone's *** I don't know what is. Medicare agreed to pay $6000.00.

Last edited by Cecil Baird1; 09/23/15 09:05 AM.

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Btw Phil; it would be interesting to know if your doctor owns the MRI machine. If so he has an incentive to charge more. Sames goes with doctors that own the lab or are part owners of a lab that do blood testing etc.

And many people don't know that many oncology doctors share the profits in chemotherapy drugs. Kind of a conflict of interest don't you think?

Had an aunt that had an inoperable terminal brain tumor. 100 percent terminal. Guess what? The doctor convinced the gullible family to do the chemo. She died a miserable death with no dignity with nasty side effects from the chemo like a mouth full of thrush. One cold sore is enough. Can you imagine a mouth full? Karma is a bitch though. He got killed on his motorcycle just after she died.

I changed doctors because my doc was charging me close to $100.00 for a periodic blood test to monitor the effects of a cholestoreol drug I'm taking. Insurance covers 100 percent with my new doctor. What'd bet my last doctor has a financial interest in the lab?

Hey while I'm being cynical I'll throw this out: Most medical students go into the profession for the money they want to make. Definitely not altruism!


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I think the medical profession is probably the same as a lot of other vocations. There are both good, and not so good practices represented in most every career one can choose. My GP retired so I am currently on the hunt for a new one, and I hope to be as satisfied with whomever the new doc is, as I was with the old one. I have nothing but the highest regard for my endocrinologist also.

Both doctors always display(ed) a genuine concern for my well being, and I am (was) comfortable placing myself under their care.


"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: Cecil Baird1
My mother-in-law's bill for two weeks of out patient dialysis (6 sessions) was $999,99,09.00. I'm not making that up! If that isn't a number pulled out of someone's *** I don't know what is. Medicare agreed to pay $6000.00.

Cecil, did you see my post above JKB's about writing off the difference as a business loss?


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Originally Posted By: Lovnlivin
Originally Posted By: Cecil Baird1
My mother-in-law's bill for two weeks of out patient dialysis (6 sessions) was $999,99,09.00. I'm not making that up! If that isn't a number pulled out of someone's *** I don't know what is. Medicare agreed to pay $6000.00.

Cecil, did you see my post above JKB's about writing off the difference as a business loss?


Sure did! Just absolutely astounding isn't it?

Several monster hospitals here in Ft. Wayne are "non-profit.". Hmm... I wonder why that is? You can bet they still get their full salaries including the BOD's and CEO.


If pigs could fly bacon would be harder to come by and there would be a lot of damaged trees.






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I'm on Medicare. At 72, I'm uninsurable by anyone else. The meds I can get keep shrinking. I get my meds statement monthly and find that I'm generally paying about 70+% of the cost. And, I'm paying over $100 per month in prescription premiums.

Fewer doctors are even taking medicare patients. And, after the first couple of visits to specialists, I'm turned over to Nurse Practicioners. That's OK, because most seem to know what they're doing.


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Cecil, have ya noticed that one of the major hospitals add says at end of the commercials that the hosp is "partially physian" owned?


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Originally Posted By: Bob-O
Cecil, have ya noticed that one of the major hospitals add says at end of the commercials that the hosp is "partially physian" owned?


Didn't notice that Bob but it makes sense.


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I suspect there is somewhat of a collusion between the healthcare, insurance, and pharmaceutical industries.

A few years ago, my 30 year old uninsured niece needed a CTscan, so she went to Mexico and had one done for $75.

I know another lady who went to Mexico for gastric bypass surgery. She said the entire package, including air travel, hospital and hotel stay, cost a fraction of what the procedure itself would have cost in the US......... She lost a ton of weight.

On a related note: I recently started watching season 1 of a pretty cool Cinemax series called "The Knick" The story is centered around a cocaine addicted cutting edge surgeon who is practicing in a struggling New York city hospital, circa 1900.............. It's a stark contrast to today's hospitals, to say the least. eek


Oh yeah, JKB. Glad your MRI was clear.

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I had to buy some eye drops for cataracts surgery.
1 drop, 4 times a day for 3 days = 12 drops. Cost $142.


Just do it...
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