- Sep 16, 2012
- Reaction score
Found the old guyLoad 16 tons and what do you get?
Another day older and deeper in debt
Went to the Dr the other day for genetic testing. Was told blue cross blue shield would deny the claim because I had no 1st degree family members with the cancer we were looking for. Was told by doing the test out if pocket (250), bcbs would automatically approve all preventative scans and measures if I had certain markers in the results. Honestly, just send stupid as fuck.It's complicated. I mean, most of the time you're not paying the healthcare provider per se, you're paying what your insurance tells you to pay. United Healthcare, which is the worst, automatically denies about 20% of all claims just because it knows a certain amount won't get appealed. When your claim is denied then the provider goes after the customer. No one wants to do that as private pay is the shittiest collection rate in anyone's A/R. That's just one aspect.
It's really just a cluster fuck of a system and rates are certainly predicated upon a certain amount of uncompensated care and/or reduced billings. This is covered by various means including having a charge master that's way out of whack with reality and the fact market forces are minimally invasive at best.
There's a reason I keep pushing for a Bismarck/Bismarck hybrid system.