Originally posted by creekster
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High Deductible Insurance
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its not illegal. sliding fee schedule have always been apart of the health care system."Be a philosopher. A man can compromise to gain a point. It has become apparent that a man can, within limits, follow his inclinations within the arms of the Church if he does so discreetly." - The Walking Drum
"And here’s what life comes down to—not how many years you live, but how many of those years are filled with bullshit that doesn’t amount to anything to satisfy the requirements of some dickhead you’ll never get the pleasure of punching in the face." – Adam Carolla
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The discount given to cash paying patients needs to be "within reasonable proximity" for what you bill insurance. The other thing is that your bill has to reflect the full fee, minus the discount plus the payment made.Originally posted by ERCougar View PostThis is a benefit I've also discovered--lower charges for people without insurance billing. I'm not at all involved in billing so I don't know the answer this, but I always thought this was illegal. JIC? Cardiac/hostile?
If you set up 2 different fee schedules, you are hosed."The first thing I learned upon becoming a head coach after fifteen years as an assistant was the enormous difference between making a suggestion and making a decision."
"They talk about the economy this year. Hey, my hairline is in recession, my waistline is in inflation. Altogether, I'm in a depression."
"I like to bike. I could beat Lance Armstrong, only because he couldn't pass me if he was behind me."
-Rick Majerus
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THen we should ween everyone off of crappy low deductible medical plans over a 5-year time horizon. Oh wait, I forgot that most Americans can't save money and are already up to their eyes in consumer debt. Giving them an extra $400 a month that should be saved in a HSA will most likely end up in a newer car or bigger TV.Originally posted by Indy Coug View PostThe irony is that those who are least able to finance the high deductible are the ones that would benefit most from the lower premiums."Discipleship is not a spectator sport. We cannot expect to experience the blessing of faith by standing inactive on the sidelines any more than we can experience the benefits of health by sitting on a sofa watching sporting events on television and giving advice to the athletes. And yet for some, “spectator discipleship” is a preferred if not primary way of worshipping." -Pres. Uchtdorf
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While I agree, the key is "not penalized for having major health problems they can't control would work very well". The problem is that high deductible plans, in my experience, make no provision for this. For instance, I have a child who was diagnosed with Type 1 (juvenile) diabetes at age 3. My employer changed to a high deductible plan and my health car costs went up by several thousand - the cost of the high deductible. If one has a chronic illness or disease, high deductible plans are not a good fit. Otherwise, they seem to work well. Just wanted to offer an opposing view since my family hits it's high deductible first quarter of the year just due to my diabetic child. And there's seldom other health care costs for the spouse and other three children.Originally posted by Eddie Jones View PostGreat post and it hits the nail on the head. People are too far distanced from the true cost of medical care. I'm a firm believer that middle-of-the-road health reform is the worst possible way to get it done. I'm personally a nationalized health care guy but I think a system where people are incentizived to stay healthy (eat well and exercised) and not penalized for having major health problems they can't control would work very well.“Not the victory but the action. Not the goal but the game. In the deed the glory.”
"All things are measured against Nebraska." falafel
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