Quote:
Originally Posted by True North
That article is an object lesson on why privatized medicine doesn’t work. I can’t even imagine having to worry about which ER I might get taken to and whether I could afford it in the end after suffering a severe trauma where I might not even be conscious.
It's more of an object lesson in how a simple tweak in regulations can solve a problem. Disallow any amount over a fixed percentage of, say, Medicare for services, or allow x + 10% for out of network charges. It's not necessarily a bad thing for people to stay in network given our fragmented health care system - EMR's don't "talk" to one another, you're better off at a hospital where your doc/specialist works, all things considered. (And yeah, I get in a perfect world none of this would be an issue - the point is that this is a very strange/atypical way to do business by Zuck's namesake) As the article noted, hospitals rarely (I would have said never) do this. Strange.
Negotiations with insurers can get tricky - my group got into a go-round with a company who's name rhymes with Broo Kros who negotiated by saying they would pay only x - which was about 30% less that our home HMO with whom we have an agreement that we will give a preferred (best) rate to - which put us in a bind because we also agree as part of our agreement that we'll contract with ANY insurer. Since doing both would have logically ended up in us being paid less than nothing, we ended up not contracting with them with out hospital's consent. (They actually just agreed to table the issue until we got to a solution) We eventually worked it out, but it was a pain in the ass. Dunno if something like that was going on in the article, but it seems possible.
Good news and bad news on the trauma front - if you're fairly ****ed up you're headed for a trauma center. The good news is that you'll get pretty good care - trauma is something US health care is pretty good at, for reasons that should be obvious. The bad news is that it's REALLY expensive. In Nevada (every state varies slightly, but not by much), trauma criteria are set by the State - there's a big meeting every couple of years where the metrics are set. We have three levels - green, yellow, and red. You get slotted depending on mechanism of injury, vital signs and type on injury. Stabbed in the chest/belly - red - $25K or so. Open femur fracture - yellow, 17K - Hit a deer on your Harley, neck pain with good vitals - green, 9K
This is all before I say hello. The money goes to the state system and gets redistributed to the trauma centers so they can have the lights on and me, a trauma surgeon, a gaspasser and whoever else we need to take care of Pokey after he gets his ass shanked by Leon at 3am because Pokey stole Leon's Ipod. Since Pokey has no insurance for his 100K plus bowel resection/colostome/wound infection/liver packing/chest tube, the cost gets shift to the insured motorcyclist who smacks Bambi and breaks his femur. My bill, the hospital bill and everyone else's is added to that. Gets pricey.
MM MD
Last edited by hobbes9324; 01-07-2019 at 02:43 PM.