I Need Surgery Because I'm insured

[ElNono]

I think this thread illustrates one of the reasons why medical costs continue to climb.

When you buy auto or house insurance you have a deductible, and they don't pay a cent until you are over the deductible. However, with (most?) medical insurance, you have co-pays and freebies from the start, I suppose to encourage preventive medicine and trying to get you to see the doctor before it's too late. However, you get the cases here where patients are encouraged to get expensive treatments, and patients whining once to get doctors to write prescriptions for self-diagnosed conditions, twice when they actually have to pay for it.

So high deductibles is your solution?
Do you even know what preventive care means?
The word preventive automatically implies you don't have a condition yet, but are trying to prevent one that would cost more to treat down the line.
Nobody was self-diagnosed here. Nobody put a gun to the doctor's head to write a prescription. His professional opinion was requested and he decided. Exactly the person that needs to be deciding these things. Not an insurance mofo on a phone line trying to nickel and dime you to death.

[DarrinS]

I've had nothing but good experiences with my insurance plan.

To the OP: stop doing coke and your sinuses will be fine.



P.S. Climate changes? Holy ! Time to move to higher ground before Manhattan and Miami are underwater.

[Rodriguez]

I know of quotes for treatment of $37K if you don't have insurance, and $137K if you have insurance.

The 1K would be burdened on taxpayers after all. The truth is the government doesn't want to store so many dollars which are shrinking in value, apparently it's a better option to use them here and there than keeping them in your box till they become rubbishes. Besides, the more use of money means the more stimulus to the economy, which is positive for the recovery act.

[ElNono]

P.S. Climate changes? Holy ! Time to move to higher ground before Manhattan and Miami are underwater.

LOL... Come on Darrin, it's never too late to panic!!!!

[101A]

FWIW, I do LOL @ Global Warming...

But on a somewhat related note, we're going overseas next week, and wife wants to take some tamiflu with her. Doctor agrees and writes prescription for 30 pills. Insurance refuses to pay more than 15. Says we can go back in 4 weeks and get 15 more, despite we're not going to be back then. We explain this to insurance, and they still don't want to pay more than 15...
So, we're taking what the insurance wants, not what the doctor wants. Kinda got used to it at this point.

It's not that they don't "want" to - they can't.

There is a specification in the plan some where that limits Tamiflu (and probably all accute drugs) on your plan to a 30ds with a single prescription.

It is common; and the plan is regulated by the GOVERNMENT and cannot make exceptions without running afoul of the Department of Insurance.

If you think similar rules, just as inflexible, won't be included in a govt. run plan then - well, you have no experience with Medicare (A, B or especially D) - and are otherwise delusional.

You're also projecting every problem you have with healthcare and assuming whatever our idiot congress comes up with will cure those ills (so to speak).

Wake up. It will get worse, not better.

[balli]

LMFAO at how stupid the board's republi s are being. Baseline makes a comment about the often flimsy evidence used to bash GW... but they all entirely miss the point, per usual... and just start screaming about what a hoax GW is.

You people are so ed up I can't even believe it sometimes.

[balli]

So get a different insurance plan. Maybe get a better plan from a different state...oh wait the government won't allow that.

So rather than fixing the system, the Republican solution is that I pick up my whole life and move it to Vermont, while a bunch of birthers go out and scream at the people talking in town halls so the debate over how to repair said system can't even take place. Real solutions oriented there, right wing .

And this at ude would be different under a government sponsored insurance plan? Not a chance.

When did I say I wanted or intended to buy into a government sponsored plan? There is certainly no pending legislation that would require me to.

[ElNono]

It's not that they don't "want" to - they can't.

There is a specification in the plan some where that limits Tamiflu (and probably all accute drugs) on your plan to a 30ds with a single prescription.

It is common; and the plan is regulated by the GOVERNMENT and cannot make exceptions without running afoul of the Department of Insurance.

If you think similar rules, just as inflexible, won't be included in a govt. run plan then - well, you have no experience with Medicare (A, B or especially D) - and are otherwise delusional.

You're also projecting every problem you have with healthcare and assuming whatever our idiot congress comes up with will cure those ills (so to speak).

Wake up. It will get worse, not better.

Eh, I don't claim the current proposed plan will make things any better.
The doesn't preclude me from stating that current system is full of .
For all the fear mongering we hear around here, we already have rationed care, we already have a third party deciding what it's good or not for you instead of a professional, and we already have a corrupt system.

[101A]

...we already have a third party deciding what it's good or not for you instead of a professional, and we already have a corrupt system.

Fail.

You CAN get the second 30 day prescription filled; you have a prescription for it, right?

So do it.

NOBODY is stopping you; no third party anywhere.

You just don't want to spend your own $$$$.

Going overseas, but dont' have the money to pay for what YOU think you need? Quit whining.

[balli]

You just don't want to spend your own $$$$.

He spent his own money when he paid and/or worked for his insurance plan.

[101A]

I called my insurance company and told them I wanted steak for dinner; that if I didn't eat I'd end up in the hospital and THEN THEY'D SEE how much not eating costs!!!!!

Those bas s wouldn't pay for it!!!!

[101A]

He spent his own money when he paid and/or worked for his insurance plan.

And that insurance plan is a contract that includes what it will, and won't cover.

I called my auto insurance company, without new brakes, I'm gonna have a wreck - THEY WON'T PAY FOR IT!!!!

[balli]

So when a doctor writes a scrip, it isn't reasonable to expect that you get a full course of whatever prescription it is. Only half?

He's not asking for a steak dinner, he's asking them to pay for the entirety of the prescription his doctor wrote for him.

[clambake]

i only got half of the prescription and my insurance co. told me to get the rest from my butcher.

[boutons_deux]

"I've had nothing but good experiences with my insurance plan."

Therefore, EVERYBODY has good experiences with their insurance plans.

(if they can afford it and if they can find an insurer)

Probably the best part of an employer's plan is that it's free and untaxed. Employee benefits given free because BIG GOVT permits it. Damn, let's all hate and destroy big govt.

[101A]

LMFAO at how stupid the board's republi s are being. Baseline makes a comment about the often flimsy evidence used to bash GW... but they all entirely miss the point, per usual... and just start screaming about what a hoax GW is.

You people are so ed up I can't even believe it sometimes.

I get it; the doctor is to a certain extent $$$ driven; when he realized this person had coverage he pushed harder for surgery.

Not uncommon; Doctors are, ultimately, greedy (as are ALL humans)....

How, exactly, is giving EVERYONE coverage, managed not by insurance company's ALSO hungry for money, but by govt. beureacrats who could give two s how much anything costs, going to fix HIS problem.

Talk about stupid; you're supporting something that is going to make the problem WORSE.

I called my home insurance company and told them I was a filthy bas ; one of those fools piling up garbage all over the house; floor to ceiling; fire hazard at its worst; THEY WON'T COME CLEAN MY HOUSE!!!

Greedy bas s.

[101A]

So when a doctor writes a scrip, it isn't reasonable to expect that you get a full course of whatever prescription it is. Only half?

He's not asking for a steak dinner, he's asking them to pay for the entirety of the prescription his doctor wrote for him.

There is no contract to pay it.

It might as well be a steak dinner.

[101A]

Probably the best part of an employer's plan is that it's free and untaxed. Employee benefits given free because BIG GOVT permits it. Damn, let's all hate and destroy big govt.

Oh how benevelent of our government to let me keep some of MY money!!!

[balli]

How, exactly, is giving EVERYONE coverage, managed not by insurance company's ALSO hungry for money, but by govt. beureacrats who could give two s how much anything costs, going to fix HIS problem.

Talk about stupid; you're supporting something that is going to make the problem WORSE.

I'm not supporting anything but reform. Other than that, there's nothing yet there to support. Certainly not a public option. I do resent that the right wing has taken to loudly interrupting the meetings our elected officials are trying to have on the matter.

I called my home insurance company and told them I was a filthy bas ; one of those fools piling up garbage all over the house; floor to ceiling; fire hazard at its worst; THEY WON'T COME CLEAN MY HOUSE!!!

You can't differentiate between asking a health insurance company to obligatorily pay for the entirety of a written drug prescription and asking homeowners to come clean the garbage from your house? This logic... is incoherent.

[101A]

I'm not supporting anything but reform. Other than that, there's nothing yet there to support. Certainly not a public option. I do resent that the right wing has taken to loudly interrupting the meetings our elected officials are trying to have on the matter.

I support REFORM!!!

Then learn something about the issue! You obviously don't know the first thing about our current system; you just know you don't like it. , think about it, in a thread about a doctor wanting to game the system; we have a guy pissed that he can't game the system!!! Y'all want ALL problems to magically go away; you want to pay nothing for what you want; you want doctors to only precscribe the best course of action - you ant preventive, major, minor AND all things to be paid for ----- and people wonder why the "healthcare" is so damned expensive!!!!

You can't differentiate between asking a health insurance company to obligatorily pay for the entirety of a written drug prescription and asking homeowners to come clean the garbage from your house? This logic... is incoherent.

I can differentiate just fine. You are so blinded by the issue you can't see the correlation.

[Wild Cobra]

Then he asks, "are you insured?"

Me: yes

ENT: Llllllllllets take another look.

Just shows they have ignorant staff. Some people would pay out of pocket if not insured, and if they don't look at others, they are missing out of potential hassle free money.

I remember hearing LOL global warming from the conservatives everytime it snowed anywhere this winter, but they have been strangely silent on San Antonio just having the hottest month ever recorded.

It's called "GLOBAL" for a reason. Regional highs are no big deal.

And furthermore, I haven't seen a new 'global warming is a reality' thread each day that it got up too 100.

Maybe because people like me are tired of trying to teach people the truth who prefer to believe consensus than learn the facts.

[Wild Cobra]

My God, the artic ice decreased while the antarctic ice increased. Why did mankind do this? Why oh why? God help us!

No . Why would "GLOBAL warming" miss the Antarctica?

[DarrinS]

I do resent that the right wing has taken to loudly interrupting the meetings our elected officials are trying to have on the matter.

Like that Democrat doctor in Georgia? It's absolutely un-American.

[balli]

Bookie: Hey balli, you owe me a thousand bucks. You never should have bet on The Cavs.

Me: Okay I have a thousand in my hand. I'll give you 500 now. Come back next week and I'll give you the rest.

Bookie: Actually, I'm leaving town next week. I need the money you owe me. Please pay me.

Me: I have a policy that I don't give out more than $500.00 a week. I don't care what I owe. You want the other $500.00, come back in 7 days.

Bookie: I told you, I'll be out of town in seven days. Plus, I need the money you owe me to help cover my travel expenses.

Me: Tough, I don't care. Here's 500. If you don't come back next week, you're out 500 bucks.

Bookie: You know I'm going to break your ing legs right?

Me: Actually I'm going to hire and dupe a bunch of fake protestors into protecting me.

[ElNono]

Fail.

You CAN get the second 30 day prescription filled; you have a prescription for it, right?

So do it.

NOBODY is stopping you; no third party anywhere.

You just don't want to spend your own $$$$.

How dare I actually try to USE the insurance I pay dearly for every month!
I mean, the shame!!! I should just pay out of pocket and not inconvenience them, right?

Going overseas, but dont' have the money to pay for what YOU think you need? Quit whining.

Again, the misconception here is that I write scripts and I arbitrarily decided I need 30 pills. The prescription was written by a doctor, including the amount, based on his professional opinion.
But I guess I should completely disregard that, and should take your word instead. I mean, after all you write insurance policies!