DavidM Medical. Cost

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Since: Dec 06

Indianapolis

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#1
Feb 12, 2013
 

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We all talk about the high cost of medical care. Even if two or three people are interested to find out the real story it would be worth the time to post it. In 2006 I found out that I had bladder cancer. I was diagnosed this month with a return of the cancer. It is blocking the left urete. That is the tube that connects the kidney and the bladder. I will be having surgery in the near future. Already what would it would cost a person without insurance would have to pay compared what it cost myself and with medicare. Already the break down has been amazing.
Lillian

Indianapolis, IN

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#2
Feb 12, 2013
 

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I'm so sorry you have had cancer and it has returned and you have to have surgery. I'm glad Medicare has paid a good portion. I don't know how people with medical problems survive without insurance. Good luck with your surgery and quick healing.
I Am Moe

Indianapolis, IN

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#3
Feb 12, 2013
 

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Lillian wrote:
I'm so sorry you have had cancer and it has returned and you have to have surgery. I'm glad Medicare has paid a good portion. I don't know how people with medical problems survive without insurance. Good luck with your surgery and quick healing.
Ditto from the Moe crowd.

Since: Dec 06

Indianapolis

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#4
Feb 12, 2013
 

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Thank you. My point will be how much insurance companies get discounted unlike those who has to pay. It is unbelievable for my fist bill.
Lillian wrote:
I'm so sorry you have had cancer and it has returned and you have to have surgery. I'm glad Medicare has paid a good portion. I don't know how people with medical problems survive without insurance. Good luck with your surgery and quick healing.
Ralph

Bloomingdale, IN

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#5
Feb 12, 2013
 

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DavidM wrote:
Thank you. My point will be how much insurance companies get discounted unlike those who has to pay. It is unbelievable for my fist bill.
<quoted text>
nobody wants to hear the word cancer, my family has heard it way too often. We offer our prayers.
I take it your point is that those without insurance get it stuck to them on fees and costs, while those with insurance get discounted nogiated rates. Seems grossly unfair for those without insurance to pay more than those with insurance.

“NOT RUSSIAN”

Since: May 08

and not from Russia

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#6
Feb 12, 2013
 

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Unfortunately David, the high cost of medicine is caused by a few things. The care is priced the way it is so that when 'good' insurance pays out, it pays out higher rates. A lot of insurance co's contract with the hospital systems for a standard (and much lower)payment than what is charged, because the ins cos know that the hospitals are doing X number of procedures daily, it's a VOLUME thing. the more volume you do, the less you can opt to settle for, for payments for a service or goods. it's not always fair, but the hosptials don't seem to be any worse for wear, and the insurance co's DEFINITELY like that system a lot.
Another reason why costs are high is that uninsured ppl can't pay thir bills, but require care. So the people paying their bills, premiums, copays, non-covered drugs, deductibles, are the ones funding the ones that aren't covered. The costs are kept high as a 'gratuity' of sorts, that then provides just enough of a 'profit margin' to provide the funding for charity care that our society needs to have, due to the laws that noone can be turned away due to inability to pay.

It's almost always 'you get what you pay for'. I cannot expect to get a hearing aid free of charge when I only pay $60/mo insurance after a discount for healthy bmi, glucose level, etc. Fortunately my chipped radial head was covered, as well as the phys. therapy after. But I now live with tinnitus because I cannot afford the $150 try-on fees, or the $900 hearing aid. If I'm lucky, I can try a crappy one just to see if it'll improve things, but even that's a $200 investment without a guarantee it'll work long term.
The point is, if you were uninsured, and you had to rely on charity care and needed an operation like that, for NOW, hospitals take care of it. I don't know if the quality of care will plummet or if 'charity care' as it stands will even exist after 2014. I'm dangerously close to being off topic on that one, so I'll stop for now.
DBR

Indianapolis, IN

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#7
Feb 12, 2013
 

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the high cost of medicine is right! A $50 generic Tylenol after surgery is a little much! When the hospital charges outrageous prices for something as simple as a Tylenol or ice pack, what choice do the insurance companies have? My surgery bill seemed awfully high for what was done. I called and asked for an itmeized bill and I was in total shock what was charged for some of the simplest .50 things. Unbelievable and a little sickening!
Russia1513 wrote:
Unfortunately David, the high cost of medicine is caused by a few things. The care is priced the way it is so that when 'good' insurance pays out, it pays out higher rates. A lot of insurance co's contract with the hospital systems for a standard (and much lower)payment than what is charged, because the ins cos know that the hospitals are doing X number of procedures daily, it's a VOLUME thing. the more volume you do, the less you can opt to settle for, for payments for a service or goods. it's not always fair, but the hosptials don't seem to be any worse for wear, and the insurance co's DEFINITELY like that system a lot.
Another reason why costs are high is that uninsured ppl can't pay thir bills, but require care. So the people paying their bills, premiums, copays, non-covered drugs, deductibles, are the ones funding the ones that aren't covered. The costs are kept high as a 'gratuity' of sorts, that then provides just enough of a 'profit margin' to provide the funding for charity care that our society needs to have, due to the laws that noone can be turned away due to inability to pay.
It's almost always 'you get what you pay for'. I cannot expect to get a hearing aid free of charge when I only pay $60/mo insurance after a discount for healthy bmi, glucose level, etc. Fortunately my chipped radial head was covered, as well as the phys. therapy after. But I now live with tinnitus because I cannot afford the $150 try-on fees, or the $900 hearing aid. If I'm lucky, I can try a crappy one just to see if it'll improve things, but even that's a $200 investment without a guarantee it'll work long term.
The point is, if you were uninsured, and you had to rely on charity care and needed an operation like that, for NOW, hospitals take care of it. I don't know if the quality of care will plummet or if 'charity care' as it stands will even exist after 2014. I'm dangerously close to being off topic on that one, so I'll stop for now.

“NOT RUSSIAN”

Since: May 08

and not from Russia

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#8
Feb 13, 2013
 

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http://thewallstreeturinal.blogspot.com/2009/...

This is going to help explain the current system a little better and more in depth than I can. It's a pretty simple straightforward read.
Dorian Gray

Indianapolis, IN

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#9
Feb 13, 2013
 

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Russia1513 wrote:
http://thewallstreeturinal.blo gspot.com/2009/09/obamacare-fo r-dummies.html
This is going to help explain the current system a little better and more in depth than I can. It's a pretty simple straightforward read.
I'm so disappointed. I thought with your elevated super hi IQ you would've written a lengthy dissertation from that brilliant mind.

Btw,how did you acquire your new avatar pic? That's cool how you're using a screen shot from The Shining with Jack Nicholson. That pic is of the hot woman,quickly turned old woman in the film, isn't it?

“NOT RUSSIAN”

Since: May 08

and not from Russia

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#10
Feb 14, 2013
 

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Dorian Gray wrote:
<quoted text>I'm so disappointed. I thought with your elevated super hi IQ you would've written a lengthy dissertation from that brilliant mind.
Btw,how did you acquire your new avatar pic? That's cool how you're using a screen shot from The Shining with Jack Nicholson. That pic is of the hot woman,quickly turned old woman in the film, isn't it?
I've written my share of decent lengthy things, but not dissertations. I'm not sure what you think of my IQ, and it really is none of your business anyhow. I'm not here talking about my IQ. You are.
And the avatar is fractal art I snatched off the web. I ddn't watch The Shining so I don't know what you're talking about, and I don't care.

Since: Dec 06

Indianapolis

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#11
Feb 14, 2013
 

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First CT scan:
Billed for $2830
I paid $175
plan paid $128.27
Insurance discount:$2526.73

Doc to read x-ray:
Billed $175.00
Plan paid 81.07

Doctor I have never heard of for blood test.
billed $157
Plan paid $34.07

I can see where this is going. The office call I just had yesterday was over $500. Did nothing except look into the bladder.

“NOT RUSSIAN”

Since: May 08

and not from Russia

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#12
Feb 14, 2013
 

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Dave. Did you need a CT scan?

In your eyes, you did. But you'd be surprised how many people come in, or worse, bring their KIDS in, to a doctor because they have a headache.

REALLY?
In all the times I ever had a headache, and even if I had several bad ones back to back, did I EVER... in a million years, think it was necessary to go to a doctor for it, much less get an MRI - but that is exactly what doctors do. Because PEOPLE WANT THEM. And they do it, not because they think there's anything WRONG, but because ordering an MRI keeps the doctor from having his ass handed to him and having to close his practice because of frivolous lawsuits, every single time. Then people have the balls to complain.

Do you know how many times I've wanted to stand up and shout at Welfare mothers "ASPIRIN IS CHEAPER!!!!!!!!!! YOU'RE WELCOME!"

Since: Dec 06

Indianapolis

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#13
Feb 15, 2013
 

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Make that two in two weeks. That was the first one. The second one had not been billed yet that was ordered by the second doctor. the second one was the same except with an IV to see the problem more clearly. I have said before, why didn't they look into the bladder before either ct scan? that test should be first because he could see the tumor. Now Surgery Feb 28 to clean out the tumor.
Russia1513 wrote:
Dave. Did you need a CT scan?
In your eyes, you did. But you'd be surprised how many people come in, or worse, bring their KIDS in, to a doctor because they have a headache.
REALLY?
In all the times I ever had a headache, and even if I had several bad ones back to back, did I EVER... in a million years, think it was necessary to go to a doctor for it, much less get an MRI - but that is exactly what doctors do. Because PEOPLE WANT THEM. And they do it, not because they think there's anything WRONG, but because ordering an MRI keeps the doctor from having his ass handed to him and having to close his practice because of frivolous lawsuits, every single time. Then people have the balls to complain.
Do you know how many times I've wanted to stand up and shout at Welfare mothers "ASPIRIN IS CHEAPER!!!!!!!!!! YOU'RE WELCOME!"
Duchess

Greenwood, IN

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#14
Feb 15, 2013
 

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DavidM wrote:
Make that two in two weeks. That was the first one. The second one had not been billed yet that was ordered by the second doctor. the second one was the same except with an IV to see the problem more clearly. I have said before, why didn't they look into the bladder before either ct scan? that test should be first because he could see the tumor. Now Surgery Feb 28 to clean out the tumor.
<quoted text>
I wish you the very best in your upcoming surgery. Peace and good health....

Since: Dec 06

Indianapolis

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#15
Feb 15, 2013
 

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Thank you for your concern. Feb. 28 is now the date. This is the surgery that I am going to have. WARNING it does show the male organ. http://www.youtube.com/watch...
Duchess wrote:
<quoted text>I wish you the very best in your upcoming surgery. Peace and good health....

Since: Dec 06

Indianapolis

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#16
Feb 28, 2013
 

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Today is the day. 1:30 I will be taking a nap.

Since: Feb 13

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#17
Feb 28, 2013
 

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DavidM wrote:
Today is the day. 1:30 I will be taking a nap.
Good morning, hope all goes well for you today, peace and good health.
LeAnne

Indianapolis, IN

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#18
Feb 28, 2013
 

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Praying for your suscessful surgery and quick recovery, David.
DavidM wrote:
Today is the day. 1:30 I will be taking a nap.

Since: Dec 06

Indianapolis

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#19
Feb 28, 2013
 

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Well my Doctor office just called me and said the Doctor is sick. Now looking for next Thursday. I was hoping to just get it over with.
Ralph

Bloomingdale, IN

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#20
Feb 28, 2013
 

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DavidM wrote:
Well my Doctor office just called me and said the Doctor is sick. Now looking for next Thursday. I was hoping to just get it over with.
Sorry, nobody looks foward to surgury. A nap is always nice though!

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