I’ve been waiting for the bills (11) to trickle in after my breast cancer brush in June so I could wrap my head around how totally out of control our healthcare system is, and how Obama, in fixating on insurance, completely missed the target.
If you’re just tuning in, as the result of a fishy mammogram, I ended up having a benign lump the size of a pencil eraser removed from my right breast.
I was just able to sum up the whole situation in one sentence, but thanks to the wonders of modern medicine, it actually took a month and 5 visits.
Total cost if I had no health insurance…
(Not including the original routine mammogram, which was $345.)
But I do have insurance. After I paid my $2,250 deductible (+ $284 in monthly premium), Anthem paid exactly $2,945.
I owed an additional $513 because Anthem has me on an 80/20 split.
Here’s the kicker: Anthem “disallowed” $17,921 — 76% — of the $23,629, so the total owed was only $5,708.
But if I were uninsured, I’d be on the hook to pay the whole $23,629.
Question 1: If the medical system can continue to function collecting only 24% of their charges, WHY are they trying to rob the uninsured?
Question 2: Why must insured and uninsured alike undergo and pay for physician CYA, providing THEM defense against a malpractice suit? Did I really NEED 2 additional rounds of mammograms and 2 ultrasounds, not to mention that stereotactic outrage where they drilled in and ripped out a half-ass piece of the lump for “testing?”
As soon as they saw that white spot on my mammogram, they hustled me off to a surgeon while everybody said it was nothing. They knew where this was going — or they SHOULD have, since this is their “profession.” Why not just knock me out, do the fucking lumpectomy, and be done with it? It would have knocked $4,532 in preliminary bullshit off the bill.
Instead of playing cute with insurance companies and whistling when hospitals are trying to stick every patient with the full cost of running the place for every moment the patient is in the building, our brilliant lawmakers should be legislating that everybody involved with healthcare GET REAL about costs and stop the gouging.
In the meantime, we schmucks who need the services will continue getting screwed, if not by the insurance companies, then by the medical providers themselves.
PS: And does Bon Secours really need to send a letter before every invoice, telling patients a bill is coming? Is this not silly and wasteful on every level? To top it off, in addition to collecting only 24% of their original billing, they offered me a 10% discount for paying my portion within 30 days (which, of course, I accepted).
And yet they manage to stay in business.
Could you live on less than 24% of what you earn unless your paycheck was obscenely inflated in the first place?