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by micaksica
2898 days ago
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> If I go see a doctor, I have no idea if I will end up with a $40, $400, $4000, or $40,000 bill until the bill comes months later and I have to pay it. NO IDEA. This is what's really strange about the American healthcare system. For everything else in America you can either get a price up front or an estimate of total costs up front. Why should going to the doctor be any different than going to a mechanic? Pay advertised flat rates for issue diagnosis, and get estimates for the problem. Yes, in cases of emergency you can't really shop around too much, but the majority of the time you're going to a doctor, you could at least call and get estimates of how much things will cost. It's not even possible to do this with most healthcare organizations. If you call your doctor's reception and ask "how much will it cost for this visit?" they'll tell you they don't do billing and they won't know until it's processed by insurance. Price transparency in the healthcare market - or at least some decent estimate of it - would be a great thing to see. American healthcare is ridiculously inefficient because it appears wholly designed to be byzantine. |
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It gets worse. Each entity in the system applies their own rules. eg a friend had an eye exam at the doctors and they took 11 months to bill[0]. The doctor group pointed out their small print says they have 12 months to bill. The insurance company had a shorter time frame and refused to pay. But it was a scam - the doctor had changed the diagnosis code to get more money, and the insurer would have refused to pay so they kept more money. My friend lost.
It is very easy to see which proposals will "fix" things. Look at which groups make less money due to the fixes (doctors, insurers, medical groups, equipment makers, drug companies etc). It is extremely rare for that to be shown, and all those groups will fight to keep what is "theirs".
> American healthcare is ridiculously inefficient because it appears wholly designed to be byzantine.
I like the word confusopoly https://en.wikipedia.org/wiki/Confusopoly
[0] those fortunate enough not to deal with USA healthcare are probably wondering how this could happen. The answer is that any visit now results in a blizzard of electronic and paper communication, including satisfaction surveys, "courtesy" statements with many dollar numbers all over them that don't add up, stuff telling you legal information, and more saying one party has done stuff (eg billed or paid) on your behalf but you are still liable if it doesn't all complete, co pays, deductibles, random others because of in and out network nonsense etc. And this is a superficial description - how would anyone know?