Thursday, March 4, 2010

Americans Who Like Their Current Health Insurance....

....Haven’t Really Needed to Use It Yet.

This Is the Dirty Little Secret of your health insurance:

When the Hospital Charges You $X Amount for an IV medicine, and $X amount for the solution that carries it, and $X amount for the tubing, and $X amount for the needle, and $X amount for the nurse to stick you, and $X amount for the next nurse to change out the medicine, and $X amount to change out the glucose solution—a “disallow” is the part that the insurance company says, “Unh-uh. No way. We’re not going to pay that.”

These Are the Real Death Panels. They exist right now. We have them today. They are in the hand of the for-profit insurance companies. And there’s not much you can do about it.

Your Doctor Prescribes Your Hospital Drugs, the insurance company later “disallows” them, the hospital tries getting you to pay, but also raises prices elsewhere to cover these costs that it can’t collect from you.

Tens of Thousands of Dollars can be written off your bill by your insurance company this way. This is the hidden part of the broken system that you don’t know about until it happens to you.


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