Quote:
Originally Posted by Kich867
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Does anyone remember, when you had like a $40 copay, and went to the doctor, you'd just fuckin swipe your card and that was it? Where the fuck did that go? Why do those bills have to go to my health insurance company, we already made an agreement, that's the whole point of a copay.
Does anyone know why that is no longer a thing? I remember like 10 years ago going to an ENT, paying my copay, seeing the ENT, leaving, and that was as complicated as my interaction with doctors had to be.
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Bruh, now we got individual deductibles vs family deductibles and induvial vs family out of pocket limits, and then its not just co-pays anymore, some people have co-insurance (and some have both!), but then maybe your company has you set up on an HRA plan, or maybe they gave you a credit card specifically for healthcare through your HSA account. Getting x-rays on your visit? Imaging is a negotiated at totally different rates so all of the above I just listed will be different numbers. Prescriptions? All of the above numbers are different for that because its negotiated at different rates with different pharmacies. And if you are a healthcare provider you try to check these rates quickly online, but a lot of times what your co-pay is on your card is not the same as what it says when your insurance is run on the computer. People love that.
And that is why we get remittance advice and you get an explanation of benefits and why doctors will just take immediate payment at a discount because you never really know exactly who is getting paid what and who is responsible for what until 4 months after your visit when the insurance company actually runs your stuff.