5 ms·

Heh. I have tried to call to see the cost. I see a retina specialist twice a year. I recently changed to a high deductible plan with an HSA. I called to see wha

Heh. I have tried to call to see the cost. I see a retina specialist twice a year. I recently changed to a high deductible plan with an HSA. I called to see what the cost of my appointment would be. They could not or would not tell me. Incall three separate times, talking to different people and different departments. I went in and continued asking the front desk. "It depends on the services you end up getting." Ok, sure, but for a standard appointment, what then? "I can't say." Listen lady, I'm looking for a ball park. $50? $100? $1000? $5000? "Oh, I can't imagine it will be that much." Which one? "We will have to just bill you after." So absolutely frustrating. It ended up being like $150. Without price transparency like a public menu, we won't get better.

maxxxxx 9y ago
The same happened to me when I had an HSA. Estimated price for a procedure was first $4000, then $2000, then $100. Eventually paid $500. they just seem to make up prices.
- inopinatus 9y ago
  As the anecdotes offered in these threads illustrate, it is not possible to cost or value healthcare on an individual basis. Therefore, any market for individual purchase of healthcare (whether via insurance or directly) can only have faulty price signals. Systems based on markets with faulty price signals are wide open to manipulation. The perpetuation of such markets is contemptible, and particularly so in the case of healthcare since there is a straight line to be drawn from dysfunctional systems to human suffering.
- jjeaff 9y ago
  I don't think they necessarily make up the prices, but I wonder if there is an accounting reason for the "MSRP" on procedures being so high. I will frequently see things like a $2,000 charge to the insurance company and then it will show that they ended up paying something like $185 for the service and they disallow the rest. Perhaps it is just to make sure they always get the max from the insurance companies. Or maybe they are able to write off the portion that the insurance company won't pay as a loss or bad debt.
  - Pokepokalypse 9y ago
    I've heard explanations that it has to do with something called "pay master" software, which sets the prices - but they do set a high price as a negotiating point for insurance companies. Personally, I believe this practice to be outright blatant fraud. There is a complete lack of price-transparency for the end-user, whether there's an insurance company involved or not. And for people who supposedly champion the so-called "Free Market", Congressional Republicans are certainly quiet on this one issue, when they're criticizing the current healthcare system and regulations.
    - carlmr 9y ago
      That's what I read as well. Basically we need price transparency, insurances paying the same as the non-insured, and lower awards in law suits against hospitals/doctors and America would have one of the cheapest healthcare systems in the world in no time.
    - jjeaff 9y ago
      While I agree that lots of offices don't know their costs off hand, I have not had much trouble getting quotes for specific procedures. The real problem is that I rarely have any reason to ask if my insurance is going to cover all of it.
- rosege 9y ago
  from my limited experience with health care in the US, it seems more like a 3rd world bazaar where you haggle over it.

maxxxxx 9y ago

The same happened to me when I had an HSA. Estimated price for a procedure was first $4000, then $2000, then $100. Eventually paid $500. they just seem to make up prices.

inopinatus 9y ago
As the anecdotes offered in these threads illustrate, it is not possible to cost or value healthcare on an individual basis. Therefore, any market for individual purchase of healthcare (whether via insurance or directly) can only have faulty price signals. Systems based on markets with faulty price signals are wide open to manipulation. The perpetuation of such markets is contemptible, and particularly so in the case of healthcare since there is a straight line to be drawn from dysfunctional systems to human suffering.
jjeaff 9y ago
I don't think they necessarily make up the prices, but I wonder if there is an accounting reason for the "MSRP" on procedures being so high. I will frequently see things like a $2,000 charge to the insurance company and then it will show that they ended up paying something like $185 for the service and they disallow the rest. Perhaps it is just to make sure they always get the max from the insurance companies. Or maybe they are able to write off the portion that the insurance company won't pay as a loss or bad debt.
- Pokepokalypse 9y ago
  I've heard explanations that it has to do with something called "pay master" software, which sets the prices - but they do set a high price as a negotiating point for insurance companies. Personally, I believe this practice to be outright blatant fraud. There is a complete lack of price-transparency for the end-user, whether there's an insurance company involved or not. And for people who supposedly champion the so-called "Free Market", Congressional Republicans are certainly quiet on this one issue, when they're criticizing the current healthcare system and regulations.
  - carlmr 9y ago
    That's what I read as well. Basically we need price transparency, insurances paying the same as the non-insured, and lower awards in law suits against hospitals/doctors and America would have one of the cheapest healthcare systems in the world in no time.
  - jjeaff 9y ago
    While I agree that lots of offices don't know their costs off hand, I have not had much trouble getting quotes for specific procedures. The real problem is that I rarely have any reason to ask if my insurance is going to cover all of it.
rosege 9y ago
from my limited experience with health care in the US, it seems more like a 3rd world bazaar where you haggle over it.