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In theory you can predict the total cost for things covered by insurance, but there are many layers of complex bureaucracy involved and the insurance company is
by mayneack 6y ago
In theory you can predict the total cost for things covered by insurance, but there are many layers of complex bureaucracy involved and the insurance company is actively trying to get you to fall through a crack and end up on the hook for a real bill. The insurance company also is practically the arbiter of whether or not you did it correctly.
The best example, is that you can go in for a surgery or something at a covered hospital for a covered procedure, but you can be surprised because some doctor assigned to you isn't in your network. Sometimes this happens after you're already under knocked out for the surgery, so you can't practically consult your complex policy at the time.
- dr-detroit 6y agoThis is one of those things they should teach in highschool. You pay $200/person premiums and you have to go to WAR with these clowns over the phone to get them to cover things when they owe you.
- phkahler 6y agoThat has created an entire industry called "medical billing" where the job is to submit claims properly so as not to be rejected. To be fair, fraud is probably a thing from every angle so having some process to prevent that makes some sense. But for patients with serious problems or families of those that just died, battling bureaucracy over large sums of money can be brutal.
- mmcnl 6y agoHow can your example even be legal?
- jpindar 6y agoThe lawmakers have good insurance and are wealthy enough to pay for the rest of it.
- mayneack 6y agoThe positive spin on this is that it allows for more "consumer" choices. With 300 million people, it's easy to find a few individuals pushed into a worse situation. People consistently underrate how bad the status quo is.