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I went to zoomcare recently, which is a clinic that does cash and/or insurance. They claim that without insurance the max for a simple visit is $200. With ins
by edgyquant 3y ago
I went to zoomcare recently, which is a clinic that does cash and/or insurance. They claim that without insurance the max for a simple visit is $200. With insurance they charged me over $300, a hundred more than people without coverage. When I asked how that was possible they laughed and said. “You know how insurance companies are.”
No the fuck I don’t. How can they get away with charging more for someone with coverage than without? What exactly is the point of my insurance if that’s the case?
- codegeek 3y agoHence the "middleman mafia" that health insurance is. Can't wait for it to die
- knicholes 3y agoHospitals are now required to publish prices for standard procedures. I was looking at differences in prices for insured vs uninsured, and in one case, it was like 25x difference.
- gehwartzen 3y agoI imagine the actual amount insurance pays out to the practice some amount less than 200$ per visit. Then there’s the overhead for staff having to submit claims and waiting 90+ days to get payed.
- erikerikson 3y agoInsurance companies insist they need to pay some smaller portion of the charges. They expect that getting paid through them you will give them a discount. Raising the insurance charge until insurers pay the same amount as the direct pay clients makes sense as a business. After all, dealing with insurance companies increased costs through increased overhead.
- DavidPeiffer 3y agoI haven't been able to verify, but I was once told at an optometrist or dentist office that they were prohibited from having a different rate for private pay than insurance. Not sure if it was a contractual obligation with insurance companies, a law on the books, or a misunderstanding by the employee.