insurance

Discussion in 'UPS Discussions' started by ja4079, May 31, 2006.

  1. ja4079

    ja4079 ja4079

    I just called our wonderful insurance to find out what if anything they pay on colonoscopy, only if you have colon cancer and are dying will they cover it of course after you have met your deductible, if it is a baseline for those of us that are 50 and recomended. Our doctor charges 1330.00 Now why will they not cover preventative, don't understand why they would rather pay more later!!!!!! Once again our union has done us in with this insurance and pension mess! We used to have the best now we have the worst.
     
  2. traveler

    traveler Where next? Venice

    ja4079,

    First, is that the doctors charge or the doctor plus the facility cost? Where I live it is generally $1,000 for the doc plus $1,000 for the facility. Usually, both numbers are negotiable.

    Tell the doctor that you have no insurance for this procedure and ask what he would charge you directly. (Ask the facility too if that's a separate charge. Most doctors I've dealt with will give you either a price that insurance would actually pay or the Medicare reimbursement amount.

    By the way, they are not allowed to charge you less that Medicare if they accept any Medicare payments! Your friendly and helpful government at work here!!!
     
  3. brett636

    brett636 Well-Known Member

    Thats interesting, how are you supposed to be diagnosed with colon cancer if they don't perform a colonoscopy.
     
  4. sendagain

    sendagain Member

    Shouldn't you really be rubbing the sweat off your forehead in relief at this news? "That's right honey, the insurance won't cover it; looks like I'll just have to do without that exam."
     
  5. diadlover

    diadlover New Member

    ignorance is bliss I guess.
     
  6. moreluck

    moreluck golden ticket member

    Does your ins. cover this........

    Flexible Sigmoidoscopy

    <TABLE cellSpacing=0 cellPadding=0 width=0 align=right border=0><TBODY><TR><TD>[​IMG]</TD></TR><TR><TD>The digestive system
    </TD></TR></TBODY></TABLE>
    Flexible sigmoidoscopy (SIG-moy-DAH-skuh-pee) enables the physician to look at the inside of the large intestine from the rectum through the last part of the colon, called the sigmoid or descending colon. Physicians may use the procedure to find the cause of diarrhea, abdominal pain, or constipation. They also use it to look for early signs of cancer in the descending colon and rectum. With flexible sigmoidoscopy, the physician can see bleeding, inflammation, abnormal growths, and ulcers in the descending colon and rectum.
     
  7. dannyboy

    dannyboy From the promised LAND

    While we are on the subject, we had a meeting at the building where the district sup was in attendance. One of the items under discussion was the overwhelming OT.

    Donald, one of my fellow drivers made the statement that he was sure something was wrong with his digestive tract.

    The district manager asked him what were the problems he had noticed.

    Donald, without even blinking an eye said "well, when I have to go to the bathroom, I cant even form a turd anymore. I guess its where you all have F%&#*d me so many times and for so long."

    Well for about a week, they did get the OT down to less than 9 hours.

    Anyway, sorry for derailing the thread.

    I had one done 5-6 years ago, and none of it came out of my pocket. Not sure if the teamsters insurance paid it all or my wifes insurance paid a portion of it. But I never paid a dime.

    What ever the cost, if you have any suspicions of something being wrong at the south end, getter checked out. And if the docs wont do it cheap enough, maybe your center manager will do it. After all, he spends most of his time on your ass?

    Best of luck!

    d
     
  8. over9five

    over9five Moderator Staff Member

    JA, why do you want one? Do you have any symptoms?

    I had one last year, but I had symptoms that had to be checked out. Insurance paid for it all.
     
  9. handrail_hank

    handrail_hank New Member

    Our insurance has definitley cut back our benefits. I was just admitted to the hospital 2 days ago for chest pains. I went through emergency tuesday morning , had a ct scan and blood work done.The doctor wanted to keep me over nite for observation and do a stress test and more blood work today.Before they would admit me from ER to a room, I had to pay $105.00, up front, for a private room which shared a bathroom with the room next door. I questioned the financial staff about this and they said that they had contacted central states/blue cross and this was necessary for me to be admitted. In 23 years, I have never had to pay one penny up front when going to the ER and then being admitted to the hospital ( for me or any of my family) . Our health benefits continue to be cut.
     
  10. diadlover

    diadlover New Member

    I don't know where all this "bad" insurance talk is coming from. I recently went in for a reduction for my large unit and the copay was only $10. The reason the insurance company covered it was because I could not have intercourse with any females because I was too large and they deemed it medically necessary. That may be the reason for all my hostility.
     
  11. moreluck

    moreluck golden ticket member

    Hank...hope everything's OK for you

    DL....you are so full of :censored2:!!
     
  12. diadlover

    diadlover New Member

    Yeah I am, I just wanted to pretend it was real for a few minutes. Thanks for taking it away!
     
  13. DS

    DS Fenderbender

    Here in Canada we have health insurance but we pay dearly for it.
    15% tax on everything.But its nice just handing over the card at the hospital.For the record,I`ve had 2 colonoscopies and a big time hemmorhoid operation, same doctor 3 times.Just make sure you get put out.I was awake enough to see my first one...fantastic voyage...no thks
     
  14. dannyboy

    dannyboy From the promised LAND

    Hey there lover, moreluck was talking about you and women together, not your ah your, well you know.

    But I guess when you stick it where it was never intended to be..........

    But then again, what ever rocks your boat.

    d
     
  15. diadlover

    diadlover New Member

    That made absolutely no sense. I guess your implying again that I'm gay. *yawn* oh I mean sure danny thats hilarious. Very original.
     
  16. dannyboy

    dannyboy From the promised LAND

    I didnt imply, you did.

    But then again, you won. Still not sure what, but what ever it is, you won.

    But then again, what would one expect from a dillweed?

    d
     
  17. diadlover

    diadlover New Member

    Do I really bother you this much? Who do I remind you of? Maybe a neglectful or abusive father figure perhaps?
     
  18. dannyboy

    dannyboy From the promised LAND

    No actually my father liked women. Only person I can think you remind me of is ....is....well Ok, I'll admit it. I dont know a dillweed.

    d
     
  19. ikoi62

    ikoi62 Member

    i had one a few years ago after a good friend found out to late he had cancer there, he passed away a year after he found out , i was 40 at the time had it done and they found nothing..insurance paid it all except about 20$
     
  20. diadlover

    diadlover New Member

    As you can see, my opponent is very tempermental. How can we trust him? Remember, DIADLOVER IN '06!!