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<blockquote data-quote="Ricochet1a" data-source="post: 877996" data-attributes="member: 22880"><p>They may not be able to garnish wages, but they certainly can go to court and gain a judgment against you for the amount. With that in hand, they can get their cash in many different ways.</p><p></p><p>Your credit rating would also be trashed. You'd have a negative report filed against you for the unpaid amount, meaning that the interest rates on any variable credit you have would jump, and your ability to apply for new credit would be trashed. </p><p></p><p>All the "hospital" cares about, is that admittance form you sign. When you sign that form, you accept full and complete financial responsibility for all services received. Insurance billing is done merely as an administrative process to speed the collection of funds. When you are admitted to a hospital, any provider which provides care for you will have their billing service get a copy of that authorization form - that is their carte blanche to bill you for whatever service they state they provided to you. That form is the top form in your billing folder, and every provider will make sure they have a copy of it. </p><p></p><p>Real "health care reform" would've changed this dynamic. An admittance form would place the provider in the positon of financial responsibility when the patient's insurance is accepted. For instance, if patient provides insurance "X" upon admission, the provider would then make a decision (a sort of instant credit check) to accept that insurance as providing ultimate responsibility for all payments - with the sole proviso that the patient accept responsibility for all payment up to the maximum amount of the annual out of pocket limit. </p><p></p><p>If the patient has a $5,000 maximum out of pocket with insurance "X", then the patient is automatically limited to that maximum amount of liability - when the provider accepts the insurance provided at time of admittance. This would make it the responsibility of the provider to check for any pre-authorization requirement - if they didn't, they'd eat the billing themselves. Providers have entire staffs which specialize in this activity - how in the hell is a patient and their family supposed to navigate this minefield of arcane medical billing procedures?</p><p></p><p>If the provider doesn't wish to accept the insurance as meeting final financial responsibility, they tell the patient at time of admission. Then it would be up to the patient to accept final financial responsibility (as is current practice) or to find another provider who will accept their insurance. If they can't find a provider who would accept their insurance, they'd know their insurance isn't worth a plug nickel.</p><p></p><p>Both the insurance companies and health care facilities/advocacy groups have plenty of lobbyist to make sure that they are placed at the top of the payment pyramid, and the patient is at the bottom. This is part of the reason for the push to nationalize health care (Obamacare), but that will be rendered unconstitutional in the end.</p><p></p><p>Years ago when I had a family member with an acute condition - and accepted the task of getting the billing resolved - I hired a specialist in medical billing to coordinate the two different insurance providers covering my family member. It cost me, but in the end, the time and effort saved more than made up for what I paid the expert.</p></blockquote><p></p>
[QUOTE="Ricochet1a, post: 877996, member: 22880"] They may not be able to garnish wages, but they certainly can go to court and gain a judgment against you for the amount. With that in hand, they can get their cash in many different ways. Your credit rating would also be trashed. You'd have a negative report filed against you for the unpaid amount, meaning that the interest rates on any variable credit you have would jump, and your ability to apply for new credit would be trashed. All the "hospital" cares about, is that admittance form you sign. When you sign that form, you accept full and complete financial responsibility for all services received. Insurance billing is done merely as an administrative process to speed the collection of funds. When you are admitted to a hospital, any provider which provides care for you will have their billing service get a copy of that authorization form - that is their carte blanche to bill you for whatever service they state they provided to you. That form is the top form in your billing folder, and every provider will make sure they have a copy of it. Real "health care reform" would've changed this dynamic. An admittance form would place the provider in the positon of financial responsibility when the patient's insurance is accepted. For instance, if patient provides insurance "X" upon admission, the provider would then make a decision (a sort of instant credit check) to accept that insurance as providing ultimate responsibility for all payments - with the sole proviso that the patient accept responsibility for all payment up to the maximum amount of the annual out of pocket limit. If the patient has a $5,000 maximum out of pocket with insurance "X", then the patient is automatically limited to that maximum amount of liability - when the provider accepts the insurance provided at time of admittance. This would make it the responsibility of the provider to check for any pre-authorization requirement - if they didn't, they'd eat the billing themselves. Providers have entire staffs which specialize in this activity - how in the hell is a patient and their family supposed to navigate this minefield of arcane medical billing procedures? If the provider doesn't wish to accept the insurance as meeting final financial responsibility, they tell the patient at time of admission. Then it would be up to the patient to accept final financial responsibility (as is current practice) or to find another provider who will accept their insurance. If they can't find a provider who would accept their insurance, they'd know their insurance isn't worth a plug nickel. Both the insurance companies and health care facilities/advocacy groups have plenty of lobbyist to make sure that they are placed at the top of the payment pyramid, and the patient is at the bottom. This is part of the reason for the push to nationalize health care (Obamacare), but that will be rendered unconstitutional in the end. Years ago when I had a family member with an acute condition - and accepted the task of getting the billing resolved - I hired a specialist in medical billing to coordinate the two different insurance providers covering my family member. It cost me, but in the end, the time and effort saved more than made up for what I paid the expert. [/QUOTE]
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