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UPS Union Issues
UPS's master strike plan???
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<blockquote data-quote="Its_a_me" data-source="post: 5657134" data-attributes="member: 93115"><p>1) It is dependent on the state you live in. For example, in Michigan Surprise Billing legislation was signed into law in Oct 2020. It provides for both non-emergency and emergency situations. </p><p></p><p>In non-emergency situations, out-of-network providers are now required to disclose the estimated cost of care to you at least 14 days in advance of your planned service (or within 14 days if you appointment is sooner). Your signature is required if you agree to pay the amount not covered by your health plan. They make it clear if they are not an in-network provider and that you can contact the health plan to seek in-network providers for a lower cost.</p><p></p><p>In emergency situations--or if an out-of-network provider fails to give you the required disclosure before your planned service--you cannot be balance billed.</p><p></p><p>2) The federal government passed surprise billing legislation in December 2020. This went into effect on Jan. 1, 2022.</p><p>Your health plan generally must</p><ul> <li data-xf-list-type="ul">Cover emergency services without requiring you to get approval for services in advance (prior authorization).</li> <li data-xf-list-type="ul">Cover emergency services by out-of-network providers.</li> <li data-xf-list-type="ul">Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits.</li> <li data-xf-list-type="ul">Count any amount you pay for emergency services or out-of-network services toward your deductible and out-of-pocket limit.</li> </ul><p>So for our plan it means you can never exceed $1,100 (max limit plus deductible) out of pocket.</p><p></p><p>3) Plus...it's becoming less of an issue via the market anyways:</p><p></p><p>[URL unfurl="true"]https://hbr.org/2018/05/do-most-hospitals-benefit-from-directly-employing-physicians[/URL]</p><p></p><p>I don't know where you live, but a canned letter to your state reps on the issue would probably take less time then complaining about it on here. Get enough letters to them and they'll take up the issue.</p></blockquote><p></p>
[QUOTE="Its_a_me, post: 5657134, member: 93115"] 1) It is dependent on the state you live in. For example, in Michigan Surprise Billing legislation was signed into law in Oct 2020. It provides for both non-emergency and emergency situations. In non-emergency situations, out-of-network providers are now required to disclose the estimated cost of care to you at least 14 days in advance of your planned service (or within 14 days if you appointment is sooner). Your signature is required if you agree to pay the amount not covered by your health plan. They make it clear if they are not an in-network provider and that you can contact the health plan to seek in-network providers for a lower cost. In emergency situations--or if an out-of-network provider fails to give you the required disclosure before your planned service--you cannot be balance billed. 2) The federal government passed surprise billing legislation in December 2020. This went into effect on Jan. 1, 2022. Your health plan generally must [LIST] [*]Cover emergency services without requiring you to get approval for services in advance (prior authorization). [*]Cover emergency services by out-of-network providers. [*]Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits. [*]Count any amount you pay for emergency services or out-of-network services toward your deductible and out-of-pocket limit. [/LIST] So for our plan it means you can never exceed $1,100 (max limit plus deductible) out of pocket. 3) Plus...it's becoming less of an issue via the market anyways: [URL unfurl="true"]https://hbr.org/2018/05/do-most-hospitals-benefit-from-directly-employing-physicians[/URL] I don't know where you live, but a canned letter to your state reps on the issue would probably take less time then complaining about it on here. Get enough letters to them and they'll take up the issue. [/QUOTE]
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