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Clinton unveils mandatory health care insurance plan
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<blockquote data-quote="diesel96" data-source="post: 246580" data-attributes="member: 9859"><p><em>It's true, we don't not know the charge beforehand the procedure, I guess if we are a real stickler the office mgr might give us the time of day and review the billable items towards our ins carrier and most certainly collect their co-pay from us. The ins carrier (supposedly) acts as an watchdog from the medical field overcharging to protect themselves and to keep the shareholders happy. Hence HMO's and PPO's. If the medical provider refuses to adjust their charges guess who gets billed..the patient. Eventually, the ins carrier (Central States) sends us an "Explanation of Benefits" which summerizes total charges....allowed charges....total benefit..etc.</em></p><p><em>By law, to resolve discrepancies, we have an appeal procedure. If by the 2nd appeal attempt you are still denied then you have the right to bring suit in an attempt to recover benefits, enforce rights or to clarify rights to future benefits.</em></p><p><em>IMO the medical field and the profit driven Ins Carriers fear if the Gov't flexes it's muscles and provides an (optional) Medicare-like public plan and sets standards as far as billing allowed, charges allowed, deductibiles,benefits..etc</em>...<em>Unless the private industry complys and regulates it's self, you might see the masses willingly jump ship from private care plan to public care plan. Undoubtedly this proposed Healthcare Plan will drive costs down for all and those of us who prefer to remain with our present Doctors and Carriers. </em></p></blockquote><p></p>
[QUOTE="diesel96, post: 246580, member: 9859"] [I]It's true, we don't not know the charge beforehand the procedure, I guess if we are a real stickler the office mgr might give us the time of day and review the billable items towards our ins carrier and most certainly collect their co-pay from us. The ins carrier (supposedly) acts as an watchdog from the medical field overcharging to protect themselves and to keep the shareholders happy. Hence HMO's and PPO's. If the medical provider refuses to adjust their charges guess who gets billed..the patient. Eventually, the ins carrier (Central States) sends us an "Explanation of Benefits" which summerizes total charges....allowed charges....total benefit..etc.[/I] [I]By law, to resolve discrepancies, we have an appeal procedure. If by the 2nd appeal attempt you are still denied then you have the right to bring suit in an attempt to recover benefits, enforce rights or to clarify rights to future benefits.[/I] [I]IMO the medical field and the profit driven Ins Carriers fear if the Gov't flexes it's muscles and provides an (optional) Medicare-like public plan and sets standards as far as billing allowed, charges allowed, deductibiles,benefits..etc[/I]...[I]Unless the private industry complys and regulates it's self, you might see the masses willingly jump ship from private care plan to public care plan. Undoubtedly this proposed Healthcare Plan will drive costs down for all and those of us who prefer to remain with our present Doctors and Carriers. [/I] [/QUOTE]
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