cddolphin Posted February 19, 2018 Share Posted February 19, 2018 4 minutes ago, LETSGOBROWNIES said: Profit off services provided? Isn’t that how every other industry works? spot the industries that receive government subsidies / protections 1 Link to comment Share on other sites More sharing options...
LETSGOBROWNIES Posted February 19, 2018 Share Posted February 19, 2018 3 minutes ago, cddolphin said: spot the industries that receive government subsidies / protections I didn’t say there wasn’t gouging, simply that it’s hard to regulate “fair value” for healthcare. Morality vs capitalism, all that jazz. Link to comment Share on other sites More sharing options...
pwny Posted February 19, 2018 Author Share Posted February 19, 2018 1 minute ago, LETSGOBROWNIES said: As can case managers with some insurance companies. MD’s can usually work through a lot of this too with a phone call. Had an advocate assigned to me. And my doctor calling. Nothing got done. I forgot to mention that they didn’t do anything with the first one until I threatened to get a lawyer involved. Things moved *quickly* after that point, aside from them trying to stop the medication because of their screw ups. Link to comment Share on other sites More sharing options...
ramssuperbowl99 Posted February 19, 2018 Share Posted February 19, 2018 (edited) 2 minutes ago, iPwn said: Had an advocate assigned to me. And my doctor calling. Nothing got done. I forgot to mention that they didn’t do anything with the first one until I threatened to get a lawyer involved. Things moved *quickly* after that point, aside from them trying to stop the medication because of their screw ups. tbh you probably had a case for damages between those 2 stories. It'd be a pain in the butt to sue an insurance company, but lordy that payoff would be sweet. Edited February 19, 2018 by ramssuperbowl99 Link to comment Share on other sites More sharing options...
LETSGOBROWNIES Posted February 19, 2018 Share Posted February 19, 2018 1 minute ago, iPwn said: Had an advocate assigned to me. And my doctor calling. Nothing got done. I forgot to mention that they didn’t do anything with the first one until I threatened to get a lawyer involved. Things moved *quickly* after that point, aside from them trying to stop the medication because of their screw ups. I’m sure this doesn’t help now, but ask to speak with a resolutions specialist or manager. Also mention to that person your next step is to your HR rep. Link to comment Share on other sites More sharing options...
cddolphin Posted February 19, 2018 Share Posted February 19, 2018 (edited) 7 minutes ago, LETSGOBROWNIES said: I didn’t say there wasn’t gouging, simply that it’s hard to regulate “fair value” for healthcare. Morality vs capitalism, all that jazz. Wasn't a rebuttal so much as a statment that profit-seeking isn't the issue, but stacking the deck unfairly is. Edited February 19, 2018 by cddolphin Link to comment Share on other sites More sharing options...
AFlaccoSeagulls Posted February 19, 2018 Share Posted February 19, 2018 17 minutes ago, cddolphin said: spot the industries that receive government subsidies / protections I've never seen this chart before, but damn... Link to comment Share on other sites More sharing options...
ramssuperbowl99 Posted February 19, 2018 Share Posted February 19, 2018 5 minutes ago, Darth Pees said: I've never seen this chart before, but damn... It's a correlation vs. causation thing. Did the government subsidy cause higher prices, or was the government forced to subsidize because prices inflated out of control? Link to comment Share on other sites More sharing options...
LETSGOBROWNIES Posted February 19, 2018 Share Posted February 19, 2018 Just now, cddolphin said: Wasn't a rebuttal so much as a statment that profit-seeking isn't the issue, but stacking the deck is. That’s fair. Pigs get fat, and hogs get slaughtered. I won’t be shocked when the raping and pillaging HSA’s today leads to voters demanding different options down the line that aren’t in the best interest of insurers. That will likely lead to a whole different set of issues and complaints, but that’s a subject for another day. 4 minutes ago, ramssuperbowl99 said: It's a correlation vs. causation thing. Did the government subsidy cause higher prices, or was the government forced to subsidize because prices inflated out of control? This is the million (billion.....trillion..) dollar question. I’d personally venture a guess it’s a little of both. Link to comment Share on other sites More sharing options...
pwny Posted February 19, 2018 Author Share Posted February 19, 2018 3 minutes ago, ramssuperbowl99 said: tbh you probably had a case for damages between those 2 stories. It'd be a pain in the butt to sue an insurance company, but lordy that payoff would be sweet. I absolutely did. I won’t go into everything because it involves explaining what the medications are, but I absolutely had damages between missed work, urgent care visits and other issues with my quality of life. And the no-notice given for a policy change that impacted me seems pretty egregious. I considered taking legal action, but honestly all I wanted was my medication to be covered heading forwards. I surely deserved *something* for them doing all of this, but I didn’t want to deal with all of that. Just get my life back to normal and that’s it. But now I’m being a bit petty and making them cover stuff I used to pay out of pocket. I used to pay ~$10/month for over the counter vitamin D, but now guess who is getting overpriced $24/month prescription Vitamin D? Gonna look for some more stuff I can get them to pay for as a “medical necessity”. Link to comment Share on other sites More sharing options...
LETSGOBROWNIES Posted February 19, 2018 Share Posted February 19, 2018 6 minutes ago, iPwn said: I absolutely did. I won’t go into everything because it involves explaining what the medications are, but I absolutely had damages between missed work, urgent care visits and other issues with my quality of life. And the no-notice given for a policy change that impacted me seems pretty egregious. I considered taking legal action, but honestly all I wanted was my medication to be covered heading forwards. I surely deserved *something* for them doing all of this, but I didn’t want to deal with all of that. Just get my life back to normal and that’s it. Was this a brand name med or generic? Somethings that can cause issues too. Venturing a guess as to the med based on what you’ve described, that med is available in generic form. Check goodrx.com for pricing, but it’s usually not too bad, not much more then the vitamin D you were taking. Just for future reference, and assuming my med guess is right of course. Not trying to be argumentative, only helpful. Quote But now I’m being a bit petty and making them cover stuff I used to pay out of pocket. I used to pay ~$10/month for over the counter vitamin D, but now guess who is getting overpriced $24/month prescription Vitamin D? Gonna look for some more stuff I can get them to pay for as a “medical necessity”. That’s not petty, it’s smart. Make sure that money is counted towards your oop costs. Link to comment Share on other sites More sharing options...
pwny Posted February 19, 2018 Author Share Posted February 19, 2018 3 minutes ago, LETSGOBROWNIES said: Was this a brand name med or generic? Somethings that can cause issues too. Venturing a guess as to the med based on what you’ve described, that med is available in generic form. Check goodrx.com for pricing, but it’s usually not too bad, not much more then the vitamin D you were taking. Just for future reference, and assuming my med guess is right of course. Not trying to be argumentative, only helpful. That’s not petty, it’s smart. Make sure that money is counted towards your oop costs. Nope, was taking generics for both. The one that took 9 months is a controlled substance. Pricing on GoodRx is about the same as it is directly from the pharmacy, maybe a little cheaper. The other (an SSRI) is about $15 though. i meant it’s petty in the fact that I never would have bothered to do it if I didn’t get jerked around by them before. Probably going to get some blood tests done to prove I have a vitamin D deficiency too. This even though I already got a test done when I lived in New York, but they don’t have those medical records so too bad for them I guess. Link to comment Share on other sites More sharing options...
LETSGOBROWNIES Posted February 19, 2018 Share Posted February 19, 2018 4 minutes ago, iPwn said: Nope, was taking generics for both. The one that took 9 months is a controlled substance. Pricing on GoodRx is about the same as it is directly from the pharmacy, maybe a little cheaper. The other (an SSRI) is about $15 though. I was looking at the ssri. 4 minutes ago, iPwn said: i meant it’s petty in the fact that I never would have bothered to do it if I didn’t get jerked around by them before. Probably going to get some blood tests done to prove I have a vitamin D deficiency too. This even though I already got a test done when I lived in New York, but they don’t have those medical records so too bad for them I guess. I knew what you meant, it’s still not petty imo. More of a hassle? Yes. Better financial decision? Also yes. Link to comment Share on other sites More sharing options...
cddolphin Posted February 19, 2018 Share Posted February 19, 2018 1 hour ago, ramssuperbowl99 said: It's a correlation vs. causation thing. Did the government subsidy cause higher prices, or was the government forced to subsidize because prices inflated out of control? It's the former. Link to comment Share on other sites More sharing options...
eagles101 Posted February 19, 2018 Share Posted February 19, 2018 3 hours ago, TXsteeler said: How can they legally charge one price to you in cash but a different price for insurance? Did you ask them that? They should have charged your insurance $250 and you would have then likely paid nothing. Again idk. I dont run a hospital nor did i ask questions. Link to comment Share on other sites More sharing options...
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