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Universal health careUniversal health carePosted Oct 13, 2012 0:56 UTC (Sat) by dlang (✭ supporter ✭, #313)In reply to: Universal health care by ekj Parent article: The Patent, Used as a Sword (New York Times)
The biggest problem for the 'uninsured' is that they get chaged FAR more for the same medical care as someone who is 'insured'
My Insurance gives me a statement for each transaction that shows what the medical provider billed, what the 'negotiated' rate that the Insurance company is actually going to pay based on, and how much of that I owe.
I's very common for the insurance rate to be a 60% or larger discount of the price that an individual would have to pay. I've seen quite a few cases where what the provider accepts as 'payment in full' is a 90% discount off of what they would charge someone without insurance.
And it doesn't matter if the Insurance company is going to pay the bill, or if I am going to have to pay the bill (part of the deductable, past the limit for the year, etc)
If I could pay the same rates that the Insurance companies pay, I would not need to have any insurance beyond a 'catastrophic event' policy that wouldn't kick in without an event over say $10,000
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