Feeds:
Posts
Comments

Posts Tagged ‘discount programs’

Have you ever heard of a physician/dentist  not getting paid because they used the wrong “code” when sending in a claim to the insurance company?  Have you ever heard of a physician or dentist waiting 3 months to be paid by an insurance company and considering this the “normal” amount of time to wait?  I have, and I don’t think it is fair!

I don’t know about you, but I like my chosen doctor and dentist and I would like them to get a fair wage at the time they do the service.  Why have we, as a country, allowed the insurance companies to bully us around so much?  It is time that we start looking at alternatives to insurance.  Let’s have a discussion of thinking outside the box and then call our Federal representatives with our ideas.  It seems like they are stuck in a rut because all they can think of is to nationalize our healthcare.  It seems like an easy fix, but easy is not always right or good.

We are a nation of individuals.  That is what has made our nation great in such a short time.   We need to be able to choose what type of healthcare is good for us.  We also need to be able to choose how best to pay for it.

When I go to the gas station, I can see exactly how much money I am going to pay for gas.  When I go to the grocery store, I can see just how much my milk, bread, pizza, eggs, etc. is going to cost.  When I buy an airline ticket on-line, I can see exactly how much my ticket will cost.  I can see the cost before I buy.  Healthcare is the only area where I cannot know the cost until after everything is done with.

I have learned that the hospitals, doctors, etc. charge based on who the customer is.  If the customer is a big insurance company they get the biggest discount.  If the customer is an individual with no insurance they get the smallest (if any) discount.  Certainly, when I have a health emergency I will not be checking the costs.  But most healthcare decisions are not emergencies.   If the consumer can know costs ahead of time they can decide which hospital based on the costs.  They can decide if the hospital that charges more is really worth it, or not.

If the government is going to make changes, I would ask that they mandate healthcare facilites to post their charges up front.  This may sound crazy to you.  If it does, then ask yourself “Why?”.  I think it is because we are not used to asking about the costs of healthcare, but we should.  We ask about the costs of everything else in our lives.  Once we know the costs, then we can look at how to pay for it.  Is insurance really doing what it is supposed to do?  What about discount plans like http://www.noinsurance.us  , where we make the decision with our provider instead of looking for an “o.k.” from an insurance company?

I threw out a few options, now let me know what you think . . .

Read Full Post »

Do we have a health care crisis here in America?  I understand that there are a lot of people/families in America that don’t have health insurance, but does that equate to a health care crisis?  The quality of care in the United States is very good.  The health care education is also very good.  In fact, people come from all over the world to be trained in the United States for a medical profession.  I don’t see a crisis there either.

So where does this crisis come from?  The current administration would have you believe that it is the greedy physicians and hospitals.  From what I understand the people in Washington (our “representatives”) want to provide health insurance that would put caps on the costs, and put everyone on the government’s insurance plan.  Will that help?  Iwould like to suggest that it is the way insurance works that has caused the health care crisis in America.

I think the problem is that the patient and physician have been taken out of the equation, and insurance has put itself between them as a dictator.  Who doesn’t know someone who was denied coverage because the insurance company deemed it unnecessary?  The way I see it, the health care crisis has been caused by insurance protocol, and I mean all things that act as insurance, including the government run programs.  Will Obama have an answer?  Not if it is just more government insurance.

We need to put the power back in individual’s hands.  The patient needs to be made aware of all costs up front.  These costs should not be on a sliding scale based on what insurance the patient has.  We need to stop the insurance games.

There is a company, called Ameriplan, that does just that.  Costs are listed up front.  There are no deductibles or co-pays.  You don’t even have to “ask permission” before going ahead with a procedure.  The physician and patient decide what is deemed necessary, and Ameriplan is there to provide the discount.  Insurance companies get huge discounts from physicians, labs, and hospitals.  It is time that patients get those same discounts without also paying huge sums of money each month to insurance companies. 

Ameriplan, a discount program, is a new concept in health care, even though they have been around for 16 years.  The way I see it there will soon be a paradigm shift in the way people think about paying for their health care.  What we have right now is not working, and if Obama and the rest of our representatives in Washington D.C. just give us another insurance program, that would be like putting another “Band-aid” on a 10″ slash in the middle of someone’s abdomen.  We need to fix the problem by taking off all of the Band-aids, cleaning up the wound (it will get bloody), and then stitching up the problem in a new way.  Yes it will hurt for a while.  That’s o.k. because in the long run we will all be healthier as a nation.

www.noinsurance.us (Ameriplan information)

Read Full Post »