My New Blog

WHY DO WE NEED IT ? BECAUSE WE HAVE TO MAKE DOCTORS BE MORE REASONABLE. AND BECAUSE YOU SHOULD NOT MAKE MONEY ON SOMEBODY'S HEALTH. YOU SHOULD BE ABLE TO GO TO EMERGENCY ROOM WITHOUT WORRYING THAT EVEN WITH INSURANCE, YOU WILL HAVE TO COME UP WITH THOUSANDS OUT OF POCKET. UNTIL ONLY FEW YEARS AGO I THOUGHT PEOPLE ARE JUST TELLING HORROR STORIES ABOUT INSURANCE CLAIMS. MY HUSBAND HAS KIDNEY STONES. I HAD TO TAKE HIM TO EMERGENCY ROOM, BECAUSE HIS DOCTOR WAS NOT IN OFFICE AND NOBODY ELSE IN OFFICE COULD ( OR WANTED) TO HELP HIM. I CHECKED TO MAKE SURE THAT THIS ER IS IN NETOWORK- IT WAS. WE SPENT MAYBE TWO HOURS IN ER. THEY TOOK HIS URINE . DOCTOR CAME, MY HUSBAND TOLD HIM HE HAS KIDNEY STONES.  TEST WAS POSITIVE FOR THAT ALSO. DOCTOR SAID- "YOU HAVE TO SEE YOUR KIDNEY DOCTOR" AND LEFT. NURSE CAME, GAVE MY HUSBAND SOMETHING FOR PAIN, PRESCRIBED PAIN MEDICATION AND WE LEFT. FEW WEEKS LATER WE RECEIVED BILL ( THAT WAS SENT TO INSURANCE COMPANY). AROUND $2,500 FOR ER AND SEPERATE BILL OF $1200 FOR DOCTOR. CAN YOU IMAGINE?- $1200 - HE DID NOT EVEN TOUCH MY HUSBAND. HE SPENT ONE MINUTE BY HIS BED. SO, MY INSURANCE COMPANY PAID AROUND $800 FOR ER ( AGREE WITH THAT COMPLETELY). THEN CAME  EXPLANATION OF PAYMENT FOR DOCTOR CHARGES -  $700- (MY INSURANCE PAYS 90%) WITH US OWNING $500. WHY ? FIRST TIME I CALLED INSURANCE THEY TOLD ME THAT DOCTOR IS NOT IN NETWORK, SO THEY WILL PAY ONLY 70%. THEN, THEY TOLD ME THAT $700 IS MAXIMUM THEY PAY FOR SUCH HELP. NOT, THAT I DO NOT AGREE WITH THAT . I THINK HE SHOULD NOT GET PAID MORE THAN $100, BUT WHY IS IT MY RESPONSIBILITY ? HAS ANYBODY EVER WALKED INTO ER AND ASKED IF DOCTOR IS IN NETWORK OF THEIR INSURANCE. AND HOW MANY TIMES WHEN YOU ARE ADMITTED TO ER, YOU ARE ACTUALLY UNCONSCIOUS....I THINK IT IS BIZARRE WORLD. AND IT NEEDS TO CHANGE- FAST.    

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