Even worse than the insurance companies are all the other companies that have stuck their fingers into the healthcare pie - HMO's, third parties that do the paperwork for self-insured businesses and medical groups, etc. These businesses add nothing to the care aspect of things, but are in it only for the money.
A coworker's father had to go in for a battery of medical tests, and they required reapproval. He got the statement from the insurance provider, and it also showed how much it would cost him, along with the deductible and copay. He then called the doctors office, and asked what the cost would be if he paid cash on the spot, when he came in for the tests. He was quoted about 30% of what the total insurance bill would have come to. That was less than his portion of an insurance-billed claim would have been. The doctor's office calculated that by not having to deal with the insurance company they saved that much.
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Who here thinks health insurance is a scam?
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