I had a hospitol do this same thing to me.

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PostPosted: Fri Mar 07, 2008 3:58 pm   Post subject:   

I had a hospitol do this same thing to me. I had to go to the ER and when I got the bill I started making $10 payments. they sent me a letter that they didn't except partial payments and that I had 30 days to pay it in full or they turn them over to a collection agency. I called them and they said they simply did not handle there own billing unless paid in full and it was procedure to let a collection agency do this. Well a couple months later I heard from the collection agency (the first ten I paid was never taken off) and they said they would except ten a month and remove the first ten I said I paid. so sent in next payment and the next month recieved another letter from collection agency demanding no payment had been made at all (there went $20 so far). Few months later got a call from the next collection agency and told them the story, said they would send me out a payment book so that I could keep track of payments. Never got the book and they never got another payment. I don't use that hospitol anymore. If you can't afford the 25 try sending them 10. I am pretty sure that as long as you are sending 10 they can't turn it over or you can call and ask. most people can't afford sending in 25 on a bunch of seperate bills.

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PostPosted: Fri Mar 07, 2008 6:53 pm   Post subject:   

Quote:
I could have gotten help for my hospital bills but I didn't met the deadline to bring in the paper work. I mean whos thinking of thoses things when you are at a hospital. It would not cover the dr though.




Your financial planner, CPA and/or insurance agent SHOULD be thinking about things like this, as long as you keep the lines of communication open. I've had people take my advice and call me BEFORE any surgery and/or medical costs are completed (excluding emergencies) that saved them several thousand dollars. On the other hand, I've also had clients call me AFTER the fact.



My latest call entailed a situation where a doctor was "lab happy" and ordered "13 tests" including blood work and 1 MRI' for somebody was currently has a HSA. Long story short, the bad news she now has a $900 bill due, which she is paying off at $10 a month. The good news is that she is in great health and can deduct contributions to her HSA off her taxes (less money to Uncle Sam is always a good thing) and decide to use the HSA to pay for the health care costs or let it sit and pay out of pocket.



Quote:
I fine it odd that people can actually tur you away and refuse to help a person because they don't have the mony for all that stuff.




How exactly is it odd? What type of business could sustain their operations if all they did was offer free information, advice and products, without anything in exchange?



I'll tell you how...they set up a non-profit organization and THE REST OF US help sustain the business through our taxes. Business 101 would dictate that business would go out of business if they didn't receive cash infusions and/or assistance.



If I invite you into my house and offer you a glass of juice, but you see an expensive bottle of wine and want a glass of that instead, should I be forced to give a you a glass of wine? I might just do that, but that would indicate the fact I'm a nice guy and not seeking to produce a profit.



Quote:
If each dr took one name from a hat each day and saw them free ,that would take care of a lot of medical needs.




The average cost to see a doctor in most areas is right around $60 a visit. Guess how much is cost 30 years ago before x-rays, blood tests, mammograms, PSA testing, etc. were invented, marketed and used.



I have nothing against providing charity work because I do that myself, I just do not think people should take advantage of someones generosity.
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PostPosted: Sat Mar 08, 2008 1:07 pm   Post subject:   

I see your point there. I am thankful that my hubby changed jobs and now has world class benefits. I think helping others during a hard time or them getting help through programs isn't a bad thing. A lot of people work and can never get help like the ones that lie around collecting free checks every month. So I am glad that their are programs to help the working person.

fireyone
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PostPosted: Sat Mar 08, 2008 2:02 pm   Post subject:   

I see your point ,but helping one person will not break a Dr.It is called feelings. When I go into an office and see nothing but signs plastered everywhere about paying your bill upfront,I get a cold feeling like when they look at me they see dollar signs instead of a person.Like money just walked in off the street...lol If they had a sliding scale for people who had no insurance would even be better.I remember when I would go to the Dr and the Dr I went to gave you medicine in his office and charged you like 34 or 40 dollars for all.It just makes me uneasy when I see a Dr whose FIRST consideration is whether you can afford to pay.Should not the patient still come first.I mean here you are sitting there in a hospital bleeding and they give you these financial papers to fill out. How cold does that sound?

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PostPosted: Sat Mar 08, 2008 6:31 pm   Post subject:   

Quote:
I see your point ,but helping one person will not break a Dr.




I agree with you with a caveat. Many doctors will work out a payment plan for people with limited incomes AS LONG AS YOU ASK. I worked out payment plan with a physician when I needed to see somebody for an ear infection. I don't think I ever had one before and do not wish to experience it again as it was very annoying and discomforting.



The difference between what I did vs. the average consumer, is that I knew I could receive equal treatment at a fraction of the cost by visiting an urgent care center. So I sucked up the pain and discomfort for 2 days for the clinic to open up again and waited about 2ish hours in the waiting room. My bill at the time was right around $200 retail plus another $50 for medication. We settled for somewhere around $120 in 3 equal installments of $40 a month, once I told him I was an uninsured and poor college student.



Had I not asked I wouldn't have gotten the 40% discount and that same visit would have cost me a minimum of $500 at an emergency room in most areas. One thing I didn't know about at the time were resources I could have used to obtain cheaper medications, which would have saved me about 35% off the medication costs. Live and learn!



Anyone who meets certain guidelines is entitled to Medicaid, which will greatly reduce medical costs and/or provide free care.



The number of primary care physicians in practice has been declining in recent years due to the fact that it's becoming increasingly difficult to maintain a practice with the current private and government medical system.



I highly doubt doctors go into business and rack up $100,000+ in educational expenses to earn $40,000 per year. If that was the case, what is the financial incentive to become a physician and attend medical training, internships, etc. for a 8-12 years, when an undergraduate degree earns people a median $48,000 a year (Department of Labor stats).



When I was deciding to pursue my Doctorate in Psychology I estimated my costs (just for education) would be about $80,000 at end of my training. Double that number with living expenses factored in for 3-5.



At the rate of $300 (what I pay a month now for my education loans) a physician would be able to pay off his education loans in 28 years, whereas it will take me about 22 years if I don't increase payments. In the meantime, we both need to pay living expenses, business expenses, and most importantly, enjoy life with friends and family and HOPEFULLY save up some money for retirement, since I don't think Social Security will be available down the road unless major changes (increase in taxes) are implemented.



Medicare doctors even have a worse time surviving when the government reduces eligible expenses. According to http://www.ama-assn.org/ama/pub/category/211.html there are approximately there are approximately 900,000 International Medical Graduates (physicians who come to the US from another country). Using the common 47M of uninsured as a basis. If every one of those physicians saw 1 patient per year, they would be able to help 1% of that demographic. Using a conservative $50 p/ visit the doctors would provide $45M in FREE health care. That is certainly doable, but isn't that what Medicaid is for? Why provide additional care for no cost when all of us are already paying for that through taxes. That goes against the basic principles of macro level economics.



Patient satisfaction is largely determined by being friendly and nice patient vs. being affluent. Wouldn't you agree that you normally get better service and enjoy life when you're cordial. I could be wrong, but I do not think that physicians are cold people, as they could easily have chosen a different profession.



Here's a test you can do that might be fun. Schedule an appointment with a recently licensed therapist (doctorate level) and a primary care physician...then visit that same person (if he's still in business) in 5 years and see if you notice any changes in his demeanor and ask the following question, "Was it worth it?"



Many doctors will work out a payment plan for people with limited incomes AS LONG AS YOU ASK. I worked out payment plan with a few physicians when I came out of the military and did not have health insurance. The difference is that I visited an urgent care center because I did research and knew that going to the emergency room would cost me approximately $900 dollars. My bill at the time was right around $200 retail. We settled for $120 I believe once I told him I was an uninsured and poor college student. Had I not asked I wouldn't have gotten the 40% discount and that I can respect.



One of my cousins owns one of the largest private practice in MD and he also teaches at Georgetown. Despite the fact that most people would think somebody at his level would be smug and snobbish, he is one of warmest people I have had the pleasure to meet.



Having money doesn't bring you happiness. Not having money creates unhappiness, so the key is to obtain a happy medium.
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PostPosted: Sun Mar 09, 2008 12:20 am   Post subject:   

You make some very good points here Salpro. I am not demeaning the medical field at all and relize it does take a lot to beome a doctor. I have been with my prmary care physician for 15 years because she treats me like a real person. She has a sign in her office that she would like you to pay the office fee in full UNLESS you need to make other arrangements. I feel some people probaly do take advantage of this making it harder for the folks that really need it. I have always had some type of insurance. My mother on the other hand works two jobs to survive and can not afford or qualify for any type of medical in the past. She was very appreciate of the sliding scale offer from the dear doc.

I also believe that people do get better care when they are cordial. I've also ran into docs who are so rude that you wonder why they ever got into a field that deals with people everyday. Bottom line here....We all come from different fields and different background...we can not always understand the others...so you were right on cordial does matter.

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PostPosted: Mon Mar 10, 2008 6:05 pm   Post subject:   

I know of a dermotologist who when she first saw my teenage daughter for acne said she had acne because of me. That it was my fault becasue I di not seek her care. She was in the same offices as the other drs we saw and no one recoomend she she her or told m there was a dermotologist there till then.She was so rude in blaming me for my daughter's bad acne problem that i did not like her at all .I eventuall went to proactive and stopped seeing her.the proactive did more than her treatment anyway.I put drs in the same group as teachers.I don't think any of them should go into this field only because it earns a good income.They should love child and people and have a true careing nature for helping others. Some people as far as income goes just fall between the cracks. Most drs don't even handle their own billing.

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PostPosted: Tue Mar 11, 2008 2:08 am   Post subject:   

I don't like rude doctors and I have had my fair share of run ins with them. Underwent about the same experience with a doc this summer. I had a teenager who would never go to school. He was constantly crying wolf and I mean constantly. At least once a week he was sick, up all night puking any excuse he could come up with. He did this over and over again during his last couple years in school. I couldn't physically push him out the door and on the bus . Once I called the doc office cause if I didn't have an excuse I would get fined. They knew how much he cried wolf and how his behavior was but they went ahead and called in an antibiotic. He went to school the last day of that week but next week all over again. we all thought he was just pulling his usual tactics so when he woke up one morning and was actually sick and his throat was swollen I took him to the ER and the doc wired cause he had an abcess. His family doc was booked and didn't believe he had a true medical emergency since they fir him in so many times in past months fdor nothing. I didn't even bother explaining it to the ER doc. He eventually quit school anyway but he also quit crying wolf too. Just figured he wouldn't go anymore...heck with the excuses.

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PostPosted: Mon Mar 24, 2008 12:02 am   Post subject:   

The schools here allow 5 days with home excuse ,after that you have to see a dr to get an escuse or it will be unexcused. I can apprecialte what you went through with your son as I have a daughter that is the same way. You never know when she is actually sick.She usually uses up her 5 days with home excuses the fist few months of school. With no insurance it is the pits!

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PostPosted: Tue Mar 25, 2008 11:35 pm   Post subject:   

Boy it sure is. I love how the schools label you as a bad parent when this stuff happens. You think they would know better being around teens all day.

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PostPosted: Sun Mar 30, 2008 10:13 am   Post subject:   

oh the institution, what will we do, LOL



Hey guys and gals, feel your pain.



I know what you mean about all the signage in the doctors offices hummingbird, I hate too that you have to stand in a waiting room full of people and discuss your insurance and billing information out there so everyone can hear. It is embarrassing to work out a payment plan and having everyone listen and then in the mean time, you have to go sit back down and wait with everyone knowing your business. It is humiliating sometimes.

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PostPosted: Sun Mar 30, 2008 12:29 pm   Post subject: bills  

The very few times, I HAD to go to the Emergency Room, I really din't want to. There are a few women, that work behind the desk, that know me. Not 'personally', however. The town I live in, is a VERY small town and 'everyone knows everyone'. ONE of these womaen had asked me , infron of the everyine in the Wating Room (and there were about 10 people there), what my Insurance was. When I stated I had NO insurance, she asked ( in a bit of a 'louder' voice) how I was going to pay for my bill. There IS a program, here in Pennsylvania, to help those with a Hospital bill............however this program only 'kicks in' when the Assistance Office 'denies' your medical bill (ie..make too much money). I've used it a few times...it DOES work. Too make a long story short........SOME people have no 'bed side manner', when it comes to 'sticky' issues, like Insurance. At times, it can make me feel like I'm not in the same 'catagory' as some people.

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PostPosted: Mon Mar 31, 2008 10:45 am   Post subject:   

It needs to be done in a more private setting, they need to have more training on what violates hippa law and what does not. I just hate when they ask you why you are here today so they can note it. I am not gonna yell through glass why I am here. I know what you mean sd, they ask the questions in an inappropriate manner in an inappropriate setting, there has got to be a way that they can fix this, I think it violates privacy.

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PostPosted: Fri Apr 04, 2008 6:07 am   Post subject: drs  

I've actually had to wait A LONGER time, in a Dr's office, because of 'Insurance Issues' (having none). SOOO...I guess, does this mean my child is not as IMPORTANT as the 'insured' child? I don't think so.

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PostPosted: Mon Apr 07, 2008 2:43 am   Post subject:   

That is a shame sdcharger, did you file a complaint with the facility? or with the health commission in your state. This is just not right, you should have complained to management or something.

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