“Will that be cash, or charge?”: Many hospitals & doctors offer cash discount for care

Regular readers will recall the entry entitled “Q: Why do hospitals charge $75 for aspirin? A: Because they can.,” which was posted Wednesday, May 2, 2012.

In another venue, I had posted the following remark in response to the exorbitant healthcare costs, “It’s a simple concept, really. Anytime anyone gets in between you & who you’re buying from, it costs more. Insurance does that.”

And it’s true.

It’s not trite.

Let’s consider this example: You’re at the grocery store in the check-out line, about to pay for your groceries which have already been bagged and placed in your shopping cart. When the clerk announces the total, you have some strange feeling because the total is about ten times as much as you imagined.

When you double check the price of milk you find the sticker says $2.50/gallon, but your clerk rang up $25. You double check the price of frozen spinach. The sticker price says $1.37, but the clerk rang up $13.70. The chocolate was $4.50, but the clerk rang up $45.00. And the lean ground beef, instead of the posted $2.60/lb, the 5lb chub was… $130.00.

Talk about sticker shock!

You are aghast at the price, and in frustrated terms exclaim that “there is obviously some gross mistake!” – to which the clerk replies, “Let me check with your Food Insurance Agent,” picks up a phone beside the register, presses one button, and whispers into the receiver. 

Suddenly, out of a door leading to an inside office,

THE SKY IS FALLING! THE SKY IS FALLING! Or… maybe not.

Believe it or else, there were opponents to air bags, seat belts and child safety restraints.

Some time, someone will oppose everything… even vanilla ice cream and Mother’s Day.

There are, I suppose, several ways to consider the following.

One could presume the psychotic Chicken Little, paranoid delusional “the-sky-is-falling” approach, or, one could suppose the device is only an extension of someone who cannot tell a lie… or, at least is very difficult to deliberately fabricate falsehood.

And then, there’s something in the middle.

I would imagine that’s where the truth resides.
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A Black Box in Your Car?

By Sam Favate, April 23, 2012, 1:40 PM

If you thought having EZ Pass in your car would make it too easy for the government to track you, you ain’t seen nothing yet.

The Senate passed a bill in March that calls for “mandatory event data recorders” (or black boxes) to be installed in all new passenger motor vehicles, starting with the 2015 models, and which would record data before, during or after a crash, according to KurzweilAI.net.

The bill, which can be seen here, has a privacy provision but gives the government the authority to access the black box in a number of circumstances, including court order, consent of the owner, an investigation or inspection, or to determine the need for emergency responses.

The same bill would allow the IRS to

Healthcare Insurance policy holders to get rebate in FL

Thanks to “ObamaCare,” which requires health insurance companies to spend 80% of health insurance premiums on actual healthcare, instead of CEO compensation, stockholder payout, advertising, overhead, and other non-healthcare delivery, Floridians will be receiving a rebate from the money they were overcharged.

Thanks, President Obama!

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Florida health insurers to rebate estimated $113 M

Consumers with individual policies may get $143 to $949 each

April 13, 2012|By Bob LaMendola, Sun Sentinel

Floridians who buy health insurance without the help of an employer can expect estimated rebates of $143 to $949 in August because of the federal health care overhaul.

About 157,000 individuals and families qualify. In addition, an estimated $65 million in health insurance rebates are in line to be split among workers covered at 352,000 small businesses, the Sun Sentinel found by analyzing reports filed this month by 15 of the largest insurers in Florida.

Don’t expect cash back if you get health coverage from an employer of more than 50 workers. Few of their insurers will owe rebates, and many companies are self-insured and not affected by the health law, insurance experts said.

“This is important for consumers,” said Richard Polangin, health care policy coordinator with the advocacy organization Florida Public Interest Research Group. “They already pay extremely high prices for health insurance.”

Individuals don’t need to do a thing to obtain their money. Insurers must notify them by Aug. 1 if they are due a refund and pay that month.

The rebates

SCOTUS, PPACA & American Healthcare: Links from Days 1 & 2

Naysayers, conservative political pundits and Obama “haters” of all stripe – Radical Republicans, TEA Partiers, White Supremacists, Neo Nazis, et al – have vilified and unified against already-enacted federal legislation that foremost, regulates practices by the Health Insurance industry, such as denial of coverage for children born with certain health conditions, denial of coverage for women with breast cancer, cancelling coverage in the midst of medical treatment, exorbitantly raising premium rates without actuarial justification, denying payment for covered services deemed medically necessary and rendered by qualified physicians or others, and more.

Such practices have been rightly demonized and justly described as onerous by almost everyone, even by the most staunch conservatives. So it remains a great mystery why so many are seemingly straining against what they denigrate as “ObamaCare.”

At least two elements of the law – the so-called

Making Health Insurance Obsolete

Make no mistake about it, insurance companies exist to make money.

Regardless of their commercials, they neither care for you, grandma, babies, or puppy dogs… much less love you.

They love money.

In addition to raising premiums, one of the ways they make money is by not paying claims. And I mean to refer to them not paying legitimate claims by weaseling and fenagling out of paying claims such as by denying “pre-existing conditions,” or by making ludicrously asinine assertions, such as “you forgot to fill in line 39,” or something like “we didn’t receive your premium on time,” or something even worse – such as “we don’t insure on Thursdays from noon to 1:30PM.”

If money is a tool which can and ought to be used for the things it can do, then why is it important to maintain a hoard of of it? Tools are utilitarian things, which derive their exclusive value precisely because they are used, not capable of being used. Similarly, money only has value because it is a tool as a medium of exchange.

Insurance, like any other pecuniary enterprise, ought to be regulated precisely because of the risk for fraud is greater than in other businesses. That is, by nature it is more susceptible to deception. Deception in pecuniary enterprise is also known as “theft.”

Nevertheless…

Be certain you read on to learn

How a $1,000 test could destroy the health-insurance industry

Newt Gingrich supported Obamacare before he didn’t support Obamacare

Colloquially, of course, such behavior could be described as either ‘schizophrenic,’ ‘conflicted,’ ‘incompatible,’ or ‘contradictory’.

None of those terms are positive or encouraging. And certainly, none are like the sound of

Ending Obamacare

Among conservatives, there’s little argument that Obamacare should be abolished. ‘It’s time to get government out of our lives,’ they say.

They make many very valid points. Those same folks have expressed concerns that instead,

Rand Paul, Conscription, Slavery, & Health Insurance Reform

Recently, U.S. Senator Rand Paul, a “TEA Party” Republican from Kentucky, and ophthalmologist specializing in cataract and glaucoma surgeries, LASIK procedures, and corneal transplants, was quoted as saying that “a right to healthcare… means you believe in slavery.”

Dr. Paul is the ranking member of the Senate HELP Subcommittee on Primary Health and Aging subcommittee, and made his comments at a Wednesday, May 11, 2011 hearing about emergency room use in American hospitals.

He said that, “With regard to the idea whether or not you have a right to health care you have to realize what that implies. I am a physician. You have a right to

Healthcare Reform Addresses Rising Health Care Costs

“Healthcare reform is going to happen because it has to. We cannot, as a country, continue to absorb cost increases in healthcare.”
- Cullman (AL) Regional Medical Center CEO, Jim Weidner, Thursday, 24 February, 2011 in his “State of the Hospital” address

The CEO’s address was encouraging, not the least reasons of which were that

Congress Passes Socialized Medicine and Mandates Health Insurance

Does history repeat itself?

Before this article was published, I was engaged in conversation with a friend on a subject wholly unrelated to this topic. As I listened to him he remarked, “Heck, when you join the Army, if your teeth need fixing, they’ll fix ‘em. If you need glasses, they’ll put glasses on you. If you need any kind of healthcare, they’ll fix you up. The reason the Army provides healthcare is because they understand they’ll get a better quality soldier.“

Interestingly, neither my friend nor his family have a military background.

By extension, I wonder… how much more productive could the American worker be if they didn’t have to be concerned about their and their family’s health and healthcare? And then, if we completely ignore “lifestyle” related health issues. i.e., those associated with smoking or obesity, there are other chronic conditions, including heart disease, hypertension, COPD, etc., that significantly adversely affect the lives of families.

Congress Passes Socialized Medicine and Mandates Health Insurance -In 1798
Jan. 17 2011 – 9:08 pm

Rick Ungar
The Policy Page

http://blogs.forbes.com/rickungar/2011/01/17/congress-passes-socialized-medicine-and-mandates-health-insurance-in-1798/

The ink was barely dry on the PPACA when the first of many lawsuits to block the mandated health insurance provisions of the law was filed in a Florida District Court.

The pleadings, in part, read -

“The Constitution nowhere authorizes the United States to mandate, either directly or under threat of penalty, that all citizens and legal residents have qualifying health care coverage.”

State of Florida, et al. vs. HHS – http://www.scribd.com/doc/39344827/State-of-Florida-v-United-States-Dept-of-HHS -

It turns out, the Founding Fathers would beg to disagree.

In July of 1798, Congress passed – and President John Adams signed