Anonymous_User Absent Member.
Absent Member.

Re: the joy of lysdexia

Yep, good catch.

I transposed the 1 and 7. S/B $7,150.00 not what I originally mistyped.
Still stuck with $600 though. *That's* what my "economic stimulus" check
got spent on. So I did my share to stimulate the economy by spending it
all at once for overpriced and underfunded health care. 😞

Barry Schnur wrote:
>
> Did you get to look at the original (pre insurance) bill? I bet it was
> a lot higher than $1750.
>
>
>

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BSchnur Absent Member.
Absent Member.

Re: the joy of lysdexia

> I transposed the 1 and 7. S/B $7,150.00 not what I originally mistyped.
> Still stuck with $600 though. *That's* what my "economic stimulus" check
> got spent on. So I did my share to stimulate the economy by spending it
> all at once for overpriced and underfunded health care. 😞
>

Low cost hospital then -- my last hospital stay of 4 days was billed out
at something like $35K -- (cancer surgery, true, but relatively simple
surgery -- 2 hours). My out of pocket was around $2500 if memory serves
-- but after that, my coverage went to 100%. I got into a study
protocol as well, so my only out of pocket for the full run of chemo was
a $20 per visit co-pay. Now the 'pre-insurance' and 'pre-protocol
medication provided' adjustments ran the chemotherapy cost to the
insurance company down from $18K PER VISIT, to something like $1.5K per
visit -- picked up by the insurance company.

These days I am doing annual CT scans (which set me back out of pocket
something like $1.3K (before insurance adjustment it would be $7.5K!!!),
and colonoscopies every two years ($1K / $3K). We have one of those
high deductible insurance coverages (HSA plans) as the net cost to us is
less than it would be with a low deductible coverage. Then again, we're
high cost insurance risks between my cancer history and my wife's
various ailments. Heck, I don't run thru the deductible these days and
my wife typically does. I am really glad we can afford the medical
care we get, and know there are lots of folks out there who are driven
to (or over) the wall with medical expenses these days.



--
Barry Schnur
Former Novell Support Connection Volunteer Sysop

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shaunpond Absent Member.
Absent Member.

Re: the joy of lysdexia

Dan,

I have good insurance, paid for by my employer

--

Shaun Pond


0 Likes
shaunpond Absent Member.
Absent Member.

Re: the joy of lysdexia

Dan,

oh Dan, if Barry's partner has informed you, this is not the right
place...

--

Shaun Pond


0 Likes
Anonymous_User Absent Member.
Absent Member.

Re: the joy of lysdexia

MRIs, CT, and the like, sure are expensive. I think the MRI and
radiologist, were the biggest items on my bill.

Barry Schnur wrote:
>
> ...These days I am doing annual CT scans (which set me back out of pocket
> something like $1.3K (before insurance adjustment it would be $7.5K!!!),
> and colonoscopies every two years ($1K / $3K)...
>

0 Likes
Anonymous_User Absent Member.
Absent Member.

Re: the joy of lysdexia

That's right, you do work for a US-based company that understands the
high cost of health care over here. 🙂

Shaun Pond wrote:
> Dan,
>
> I have good insurance, paid for by my employer
>

0 Likes
Anonymous_User Absent Member.
Absent Member.

Re: the joy of lysdexia

LOL! Score coffee exhaled through nose! 😎

Shaun Pond wrote:
> Dan,
>
> oh Dan, if Barry's partner has informed you, this is not the right
> place...
>

0 Likes
Anonymous_User Absent Member.
Absent Member.

Re: the joy of lysdexia

dan c. said,

> That's right, you do work for a US-based company that understands the high cost
> of health care over here. 🙂


Dan, I think that is kinda assumptive, at least on the Shaun working part. <g>


--
Lindsey
Xananews 1.18.1.52
0 Likes
Anonymous_User Absent Member.
Absent Member.

Re: the joy of lysdexia

LOL!

Lindsey Johnstone wrote:
> dan c. said,
>
>> That's right, you do work for a US-based company that understands the high cost
>> of health care over here. 🙂

>
> Dan, I think that is kinda assumptive, at least on the Shaun working part. <g>
>
>

0 Likes
BSchnur Absent Member.
Absent Member.

Re: the joy of lysdexia

> MRIs, CT, and the like, sure are expensive. I think the MRI and
> radiologist, were the biggest items on my bill.
>

An interesting thing is the 'before and after' bills -- that is, looking
on the EOB form, what the hospital billed and what the insurance company
had negotiated as a set rate for the services -- VERY big difference.


--
Barry Schnur
Former Novell Support Connection Volunteer Sysop

0 Likes
BSchnur Absent Member.
Absent Member.

Re: the joy of lysdexia

> LOL! Score coffee exhaled through nose! 😎
>

You have got to take care with that type of medication you know --
properly dosed, it should not result in coffee going thru one's nose.



--
Barry Schnur
Former Novell Support Connection Volunteer Sysop

0 Likes
Anonymous_User Absent Member.
Absent Member.

Re: the joy of lysdexia

It's called "guaranteed payment from a deep-pocketed single source". Not
very surprising. The VA does the same with pharmaceutical corporations.
If Big Pharma didn't spend so *&^%$#@ much on advertising and
promotions, drugs could be 20-10% of the uninsured buyer's price.

My B-I-L the doctor gets bombarded by drug dealers (deliberate use of
the term here) who give him promotional items and samples. He's not
surprised that's the reason why drugs are so expensive and unnecessarily
so. He nearly always prescribes generics or a cheaper substitute that
works as well, or better, than the newer name-brand stuff, and donates
the stationery and pens to the local schools.

Barry Schnur wrote:
> An interesting thing is the 'before and after' bills -- that is, looking
> on the EOB form, what the hospital billed and what the insurance company
> had negotiated as a set rate for the services -- VERY big difference.
>
>

0 Likes
Anonymous_User Absent Member.
Absent Member.

Re: the joy of lysdexia

Hey, I just found out that it's a very effective decongestant! 😉

Barry Schnur wrote:
>> LOL! Score coffee exhaled through nose! 😎
>>

> You have got to take care with that type of medication you know --
> properly dosed, it should not result in coffee going thru one's nose.
>
>
>

0 Likes
BSchnur Absent Member.
Absent Member.

Re: the joy of lysdexia

I think part of big pharma's argument about pricing makes sense -- they
do spend a lot of money on research. But they also spend an enormous
amount on advertising and that other revenue enhancement program --
lobbying. So I don't know (especially when first introduced) that your
10% to 20% number works -- they do have to recoup the up front
development costs. But the games they play to stay under patent
monopoly rules are pretty obvious. Take Ambien, -- it just went generic
this year (with a major price drop because of that), so a 'new drug' --
Ambien CR is formulated and pushed into the market -- it isn't generic,
it is the same drug with some changes for time release. Frankly,
doctors wouldn't prescribe it (instead of generic Ambien), but patients
believe advertising (I wonder if these same targeted folks believe
political ads as well) and push the doctor to make the change.

We just got notice of new health insurance rates for us -- a MAJOR
increase. I've got a call into the underwriters about it. But my own
bet is that it has little to do with our risk pool or insurance costs --
with high deductible HSA insurance they barely have gotten tapped for
payments for the past two years -- rather, it is because the insurance
companies invest insurance premiums in the market and have gotten nailed
over the past 12 months. They figure to recoup their market losses on
the backs of the paying insured masses. I suspect we are not alone and
that as individuals (and companies) get nailed with major (20% to 50%)
increases, the word (and reaction) will get out there.


--
Barry Schnur
Former Novell Support Connection Volunteer Sysop

0 Likes
BSchnur Absent Member.
Absent Member.

Re: the joy of lysdexia

> Hey, I just found out that it's a very effective decongestant! 😉
>

Ah, that is not the sort of stuffedness it is intended to relieve....



--
Barry Schnur
Former Novell Support Connection Volunteer Sysop

0 Likes
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