Disney Information Station Logo

Go Back   The DIS Discussion Forums - DISboards.com > Disney Trip Planning Forums > Budget Board
Find Hotel Specials & DIScounts
 
facebooktwitterpinterestgoogle plusyoutubeDIS Updates
Register Chat FAQ Tickers Search Today's Posts Mark Forums Read


Reply
 
Thread Tools Rate Thread Display Modes
Old 09-03-2012, 10:40 AM   #16
starwood
This mouse GOT her next cruise
I won't even tell my DH what I'm doing. He already thinks I'm nuts
 
starwood's Avatar
 
Join Date: Mar 2000
Location: Northern NJ
Posts: 6,349

I went to the local urgent care facility for a cough that wouldn't go away (this was my 2nd visit to them as the first visit they just gave me cough medicine and said it takes a long time). They finally figured out it was asthmatic bronchitis. I don't have their bill so I'm not exactly sure what the charges are for but this is from the EOB from United.

Office visit - $297
Diagnostic services $46
Diagnostic services $32.00
Diagnostic services $85.00
Medical supplies $7.00
Medical Supplies $4.00

Now they gave me the breath in the tube test also and checked my blood oxygen levels. They also gave me a nebulizer treatment and a chest x-ray. She also gave me a sample of symbicort. After insurance it looks like I only owe them $25.74.
__________________
"Today is forever, tomorrow is just one of yesterday's dreams"
WDW 4/18/2008 Bergenfield High School Marching Band at the Magic Kingdom


Environmentallity Begins With You
starwood is offline   Reply With Quote
Old 09-03-2012, 11:18 AM   #17
Pooh2
DIS Veteran
 
Pooh2's Avatar
 
Join Date: Jan 2011
Posts: 1,811

Quote:
Originally Posted by tasha99 View Post
The problem is doctor's offices don't post their prices in any way that makes it easy for consumers to know what their visit will cost. Ask, and often you get an unclear answer.
Agreed!

I have asked the front desk person on more than one occasion when visiting specialists what cost to expect. They usually reply that they do not have a price list, the price differs for each insurance. I have asked for a cash price list, this is not available at the front desk. The front desk person has no clue where to find this information. Very frustrating. I also have a $3000 per family member deductible.
Pooh2 is offline   Reply With Quote
|
The DIS
Register to remove

Join Date: 1997
Location: Orlando, FL
Posts: 1,000,000
Old 09-03-2012, 11:42 AM   #18
ceecee
DIS Veteran
 
ceecee's Avatar
 
Join Date: Apr 2001
Posts: 10,231

Call the office and ask to speak with the office mgr. that is a snarky answer imo "go to the library" really??? I was an office mgr and that is an unacceptable answer from a staff member to me.
I think a lot of the problem is the Dr bills whatever they think they can get and since there are so many PPO and they write off so much they just bill! I was billed $70,000 for a hysterectomy! $45,000 for a robotic which he was unable to complete due to endometreosis and $25,000 for the complete that he did do. Of course my insurance paid $17,000 and he had to write off the rest.
__________________
ceecee is offline   Reply With Quote
Old 09-03-2012, 11:52 AM   #19
GoofyMB
Mouseketeer
 
Join Date: May 2012
Location: Ma
Posts: 380

Another thing that I find extremely frustrating is that I went to my doctor for a physical in April and he has me go to the lab and get blood drawn so he can have some tests run and I through July have received bills from 4 different doctors/labs. I don't understand why it isn't all billed through the doctors office. And while I know that my insurance covers physicals in full and they tell you other charges may be incurred at the time if other procedures arise I would think costs related to the doctor getting the info to check (cholesterol etc) would be included as part of the physical. Isn't that what the check up is for... to see if you are healthy?

I am a CPA and all costs to my clients are billed through my office. They don't get charged by the software co for use of the software and the office supply co for use of paper. So why do I receive separate bills for everything related to a doctor visit?
__________________
GoofyMB is offline   Reply With Quote
Old 09-03-2012, 12:03 PM   #20
Kims09
Mouseketeer
 
Kims09's Avatar
 
Join Date: Jul 2009
Location: Wisconsin
Posts: 75

OP here: Just to clarify, my family and I have a high deductible health plan (HDHP), which in this case means we are responsible for 100% of the first $4000 of medical expenses, then insurance picks up anything over $4000 at 100%. The $587 is the total charge with no insurance coverage as we have not meet the deductible yet this year (which is fine by me).

However, as a result, this type of plan forces me to question every charge a whole lot more than when we had a non - HDHP plan.

I don't contest the doctor's portion of the bill- the $280 or whatever it was. But the test portion and the reading I do not agree with; my gut is telling me that this isn't correct and I really need validation that this is a true and accurate charge.

Also, I have been to a other general practioners before in the past, have explained my breathing issues. I have at least two times been given by those GPs a generic plastic home version of this test to use myself. Looking at another poster's response- I do believe it is a peak flow meter that was given to me. I'll have to research a bit more. There was no graphs involved or a doctor reading anything- it was all read by the CNA, LPN, RPN or whatever her title is- as it was a digitized result on a small screen built right into this hand held test. This is part of the reason I am calling this test non-evasive or difficult-because most likely I may have recieved a similiar result if I would have brought in my plastic generic peak flow meter and used it at the doc's office instead of the digital version they provided.

It's just going to take some time & persistence on my end to get this resolved, or at least prove to me that this charge is accurate.
Kims09 is offline   Reply With Quote
Old 09-03-2012, 12:36 PM   #21
Leajess99
DIS Veteran
 
Leajess99's Avatar
 
Join Date: Jan 2009
Location: Kentucky
Posts: 3,315

Quote:
Originally Posted by Kims09 View Post
I spent about 15 minutes with the CNA first who took vitals and notes, and then proceeded to give me a “test”, breathing into this small hand-held contraption that essentially checked my rate of flow of breath as I exhaled then provided a digitized result. This test took no longer than 30 seconds and is no more evasive than having your blood pressure checked with a digitized cuff.
After checking the EOB, I discovered that I was charged about $258 to see the doc, $312 for a test, and another $17 for a separate test.
That is the spirometry test. My daughter has it done every 6 months with her allergist and it surely does not cost $312 here nor is there an additional charge for reading it. The nurse does it and then prints out the results for the doctor to see. He will then let us know where she stands at that point on her breathing and adjusts her meds accordingly.

It is not cheap having asthma but I do think some doctors tend to charge more as they can get away with it.
Leajess99 is offline   Reply With Quote
Old 09-03-2012, 12:46 PM   #22
Tink-aholic
DIS Veteran
 
Tink-aholic's Avatar
 
Join Date: May 2007
Location: New Hampshire
Posts: 995

Quote:
Originally Posted by Kims09 View Post
OP here: Just to clarify, my family and I have a high deductible health plan (HDHP), which in this case means we are responsible for 100% of the first $4000 of medical expenses, then insurance picks up anything over $4000 at 100%. The $587 is the total charge with no insurance coverage as we have not meet the deductible yet this year (which is fine by me).

However, as a result, this type of plan forces me to question every charge a whole lot more than when we had a non - HDHP plan.

I don't contest the doctor's portion of the bill- the $280 or whatever it was. But the test portion and the reading I do not agree with; my gut is telling me that this isn't correct and I really need validation that this is a true and accurate charge.

Also, I have been to a other general practioners before in the past, have explained my breathing issues. I have at least two times been given by those GPs a generic plastic home version of this test to use myself. Looking at another poster's response- I do believe it is a peak flow meter that was given to me. I'll have to research a bit more. There was no graphs involved or a doctor reading anything- it was all read by the CNA, LPN, RPN or whatever her title is- as it was a digitized result on a small screen built right into this hand held test. This is part of the reason I am calling this test non-evasive or difficult-because most likely I may have recieved a similiar result if I would have brought in my plastic generic peak flow meter and used it at the doc's office instead of the digital version they provided.

It's just going to take some time & persistence on my end to get this resolved, or at least prove to me that this charge is accurate.
Generally, anything that goes inside your body is considered "invasive" (biopsy, endoscopy). A non-invasive test is something that can be recreated over and over without harming the patient (vital signs, ekg, spirometry).

I would think non-evasive tests are when people don't run away when trying to take their blood!

Just so you are using the correct terms when you are talking to the billing people.
Tink-aholic is offline   Reply With Quote
Old 09-03-2012, 01:30 PM   #23
Eastern
DIS Veteran
 
Eastern's Avatar
 
Join Date: Dec 2006
Location: NJ
Posts: 1,899

Quote:
Originally Posted by GoofyMB View Post
I am a CPA and all costs to my clients are billed through my office. They don't get charged by the software co for use of the software and the office supply co for use of paper. So why do I receive separate bills for everything related to a doctor visit?
When your primary doctor sends you for tests or bloodwork, it has nothing to do with his office. The lab that draws the blood is a separate business. The facility that performs the test is a separate business. The doctor who reads the test that the facility performs is a separate business. Your general doctor is not going to be able to interpret a specific test that another specialist is trained for.

Your doctor's office is a separate business. They are not billing you for software or paper either. They are billing you for their services, which I am sure includes all costs of doing business. You are paying for the receptionist, the nurse, the supplies and the rent for the building he practices in. I am sure you have accounted for the software costs and the paper costs in the price you charge your clients for use of your CPA services.

People seem to think that the total fee doctors charge goes straight into their pockets. This is not true for other businesses, so why should it be true for doctors?
Eastern is offline   Reply With Quote
Old 09-03-2012, 02:04 PM   #24
Debbie Jean
DIS Veteran
 
Debbie Jean's Avatar
 
Join Date: Feb 2005
Location: New Jersey
Posts: 1,620

Quote:
Originally Posted by Eastern View Post
When your primary doctor sends you for tests or bloodwork, it has nothing to do with his office. The lab that draws the blood is a separate business. The facility that performs the test is a separate business. The doctor who reads the test that the facility performs is a separate business. Your general doctor is not going to be able to interpret a specific test that another specialist is trained for.

Your doctor's office is a separate business. They are not billing you for software or paper either. They are billing you for their services, which I am sure includes all costs of doing business. You are paying for the receptionist, the nurse, the supplies and the rent for the building he practices in. I am sure you have accounted for the software costs and the paper costs in the price you charge your clients for use of your CPA services.

People seem to think that the total fee doctors charge goes straight into their pockets. This is not true for other businesses, so why should it be true for doctors?
and malpractice insurance!!! I know of at least 2 wonderful doctors who decided to retire early because it had become so high in their areas of specilization.
__________________
Debbie Jean is offline   Reply With Quote
Old 09-03-2012, 02:34 PM   #25
barbarabini
Mouseketeer
 
Join Date: Jul 2004
Posts: 392

I have chime in. For months prior to the birth of my daughter, I tried to get a estimate of charges from the hospital for a c-section, anesthesia and the pediatric doctor visits to the newborn. After mutliple calls, I could not get a simple, "this is at least how much the room is going to cost", or what practice the anesethiologist and pediatrician would come from so at least I could request an in network one. Finally, two days after the birth the billing office came up to my room, with the hospital estimated bill and requested payment. So even if you try to get the information, it is difficult if not impossible in a hospital setting.

Now, from having a prior baby there and upon checking in and having them ask for $3000 (my entire deductible) up front, I was prepared with my credit card. But, I wanted that estimate beforehand, so that I could anticipate the charges that would be coming. The hospital doesnt check to se how much of your deductible is fulfilled until they actually submit the bill to the insurance.

Now, we have a 3000 deductible, which incidently just got increased to 5000 for the coming year. No choices from the employer - it is what it is. So, now I will be prepared with at least the 5000 to put on the table for the next hospital procedure.
barbarabini is offline   Reply With Quote
Old 09-03-2012, 03:19 PM   #26
tink_n_pooh
my TP isn't going anywhere. I can start the TP underground, anyone who is interested just let me know
I'm happy my underwear are clean
 
tink_n_pooh's Avatar
 
Join Date: Jun 2005
Location: Northwestern, NJ
Posts: 4,038

OP, what is the CPT code for the test that you are questioning? The national average cost for things like that can be found online if you have the CPT code
__________________
Me (33)
DH (35)
DD (2)
DD (2014)
tink_n_pooh is offline   Reply With Quote
Old 09-03-2012, 04:53 PM   #27
disneywithfive
Mouseketeer
 
Join Date: May 2006
Posts: 378

Our local hospital bought the local radiology department. Now everything is processed as outpatient. Before, everything at radiology was under the doctors claims and paid 100%. What beats all is that a test I had one year (under the doctor's #) cost $185 to insurance but the next year I had the same test, under the hospital coding, and it cost $450. Needless to say, I found somewhere else to have this annual test. I drive about an hour into the next state and pay nothing but my time, and gas. A whole lot cheaper then $450.
__________________
Me DH dd, 10 ds, 9 dd, 8
disneywithfive is offline   Reply With Quote
Old 09-03-2012, 06:42 PM   #28
sparklynails23
DIS Veteran
 
Join Date: Oct 2009
Posts: 1,877

I recently paid out of pocket for a Pulmonary Function Test. It was $65, but I had to take it to my General Practitioner. OP, you are getting screwed, but you need to ask about costs up front. With a high deductible, the burden is on you.
sparklynails23 is offline   Reply With Quote
Old 09-03-2012, 08:19 PM   #29
TiggerStac
I'm going to join in on this one
he sure looks like a dog on the sweatshirt
 
TiggerStac's Avatar
 
Join Date: Feb 2004
Location: 1315.1 miles too far away from the Magic Kingdom.
Posts: 2,395

my allergist charges 85 and ins covers 42 of what has been described. if it's the spirometery (? spelling) where you take deep breath then exhale as hard as you can. and you have to do this a couple times.

It takes a reading and prints out for md. Just an FYI.
__________________
TiggerStac is offline   Reply With Quote
Old 09-03-2012, 08:50 PM   #30
KatheeME
DIS Veteran
 
KatheeME's Avatar
 
Join Date: Jan 2005
Posts: 794

Quote:
Originally Posted by madscrapper View Post
Not always true. I am a nurse in a dermatology practice and for anything elective or more than just an office visit, we have a price sheet in every room. Also, patient's can ask at the time their appointment is scheduled what the fee is for the office visit - meaning what we bill their insurance. It is up to patients to make sure they understand what their insurance covers.
I have worked in a doctor's offic over 15 years now and it never fails to amaze me that people automatically asume that their insurance will cover their bill! ASK what visits, tests, procedures, etc cost BEFORE the appointment, they can tell you. If it's unknown the specifics of an appointment are not known, ASK at the appointment the cost of anything that comes up.

Also, don't always blame the insurance company, "blame" the employer, THEY make the decisions about what the plan you get from work will cover and not cover.

What ever happened to personal responsibility?
__________________
Kathee in Maine
KatheeME is offline   Reply With Quote
Reply



Thread Tools
Display Modes Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump

facebooktwitterpinterestgoogle plusyoutubeDIS Updates
GET OUR DIS UPDATES DELIVERED BY EMAIL



All times are GMT -5. The time now is 07:32 AM.

Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.

Copyright © 1997-2014, Werner Technologies, LLC. All Rights Reserved.