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Best quote: "NYU's Caplan found the idea of sending money to patients ludicrous. "You're going to be giving out these sums of money that a lot of people never see in a year and tell them their duty is to shift it over to the out-of-network service provider?" he said. "You can't be serious."" They are close to stating that medical bills are far out of proportion compared to what people make.
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Mar 2, 2019 04:21
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Probably be worth stashing the money and filling bankruptcy.
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Mar 2, 2019 06:20
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SimonCat posted:Best quote: Is that Art Caplan, the celebrity bioethicist? dude's a colossal turd fake edit: yeah, it's him. Dude's never met a microphone he couldn't promote himself into-and as a result the press use him as the voice/face of medical ethics. A bigger glory-hound and enabler I've never met. I have no opinion on the policy, and Caplan's reasoning is far too meaningless for his opinion to hold any weight with me (though note that earlier in the article, he says "Only in our crazy, market-driven, bureaucratic mess of a system would we think about this kind of a solution." - he's agreeing with you.) It's not that Caplan's wrong about things, it's that he has a knack for attaching himself to big ticket policy programs (good or bad) and promoting himself off of them, leaving the field to develop as slowly as possible. I honestly can't think of a single theoretical contribution he's had aside from being involved with Jesse Gelsinger's death-something that somehow elevated his status, despite the fact that he should have prevented it. Emblematic of what's wrong with the field. Discendo Vox fucked around with this message at 05:54 on Mar 3, 2019 |
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Mar 3, 2019 05:47
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Discendo Vox posted:It's not that Caplan's wrong about things, it's that he has a knack for attaching himself to big ticket policy programs (good or bad) and promoting himself off of them, leaving the field to develop as slowly as possible. I honestly can't think of a single theoretical contribution he's had aside from being involved with Jesse Gelsinger's death-something that somehow elevated his status, despite the fact that he should have prevented it. Emblematic of what's wrong with the field. He sounds like the Cass Sunstein of bioethics
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Mar 3, 2019 06:06
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Covered California gave me two options for dental care, HMO (cheap) and PPO (several times more expensive). Is the HMO plan way worse as far as selection goes? I found out I can keep my trusted long-time dentist with the PPO plan but I don't know if the alternative is so bad as to justify all that cost. Specifically the company is Liberty dental plan
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Mar 3, 2019 08:27
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How about HMO plans in general? For health and not just dental. For doctors I picked one of California's managed plans, LA Care, instead of Anthem Blue Cross. Anthem was going to charge more for the same coverage limits and plan. Did I gently caress up? I forgot that this wasn't just an arbitrary choice and could greatly impact the number of places I could go. Do only a handful of doctors and specialists take LA Care compared to tons that take Anthem? And do their places tend to be run more like a free clinic where each patient gets less attention? I'll need to find neurologists and specialized psychiatrists that take it, and ideally have some wiggle room to vet them beforehand and be a little selective. Is that impossible with LA Care? Should I have gone with Anthem?
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Mar 6, 2019 11:58
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 as to which plan is best for your needs.Provider directories posted on insurers' websites are notorious for being inaccurate--which has led to lawsuits and regulatory actions. Add to that that insurers' contracts with providers are constantly coming up for renewal throughout the year--which leads to a provider being in-network when you sign up with that insurance, but the provider later doesn't accept your insurance. And add to that the new normal of ultra-skinny networks--which means that even if you go to an in-network hospital, you're totally liable for paying the full cost of any non-network practitioner who treats you in an in-network facility. The best way to gauge if the plan is right for you is to call a specific specialist, ask if s/he takes your specific plan (not just insurer, bc every insurer offers dozens of plans), then confirm the office take your insurance when you show up for each appointment.
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Mar 6, 2019 18:47
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Man, I hate the 8962 form.
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Mar 6, 2019 23:28
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sullat posted:Man, I hate the 8962 form. If you hate it bc you didn't have insurance in 2018, just get the hardship exemption form and use Code G for the months you went without.
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Mar 6, 2019 23:44
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Willa Rogers posted:If you hate it bc you didn't have insurance in 2018, just get the hardship exemption form and use Code G for the months you went without. I have no strong feelings towards the 8965 form, it's just that spending several hours a day patiently explaining the delightfully simplistic form can tax (get it) even the devout supporters of the PPACA.
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Mar 7, 2019 02:51
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I got this today for bacterial part of this terrible bacterial+fungal ear infection. It has no generic yet. Guess how much it cost me (I do have insurance, but hadn't met my deductible yet)
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Mar 15, 2019 23:37
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actionjackson posted:I got this today for bacterial part of this terrible bacterial+fungal ear infection. It has no generic yet. Guess how much it cost me (I do have insurance, but hadn't met my deductible yet) Looks like it's $300 retail for that huge quantity of 7.5 ml, according to Goodrx.
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Mar 16, 2019 00:13
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Willa Rogers posted:Looks like it's $300 retail for that huge quantity of 7.5 ml, according to Goodrx. You're supposed to guess 
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Mar 16, 2019 03:11
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I'll guess $575 if bought out of pocket no discounts, $125 with your copay?
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Mar 16, 2019 04:41
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$0.69?
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Mar 16, 2019 04:53
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Dumb Lowtax posted:$0.69? He asked how much it cost to buy, not to make.
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Mar 16, 2019 05:22
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actionjackson posted:I got this today for bacterial part of this terrible bacterial+fungal ear infection. It has no generic yet. Guess how much it cost me (I do have insurance, but hadn't met my deductible yet) Ah yes, as the father of a young child I am very familiar with ciprodex. It's just loving cipro and decadron.  Doesn't seem like that big of a deal for such a huge price.
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Mar 16, 2019 05:51
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Willa Rogers posted:Looks like it's $300 retail for that huge quantity of 7.5 ml, according to Goodrx. Costs 20 USD in Australia for 5ml, for comparison.
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Mar 17, 2019 02:21
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Flannelette posted:Costs 20 USD in Australia for 5ml, for comparison. So proud to be an American. 
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Mar 17, 2019 02:33
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https://twitter.com/AlexThomasDC/status/1107069198805712897 Dammit, Joe: bring drug prices down.
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Mar 17, 2019 08:26
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This piece on the life and death of Dick Dale sure has a lot of AmericanHealthcare.txt moments:quote:Dale continued grinding out concerts on the road despite his health problems — which also included diabetes, renal failure and vertebrae damage that made being onstage excruciatingly painful — because of medical bills. Even with insurance, the cost of buying bags and patches for his colostomy bag and other treatments required Dale to perform live. Touring was his only source of income.
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Mar 18, 2019 13:42
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I'm trying to find an outline of the court process after the Texas judge "struck down" the ACA last year. Apparently it went to the 5th circuit. Are they hearing the case? What is even happening lol
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Mar 27, 2019 03:31
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Insanite posted:This piece on the life and death of Dick Dale sure has a lot of AmericanHealthcare.txt moments: The man practically invented an entire sub-genre of rock ‘n’ roll, and he couldn’t afford to take care of his colostomy bag. What chance do the rest of us have?
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Mar 28, 2019 06:36
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American Healthcare: can you afford the cost of living?
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Mar 28, 2019 15:11
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https://montreal.ctvnews.ca/body-discovered-in-back-seat-of-family-s-car-at-hemmingford-border-crossing-1.4359687 posted:CTV Montreal
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Apr 1, 2019 16:21
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I'm sorry if this is a bad place to ask this, but I've looked around a number of sub-forums and didn't see an obvious place to post this, so hopefully this works. I agreed to help my dad file his taxes this year. Mom always took care of that, but she was killed in a car accident in November 2017. I think my dad used an accountant to file his taxes last year because it was easier and he wasn't sure how Mom's passing impacted the tax situation or not, but this year that wasn't a factor and I don't think he wanted to spend the money on a tax preparer again. It was actually going swimmingly a couple of months ago until I found out that the state of Michigan never sent him his 1095-A proof of health insurance form. I pushed him to call them to ask for it, and they mailed one to him. Then I've had to push him for more than a month to scan the drat thing so that I could finish filing his taxes before the suddenly-looming deadline. Anyway, I finally got the scanned form today and I was surprised to see my mom still listed on it as a covered individual. He paid more than $18,000 for health insurance last year (which is about as much as he had in income from his part-time work, holy gently caress). She shouldn't still be listed, should she? And is he paying 2x what he should be paying for health insurance because the plan has two people?
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Apr 10, 2019 04:18
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surf rock posted:She shouldn't still be listed, should she? And is he paying 2x what he should be paying for health insurance because the plan has two people?
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Apr 10, 2019 13:48
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He needs to contact the marketplace and send them a copy of her death certificate. Michigan appears to participate in the federal marketplace, so healthcare.gov in this instance. They will likely retroactively remove her from coverage effective the date of death and he will not be responsible for her tax credits afterwards. This is how it works in California, I assume Michigan is similar. This will, however, cause a recalculation of his gross premium and tax credit eligibility (if he received any tax credits) for all of 2018, and he may end up owing more or less to the actual insurance company for every month of 2018. Once all of that is complete, the marketplace will most likely send him a corrected 1095-A that will likely be different from the one you have now. He will likely need to file an extension on his taxes, or file now with the incorrect 1095-A, then file an amended return later. I'm not a tax expert so sorry I don't know which method is preferred. Highbrow Slick fucked around with this message at 14:31 on Apr 10, 2019 |
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Apr 10, 2019 14:01
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Thank you all!
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Apr 10, 2019 17:09
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https://twitter.com/npr/status/1124312660600688640?s=21 Somethings really gotta give, and soon
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May 3, 2019 15:21
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Rhesus Pieces posted:https://twitter.com/npr/status/1124312660600688640?s=21 I made the mistake of reading some comments - I know, I should know better. The astounding level of stupidity and "but big gubment" is sickening. It's absolutely sickening that in this area of globally available information that so few people have the ability to look at the way things are done elsewhere, synthesise that and at least propose realistic solutions based on precedent set in other places. Meanwhile, it's nothing but blaming any attempt at reform and "Big Brother!" paranoia. JustJeff88 fucked around with this message at 16:43 on May 3, 2019 |
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May 3, 2019 16:41
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Rhesus Pieces posted:Somethings really gotta give, and soon Yep. Your organs. They'll give first.
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May 3, 2019 18:44
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Made the mistake of getting my blood drawn at northwestern hospital instead of labcorp. Somehow 12 tests that would total maybe $200 cost a staggering $961. Luckily the company covers the first $1000 of my deductible so I wasn’t blown out, but there is no reason for automated blood tests in 2019 to cost nearly $1000. Fun fact: before the BCBS negotiated rate they wanted $2300
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May 3, 2019 19:15
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Flannelette posted:Costs 20 USD in Australia for 5ml, for comparison. But you'd actually pay A$20 due to PBS.
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May 5, 2019 03:41
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CAPS LOCK BROKEN posted:Made the mistake of getting my blood drawn at northwestern hospital instead of labcorp. Somehow 12 tests that would total maybe $200 cost a staggering $961. Luckily the company covers the first $1000 of my deductible so I wasn’t blown out, but there is no reason for automated blood tests in 2019 to cost nearly $1000. If you did it at a facility it can be billed as an institutional claim and they tag their facility fee on all of those. Their "reasoning" is that you're paying for the general operating expenses required to maintain all of northwestern hospital. It's ridiculous.
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May 24, 2019 18:59
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Ok I have a question I'm in NY and get insurance through my employer (I have to because their cheapest lovely bronze plan is "affordable" and I'm locked out of the exchange) BUT I just had a revelation - am I right in thinking that I could qualify for Medicaid if I dump a large chunk of my salary into my 401k and IRA to lower my MAGI? I have a lot in savings and could easily live off 10k or whatever in earned income with the rest going to retirement - if I did this, would I still be required to pay premiums for an employer plan? Or would the employer plan no longer be "affordable" since my reduced MAGI would render it not affordable?
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Jun 1, 2019 06:05
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MAGI takes gross income. Unless you have kids it’s pretty hard to get unless you wanna live super poor.
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Jun 1, 2019 06:22
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Invalid Validation posted:MAGI takes gross income. Unless you have kids it’s pretty hard to get unless you wanna live super poor. I don't think this is correct; MAGI = Modified Adjusted Gross Income, and includes offsets to income from retirement-account contributions. I posted in the tax-questions thread in BFC last year asking if the new tax law changed this for ACA-subsidy purposes and the answer was no. And when I used tax sw to do my 2018 return, that was indeed the case (retirement contributions offset adjusted gross income). All that said, I'm self-employed and not an employee, so EugeneJ should prolly ask the BFC tax thread to clarify the rules for employees' qualifying for a subsidized plan on the marketplace and opting out of employer-provided coverage. The reddit sub r/tax would be another place to ask.
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Jun 1, 2019 18:52
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EugeneJ posted:I just had a revelation - am I right in thinking that I could qualify for Medicaid if I dump a large chunk of my salary into my 401k and IRA to lower my MAGI? I don't know if this varies from state to state, but the documentation from Oregon's Medicaid program suggests that you do deduct 401(k), 403(b), and IRA contributions from income in determining Medicaid eligibility.
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Jun 3, 2019 23:45
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Everything about Medicaid varies by state, pretty much.
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Jun 6, 2019 02:15
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