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Posts from Jan. 1, 2018 to the present. Plus important announcements. (ICD warning sounds)

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TruckerRon
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Re: Question

Post by TruckerRon » July 11th, 2018, 12:59 pm

mykidsmom wrote:
July 11th, 2018, 12:14 pm
ok i wont ask any of these questions although i did wonder....but outa respect...........


BTW it would be illegal here to claim from any more than one insurance coverage policy for the same item....unless in the case of kids with braces then the cost can be split beween moms private coverage and dads...

I cant ask about this either??
Sure you can ask about it! And here's a link to an explanation that may or may not be entirely accurate for where you live (laws differing by country, state, province, whatever):

https://www.deltadentalins.com/individu ... erage.html
TruckerRon -- Received Minion I on 17 Sep 2009, Minion II on 26 Jan 2015

Non-ischemic cardiomyopathy
Medtronic Viva XT CRT-D
No shocks yet...
My intro is at: http://www.icdsupportgroup.org/board/vi ... 099#p57099

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ROBO Pop
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Joined: September 14th, 2009, 2:36 pm
Location: the Oval Office

Re: Question

Post by ROBO Pop » July 11th, 2018, 1:06 pm

Here we have what is known as primary and secondary coverage in some cases. The primary is first payor and secondary pays based on balance

What they bill you is grossly higher than insurance pays. My first device in 2007 I spent about 10 hours at the hospital no challenges and they billed $250,000. My insurance paid $45,000. What's really ridiculous is that my open heart surgery there were dozens of doctors involved. All kinds of complications, and I was hospitalized in the critical care unit for 5 weeks. The total bill for that was $500,000. No idea what the insurance paid out for that. What you are billed is highly dependent on factors such as where you are located, the hospital, surgeon and so on. It varies significantly from region to region.
Broken Heart
Nobody has ever survived life, but I'm trying...
My story and sticking to it
http://www.icdsupportgroup.org/board/vi ... 97&p=91375

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mykidsmom
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Re: Question

Post by mykidsmom » July 11th, 2018, 2:13 pm

omg illness is big business...id be living under a bridge somewhere if i didnt live in canada..this past year alone would have bankrupted us

Thanks for the link Ron this is similar to how things work with with dental plans for kids.
I think.....Therefore I am.!!!!!

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ROBO Pop
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Re: Question

Post by ROBO Pop » July 13th, 2018, 10:06 am

the number one cause of bankruptcies in the US is due to medical debt. One thing that shocked me when I was talking to the transplant team was their comment that the majority of patients who get a transplant, with or without insurance, must file bankruptcy. Yeah, you could say medical costs are out of control, no matter the cause. But if we want to be pissed at someone remember while patients struggle with medical debt insurance companies are announcing historically high profits
Broken Heart
Nobody has ever survived life, but I'm trying...
My story and sticking to it
http://www.icdsupportgroup.org/board/vi ... 97&p=91375

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KansasAl
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Re: Question

Post by KansasAl » July 13th, 2018, 10:47 am

What shocked me was when they told me that the drugs I would need cost about $7,200.00 a month initially and would taper off to around $2,400.00 a month depending on how well your body accepted the new heart. The kicker is that you have to prove to the committee that you would have the resources to pay your portion of the insurance or the full amount if you lost your insurance.

At my hospital bankruptcy isn't really an option. They won't give you a heart unless you can afford the drugs for the rest of your life. Hearts are a precious
item and they won't take a chance on wasting one because you stop taking your drugs.

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TruckerRon
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Re: Question

Post by TruckerRon » July 13th, 2018, 11:27 am

Statistics are tricky, slippery things:

https://www.thebalance.com/medical-bank ... cs-4154729

But as ROBO said, "But if we want to be pissed at someone remember while patients struggle with medical debt insurance companies are announcing historically high profits."
TruckerRon -- Received Minion I on 17 Sep 2009, Minion II on 26 Jan 2015

Non-ischemic cardiomyopathy
Medtronic Viva XT CRT-D
No shocks yet...
My intro is at: http://www.icdsupportgroup.org/board/vi ... 099#p57099

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