Undecipherable Healthcare System in USA
A doctor in
Things won’t work that way in US. Based on your insurance you have to select the doctor. Otherwise you may end up paying more. During the visit you pay just the co-pay. Once your visit to the doctor is over and within few days you start getting so many letters like this one below. The benefits summary below is the one I got after I took my daughter for her normal three month’s shot.
Have a look at this benefits summary. The doctor’s office after your visit charges a huge amount to the insurance company so that they can get maximum amount from the insurance company. The insurance company pays an amount to the doctor/clinic based on the experience and market rate. In order to get the maximum possible amount the doctor/clinic overcharges the insurance company. Now some doctors/clinic charges the remaining amount to the patient by sending him/her the bill. The patient has no idea that a bill of such an amount will come to his house a few weeks after the procedure. There is no way in US to know how much a patient may end up paying for a particular procedure beforehand like in
Now the doctors/clinic make money by billing mammoth amount and insurance companies makes loads of profit by raising the insurance premium every year. But who is the loser in all this transaction – the common man who pays the insurance premium and goes to the hospital as a patient. Hopefully the health care reform bill will pass one day and things change. Hoping for the best…