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Thread: Salary and cost of living

  1. #21
    Editor Matt Meltzer's Avatar
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    I have never heard of doctors who don't take insurance. That's absolutely asinine. Insurance compaines pay way more than people paying out of pocket. Where on EARTH are you seeing this, Christy. What doctor in America DOESN'T take insurance.

    I will say one good thing about our system is that a lot of times it keeps people who aren't really that sick from crowding up hospitals. Like if I have a cold for a month, and can still funchtion, and it's gonna cost me hundreds of dollars to get it looked at, well, I'm just gonna tough it out. And ya know what? It gets better. People are a little too conditioned to go see the doctor when anything is bothering them. I''ve been a whopping 4 times in the last 4 years I think. And I even have insurance now.

    Point is, our system isn't perfect. And it may a sort of natural selection process finding its way into modern society. Like those intelligent enough to be educated and have jobs and pay for insurance survive. Those that aren't do not. Humans have f-ed up evolution with our technology, but I think natural selection somehow finds a way.

  2. #22
    Senior Member Blackford Oakes's Avatar
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    Well check this out, Matt.

    I have two needs for visiting an Ortho clinic. This clinic has an exceptional foot guy recommended by various people. He doesn't take my insurance plan, but his partner in the same office does.

  3. #23
    Editor Christy's Avatar
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    Matt, tons of doctors don't take insurance. Most run of the mill, graduated from a so-so medical school, primary care general practitioners accept insurance. Insurance only pays doctors a certain amount, like $60 let's say.

    So if the doctor is above average, they can charge whatever they want..usually $200 and up per visit. I just went to a psychologist (to work on my fear of bugs) in ny.. her price is too high for me to admit to people that I pay it, but it's actually the standard. She does not take insurance. This is typical for most specialists-dermatologist, ob-gyn, etc.

    And, when I did have insurance- Aetna..I would call a doctor to try to get an appointment (no one fabulous, just on the Aetna list), and they ask if you have insurance. If the answer is yes, there's an appointment opening in 3 months. I called back and said no insurance and there was something open next week-they make way more with the patient paying out of pocket.

    It's not the doctors, it's the greedy insurance companies being cheap. And once I went "out of network" for a doctor, and then the insurance company said, "oh we can only reimburse you our usual and customary rate-that doctor should charge $70." Well no, the doctor charges $175, and then they tell me I live in an expensive area.

    Lots of doctors accept insurance when they just open up a practice- to build a clientele. And then after they have a following they say they're phasing out working with insurance companies and most people stay and pay out of pocket.

  4. #24
    Member Hoppie's Avatar
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    Default Re: Salary and cost of living

    Quote Originally Posted by Christy View Post
    I would call a doctor to try to get an appointment (no one fabulous, just on the Aetna list), and they ask if you have insurance. If the answer is yes, there's an appointment opening in 3 months. I called back and said no insurance and there was something open next week-they make way more with the patient paying out of pocket.
    Darn, this is the system the Netherlands abandoned 10 years ago, and now I'm back into it. With as major difference that then, it was 'collective' insurance (cheap, so long waiting) versus 'private' insurance (more expensive, higher incomes only, so brief waiting). But both insurance, not out-of-pocket. Never.




    Dutchie

  5. #25
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    Default Re: Salary and cost of living

    About 6 weeks ago I went to my dentist for a check up. I had a litle cavity and the upper wisdomteeth had to be pulled so i had to make another appointment. 2 days later I received the bill for the check up and the pics, 77 euro. 2 weeks later they pulled the wisdomteeth and filled the cavity. Again within a week i got the bill, this time 147 euro. I made copies of the bills and gave them to the nice lady at the insurance company. Last week i received the 75% from the insurance (basic package) and thats when i paid the dentist.

    How would this work in miami?

  6. #26
    Editor Matt Meltzer's Avatar
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    You would probably have a card with your insurance information on it, and you'd have some sort of co-payment to pay. Then the dentist would just bill the insurance company under your policy.

    I don't know that I'm opposed to "get what you pay for" insurance. Seems fair enough. You pay more, you wait less. Kind of like the variable toll roads.

  7. #27
    Member Maria de los Angeles's Avatar
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    I have insurance now but was without out it for a couple of months when I switched over from Blue Cross to AvMed.

    Of course, that's when something came up and really had to see a dermatologist. Since I had seen him before and my parents are also his patients, he gave me a good deal on an out-of-pocket rate. In fact, it was only $10 more than my current co-pay. And he gave me loads of samples so I wouldn't have to pay for prescriptions.

    He is a very well-known doctor in MIami and has tons of patients. I really appreciated his being able to work with my limited financial situation during all of this.

    If you go to a doctor out-of-pocket or even if you have insurance but still have copays and are on a budget, it doesn't hurt to ask what is the most economical options for treating whatever you have. In fact, it can help you avoid unnecessary tests.

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