Quote:
Originally posted by taxwonk
Actually, what I contracted for was to have my health care costs covered. I don't have any bargaining power witht the providers, the insurer does. It ought to be the one negotiating and argeeing on an amount for the hospital stay. It should not be incumbent on me, on my own, to fight it out with the hospital.
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Of course you have bargaining power with the providers, and you should use it when you come in with a concussion and go to a different hospital if the one you are at won't give you the services at the price you want (i.e., the amount your insurer will reimburse). While I'm being sarcastic about the concussion thing to point out that this is one service it is difficult to bargain about, I'm serious about the bargaining. A lot of doctors I see lately have signs up saying that some insurers do not reimburse the full amout of the charges, and that the patient will be responsible for any amounts not reimbursed.
If you want everything covered, go with an HMO not and indemnity or whatever it's called.
