Many Flexible Health Plans Come With A Costly Trap
Vince Hess of Grandview, Mo., racked up about $800 in costs related to surgery for a broken hand in 2013. Hess, an actuary, first checked that his surgeon was in network. He had the operation at an in-network surgical center, but only learned later when he was billed that the two anesthesiologists who assisted in the surgery were not.
This kind of thing should result in health care providers (insurers etc.) going to jail. It is intolerable that someone has insurance and is expected to police the health care provided to them in such a way. Costs must be detailed up front or they should not legally allow to be billed.
I realize emergency situations will create some complexity with providing all costs in advance, fixing that part can be delayed. This behavior of billing after the fact for huge expenses has gone on for at least a decade. It should have been stopped after a year. It is intolerable that our political parties just make excuses and sacrifice our lives to disreputable business practices by health care providers. This needs to be fixed now. Not after another decade or two of the parties not fixing it. Now.
If you have insurance and use the insurance, the insurer must be expected to deal with the games hospitals and doctors chose to play to try and stick USA citizens with bills after the fact. This isn't about making the USA system close to as good as the second worst rich country heath care system this is about fixing an intolerable hardship placed on citizens by the medical care system the Democrats and Republicans have put in place over the last 20 to 40 years.
Related: Medical Debt Increases as Economy Declines - Out of Pocket “Maximum” – Understanding USA Health Care Costs - USA Health Care Spending 2013: $2.9 trillion $9,255 per person and 17.4% of GDP - USA Spends $7,960 Compared to Around $3,800 for Other Rich Countries on Health Care with No Better Health Results (2009 data) - Our Failed Health-care System (2008)