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I'm Shocked I tell ya, there's no such thing as Surprise Medical billing, I was told so by Liberals while I was the first person in the country to receive them.


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2020 Sep 30, 4:52pm   685 views  12 comments

by Tenpoundbass   ➕follow (7)   💰tip   ignore  

Surprise Medical billing was unheard of an illegal before Obama took a crack at "Fixing" our healthcare sytem.

https://www.breitbart.com/politics/2020/09/30/poll-74-percent-of-battleground-voters-prefer-dispute-resolution-over-rate-setting-for-surprise-billing/

Surprise billing occurs when a medical provider cannot collect more than the rate negotiated by an insurance company. The surprise bill often arises when a non-network provider charges the full price for the service, billed to the patient.

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1   Patrick   2020 Sep 30, 5:16pm  

The right answer is to:

1. bill in advance for non-emergency care
2. fix emergency care prices by law

So then either you agreed to the bill before treatment, or you're protected in the emergency case, where there can never be market forces anyway.
2   Patrick   2020 Sep 30, 5:58pm  

Trump does need a better healthcare plan, but he can't do everything himself.

He has been absolutely fantastic for the economy and foreign policy and in resisting BLM terror/indoctrination.
3   mell   2020 Sep 30, 7:01pm  

It's one of the worst shits providers and insurance companies do to you. In fact anybody can walk in get treatment with a copy or info from someone else's medical card and just tell them to bill it to that person (say it's family). They will bill you without ever contacting you even when the insurance comes back as claim denied, out of network or card holder no longer insured. I've had that happen with bogus claims and non emergency kid treatment I was never consulted for and everytime I call them and tell them I won't pay a single penny and will involve lawyers if necessary. They usually then work with you and at least make an effort from now on to get your permission first with an estimate bill after checking with the insurance on benefits for the remainder. There should be a law that if they don't do that they can't ever collect and may lose their license. 100% price transparency BEFORE treatment!
4   Dholliday126   2020 Sep 30, 7:30pm  

So I was in healthcare for 20 years. I actually tried to start a company to help people with this, medical bill masters, ended up a dud. Here's some knowledge to help:

- when possible request charges upfront
- when possible ask if your provider is in-network
- when possible ask the mouth breather at the front desk to write both above on your demographic sheet to get it in writing
- some states have surprise bill laws, know them
- when a provider sends you to a collection company, they pay the collections company a fee of anywhere from 20-25% of your total bill. If that collection company wants to take you to court, their fee goes to 50%. Use that fee knowledge to reduce your bill.
- if there are multiple charges, audit your bill. There are places on the internet that will audit your bill for $5. Always audit, payment policies change all the time and scummy providers will throw in extra charges. Terminology is un-bundle and upcoding. These audit companies can also tell you the average reimbursement for the service provided. Use it.

If you feel like you got the bait and switched, always fight it. Most providers will be happy to get 50% of these out-of-network bills. If it's a hospital that won't budge, play hardball.
5   WookieMan   2020 Oct 1, 8:32am  

Dholliday126 says
- when a provider sends you to a collection company, they pay the collections company a fee of anywhere from 20-25% of your total bill. If that collection company wants to take you to court, their fee goes to 50%. Use that fee knowledge to reduce your bill.

Just don't pay it if it's already gone to collections. Credit damage has been done at that point and if I recall correctly, only the original debtor can garnish wages. Just ignore the collection company and move on with life and don't answer calls from numbers you don't know. Major benefit of retirement accounts is they can't be touched. So worse case you file BK if the bill is huge and tell them to pound sand.

I've never understood the fear or anxiety of BK. As long as you're not doing it on purpose charging up $100k in credit card debt, it's not that big a deal. Especially if it's is medical related. That's why BK laws exist. If you have unprotected assets then that's another issue. Probably should just pay the bill.
6   🎂 Tenpoundbass   2020 Oct 1, 8:40am  

I think transparent affordable healthcare is an excellent plan, the best plan in American History.
7   Patrick   2020 Oct 1, 8:47am  

WookieMan says
Just ignore the collection company and move on with life and don't answer calls from numbers you don't know.


One more tip: you can tell the collection company that you demand that they do not call you again and you are recording this call.

If they call you again, you can sue them for it.

The son of a former boss did this and won in court. Instead of him paying out money, it ended up with the collection agency paying him.
8   WookieMan   2020 Oct 1, 10:07am  

Patrick says
One more tip: you can tell the collection company that you demand that they do not call you again and you are recording this call.

Another tip if you do have to answer your phone for work/business because you get unknown numbers that call. Don't say yes to anything. Don't answer the phone using your name like, "hi this is John Doe" either. Just say hello. Regardless if the phone number is in your name, it's not assumed it is you until you do something to verify that, which goes back to the don't say yes tip. If they ask if this is Johen Doe, just ask why do they need to know and what is the purpose of the call. Besides family and friends, every phone call you get has an end goal to it and usually it's to part you from your money.

Also, don't sign for any random letter that is shipped to you either if you don't know about it. This was super common with people in foreclosure in '08-10. If you avoided getting served you could literally save months of mortgage free living. It was stressful working in that industry then, but kind of fun reminiscing after the fact now that I think about it.
9   Dholliday126   2020 Oct 1, 10:44am  

Agree with above, another tactic is to tell the provider you have shit credit, you don't care about collections ... and then throw out what you think is a proper payment and 9 times out of ten they will take it.
10   WookieMan   2020 Oct 1, 11:54am  

Dholliday126 says
and then through out what you think is a proper payment and 9 times out of ten they will take it.

If you don't have the cash, don't feel guilty not paying it. Once the debt is sold to a collection agency it's just a credit score hit. The legal costs to garnish wages isn't worth it for these companies unless it's a huge amount which you would then just file BK and make sure you had assets protected prior to filing.

I'm white, but it's amazing how naive white people are to the system. It's a realm that blacks have conquered. It will hurt you in the future, but you literally don't have to pay for stuff. Between my wife and I, we have over $100k in credit card limits. We could go ape shit buying stuff and never have to pay that money back. And 7 years later we'd have clean credit. The credit reports I've seen in poor areas would stun most people.
11   Patrick   2020 Oct 1, 6:22pm  

WookieMan says
I'm white, but it's amazing how naive white people are to the system. It's a realm that blacks have conquered. It will hurt you in the future, but you literally don't have to pay for stuff.


Some white people know.

I had a Jewish boss in Chicago who did this all the time. Borrow, don't pay.

Also, a co-worker at Wells Fargo had that all worked out. Would routinely max out credit, then default, then wait to do it again.

And now that I think about it, another Jewish co-worker got legally divorced so that his wife could take a big loan and default. But that's actual fraud.
12   mell   2020 Oct 1, 7:12pm  

Patrick says
WookieMan says
I'm white, but it's amazing how naive white people are to the system. It's a realm that blacks have conquered. It will hurt you in the future, but you literally don't have to pay for stuff.


Some white people know.

I had a Jewish boss in Chicago who did this all the time. Borrow, don't pay.

Also, a co-worker at Wells Fargo had that all worked out. Would routinely max out credit, then default, then wait to do it again.

And now that I think about it, another Jewish co-worker got legally divorced so that his wife could take a big loan and default. But that's actual fraud.


I heard the hassidics are really good at working the system. I don't know any so I can't corroborate but they always stand at the street corners with 7+ kids and nothing to do but talking. Maybe they did figure it out.

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