any ever notice how much of a scam doctors and insurance comps are?

Question

Ugh Im a 20 yr old student, i paid almost $1000 for insurance through my school, and lately ive been goin for various checkups.. Some of which my SCHOOL REQUIRED of me to do, and ive noticed that the stupid waste of money insurance that i paid the school for, covers NOTHING.. and ive been gettin medical bills left and right.. It blows my mind at how much the things cost to begin with.. i sit in a doctors office for 15 mins and thats worth $500? doesnt seem right to me... basically im just stressed! I go to school full time and work two part time jobs, and thanks to medical bullshit im goin into serious debt!! =( Does anyone have any advice? is there a way i could get my insurace company to pay me back the money for the bills? or idk give me back the original $1000 i wasted on them to begin with?
>:-O

Okk ill add a lil .. I didnt do research on the insurance because it was through my school, i had to have this insurance to go to the school, my mom is self employed so i couldnt get any through her and my work didnt offer any.. I know $1000 isnt much to what others pay.. but i would rather kept that money and paid my damn bills since they clearly just pocketed it themselves.. And finally, i suppose its not the doctors fault exactly, i just dont understand how 15 mins of work = $500 .. i wish i made $2000 an hour.. jeeeesh

Answer 1

Please meet your school authorities and your insurance firm and discuss this problem.

Answer 2

Health Insurance (private or national/socialist) is near completely UNNECCESARY.

What do you need insurance for anyway? Are doctors going to rid you of your flu and cold symptoms? Need to go to a doctor for a papercut. A friggin check up?

How about eating right, working out, and resting when you catch a virus (doctors repeat the same thing over and over again).

The only things insurance is needed for are the big expensive treatments.

And how many of those do you need a year?

If the school is requiring a check up, they should pay for it. At my last job, they required a check up before hiring me, and they paid for everything. It was only a part time job with ZERO benefits too.

It's called negotiating and standing up for yourself and your rights.

Everything else can be paid for by saving for a rainy day in a private interest gathering savings account. YOU have to be responsible for your income and expenses.

When a neighbor's cat attacked me, I went to the emergency room. I waited the same amount of time as those with insurance, the difference was that I got the bill instead of my insurance company. I was charged $600, and negotiated it down to $300. My monthly and yearly payments to keep the insurance was $0.00 because I don't have any.

How much more do people pay for insurance and end up paying more yearly than the actual total costs for treatment if they payed directly out of pocket?

People are so scared of unrealistic outcomes, that they buy into Health Insurance as necessary and think they're unable to live without it.

I suppose more people would rather have the fictional convenience of paying little to nothing as they go, even if it really costs more.

Answer 3

It sucks and I agree with you! I still want to know how, if I have a 350 dollar deductible, I owe over 1,000 dollars for a surgery that I had in the spring! This same company, when my first child was born (years ago) told me over and over that he would be covered for 30 days after he was born. I had it in writing, that was the only way that I would take the policy. HOWEVER, when instead of turning in a well-baby bill, I turned in a 13,000 dollar intensive care bill, suddenly, they don't cover newborns and never did. I love my dr., I hate my insurance. Now, I pay 190 a month for two children and I pay a 25 dollar copay when they go to the dr. I also carry an accident policy that pays for any bills incurred from an accident. I would look into a policy OTHER than what your school offers. My boys are through American Community and their number is 800-991-2642. I pay about one fifth of what other companies wanted and I get, what I consider to be better coverage. I would not hold my breath trying to get money back. I hate that for you. It is about impossible to fight with them. My husband was taken to the hospital by ambulance, nearly dying on the way. The ambulance was "out of network" and the insurance company told me that it was alright since it was the only ambulance availible. THEN, we get a 700 ambulance bill. The insurance was not going to cover it because somehow the hospital coded it as a FEVER! He had "hyponetrimia" His brain and nervous system shut down from a lack of electolytes and build up of lactic acid (he is a runner) and they said FEVER! Then HE had to do all the leg work to get it taken care of. Good luck!

Answer 4

If you knowingly bought a policy that only covers, for instance, accidental injury and/or catastrophic illness, you are probably stuck. However, it the insurance is through your school and they didn't disclose coverage to you, there's a chance you can recoup some of your money. The problem is you'll likely have to hire a lawyer, who'll charge you almost as much as a doctor, to fight the battle. Read your policy carefully for what's covered, deduct ables and co-pays, and if it does indeed cover the bills you've incurred but the carrier just isn't paying, you can appeal to the insurance commissioner in your state and get some action. Good luck.

Answer 5

it's not the doctors, it's the insurance companies that are your problem

first off, $1000 is damn cheap for insurance, and once you start in the working world, you'll wish you could pay that little for a health care plan

I'd go to the school insurance office with this issue, as nothing anyone on here can do to help you

and stop saying it's the doctors, we're not the ones causing your problems, it's the insurance companies

Answer 6

What a rip off. $500 bucks for sitting around that is. You have to read those things before you sign along those lines. You won't be getting any of it back since its an agreement. doctors are salesmen. Insurance companies have salesmen who sell you the plans. You have to work a deal. Its your money and they do whatever it takes to get it. Don't get me wrong they do have honest salesmen out there. The bad salesmen give the honest salesmen a bad figure.

Answer 7

in a culture where hyper competition, ego, and greed are viewed as prime virtues and the matrix for all activities and meaning, it should be no surprise that everything to one degree or another is a scam. where insincerity and narcisisstic sociopathy help one to climb the corporate ladder of success, what else can one expect from the "industries" that are supposed to be helping us. health care and all of its associations are business. the bottom line is the only consideration. i sympathize with you and the 10s of millions in our country who are in "the same boat". the planet, generally, is "owned" by psychopaths, and that's why things are as they are, today. what to do? for stress related problems there are always available homeopathic and herbal remedies. a good health food store can make recommendations. in addition regular exercise and meditation, and "energy work" help a lot. for a "quick fix" while researching these, try http://www.sahajayoga.com for help online. and be open minded, it really works and helps. also, try tai chi, yoga etc. in addition it's been "arranged" that if you will repeat the word "relax" to your self softly, whenever you wish, you will feel relaxing "energy " interacting with your being. i've been doing "energy work" for decades, and what has been "arranged" is "basic" once certain dynamics are understood. i hope it works for you as it has for many others. best of luck! :-)

Answer 8

They aren't paying hurricane Katrina survivors for their houses, Worker's Comp insurance companies get out of paying injured workers, and the government doesn't enforce the laws and make them do what is right.
So there's a good career for someone - fighting for people's rights against insurance fraud!

Answer 9

Which country are you in?

I'll give you one advise and that is always think beyond expected. Think deeper and always have alternative ideas, ways... so that you just won't suffer. I have suffered all my life and HAVE lost more than MILLIONS of profits. So just be careful and this is life. It doesn't mean that life is mean or life sucks big time but it means that life is a game and in this game you have to follow rules and play according to the guides but if you think about it you have set your own rules and your own guide-lines. You are a free being and you can do anything you want so less talking more thinking and action. Life is great!

Answer 10

You should have done your homework, and purchased better insurance. I don't mean that to be critical. All I am saying is good insurance will do what you need, and if you are ever involved in a true medical emergency you'll be grateful that you have it. But, yep, medical bills suck.

Answer 11

It sounds like the insurance is the problem more than the doctor. I would find yourself a better insurance scam, er, plan.

-Dio