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posted by martyb on Monday October 08 2018, @09:18PM   Printer-friendly
from the meanwhile-don't-get-sick-or-hurt dept.

The bipartisan plan to end surprise ER bills, explained:

The policy proposal, which you can read here, essentially bars out-of-network doctors from billing patients directly for their care. Instead, they would have to seek payment from the insurance plan. This would mean that in the cases above, the out-of-network doctors couldn't send those big bills to the patients, who'd be all set after paying their emergency room copays.

The doctors would instead have to work with patients' insurance, which would pay the greater of the following two amounts:

  • The median in-network rate negotiated by health plans
  • 125 percent of the average amount paid to similar providers in the same geographic area

The Senate proposal would also require out-of-network doctors and hospitals to tell patients that they are out of network once their condition has stabilized, and give them the opportunity to transfer to an in-network facility.

[...] it's pretty good policy too! That's the general feedback I got from Zack Cooper, an associate professor at Yale University, who, along with his colleague Fiona Scott Morton, has done a lot of pioneering research to uncover how frequently and where these surprise bills happen.

"It is fantastic that they're doing something, and that it's bipartisan," he says. "It's one of those areas where we can agree what is happening now is not good, and this gets us 80 percent of the way to fixing it."

[...] "My concern here is that in-network rates are already quite high, so we're cementing that into the system," he says. "The current world gives emergency physicians tremendous power in negotiating higher in-network rates."

See also: Emergency room visit costs: what's the price of care?


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  • (Score: 0) by Anonymous Coward on Tuesday October 09 2018, @02:04AM (3 children)

    by Anonymous Coward on Tuesday October 09 2018, @02:04AM (#746248)

    Whoops! That's wasn't the preview button!

    I meant that I am comparing the cost from when I did not have insurance vs. my current situation with insurance.

    Though it occurs to me... you're not taking advantage of sliding scale programs and other charities meant for low income people without insurance?... naah, an upstanding, wealthy capitalist like you would never do such a thing.

  • (Score: 0) by Anonymous Coward on Tuesday October 09 2018, @04:27AM (2 children)

    by Anonymous Coward on Tuesday October 09 2018, @04:27AM (#746279)

    No, I meant simply saying you don't have insurance.

    It sounds like maybe whoever you went to had some really crappy contract with the insurance company that required them to charge you x times more. Or maybe, was it before and after obamacare?

    • (Score: 0) by Anonymous Coward on Tuesday October 09 2018, @09:29AM (1 child)

      by Anonymous Coward on Tuesday October 09 2018, @09:29AM (#746349)

      Scenario 1: Before Obamacare. Without insurance. $700 for bloodwork. What magic words was I supposed to say?

      Scenario 2: After Obamacare. With insurance. $40.

      • (Score: 0) by Anonymous Coward on Tuesday October 09 2018, @10:11AM

        by Anonymous Coward on Tuesday October 09 2018, @10:11AM (#746362)

        No idea, some places might have contracts with insurers so they need to charge you more though. Dont go to those places.