Thứ Bảy, 30 tháng 9, 2023
Opinion: A child care funding cliff looms
Amazon's $4B investment moves it deeper into healthcare AI
NPR News: Scientists and volunteers work together to monitor annual butterfly migration
The annual butterfly migration is underway. For decades scientists have relied on volunteers to tag butterflies to provide details about their journey.
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USA Inpatient Hospital Care Undermines Its Own Purpose
Does anyone agree with me? Everything is on its head. Low quality food. Impossible to get a good night's sleep. These things are standard, even in world class institutions, even though they are vital to a patient's recovery. When will we wake up and acknowledge that this paradigm sets patients back? Being a patient within a hospital for any length of time appears in my eyes to be a profoundly unhealthy thing for the body and mind.
Note: This is not a criticism of hospital staff, who are only doing their jobs and have no power to change things. It is more an indictment of the assumptions that form the foundations of our inpatient hospital care system.
How often do you talk with non-English speakers (or speakers that don't speak a common language in your area)?
Thứ Sáu, 29 tháng 9, 2023
NPR News: What would it mean if PEPFAR — the widely hailed anti-HIV effort — isn't reauthorized?
President George W. Bush's program is credited with saving 25 million lives. Republican objections linked to the abortion debate make reauthorization unlikely before the Sept. 30 deadline.
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Demand Better!
If you could redesign the system from the ground up, what would it look like?
My "ideal" system might have many companies, where customers pay a flat premium monthly, with no other bills, and the money goes to a single pool. When anyone needs care, the cost is taken care of from that collective pool.
Should my girlfriend be getting charged again for bloodwork after a false positive for covid test they made her take herself?
So long story short my girlfriend (29) has been trying to get surgery to remove ovarian cysts. They made her test for covid less than a week before her surgery but the nurse gave her the swab and made her do it on herself. Which when she told me I thought was weird. Anyways it said she had covid when we were sure she didnt. she didnt have no symptoms at all and shes had covid before and was very sick when she did. She went and took another test at an urgent care a couple days after and it came out negative. We think since she took the test herself she gave herself a false positive. She didnt ask to do it herself the nurse told her to. Either way she called a day before surgery to let them know and found out it was canceled. Luckily they were able to get one in the next two weeks instead of 4 months like they were saying. But they’re saying she has to get charged to do another bloodwork?? We told them a bunch of time the nurse giving her to the test is what we believe gave the false negative and no one seems to care. I dont think its right but it was cancelled but I definitely dont think she should be getting charged again. Is there anyway around this? Someone we can contact? Without risk of it getting canceled again. Weve just had a pretty bad experience all around. I dont want it pushed back again and her kept in pain.
Thứ Năm, 28 tháng 9, 2023
Private health insurance companies are a national security risk.
The army missed its recruiting goal in 2022 by 25%. There aren’t enough healthy Americans able (or willing but that another topic) to serve.
Part of this problem is caused by our private healthcare industry. People rarely get preventative care because they’re worried it’ll eat into their budgets, so they let themselves get sicker until their minor illness turns into an emergency.
If we had better preventative care (something that is incentivized only through profit-less systems), we would have more able-bodied people able to serve in the US military.
As of right now, the health insurance companies would rather make their money than help ensure every American is healthy.
NPR News: 250 million is the new 40: Mammals may already be halfway done on Earth, study finds
The future is always hard to predict, especially millions of years from now. But researchers found that a future supercontinent centered around the tropics may be tough for mammals to survive.
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Desperately need marketplace help
Tax extension deadline looming. Writing this out for my SIL since she needs help and I have zero knowledge on these topics. Hopefully I get the details correct. In March 2021 she moved from MT to TX. She had marketplace insurance in MT prior to moving but cancelled it when she arrived in TX because she got a job that provided health benefits. Unbeknownst to her, the marketplace plan “automatically” kicked back in and re-enrolled her the next year (2022) and she was never made aware because she hadn’t updated her address with them. It never crossed her mind she needed to because she had cancelled it! When 2022 taxes were due in April she finds out she owes $3k for the advanced premium tax credit (APTC) for insurance she never even knew she had. She has called to try to get it removed because it was obviously a mistake, and has gotten an extension on her tax filing but only has a few weeks left. Everywhere she turns she is basically told “too bad, you owe the $”. Can this really be? Can she be charged for a policy she didn’t know she had and never paid into? Who can we talk to to get this taken care of? She didn’t even live in the state providing the marketplace insurance at the time!! Hope this makes sense. I can clarify any info if needed.
My Thoughts About Healthcare
My thoughts on healthcare freedom. For me, it's not just about choice; it's about having control over our health decisions. When we have options and transparency, we can make the best choices for ourselves and our families. I know many of us want a system that puts patients first and empowers us to make informed decisions. What's your take on this?
Claim denied then told it was opened in error. Very confused.
BCBSTX(hmo marketplace as we are 1099) has denied a claim for a breast reduction stating it was “self referred” as in it was a doctor of my choice with no referral from my pcp and explained this is an excluded benefit unless medically necessary. My pcp did refer the plastic surgeon and BCBSTX approved it before my consultation. I have all of this in letters/writing/messages through the system. I called bcbs and was told to submit an appeal.
My pcp sent in the appeal on my behalf (plastic surgeons original letter with measurements and pictures, additional pictures, notes from my neurologist showing I have lesions from migraines (caused by tension and strain) and a letter of medical necessity and asked for it to be expedited due to pain. After a week, I called bcbs and was told it was again denied and asked to have my doctor set up a peer 2 peer. My doctor (who is closing her practice Friday) offer to do a p2p but when she called in to schedule was told it was not denied but was closed because it was opened in error and I should have never been able to appeal. I called to verify this and they told me yes, this is correct and it was a finally ruling so I can’t do a p2p and I’m just out of luck. They suggested I start the process over and it “might” get looked at but probably not.
I feel like bcbs labeled this incorrectly as a self referral from the beginning since there was a letter of medical necessity included and then had me do a laundry list of things just to tell me it did not matter at the end and I wasted my time. I’m at a complete loss and am having a hard time mentally and physically dealing with this. On top of it all, I have of course met my huge deductible for the year and now won’t be able to use it because of how long the process has taken.
What do I do at this point? Can I file a complaint with TDI? Can I request to talk to anyone at bcbstx in particular? The customer service line people have been hostile when I ask questions lately and no one can explain what’s going on other than -it’s excluded unless medically necessary but it wasn’t denied for not being medically necessary.
Long Term healthcare for NICU baby
Hi All,
We have a 4 year old son who was born extremely premature and spent 7 months in the hospital. We have been home for a little over 3 years. When he came home he needed almost around the clock care with a vent, humidifier, etc.
He currently has a tracheostomy and a g-tube. Due to the trach we have nursing for him up to 112 hrs a week. This allows us to sleep at night and have a nurse take him to school (Head Start Program). We also have a lot of medical equipment and supplies that we get on a monthly basis.
We have primary insurance through wife’s employer and Medicaid as a backup. We were just denied Medicaid while renewing this month. We don’t qualify due to making over $47k and apparently it was only due to covid programs previously that we qualified. We were initially told that due to the extensive nature of our son’s situation we automatically qualified.
Our primary does not cover a lot of expenses including nursing and almost half the supplies needed. This will easily be $100k+ out of pocket yearly.
We have been told that long term care may be an option but after calling we were told that since he is not in danger of being admitted to the hospital for 30+ days he does not qualify.
We are in Va. I need advice for any options we may have. Really appreciate any insight and resources you can point us too.
Will the United States Ever have universal healthcare?
My mom’s a boomer and claims I won’t need to worry about healthcare when I’m her age. I have a very hard time believing this. Seems our government would prefer funding forever wars and protecting Europe even when only few of those countries meet their NATO obligations. Even though Europeans get Universal Healthcare! Aren’t we indirectly funding their healthcare while we have a broken system?
I don’t think we’ll have universal healthcare or even my kid. The US would rather be the world’s policeman than take care of our sick and elderly. It boggles my mind.
My Primary doctor whose exactly my age thinks we’ll have a two tier system one day with the public option but he’s a immigrant and I think he’s too optimistic.
Thứ Tư, 27 tháng 9, 2023
NPR News: A reproduction revolution is on the horizon: vitro gametogenesis or IVG
Scientists in Japan are at the forefront of one the most controversial areas of biomedical research: creating sperm and eggs in the laboratory from practically any cell in the body.
Read more on NPR
Charged $1300 for mole biopsy. What are my options?
Forgive me, healthcare is highly confusing to me at this point in my life. I'm 24 and have only been independently enrolled in a healthcare plan for 3 years. I know the basic terminology, but I am always perplexed when receiving letters like what I describe below..
I visited the dermatologist in December 2022 for my first annual full-body mole exam, and my provider spotted one on my bicep that concerned her. She gave me two options - 1, the ol' scoop it out method, or 2, a non-invasive sticker test (I believe it's called DermTech). Of course, I went with the latter. I can’t recall whether or not my provider clued me into the potential of this decision affecting me financially.
Cut to May this year (2023) and I receive a letter from my insurance provider that the test was not covered at all by my insurance. There was no mention of the cost in that initial letter, and honestly, I had no idea what to do with all that information at the time. But figured if I owed anything I'd get a small bill eventually. No big.
Well, I received another letter this week saying that the decision has been upheld (I never did anything to appeal? but whatever) and I now owe DermTech labs $1,300. I don't know what to do. I can technically afford it, but it would take a huge chunk out of my savings. Is there any way to dispute this, or duke it out with the dermatologic office? Or do I just need to cough up? What are the consequences of ignoring this again? Seems dire.
NPR News: An annular solar eclipse is coming to parts of the U.S. in October
Residents from Oregon to Texas may be able to glimpse the annular eclipse, when the moon is deep in its orbit and passes in front of the sun, creating a black circle on the star.
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Rollout of Covid vaccines is bumpy, but not unexpected, experts say
Diagnostic mammogram with ultrasound 36F -- denied itemized bill before procedure. Informed I can only receive one after the procedure period this doesn't sound right.
United healthcare silver plan --- healthcare.gov
My portion for the mammogram has been estimated to cost $476. Contacted Solis Mammography to discuss a payment plan. During the conversation I insisted on an itemized bill before having the procedure. Customer service agent stated they can't do that until after the procedure. There is no way they can produce a itemized bill before the procedure. I think this is bullshit. Seeking advice.
TYIA
NPR News: Why hikers on the Pacific Coast Trail are coming down with norovirus
Hikers are getting sick with norovirus in the wilderness. A CDC investigation finds that poor hygiene along the Pacific Crest Trail — and other outdoor settings — is to blame.
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How many administrative fellowships should I apply to?
I am a third-year dual degree MPA/MPH student graduating in May 2024. The window for most of the NAFCAS administrative fellowship applications closes this Friday.
I am currently interviewing for three different fellowships, in the second phase of interviewing for two of them. I have 12 administrative fellowship programs on my NAFCAS portal. I am debating on cutting it down to 6, but I am scared that I am not applying to enough programs.
I have experience in hospital settings, primary care settings, and large organizations, with a 3.8 cumulative GPA. I don't know if I am selling myself short or underestimating how competitive these positions are.
NPR News: A new climate change report offers something unique: hope
Electric vehicles and solar power are growing quickly and offering hope the world could still meet climate change goals.
Read more on NPR
Thứ Ba, 26 tháng 9, 2023
Would like to work in health care but not sure what path to take? Need advice
Hey everyone,
So I’m considering going into health care mainly due to the fact that I’ve been researching and finding out a lot about my condition (epilepsy) and figure if I have all this information now why not turn it into a career? The only question is what? I would like to focus more on support work, however, is there anything I can specialise in that is basically along the same line as support work? I’m not sure whether I would do nursing though, and I have a few reasons.
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Most med students where I am are doing this so it has become saturated. Where I am
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If I was to do it I would have to get an alternate nursing role, not a hospital based because I can’t really do the rotating roster.
The impact of hospital consolidation
I've recently learned about hospital consolidation. It open doors to:
🌟 Advanced Quality
📈 Enhanced Services
🚪 Maintain Access
💡 Fuel Innovation
These benefits can contribute to better healthcare experiences for all. Have you experienced or witnessed any positive outcomes related to hospital merger in terms of these benefits mentioned?
ACA Question
My son just started a new job and he expects to earn around 28000 next year. I will be helping him pick a health plan on the marketplace. Since his work history has been inconsistent what would happen if we signed up and then he quit after only making 15000? If I inderstand ACA correctly in Michigan he then would not make enough to qualify for ACA.
NPR News: After 7 years, NASA's Osiris-REx returns to earth... with souvenirs!
NASA's Osiris-REx mission brought back asteroid samples untainted by Earth's atmosphere.
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CVS is permanently closing hundreds of stores for a surprising reason
Thứ Hai, 25 tháng 9, 2023
NPR News: Young climate activists challenging 32 governments will get their day in court
Six young activists are due Wednesday at the European Court of Human Rights, where they're accusing 32 governments of violating their human rights for failing to adequately address climate change.
Read more on NPR
[News] Nurse midwives could ease Louisiana's infant mortality crisis. Why hasn't the state embraced them?
Proposed Solution: Making insurance easier to understand
Health insurance in the US is complicated and being unemployed only makes finding a plan worse. I've been working on building a free tool called Hauora Health that will help people (like me) better understand insurance.
Please join the waitlist! https://www.hauorahealth.io/
Some features I'm thinking about:
🔍 Simplified Insurance: We break down complex terms, so you can understand your coverage effortlessly.
🤝 Empowerment: Take control of your health and financial well-being with the knowledge to make informed decisions.
📱 User-Friendly Tools: Our intuitive platform makes comparing plans and exploring benefits a breeze.
👥 Community: Join a community of like-minded individuals who are on a journey to better health and financial security.
I'd love to get your thoughts as well. Thanks
Chủ Nhật, 24 tháng 9, 2023
NPR News: As psychedelic-assisted therapy grows, so does interest from a new group: chaplains
Chaplains provide spiritual counsel at some of life's most raw moments. With psychedelic legalization spreading, some chaplains think this role should include facilitating psychedelic trips.
Read more on NPR
NPR News: Watch Live: NASA sends an asteroid sample back to Earth
NASA's Osiris-REx mission sends a pristine sample of asteroid back to Earth Sunday morning. If it lands successfully, this cupful-or-so of space rock could shed light on the solar system's origins.
Read more on NPR
NPR News: Risk factor for Parkinson's discovered in genes from people of African descent
An effort to diversify genetic studies has led to a discovery about Parkinson's disease in people of African descent.
Read more on NPR
I got a new job and am packing my bag💕
Hi cuties!
I have been working in the hospital I’m at currently and got a new position working on the Med-surg unit. I am packing my work bag for my 12 hour shifts and am curious if you guys have suggestions as to what to put in it? I have the normal: tampons, water, badge, etc. but anything that you use that you would suggest?? I am a baby healthcare worker and want to be prepared💕💕
Thứ Bảy, 23 tháng 9, 2023
Healthcare Receivership Information
Fat Joe and Hip-Hop Legends Spearhead the Push for Transparent Healthcare
Can someone break down the coverage I have? Little confused if I get 500$ towards wisdom teeth removal or if I pay 20% of the cost. Thanks
Career Advice (22 y.o male)
I am a 22 year old male that just recently graduated with a degree in health science (3.1 GPA). I got a job as a rehab aide at a very respected hospital for rehab and work in an inpatient setting. I love it. Everything about the job is great but obviously this can not be my career (money wise). My original goal was to be a PA but that seems to be impossible with my current GPA. I would love either PT or PA but it seems like my GPA is going to make both of those impossible. I was a division 1 athlete(idk if this helps) What should I do? Thanks.
NPR News: World's oldest wooden structure defies Stone-Age stereotypes
Archaeologists dug into a riverbank in Zambia and uncovered what they call the earliest known wood construction by humans. The half-million year-old artifacts could change how we see Stone-Age people.
Read more on NPR
By the way, doctor: Ginkgo biloba: What's the verdict?
Thứ Sáu, 22 tháng 9, 2023
Staying an extra few days at the hospital??
My father just had an extensive Pelvis surgery, due to a bad motorcycle accident.Thankfully the surgery went great. He also has some smaller injuries. His surgery was 36 hours ago and he is still in pretty bad shape. Their is talk that he might be sent home tomorrow or the next day. My dad and our family feels it's extremely important for him to stay a few more days with full care of a hospital.
How would the process work with staying after you have been told to leave a hospital? Sorry this might be a dumb question. I've never really dealt with hospitals before and it's been a very long exhausting week for the family.
NPR News: This 500,000-year-old wood structure has researchers how advanced early humans were
A newly discovered example of wood construction by humans is nearly 500,000 years old and has archaeologists rethinking how technologically advanced these pre-homo-sapiens may have been.
Read more on NPR
Is this a normal cost for a short urgent care visit?
Which path to pick?
Really on the fence about DO or PhD. I’m into neuroscience or some form of pediatrics but also research. However, recently I’ve been doing some basic machine/camera building and really enjoy it. I’ve loved working with my hands since I was a kid (cooking/pottery/legos/little inventions)
What path or pecialty would be best for me?
Turning 26 before Company's Open Enrollment date
Hi everyone, I hope this is the right place to ask this question. I am currently 25 years old in California, USA, and I am starting a new job within the next month. Up til now, I have been covered by my dad's health insurance, and was planning to keep it for as long as possible (so until I turn 26). My new employer's open enrollment period tends to be in November, but I turn 26 in June of next year. In this scenario, is it better to just enroll in my employer's health insurance plan this year, or do most people in this situation just go the few months w/o health insurance, hoping for nothing serious to happen? I'd rather not have to spend a ton of extra money on my own health insurance before necessary, but I don't want to make a stupid, potentially dangerous decision just to save some extra money. For additional context, I'm not on any meds and I don't have any pre existing conditions that require me to visit the doctor regularly (besides bad vision, but I could probably just bulk order some contact lenses before my 26th birthday).
Thứ Năm, 21 tháng 9, 2023
Healthcare jobs
What are some healthcare jobs that only require 1-3 years of schooling that pay well ? And don't cost a fortune to get into ?
NPR News: Malaria is on the ropes in Bangladesh. But the parasite is punching back
What does it take to beat malaria? Thousands of moccasins walking down rural roads, overnight bus rides for lab tests ... and a highly effective drug. But the parasite isn't going along with the plan.
Read more on NPR
Thứ Tư, 20 tháng 9, 2023
Is my doctor being inappropriate with me?
Apologies if this is not the place for this, I really don’t know where to post this.
I (29F) have been seeing my doctor (M, 40 something?) for about 3 years now. I don’t see him super often, but more than once a year for sure. Each time I see him, I start questioning things more.
He always rubs by back, not in a medical way. He walks me to the checkout desk every visit and rubs my back while he talks to his staff. I’ve never see him walk anyone else up to checkout, he normally just says bye and leaves their room.
The last time I saw him, he told me to follow him to the checkout desk. He stood in the doorway and looked at me like he wanted to f*** me, he bit his lip, and then beckoned for me to follow him by motioning his two fingers in that suggestive “come here” way. I thought it was weird, and then of course, he stood with me at the counter and rubbed my back.
I’m sick, so today I had to see the NP because his schedule was full. He saw me in the hallway when I was walking to my exam room. At the end of my visit with the NP, he comes into the room and is like hey I saw your name on the schedule, just coming to check in on you, and while I’m sitting on the exam table, he starts rubbing and patting my back.
He does it in front of other staff members, but it just feels weird to me. Am I thinking too hard about this? I’ve never seen him do any of this to other patients, but that doesn’t really mean anything, he could possibly treat all his patients this way. Thoughts?
NPR News: How wildfire smoke is erasing years of progress toward cleaning up America's air
A new study finds that smoke from massive wildfires has eroded about a quarter of the air quality gains from the last few decades.
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What can you say about AI in the healthcare industry?
AI technologies, such as machine learning, natural language processing, computer vision, and predictive analytics, are being leveraged to transform various aspects of healthcare delivery, research, and administration.
The integration of AI into healthcare must be carefully regulated and ethically implemented to ensure patient safety and data protection.
I believe hospital consolidation, when executed thoughtfully, can play a significant role in addressing these AI-related challenges in healthcare. By pooling resources and expertise, consolidated healthcare institutions have the potential to establish robust ethical guidelines, data security protocols, and rigorous quality controls for AI implementation.
This ensures that patients receive the full benefits of AI while safeguarding their privacy and well-being.
Does anyone know what it would cost (approx) to have ear tubes put in a 16month old
In Ontario it seems like it may take some time for my son to have tubes put in his ears, meanwhile he’s walking like he’s drunk, is hard of hearing, and is occasionally developing a fever. We’re now considering bringing him to upstate NY somewhere to have it done privately. Does anyone have experience with this?
free health subsidies? Scam or no?
Hello there, thank you for reading. I keep seeing this ad on youtube talking about ppl who make less than 50K a year, and aren't on Medicaid, have premium health credits available to them, 'but the offer ends this week'
That makes this feel a lot like a scam.
Is there any truth to this? I could give more info but I don't want to sound like I'm advertising this thing if its a hoax.
Thank you for reading again.
HIPPA violation?
I work in dentistry. Making confirmation calls, if I leave a vm, I state “good afternoon Patient First Name, this is My Name calling from Office name to confirm your appointment for Time/Date. If you have any questions or need to reschedule you can reach us at 555-5555”
One of my patients had a wrong number in their chart, so I left this message for the wrong person. My boss is very angry stating this is a huge HIPPA violation, and from now on to not leave any names or other identifying information in a message. But every time I get a message from an office to confirm, it says basically the same thing. Am I wrong here? Are my voicemails violating HIPPA?
Much-needed nurses are flocking to California — for some of the same reasons others are fleeing
Thứ Ba, 19 tháng 9, 2023
NPR News: These habits can cut the risk of depression in half, a new study finds
New evidence shows that people who maintain a range of healthy habits, from good sleep to physical activity to strong social connections, are significantly less likely to experience depression.
Read more on NPR
Anthem Healthkeepers Rebate Check
I think I signed my boyfriend up a couple of years ago, for "Obamacare". He gets mail all the time, no idea what any of it means. We don't think he's been paying for it but haven't looked through his digital bank statements. He hasn't been to the doctor or anything. He got what looks like a legit check for $250.00 and it says it's a rebate check for premiums or something. Neither one of us really understands why he got it.
NPR News: Why people are skeptical of green initiatives — like water-saving washing machines
A laundromat owner in Aurora, Colo., installed washing machines that conserve water. His customers abandoned him, but he was able to win them back after learning why they might be skeptical.
Read more on NPR
Why has Medicaid decided to not pay for the new Covid vaccine??
Won't this increase the spread and cause people to become ill and die unnecessarily? What could possibly be the reasoning?
Thứ Hai, 18 tháng 9, 2023
Prioritizing Your Health
I just wanted to share some simple yet effective tips for better health that have made a big difference in my life. Staying hydrated, eating mindfully with more fruits and veggies, regular exercise, prioritizing sleep, managing stress, nurturing social connections, and scheduling regular check-ups are all small steps that can lead to a happier, healthier you. Remember, it's all about small steps and consistency. Making these changes can have a significant impact on your overall well-being. Share your own health tips or experiences below!
Hypothetical Homeless Person Serious Injury
I was just recently thinking about the healthcare system in America, specifically about the extreme costs Americans have to pay. Let’s say you are a homeless person, who is obviously uninsured, and you end up suffering a life threatening injury and need treatment asap. What exactly happens to the costs? Will they forever be in debt and essentially fucked for life? Thanks in advance
Transsexual Healthcare: It's About Alleviating Sex Dysphoria, Not Affirming A "Gender Identity"
NPR News: 7 wild facts about the spotted lanternfly
Spotted Lanternflies are an invasive species of bug now in 14 states. NPR's Life Kit has tips on how you can help stop their spread.
Read more on NPR
Chủ Nhật, 17 tháng 9, 2023
How does the Canadian Healthcare system differ to the British one?
The Canadian Healthcare system is often held up as a model example of a great modern healthcare system in a first world country, and I was wondering if anyone could explain how it differs the British NHS.
Both countries have a similar political culture, and though the geography is very different, it would be interesting to know what the structural and mechanical differences are between the two systems, if there are any.
Many thanks
Where exactly can I find hospital outpatient Medicare reimbursement rate by CPT code (unable to locate on CMS website)?
Help!
I'm trying to get the reimbursement rate by Medicare for the facility component (outpatient hospital fee) for a procedure with CPT 64640. How can I find this information? I tried looking on the CMS website (https://www.cms.gov/medicare/physician-fee-schedule/search?Y=6&T=4&HT=0&CT=3&H1=64640&M=5) but all I find is the professional (physician) fee. Any help would be greatly appreciated! TIA!
I’m so sick of dealing with the insurance companies!
So I have been having a lot of diagnostic tests lately for multiple health issues and maintenance. I had called the insurance company just to double check about by endoscopy and Colonoscopy. They told me yeah your doctor is Tier one but the ambulatory center is not? So this didn’t sound right to me. I was on the phone for hours and they said that’s what it is. So I’m starting to panic using the insurance website and I can’t find anymore information. Then I call the clinic and they told me everything has been approved months ago. But the clinic doesn’t know if it’s covered tier one or tier two or the dreaded “In network” which is the most expensive. I have PPO so it’s not an HMO thing. Then so call the insurance company again and they tell me yeah it’s tier one care! So a completely different answer from a different CSR. So I gave up and just went in for the procedures because I wanted the endoscopy done while having the colonoscopy at the same time. Well I got the pre insurance price back and it’s $12,000 before discounts insurance and copay. So now I’m fretting about what my actual copay will be? The website is trash and outdated and this is a major insurance company! What other businesses can just leave you in the dark about your out of pocket costs? I’m getting another diagnostic test on Monday and it’s pretty minor. The clinic I usually use doesn’t do the procedure there and they want me to go to a satellite office. The insurance company says they can’t find the office so it’s not in network. So I call the clinic and they tell me it’s the same tax ID so it shouldn’t make a difference?!? Still I’m insecure about what my out of pocket price is?!? And it’s a big difference between Tier one tier 2 and standard care. Tier one and tier two difference is a $700 out of pocket per year than 15% after that and tier 2 is like $1400 per year and 25% after that until $4000?!? Forget “standard care it’s like 50% out of pocket until $10,000! It’s so damn confusing! Are they doing this on purpose? Even if I find a tier 1 outside my clinic my doctor at the clinic can’t refer outside the clinic because it’s not contracted and of course it’s more difficult for him to get the results anyway from another clinic! I’m in Chicago so there are Tons of providers so that’s not the issue! The issue is it’s impossible to tell if their tier one or not and I get different answers from different CSRs at the insurance company! Therefore I don’t really know what my out of pocket is?!? Who would purposely go to any provider other than tier one unless they had some rare disease? I’m in the 3rd biggest city in the United States! I already have anxiety issues if you haven’t noticed and now I’m going through procedures not knowing what I’ll be paying for weeks until insurance reimbursement to the providers?!? Is this normal? Does this make sense to anyone?
How to get birth control when changing providers? (California, United States)
Hello! For the longest time I’ve been with Kaiser Permanente health insurance, and it’s always been super easy to get my birth control pills. Due to changing jobs I’m now under a new insurance (Blue Cross/Blue Shield) and am no longer with Kaiser.
Do I need to make a doctor’s appointment under my new health insurance provider to get prescribed birth control pills? Or can I go directly to an in-network pharmacy and request the prescription?
Trying to understand how this works. Thanks!