View Poll Results: Do you pay the $150 which you don't actually owe, and trust the doctor to refund you on Monday?

Voters
24. You may not vote on this poll
  • Pay the $150, see doctor now, trust them to refund difference

    10 41.67%
  • Reschedule to next week

    1 4.17%
  • Tell them to eat shit and find a different doctor

    12 50.00%
  • Don't know / don't care

    1 4.17%
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Thread: Jew Make the Call: Doctor's Office/Insurance Edition

  1. #21
    Owner Dan Druff's Avatar
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    Oh, and never ever give your social security number to a doctor's office. They don't need it. It's a trap! They want it for collections purposes.

    Leave that blank on the forms, and most offices won't question it. If they do question it (I've only had this occur once), tell them that you have identity theft concerns, and don't provide your SSN unless there's a utilitarian purpose for it.

    Contrary to popular belief, they do NOT need your SSN in order to bill your insurance.

  2. #22
    Gold abrown83's Avatar
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    Quote Originally Posted by gauchojake View Post
    HMO's still require a referral to a specialist and prior auth.

    Any provider who is in network should just see you anyways if they fucked up. Also seriously who doesn't have real time eligibility? I'd tell them to fuck off and then go straight to the internet and complain.
    HMOs in most States no longer require a referral or a prior authorization for a Specialist.

    It’s called Open Access and traditional HMOs in most places have been dead for 2-3 years.

    96-97% the Primary Care Doc were writing the referral anyways. How do I know this? Cause I literally helped put together the Big Data System for the Actuaries on this.

  3. #23
    Gold gauchojake's Avatar
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    Quote Originally Posted by abrown83 View Post
    Quote Originally Posted by gauchojake View Post
    HMO's still require a referral to a specialist and prior auth.

    Any provider who is in network should just see you anyways if they fucked up. Also seriously who doesn't have real time eligibility? I'd tell them to fuck off and then go straight to the internet and complain.
    HMOs in most States no longer require a referral or a prior authorization for a Specialist.

    It’s called Open Access and traditional HMOs in most places have been dead for 2-3 years.

    96-97% the Primary Care Doc were writing the referral anyways. How do I know this? Cause I literally helped put together the Big Data System for the Actuaries on this.
    Interesting. I assume you are talking about commercial HMO's.

  4. #24
    Bronze RS_'s Avatar
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    Just put the $150 on a card and do a charge back later if they don't remove the charge.

    Or just be up front and ask them for a doctor they'd recommend because clearly this doctor's office is incompetent, just to tilt them. Then go to whatever other doctor you can go to.

  5. #25
    Gold abrown83's Avatar
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    Quote Originally Posted by gauchojake View Post
    Quote Originally Posted by abrown83 View Post

    HMOs in most States no longer require a referral or a prior authorization for a Specialist.

    It’s called Open Access and traditional HMOs in most places have been dead for 2-3 years.

    96-97% the Primary Care Doc were writing the referral anyways. How do I know this? Cause I literally helped put together the Big Data System for the Actuaries on this.
    Interesting. I assume you are talking about commercial HMO's.
    Yes, so now what you see with HMOs is they restrict your network.

    Maybe it’s statewide or maybe it’s a hospital system (would be rare in commercial market)

    Where a PPO would have a national network of providers.

  6. #26
    Plutonium big dick's Avatar
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    Quote Originally Posted by Dan Druff View Post
    Oh, and never ever give your social security number to a doctor's office. They don't need it. It's a trap! They want it for collections purposes.

    Leave that blank on the forms, and most offices won't question it. If they do question it (I've only had this occur once), tell them that you have identity theft concerns, and don't provide your SSN unless there's a utilitarian purpose for it.

    Contrary to popular belief, they do NOT need your SSN in order to bill your insurance.
    wow thanks had no idea

  7. #27
    Gold SPIT this's Avatar
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    Quote Originally Posted by Dan Druff View Post
    Oh, and never ever give your social security number to a doctor's office. They don't need it. It's a trap! They want it for collections purposes.

    Leave that blank on the forms, and most offices won't question it. If they do question it (I've only had this occur once), tell them that you have identity theft concerns, and don't provide your SSN unless there's a utilitarian purpose for it.

    Contrary to popular belief, they do NOT need your SSN in order to bill your insurance.
    I always just write down a fake social

  8. #28
    Silver The Shrink's Avatar
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    Quote Originally Posted by Hockey Guy View Post
    Where's the "move to Canada" option.

    Oh wait, I forgot our system is the absolute worst in the world.
    Honestly though, why doesn't Druff like Canada's health care system?

    My eyes glaze over when I see these threads about getting medical attention in the U.S. and there are tons of hassles with insurance and billing. Seems nuts to me.
    Last edited by The Shrink; 11-01-2019 at 10:02 AM.

  9. #29
    Gold MrTickle's Avatar
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    Quote Originally Posted by The Shrink View Post
    Quote Originally Posted by Hockey Guy View Post
    Where's the "move to Canada" option.

    Oh wait, I forgot our system is the absolute worst in the world.
    Honestly though, why doesn't Druff like Canada's health care system?

    My eyes glaze over when I see these threads about getting medical attention in the U.S. and there are tons of hassles with insurance and billing. Seems nuts to me.
    Because he believes the quality of care is worse and that there are huge queues.

  10. #30
    Platinum FRANKRIZZO's Avatar
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    I believe Druff mentioned he had obama care , don't know if he has access to a primary care doctor. Im glad I don't have to deal with obama care and don't know much about it except it is very very very bad

  11. #31
    Owner Dan Druff's Avatar
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    Quote Originally Posted by The Shrink View Post
    Quote Originally Posted by Hockey Guy View Post
    Where's the "move to Canada" option.

    Oh wait, I forgot our system is the absolute worst in the world.
    Honestly though, why doesn't Druff like Canada's health care system?

    My eyes glaze over when I see these threads about getting medical attention in the U.S. and there are tons of hassles with insurance and billing. Seems nuts to me.
    Because there's a huge wait for specialists and certain tests/procedures. And it causes a huge tax burden.

    But I do feel our current system in the US needs major reform.

  12. #32
    Owner Dan Druff's Avatar
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    Quote Originally Posted by RS_ View Post
    Just put the $150 on a card and do a charge back later if they don't remove the charge.

    Or just be up front and ask them for a doctor they'd recommend because clearly this doctor's office is incompetent, just to tilt them. Then go to whatever other doctor you can go to.
    Unfortunately, as I mentioned in a follow up post, giving them the $150 is a risk because they can find other billing codes to submit for your visit, and then you're legally on the hook for them. A lot of this shit is very subjective and difficult to disprove, so you're always better off making sure they are holding no extra money beyond what you're going to be expected to pay. If I attempted to charge back after such a thing, I might actually lose!

    Office seemed shady as hell from all of this behavior, and there was no chance I was going to let them overcharge me $120 and just trust them not to find some way out of worming out of paying me.

  13. #33
    Gold gauchojake's Avatar
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    Quote Originally Posted by abrown83 View Post
    Quote Originally Posted by gauchojake View Post

    Interesting. I assume you are talking about commercial HMO's.
    Yes, so now what you see with HMOs is they restrict your network.

    Maybe it’s statewide or maybe it’s a hospital system (would be rare in commercial market)

    Where a PPO would have a national network of providers.
    right - the "narrow network" concept. I don't deal with the commercial side all that much, mainly Medicare and Medicaid. PA and referrals are still alive and well with those lines of business. I just assumed the non PPO employer plans were following the same processes. You learn something new every day.

  14. #34
    Diamond Walter Sobchak's Avatar
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    Quote Originally Posted by Hockey Guy View Post
    Quote Originally Posted by JoeD View Post
    Tylenol and a bag of frozen vegetables used as an ice pack.

    You're welcome.
    The best ice pack for an eye is a full, unopened can of beer from the fridge.

    This is from much experience. You're welcome.
    Experience trying an opened can of beer?

    SOBCHAK SECURITY 213-799-7798

    PRESIDENT JOSEPH R. BIDEN JR., THE GREAT AND POWERFUL

  15. #35
    Owner Dan Druff's Avatar
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    Quote Originally Posted by FRANKRIZZO View Post
    I believe Druff mentioned he had obama care , don't know if he has access to a primary care doctor. Im glad I don't have to deal with obama care and don't know much about it except it is very very very bad
    I do have Obamacare, though it's Obamacare without a subsidy. I pay in full.

    This issue actually isn't Obamacare related (also it occurred in 2010, before Obamacare took effect).

    The two problems with Obamacare are high premiums and poor doctor selection.

  16. #36
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    I've had multiple similar experiences. If you did get the money back (I did), it will likely take over a month which it did for me.


    I also had an eye doctor make me follow them from one office to another to do an eye exam even though they had all the equipment to do it right there in the office we were at (I had done it there before) - because he wanted to open the other office up at 2:00 PM, it was 1:15. I ended up doing it because I was off work that day and they do a good job maximizing my insurance but it was utterly ridiculous. They have too much money and are able to screw with people's time and money and never worry about it themselves.

    I hope you told them to go fuck themselves.

     
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      Dan Druff: nice first post... welcome to PFA!

  17. #37
    Cubic Zirconia
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    Sound like another manifestation of your derangement.

    Same as your freeroll.

    Druff, get help. Really, get help.

  18. #38
    Diamond Sloppy Joe's Avatar
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    Quote Originally Posted by Dan Druff View Post
    Quote Originally Posted by FRANKRIZZO View Post
    I believe Druff mentioned he had obama care , don't know if he has access to a primary care doctor. Im glad I don't have to deal with obama care and don't know much about it except it is very very very bad
    I do have Obamacare, though it's Obamacare without a subsidy. I pay in full.

    This issue actually isn't Obamacare related (also it occurred in 2010, before Obamacare took effect).

    The two problems with Obamacare are high premiums and poor doctor selection.
    How well did Obamacare handle the fallout from that second hot dog dinner?

    If I recall you never opted for therapy but BOY would getting mental health therapy covered trigger the ultimate Druff MS Word diatribe
    PokerFraudAlert...will never censor your claims, even if they're against one of our sponsors. In addition to providing you an open forum report fraud within the poker community, we will also analyze your claims with a clear head an unbiased point of view. And, of course, the accused will always have the floor to defend themselves.-Dan Druff

  19. #39
    Owner Dan Druff's Avatar
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    Quote Originally Posted by Sloppy Joe View Post
    Quote Originally Posted by Dan Druff View Post

    I do have Obamacare, though it's Obamacare without a subsidy. I pay in full.

    This issue actually isn't Obamacare related (also it occurred in 2010, before Obamacare took effect).

    The two problems with Obamacare are high premiums and poor doctor selection.
    How well did Obamacare handle the fallout from that second hot dog dinner?

    If I recall you never opted for therapy but BOY would getting mental health therapy covered trigger the ultimate Druff MS Word diatribe
    I saw a psychiatrist, so you're incorrect. I don't even understand your post. Mental health therapy was covered on my plan. Limited doctor coverage but I found a decent one who had open spots. Was actually somewhat useful, especially since this guy talked to you and didn't just push pills.

    You can joke about the hotdog stuff, but both the anxiety and depression I had were at very severe levels, and (fortunately) the only symptom I lacked was suicidal tendencies. Every day I am very thankful that my mind broke out of that somehow. I thought I might be stuck that way for life.

  20. #40
    Gold Salty_Aus's Avatar
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    Quote Originally Posted by Dan Druff View Post
    Quote Originally Posted by The Shrink View Post

    Honestly though, why doesn't Druff like Canada's health care system?

    My eyes glaze over when I see these threads about getting medical attention in the U.S. and there are tons of hassles with insurance and billing. Seems nuts to me.
    Because there's a huge wait for specialists and certain tests/procedures. And it causes a huge tax burden.

    But I do feel our current system in the US needs major reform.
    Huge assumption.

    If I was concerned with my eye. This would be the procedure here.

    Go to General Practitioner. Free and immediate.
    If he's concerned he refers you to a specialist, cost maybe $150-$180 and you get seen immediately. Take bill to Medicare they give you back about 70% in cash same day.
    No money, get a referral to a free specialist. If its serious you'll be seen straight away in the ER. If it's not considered urgent you probably need to wait a month or more.

    I honestly think you can cut your health bill in half, and have an excellent healthcare system.

    If you're a baller like Druff, take out the optional top notch insurance, some options cost an arm and a leg but you'll get a nice red wine or Whisky with your dinner, Sir.


    Our healthcare system makes yours look retarded.
    Sweden, Norway, Great Britain arguably have much better then ours.

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