Chris wrote:Sure it's not "kucing kentut" (fart cat)?
tommy525 wrote:More drivel about health care. So Kaiser is one of the big hospital groups around here and a lot of companies use them for employee health care. A lot of companies pay 100pct for their employees and a percentage (often 50pct) for spouse and/or children.
Health care is very expensive in America. A proper full care package costs about 750 dollars a month for me.
Kaiser offers a full coverage and also one with a high deductible at a much cheaper rate (something like 450 a year). This means that you will pay up to a max of about 8000 a year and then the rest is covered by the hospital insurance company.
USed to be, we get an annual physical , along with all the required blood tests . And that along with any doc visits are only 10 per visit. We have to pay a bit for meds, say 10 to 20 bucks usually if any needed. At least for me. Others may vary.
Now my company has found a way (insurance companies are always finding ways to muscle in on new biz) to "insure" the 8000 max "loss" per year with another insurance company. So basically the total package costs less to the company. The second insurance company will take the risk that most people wont use up even the max loss of 8000 a year and they will come up winners.
So now, instead of Kaiser charging me 50 for the emergency room visit my wife did a few months ago. They now presented a bill for around 1500 dollars ("actual costs was around 6500, but their own insurance covered most of it down to about 1500). Which i then presented (by way of taking a pic of the bill and emailing ) to the second insurance company. Who was then supposed to pay the remaining bill. All good and dandy. Except they have NOT yet paid the remainder of the bill and its been 2 months and I keep getting the bill reminder from Kaiser !!
So more paperwork does NOT make the road smoother. In the past I would've just had to fork over 50 for the visit and DONE. Nothing more to do.
Today Tammy and myself are off to get our annual physical. Its just a quick once over by the doc and some blood tests.
Normally I would be paying 10/each for this and DONE. But now I wonder how long this whole thing will take to get resolved.
Bet I get some HUGE bill for this, which is then paid mostly by Kaisers own insurance and then I have to go through the whole shebang of presenting for second payment, etc and et al.
And through all this I wonder exactly how much my company saves per employee??? Maybe its only something like 50/month? But i guess it all adds up.
I wonder if the USA can just adopt Taiwans medical system? Or some version of it, not likely to bankrupt the country?
Here's gendut looking like he spotted a mouse.
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