The cost of medical/dental procedures

Discussion in 'The Lounge' started by sensless, Oct 5, 2017.

  1. sensless

    sensless Well-Known Member

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    I'm curious to know how much you pay for medical and dental procedures. I've read on another thread of someone paying 1000 dollars for a CT scan and that has sparked my curiosity. Do you get it all back as tax reduction, or from insurance?
     
  2. Lkmccr

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    Most of my medical expenses are covered by my insurance. Of course, it depends on how good your policy is i I recently had a minor procedure that would have cost 2000 without insurance but was covered fully save a 60 co pay
     
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  3. sensless

    sensless Well-Known Member

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    You mean that you had to pay a 60 dollars and that you won't get it back? I'm asking, because I'm not sure what co pay is.
     
  4. Lkmccr

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    Yes that is the portion I had to pay. However, I have a medical savings account, which is tax free, that I use for that purpose. I admit that the insurance system is rather confusing
     
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  5. MOBiGuy

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    I've paid over $1500 this year in deductibles and co-pays. I won't get any of it back because I don't have enough expenses to be able to itemize my taxes next year.
     
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  6. sensless

    sensless Well-Known Member

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    A dentist checked my gums for about 100 dollars, but I've got it all back.

    I've had arthroscans, x-rays that I don't know the price for. Got it all back from insurance.

    I've had physiotherapy for foot and knee. It's about 20 dollars per visit, but I get it all back.

    My blood tests (for STDs and more general stuff) cost nothing, but a few years ago I did one out of insurance and it was about 150 dollars.

    My insurance pays me back within one, or two weeks.

    I've taken my mother to a doctor in the Philippines last year. It was about 2 dollars per visit.
     
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  7. CLE32793

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    That is a far cry from what we deal with. We dont get anything back. We have co-pays and co-insurance and deductibles. E just had two heart test done, one alone was $1500 and we'll pay $1050 of that because he has not meet his deductible.
     
  8. xtacy4

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    Same. We meet a $2k deductible and then everything else is covered. That's $2k for the entire family, but still...:mad:
     
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  9. sensless

    sensless Well-Known Member

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    That's a lot of money!

    I'm not sure I understand "meet his deductible". Let's see: if his deductible was 2000 USD, and the procedure cost 1500, he'd pay full, while, for the same deductible, if the cost was 2500, he'd pay "only" 500 and any future procedure would be fully deductible?
     
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  10. Dog_E_Ryder

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    no, then you have to deal with what percentage of the procedure your insurance covers. like most are 70 and 80% of the procedure then you have what is called out of pocket which means after so much in that year of out of pocket you finally reach where they pick up 100%. o_O Its a ponzi game. lol Then you have re submit claims numerous times to get everything straightened out. Meanwhile the dumbass heathcare proviing company throws it into collection and you fight continuous with total dumbasses. The healthcare industry here is in dire straits. I don't know what the answer is, I dont think single provider would fare any better either. Its one big clusterfuck.
     
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  11. CLE32793

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    Sort of. Like Dog said, there's the coinsurance too. We have a max out of pocket and that varies by plan but once that is meet everything is covered. It's a nightmare. I've seen claims denied that should have been paid. They also look at the medical necessity too, they can refuse to pay.
     
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  12. cook74

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    In Australia I have Medicare. Quote from their website below.

    "About Medicare
    We administer Medicare and pay Medicare benefits on behalf of the Department of Health. They develop Medicare policy.

    Medicare gives you access to:

    • a range of medical services for free or at a lower cost including:
      • doctors
      • specialists
      • optometrists, and
      • at times, dentists and other allied health professionals
    • lower cost prescriptions, and
    • free care as a public patient in a public hospital
    You can also get a 75% rebate of the Medicare Schedule fee for services and procedures you have as a private patient. This can be in a public or private hospital. This doesn’t include hospital accommodation and items such as theatre fees and medicines.

    You can access Medicare services if you’re enrolled in Medicare. When you enrol in Medicare, you’ll get your own Medicare card."

    Because I earn more than double my wife's wage I pay more than her come tax time for Medicare (maybe $800 on last year's statement but will be more next financial year) . I can see a doctor when ever I want for free, emergency medical procedures for free and anything that is not an emergency is fast tracked anyway as soon as someone pulls out or changes dates (for my daughter too and we aren't paying extra for dependants).
     
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  13. alex93977

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    Never needed treatment apart from a small amount of dental but all paid for from the taxes we pay in the UK for the NHS

    I think the more expensive things might cost though.
     
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  14. afunk13

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    We pay 100% of any care we need until we meet the deductible. Then after we only pay a percentage but that's only if we meet up to 6k a year before insurance pays out. It's ridiculous. As a result we don't go to the doctor often since it's expensive. The US requires health care coverage or pay a lot of money at tax time for not having it.
     
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  15. Throbber

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    Health insurance in America sucks ass. It has for at least the last 10 to 15 years maybe longer. Most people would have a cheaper monthly payment on a Rolls Royce than what they'd pay monthly to cover a family
     
  16. sensless

    sensless Well-Known Member

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    It's a bad system, because a little thing could become something much bigger and people would suffer and end up not being able to get treatment. Not nice.

    I hope you get better insurance soon.
     
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  17. Lkmccr

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    It really depends on how good your insurance is.I have had really no problem with mine. I have the co pays for visits but generally everything is covered. I see the doctor on a regular basis and my meds are reasonable. Of course, I pay a little more for my insurance
     
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  18. DrinkMeIn

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    I had emergency surgery in Aug for a mass on my ovary. Uninsured the hospital reduced it from over $60,000 to around $33,000. Kill me.
     
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  19. woodster

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    the VA provides me with medical coverage. i am taking everything i can get from them. have to admit they have been very good over the years. in other parts of the country the veterans dont have it quite as good as in Ct where i am because they are overloaded. still i pay $50 for Dr visit and $8 copay for my meds. they need to fix my back soon.
     
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  20. CLE32793

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    I just came across the list of 'excemptions' that will get you out of paying the fine on the training for open enrollment this year. I saved it for a friend that is a CNA and her husband is a mechanic so they are not offered insurance through work and she seems to keep getting burned. I have no problem sharimg but it's on the computer and I'm on my phone. If we were not covered by E's decent insurance I don't know what we would do especially since he's had double bypass.
    Some of the quotes I gave out last year for PA made my heart ache. It truly is sad and when you think about the common physician is not even trained in nutrition much less preventing disease and healing it....we are fucked.
     
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