FedEx Freight | Yet....Another HOSING

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Heres the story of the latest Hosing..Latest is the KEY WORDI have more...

I went to an Gastroentenologist (a Poopie Doctor) pardon my spelling....

My co-pay was $40.00 for a specialist....

The Charges by the Dr. were $125.00....

Contract agreement with Cigna say's they think his work is only worth $63.91.......Cigna payed $21.09.....I payed...$40.00.....the Dr. gets stuck for $63.91....

what's wrong with this story....

WE NEED A BETTER DEAL...........

I hope the company lawyers that are planing next years open enrollment right about now...................... treat us better...everything can't be structured for the benefit of the company.....We need some things for our benefit...DAMMIT
 
For those that don't know...

Cigna equates to Fed-Ex.....Because were self insured...

Cigna is a payed paper pusher for the company....and they also make profit by selling us Med's through the mail....which is also structured to maximize their PROFIT.....
 
Heres the story of the latest Hosing..Latest is the KEY WORDI have more...

I went to an Gastroentenologist (a Poopie Doctor) pardon my spelling....

My co-pay was $40.00 for a specialist....

The Charges by the Dr. were $125.00....

Contract agreement with Cigna say's they think his work is only worth $63.91.......Cigna payed $21.09.....I payed...$40.00.....the Dr. gets stuck for $63.91....

what's wrong with this story....

WE NEED A BETTER DEAL...........

I hope the company lawyers that are planing next years open enrollment right about now...................... treat us better...everything can't be structured for the benefit of the company.....We need some things for our benefit...DAMMIT

Thom-8-Toes :clap:

I don't see what you are complaining about.
Cigna paid the contracted rate for the
procedure that this doctor billed.
Surely you don't expect Cigna to pay
$20.00 for a band-aid do you??
Now if Cigna had refused to pay any
of it then you may have a case.

:shift:
 
Thom-8-Toes :clap:

I don't see what you are complaining about.
Cigna paid the contracted rate for the
procedure that this doctor billed.
Surely you don't expect Cigna to pay
$20.00 for a band-aid do you??
Now if Cigna had refused to pay any
of it then you may have a case.

:shift:

River.....You don't see anything wrong with Me paying $40.00 and Them paying $21.09....

Come on Man

Almost $20.00 a week I pay for insurance....and that gives me the right to pay more of a share then the Company........

Maybe I confused you by putting in the contracual agreement part....I did that to be perfectly honest about the reporting....I don't CARE about that so much....as .....the point I paid the larger amount....

I pay $40.00......They pay $21.09....nothing wrong there....Okay....your right River...and it wasn't like a $20.00 band-aid was even involved.....He was solving a major stomach problem....that could have hospitalized me if not treated.....then what......I pay $10,000.00 and they pay $4,000.00

By the way.....SAME Dr. said He's not going to accept Cigna Next Year......I don't blame him
 
I don't see a problem with it, they knew the rates when they agreed to the contracted pricing, if he didn't want to accept that rate he shouldn't sign a deal with them as you say he is not going to do next year.

Just had some surgery, here are some of the charges, so far my amount = 0, works for me :clap:

<table id=&quot;claimsSummary&quot; class=&quot;dataTable sortable&quot;><tbody><tr class=&quot;even&quot;><td>
</td> <td class=&quot;even&quot;>09/15/2009 - 09/16/2009</td> <td class=&quot;even&quot;>SSM DEPAUL HLTH CTR </td> <td class=&quot;even&quot;>
</td> <td class=&quot;numeric&quot;>BILLED$19,761.40
</td> <td class=&quot;numeric&quot;>PAID$4,497.51MEMBER</td> <td class=&quot;numeric&quot;>$0.00</td> </tr> <tr class=&quot;odd&quot;> <td>
</td> <td class=&quot;odd&quot;>09/15/2009</td> <td class=&quot;odd&quot;>K MD RICARDO M </td> <td class=&quot;odd&quot;>
</td> <td class=&quot;numeric&quot;>BILLED$1,120.00</td> <td class=&quot;numeric&quot;>PAID$690.00</td> <td class=&quot;numeric&quot;>MEMBER$0.00</td> </tr> <tr class=&quot;even&quot;> <td>
</td> <td class=&quot;even&quot;>09/15/2009</td> <td class=&quot;even&quot;>Q MD KHALID </td> <td class=&quot;even&quot;>BILLED</td> <td class=&quot;numeric&quot;>$55.00</td> <td class=&quot;numeric&quot;>$9.13</td> <td class=&quot;numeric&quot;>MEMBER$0.00</td> </tr> <tr class=&quot;odd&quot;> <td>
</td> <td class=&quot;odd&quot;>09/15/2009</td> <td class=&quot;odd&quot;>B MD JOHN J </td> <td class=&quot;odd&quot;>BILLED</td> <td class=&quot;numeric&quot;>$4,086.00</td> <td class=&quot;numeric&quot;>$1,182.18</td> <td class=&quot;numeric&quot;>MEMBER$0.00</td> </tr> <tr class=&quot;even&quot;> <td>
</td> <td class=&quot;even&quot;>09/15/2009</td> <td class=&quot;even&quot;>B MD JOHN J </td> <td class=&quot;even&quot;>BILLED</td> <td class=&quot;numeric&quot;>$1,833.00</td> <td class=&quot;numeric&quot;>$527.31</td> <td class=&quot;numeric&quot;>MEMBER$0.00</td> </tr> <tr class=&quot;odd&quot;> <td>
</td> <td class=&quot;odd&quot;>09/15/2009</td> <td class=&quot;odd&quot;>B MD ALEXANDER D </td> <td class=&quot;odd&quot;>BILLED</td> <td class=&quot;numeric&quot;>$840.00</td> <td class=&quot;numeric&quot;>$44.50</td> <td class=&quot;numeric&quot;>MEMBER$0.00</td></tr></tbody></table>
 
I don't see a problem with it, they knew the rates when they agreed to the contracted pricing, if he didn't want to accept that rate he shouldn't sign a deal with them as you say he is not going to do next year.

Just had some surgery, here are some of the charges, so far my amount = 0, works for me :clap:

<TABLE id=claimsSummary class=&quot;dataTable sortable&quot;><TBODY><TR class=even><TD>


</TD><TD class=even>09/15/2009 - 09/16/2009</TD><TD class=even>SSM DEPAUL HLTH CTR </TD><TD class=even>


</TD><TD class=numeric>BILLED$19,761.40


</TD><TD class=numeric>PAID$4,497.51MEMBER</TD><TD class=numeric>$0.00</TD></TR><TR class=odd><TD>


</TD><TD class=odd>09/15/2009</TD><TD class=odd>K MD RICARDO M </TD><TD class=odd>


</TD><TD class=numeric>BILLED$1,120.00</TD><TD class=numeric>PAID$690.00</TD><TD class=numeric>MEMBER$0.00</TD></TR><TR class=even><TD>


</TD><TD class=even>09/15/2009</TD><TD class=even>Q MD KHALID </TD><TD class=even>BILLED</TD><TD class=numeric>$55.00</TD><TD class=numeric>$9.13</TD><TD class=numeric>MEMBER$0.00</TD></TR><TR class=odd><TD>


</TD><TD class=odd>09/15/2009</TD><TD class=odd>B MD JOHN J </TD><TD class=odd>BILLED</TD><TD class=numeric>$4,086.00</TD><TD class=numeric>$1,182.18</TD><TD class=numeric>MEMBER$0.00</TD></TR><TR class=even><TD>


</TD><TD class=even>09/15/2009</TD><TD class=even>B MD JOHN J </TD><TD class=even>BILLED</TD><TD class=numeric>$1,833.00</TD><TD class=numeric>$527.31</TD><TD class=numeric>MEMBER$0.00</TD></TR><TR class=odd><TD>


</TD><TD class=odd>09/15/2009</TD><TD class=odd>B MD ALEXANDER D </TD><TD class=odd>BILLED</TD><TD class=numeric>$840.00</TD><TD class=numeric>$44.50</TD><TD class=numeric>MEMBER$0.00</TD></TR></TBODY></TABLE>
JUST WAIT YOU DIDN,T GET THR WHOLE BILL YET THOUGHT THE SAME THING AND ALL OF A SUDDEN GET A BILL FROM ANASTIESIOLIGEST FOR 900 NOT COVERD AND HERES THE KIKER I HAVE CIGNA AS A PRIMARY AND A SECONDARY SHOULD BE GETTING LOTS OF 000 NOPE BILLS GOING TO CLECTIOBS BUT NO FEAR I HAVE A REALY GOOD LAWYER AND WHAT THE HAY RETANER IS ONLEY 500 YOU SHOULD START LOOKING 6MO FROM NOW YOU WILL BE SAYING WHAT HAPPEND ISIGNED WHAT IHAVE TO PAY WHAT:eck13:
 
You may be right, we'll see but that's not what the web site says.

THANK YOU FOR USING THE CIGNA HEALTHCARE OPEN ACCESS PLUS NETWORK. THIS REPRESENTS YOUR SAVINGS, SO YOU ARENOT REQUIRED TO PAY THIS AMOUNT. THIS PROVIDER IS PROHIBITED FROM BILLING THE PATIENT FOR THE DIFFERENCE.IF YOU HAVE ALREADY PAID THE FULL AMOUNT, PLEASE REQUEST REIMBURSEMENT FROM YOUR PROVIDER. IN OR CA HEALTHCARE PROFESSIONALS, FOR INFORMATION REGARDING THE CONTRACTUAL SOURCE OF YOUR DISCOUNTED RATE, PLEASE CONTACT CIGNA CUSTOMER SERVICE DEPARTMENT AT

FM
 
Heres the story of the latest Hosing..

My co-pay was $40.00 for a specialist....


Contract agreement with Cigna say's they think his work is only worth $63.91.......Cigna payed $21.09.....I payed...$40.00.....the Dr. gets stuck for $63.91....

what's wrong with this story....

Sounds pretty good to me. You paid $40 and now you are on your way to being better. Who cares what the doctor made, that's his deal.

I think you are misreading the EOB. Usually the doctor is paid the agreed upon charges (why they insist on billing for more is beyond me) plus any co-pay that you paid. That's the way it's always worked in my case. So the doctor actually made $103.91 in your case.

My wife just had a $48K surgery and we ended up paying about $400 total. I am not going to complain about that.

You guys need to look at what else is out there and you might get a good idea about how good our insurance is. The company my wife works for offers BC/BS to the tune of $130 a month for just her (70/30 policy). We pay $32 every 2 weeks for both of us for a 90/10 policy here. I think we have it pretty good here.
 
He isn't complaining about the Doc getting the shaft.......he is complaining that his copay was more than what the insurance paid. The way to fix that.....go in for a more expensive procedure. When my kids were born the cost was $5000-$8000 each I paid $500 each for the hospital deductable. Using a FXF phrase....you need to see the big picture!!
 
So far, I don't have any complaints with Cigna. I'm getting to the age where doctors are taking up more of my time, but so far... I've been on the winning end. True, the &quot;winning&quot; end would have been better a few years ago, but right now I'm not complaining. I don't care what the doctor makes. That's his/her deal. What I'm concerned about is what I pay at the office. And so far, while the cost is mounting, I'm ok with it.

I would suggest to all that if you are putting off something medical, you get it done now. Who knows what will happen next year when the insurance companies sense that they may not make as much money as this year.
 
Sounds pretty good to me. You paid $40 and now you are on your way to being better. Who cares what the doctor made, that's his deal.

I think you are misreading the EOB. Usually the doctor is paid the agreed upon charges (why they insist on billing for more is beyond me) plus any co-pay that you paid. That's the way it's always worked in my case. So the doctor actually made $103.91 in your case.

WEE DOGGIE,Gaurdrail....Thats some pretty good middle of the OkeFenokee swamp rithmatic you used there,....but you got it wrong....all that was paid was $61.09........

$ 40.00 copay,paid by me
$ 21.09 Paid by them
$ 61.09 Total paid

AND I DONT GIVE A GOOD FiretrUCK WHAT THE DOCTOR MADE,HE MUST BE STUPY TO SIGN A CONTRACT AGREEING TO GET 1/2 OF WHAT HE CHARGES.....
 
Just wait until he gets Obama care. Then there will be no complaints because he wont get to see a doctor.Well maybe in a year.:Flame-On:
 
The real problem here is inflated costs by healthcare providers and then ontop of that an insurance company has their hands in everyone's pockets. I was at the hospital years ago and mentioned to my then hubby that I had forgotten my toothbrush and could he please bring it up with him. The nurse says...Oh no, we have those here, don't worry about it, I will bring you one. What she brought me was a disposable toothbrush with a teeny tiny tube of toothpaste. When my bill came some weeks later, the hospital charged $12.00 for the toothbrush and $8.00 for the toothpaste. The people of this country have been grabbed up by the short hairs by insurance companies and healthcare. People don't want to do an honest days work and make an honest living anymore...they want to rob people that need their services so they can have summer homes, travel abroad and live off the backs of anyone and everyone. And of course this goes right along with corporate greed. :ranting2:
 
The people of this country have been grabbed up by the short hairs by insurance companies and healthcare. People don't want to do an honest days work and make an honest living anymore...they want to rob people that need their services so they can have summer homes, travel abroad and live off the backs of anyone and everyone. And of course this goes right along with corporate greed. :ranting2:

FedExWench :clap:

I think you are a little confused.
On the one hand you think you are getting ripped off by the insurance companies, doctors and hospitals.

They only inflate the prices they charge to compensate for the non-insured and illegals that do not have health insurance.

Then you say people don't want to do an honest days work and make an honest living anymore

Why would they when they can get a welfare check or extended unemployment check courtesy of Obama and our more than generous Congress.(They always like spending other people's money)

If you are a private sector working stiff, then you are to be squeezed like a lemon by our over spending out of control government.

Welcome to Socialism.

:shift:
 
This all started baack in the 60's when Johnson and the Dem controled congress inagurated the great society!
Doctors could not charge less for a procedure than Medicare charged. So everyone got to pay more. You take it from there.

PS: River what'd have with all those charges? Brain transplant LOL!!!:nutkick:
 
FedExWench :clap:

I think you are a little confused. They only inflate the prices they charge to compensate for the non-insured and illegals that do not have health insurance.

That's only part of the reason they inflate their costs. I don't know about you, but I have NEVER delivered to a hospital that wasn't under going some sort of expansion. I also took a look at my mother's final medical bill. They had things &quot;ready&quot; that they never used, but since the item was put out, she was charged for it even though the sterile seal was never broken. I'm betting you paychecks that that &quot;kit&quot; was just put back in stock since it wasn't used, and they charged my parents $150 for each time. (A total of 6 procedures were performed. $900 for an item that was NEVER used.)

Why would they when they can get a welfare check or extended unemployment check courtesy of Obama and our more than generous Congress.(They always like spending other people's money)

The extended unemployment benefits also happen to include hard working Americans that lost thier jobs through no fault of their own and are having a lot of trouble finding new employment. You'd want to cut them off at the knees too?

Look, Welfare is an easy target. Yeah, we have lazy, shiftless people in our society. I don't know what to do about them, and neither do you. We can let them live on the streets or keep them with some sort of roof over their heads. Until we get heartless enough to to cut them loose, we're going to have welfare. And if you don't think the crime rate would rise by forcing these people out onto the streets, you're dreaming. We either &quot;take care&quot; of these people or we will pay in some other way. Just as we pay bigger insurance rates because of people using the emergency room as their primary care giver, we would pay higher social costs by stopping the aid to those that either can't or won't work. I know it's a tough pill to swallow, but as a society, we have to swallow it. The only way we can change it is at the core. Too many issues at the core to go into here, but it involves drug laws, drop out rates, and medical issues.

If you are a private sector working stiff, then you are to be squeezed like a lemon by our over spending out of control government.

Yeah, we're being squeezed. No doubt about that. There are huge amounts of waste that those in charge refuse to address. I don't know what the answer to that is, except voting, but it seems once they get in and get trained in the way of American politics, nothing changes. I think we need something radical in the way we choose our &quot;leaders&quot;. Another topic maybe....

Welcome to Socialism.

Dude, regardless of what Beck and Limbaugh say, we are far from a full socialist society. Look up the word and then come back and tell me we are a socialist society.

In several aspects we are. Our Military, the VA, the Post Office, our police, our firefighters, the National Guard, libraries.

I'm not sure why you say we are completely socialist. You may think Obama is going to make us so, but that's because you have given up and accepted the rantings of BeckLimbaugh. Just remember, they are ENTERTAINERS who make a ::shit:: load of money preaching fear and hatred to the yearning masses. They know what sells, and that's what they offer.

Do your own research. The insurance companies have a vested interest in keeping things the way they are. I don't know about you, but if I want to see my doctor, I have to make an appointment which may be weeks if not months in advance. It's not like you can get instant health care in America. Unless of course you go to the emergency room and wait for 10 hours.

You need to look at the other costs we pay for that aren't readily apparent. Then you can see why it is important that people buy into some sort of health care. Be it government sponsored or private.

I really believe that a government sponsosred health car plan will be less expensive than the emergency health care &quot;plan&quot; we now use. I'd rather pay for someone to avoid health issues than pay the inflated costs of emergency care.

The right apparently believes that it is better to pay for emergency care than to avoid it.

Of course, the evil illegles who are all murderous monsters may still require our paying for their health care. What I want to know is when did we become the nation that would turn people out to die on the streets instead of helping them? Fine. Fix them, deport them. I don't know about you, but I would rather our nation be tolerant and help those in need than the nation that lets people die.

The world is bigger than our wallets. It sucks I know, but we aren't alone here. As much as the right would want us to be, we aren't.

Don't buy into their fear and hatred.
 
That's only part of the reason they inflate their costs. I don't know about you, but I have NEVER delivered to a hospital that wasn't under going some sort of expansion. I also took a look at my mother's final medical bill. They had things &quot;ready&quot; that they never used, but since the item was put out, she was charged for it even though the sterile seal was never broken. I'm betting you paychecks that that &quot;kit&quot; was just put back in stock since it wasn't used, and they charged my parents $150 for each time. (A total of 6 procedures were performed. $900 for an item that was NEVER used.)

That is part of the problem of having a third party paying the bills (insurance company), if we had to pay for the small stuff up to the say first $5,000 we would be asking more questions regarding costs. We should only use the insurance card for catastrophic major cases. The people that have these
Cadillac plans with no copay and want to take the day off from work they can just go see the clinic for any hangnail or other excuse.

The extended unemployment benefits also happen to include hard working Americans that lost their jobs through no fault of their own and are having a lot of trouble finding new employment. You'd want to cut them off at the knees too?

When I was young I never had any problem finding a job. I may have to move if I wanted to stay driving a truck or whatever, but right now we have many people that had real good paying jobs that were forced due to high taxes or excessive regulations to move to Mexico or China. These jobs are not coming back anytime soon, so these people either have to move where other jobs are or need to get a job that pays less money. But as long as they can milk the unemployment check why go look for work.

Look, Welfare is an easy target. Yeah, we have lazy, shiftless people in our society. I don't know what to do about them, and neither do you. We can let them live on the streets or keep them with some sort of roof over their heads. Until we get heartless enough to to cut them loose, we're going to have welfare. And if you don't think the crime rate would rise by forcing these people out onto the streets, you're dreaming. We either &quot;take care&quot; of these people or we will pay in some other way. Just as we pay bigger insurance rates because of people using the emergency room as their primary care giver, we would pay higher social costs by stopping the aid to those that either can't or won't work. I know it's a tough pill to swallow, but as a society, we have to swallow it. The only way we can change it is at the core. Too many issues at the core to go into here, but it involves drug laws, drop out rates, and medical issues.

This was not such a big deal when it was only a small percentage of people on the rolls. But now many figure it is easy money, and have another job under the table (like dealing drugs or being a pimp.)
Now the only solution would be to require folks to move to another country where you can live very well for say $100 to $200 a month in order to keep receiving a welfare check.

Yeah, we're being squeezed. No doubt about that. There are huge amounts of waste that those in charge refuse to address. I don't know what the answer to that is, except voting, but it seems once they get in and get trained in the way of American politics, nothing changes. I think we need something radical in the way we choose our &quot;leaders&quot;. Another topic maybe....

All politicians are influenced by lobbyist in DC that pay for their reelections.
You need to tax lobbyist at 110% of wages to get them to find another line of work.

Dude, regardless of what Beck and Limbaugh say, we are far from a full socialist society. Look up the word and then come back and tell me we are a socialist society.

In several aspects we are. Our Military, the VA, the Post Office, our police, our firefighters, the National Guard, libraries.

I'm not sure why you say we are completely socialist. You may think Obama is going to make us so, but that's because you have given up and accepted the rantings of BeckLimbaugh. Just remember, they are ENTERTAINERS who make a ::shit:: load of money preaching fear and hatred to the yearning masses. They know what sells, and that's what they offer.

I did not say we are socialist now. We are headed in that direction.
But Obama is actually a Marxist and he wants to control all private industry.

Do your own research. The insurance companies have a vested interest in keeping things the way they are. I don't know about you, but if I want to see my doctor, I have to make an appointment which may be weeks if not months in advance. It's not like you can get instant health care in America. Unless of course you go to the emergency room and wait for 10 hours.

You need to look at the other costs we pay for that aren't readily apparent. Then you can see why it is important that people buy into some sort of health care. Be it government sponsored or private.

I really believe that a government sponsored health car plan will be less expensive than the emergency health care &quot;plan&quot; we now use. I'd rather pay for someone to avoid health issues than pay the inflated costs of emergency care.

The right apparently believes that it is better to pay for emergency care than to avoid it.

Of course, the evil illegals who are all murderous monsters may still require our paying for their health care. What I want to know is when did we become the nation that would turn people out to die on the streets instead of helping them? Fine. Fix them, deport them. I don't know about you, but I would rather our nation be tolerant and help those in need than the nation that lets people die.

The world is bigger than our wallets. It sucks I know, but we aren't alone here. As much as the right would want us to be, we aren't.

Don't buy into their fear and hatred.

How are you going to force everybody that does not want to buy health insurance, like the young or the poor??
You live in the theory world and not the real world.
Anything that the government gets involved with eventually ends up costing more than in the private sector.
The one thing you did not mention is that individuals need to take responsibility for their own actions or inactions.
But liberals and progressives think that most people are too stupid to take care of themselves and can only survive if big government is there to hold their hand from cradle to grave. So if you want to be a slave of the government and you do not care to improve your lot in life then socialism will give you enough money to get buy with a lower standard of living.


:shift:
 
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