I had an “annual” physical this year for the first time in a while. This generated a lot of work for the U.S. Postal Service. I received some paperwork in advance via mail. Now I’ve got the follow-up mailings. One of these is a statement from the Obamacare insurance provider. My doc ordered four standard tests at Emerson Hospital, which tried to bill $558.60 for these services. The insurance company, Harvard Pilgrim, decided that the price should be $89.42 instead and apparently this amount was accepted. $23.73 of this was “deductible” applied, so the insurer actually paid out only $65.69 to the hospital. This triggered a hardcopy bill from the hospital for $23.73. I think that there is a theory for Obamacare policies (this one is a “silver” policy that costs about $8,500 per year) that screening procedures are not supposed to require a copayment, but somehow this one did? It looks as though the “lipid panel” was paid in full (well, not the $228.84 that the hospital asked for, but the $37.58 that was the negotiated price) but the “comprehensive metabolic panel” ($88 marked down to $23.73) had to come out of the deductible? ($10,000 per year?)
- Adventures in Obamacare
- Obamacare premium for 2017 (my rate was less than half just two years ago)
- Obamacare for multi-millionaires (how smart people get their Obamacare)
- In the age of Obamacare, what function does the retail price serve?
- An Obamacare Day