Tag: medical bills

Not Totally Off The Record

Well it’s been a Year and a fucking Half and,I still have a few Medical Bills I have to get sorted out which is No Big Deal really it just takes some time. As I said before TIME TAKES TIME.

So Monday Night I went to My Local Bar to meet up with My Brother, SpaceDog, and some Mutual Friends for a couple of Drinks. Once We all had arrived We ordered a Couple of Pitchers of Beer and started to Shoot the Shit and Blow off some Steam.

Unbeknownst to Me My Brother had made up His mind to Record Me (Using His fucking Cell Phone at that) when He thinks I’m saying something with Some Sort of fucking Value. What that May or May Not be is left up to His discretion.

       

I can’t be Mad about it in the Least. I constantly tell Myself I should utilize Voice Memos on My Phone to Record ideas as I go on through out My Day. I’m not always near My Laptop (I’m not one of those Assclowns that walk around all fucking Day with Their Laptop tucked under tTheir Arm or in some shitty bag slung over Their shitty shoulder.).

Also there is NEVER a fucking Pen and Paper when You Need it, but thats alright I end up writing shit down on whatever is handy and then promptly loose Them. Cell Phones aren’t always Sufficient and can be Temperamental twats.

So really He’s doing it on My Behalf. This is a Excerpt from what He recorded That Evening. NOTHING has been Added, Deleted, or Embellished. I like this recording because it showcases both sides of My Personality. On one Hand You have the Decent Guy with a Big Heart. On the Other Hand there’s the Sarcastic, Pessimistic, Shit Talking, Opinionated, Rude, Brutally Honest, Anti-Authority, and Offensive Foul Mouthed Asshole.

       

“You, I feel bad ok there two Schools of Thought. You feel bad because I’m not a complete asshole so I feel bad for the Debt Collector because I am aware of what Their day is like dealing with People like Me when I’m acting like Me.

So thats why like I get really fucking indignant when I don’t duck Your phone calls, I’m not procrastinating, I’m not bullshiting, I’m not wasting your time in fact I’m calling you so all I’m saying is I expect you to be cooler because I’m basically walking up to You and going Hey here’s a free present. I’m not going to yell and curse at you. I’m actually calling you because I want to find out how I can pay the bill or a payment method to do so.

What more can a fucking Creditor want?! I mean fucking seriously, fucking seriously. It should should be Their wet Dream. Even this Lady today was great towards the end and shit We were joking these People do have a sense of humor. They really fucking do. They will admit what Their job is asking of You absolutely fucking ridiculous because They Themselves could not fucking do it, and They work for these people.

       

It was all good like I was confused, but that’s from talking to the other people so a that point I had a limited capacity. Um… I was kind of thinking about what My Wife was saying. Admittedly there is some diminished mental capacity at that point, so that’s all I’m going to say thats My only statement. Um… but like right after We got to joking and like everything was  under control as far as I’m fucking concerned things were going great at that point.

I’m like I’m exhausted, I barely know what the fuck is going on, but I got this Lady laughing I haven’t told Her to go fuck her own face  this is going great. And yes I understand there is another second bill…Oh Shit.

+At this point I was unaware of where I was waving My hands and knocked over My Freshly made Rum & Coke+

       

That’s a dead solider right there, but My point is I dressed that with Her so not only have We taken care of 1 account plus what I had already paid the Doctor’s office before I called Her, and We addressed the 3rd account so we should be fine. Like I said everything is going great. I told Her I had to talk to a particular person to acquire the cash to pay off the 3rd account in full in just one singular fucking payment. Pretty goddamn reasonable if you ask Me for someone who’s being contacted by a fucking Collection Agency.

And like I said I realize it’s Her job dude but it’s the quickest way to get Me to FUCKING HATE YOU. It’s like all bets are off I was playing nice, and self justification that if They aren’t playing nice then I DON’T HAVE TO PLAY NICE. This happened when She jumped Me like an parasitic asshole and was like “Oh Well When will You be Talking to That Person? Do you know how much money you can get from this person? Can you get all of the Money from this person? When do you think you can get some money from that person? When can you get all of the money from that person?

       

So I’m like OH YOU CAN SUCK MY DICK because thats just fucking ridiculous. I just fucking did your job and made your day a whole lot easier by one phone call You can go tell Your Boss You settled an account, They paid this initially today, We got a split payment plan for the rest, and I told Him about the 2nd outstanding account He told Me Blah Blah Blah He’s going to make some calls or whatever.

I’m sorry but as far as I’m concerned thats a fucking Win-Win for fucking both of Us. So I just like I know it’s part of Her job, but like You still as a person She has free will so She didn’t actually have to say that.

And if someone had come to Her and been like “Margret You Didn’t ask THE QUESTIONS?!” or whatever the fuck Her name was She could have been like “HEY in all due favor LOOK Payment, Set Up Payment, and addressed payment So You can’t really be mad at Me.” because basically She did her job Great. I got money, I set up getting more money, and Addressed the 3rd Money What do You want from Me so what if I went off script or some shit?!

       

It wouldn’t mean shit to anybody as long as She collected some fucking cash or a Commitment (AKA a Payment Plan) for Payment because lets face it thats all They give a flying fuck about is the Money. So She literally in all actuality even though I am saying it’s Her job I’m making excuses for Her because I don’t think She had to do that. Why become an asshole at the end of a successful phone call?! What fucking purpose could that serve?!

When She did that there was a feeling like Oh Ok now You’re going to slap Me in the fucking face? We just went thorough all this bullshit, We came to a resolution, We’re all Happy and We’re going to shake hands and instead of shaking My hand You’re going to just slap Me in the Face. And then start drilling Me like some insane interrogation Which by the way I’d have to be fucking Psychic to have any sort of answer about future fucking payment.

       

I have no idea when or where I will speak with someone it’s not fucking like “Oh sure I’ll be having Lunch with them in 3 weeks on the 24th at 12:33pm at The Greasy Spoon Diner. I will have a Cheese burger and They will have the Soup of the fucking Day. They will be impeccably dressed as usual. GIVE ME A FUCKING BREAK YOU UNREALISTIC ASSHOLE(S).!”

That is were that particular recording was abruptly ended by My Brother.

Thanks for Reading,

  By Les Sober

The Class Action Lawsuit Conundrum

By now its NO secret I have great contempt for Doctors, and an intense hatred of Hospitals. Why One may ask?! Well I’ll recap for those of Our Reader’s who aren’t aware. Thats because those are by fucking far the two WORSET of the Healthcare Crisis Creators. So the following should really not be a surprise to anyone at this point in the Game.

In my ongoing relatively new”hobby” of harassing the complete shit out of the Doctors, and other assorted Medical Staff I brought up the subject of Class Action Lawsuits. And what a fucking reaction I got.

The Doctor (who just happened to be a Specialist, the worst kind of fucking Doctors if you ask me which you didn’t, but I don’t give a flying fuck so) Anyway He smiled anxiously, and started to laugh nervously. He then stopped looking at me and swung his head to the left and pointed it directly at the fucking floor like a fucking Child who just got in trouble.

He then babbled, Hemmed and Hawed about “Lets not think about that…Lets not concern Ourselves with that” and changed the subject as fast a hiccup. Unfortunately for Him I was far from finished.

So I then launched into My Argument as I steamrolled the shit out of the poor fucker. Heres My Point People:

Now a Medical Class Action suit is when some Medical shit goes sideways be it a Medication or Medical Surgical Product like say an Artificial fucking Hip Joint.

When this unfortunate shit happens a large to massive group of People get together with the same Lawyer or Law Firm, and sue the ever loving shit out of the Product Manufacturer, but it can also target Doctors who were involved in any way with the faulty product as well as Hospitals.

What We all have to fucking ask Ourselves at this point is simply this, WHY Are These People Lawyering up, and going after The Manufacturer or whoever They believe to a be a guilty party???

HERES FUCKING WAY KIDS: When a Surgical mishap occurs the Patient is utterly and absolutely proper fucked. Not only did They have to go through the Emotional, Mental, and Physical Pain/hardships of going through the said Surgery once before. Not to mention They had to Battle an onslaught of Crippling Medical Bills the first time around as fucking well.

On top of that bullshit when a Surgical Product Fails THE DOCTORS AND HOSPITALS will Replace the defective part with a new and better one, BUT YOU HAVE TO PAY THEM FOR THE SECOND SURGERY.

If Doctor’s grabbed Their fucking balls, manned the fuck up, and took some fucking responsibility things would be vastly different. They are the fucking ones who opted to use the goddamn product (not like the patient picks from a fucking catalog or some shit.)

If Doctors/Hospitals did the fucking right thing They would replace the failed part FOR FUCKING FREE.

And why should They do it for fucking free some of you might still be asking still at this point?!

Thats an EASY ANSWER. If Doctors/Hospitals just ACCEPTEd as Their poor Patients had too (who’s health is now in danger, pain or discomfort, and went through and paid for the fucking said Surgery already) that it sucks, but sometimes shit just goes sideways. And considering the cunts took a Hippocratic Oath it seems the ball falls solely in Their Court.

The Hippocratic Oath is when Doctors are SWORN In and states They will do EVERYTHING (My Ass) to use/apply Their Medical training, and knowledge to Help Mend the Injured, and Heal the Sick.

I believe if you SWEAR AN OATH You damn well should fucking abide by it. Its the same thing to Me as breaking a fucking promise. You don’t fucking do it.

Also beside being the Morally and Ethically right thing to do MCLs are bad for fucking everyone involved.

The Patient has to wait and suffer or possibly even fucking DIE. The Lawyers have to Wage War in Court like serious sons of bitches as The Prosecution needs to win to get paid, and the Defendant doesn’t want to pay a single red fucking cent.

Its bad for Hospital’s that are successful in a large part to Word of Mouth/Social Media recommendations and accolades, MCL’s are VERY DETRIMENTAL PUBLIC RELATIONS. No Patients No Hospital.

Its sucks BIG TIME for Doctors as Their Employers whoever They may be don’t appreciate Negative Press. I say Employer as in Hospital since thats were Surgeons conduct Their Surgeries.

Not to mention the Doctors already hefty Malpractice Insurance Company will jack up the Doctors rate exponentially. Its also harmful for the Doctor’s reputation  just like with Hospitals, no one wants to be a Patient of a Doctor who got seriously sued. No Patients, No Doctors.

Lastly as far as the Doctors are concerned MCLs get the attention of the American Medical Society (AMA) that is the Medical World’s Governing Authority. The AMA can heavily fine Doctors for infractions, They can also suspend a Doctors License to Practice Medicine for 6months to 10 years to PERMANENTLY.

That means without a License (or a suspended one) the Doctor has to find a new job as without a Medical License IT IS ILLEGAL FOR THEM TO PRACTICE MEDICINE, and You can be Arrested, Tried, and sent to Prison for many years.

My Bottomline here is:

Shit Happens by Why Should It Be The Patients Problem, and not the WEALTHY MOTHERFUCKERS WHO DIAGNOSED THE ISSUE, RECOMMENDED SURGERY, AND PREFORMED SAID SURGERY?!

Aren’t They the so called MEDICAL PROFESSIONALS? Well fucking ACT LIKE IT THEN YOU SELFISH SELF SEVERING SACKS OF SHIT.

Thanks for Reading,

 By Les Sober

Hospitals: PAY OR DIE.

In my various Medical past have long ranted, raged, rioted, and railed against the current American Medical Capitalist Shit Show singling out Doctors as the biggest offenders.

I was wrong. I admit it. I was wrong.

The Biggest offender in the Medical Game is actually HOSPITALS.

It comes down to the Lesser of 2 evils. The System or Cycle of Abuse’s structure remains the same. That is BOTH Doctors and Hospitals exploit the Health Insurance companies. While they do this their all thinking:

“Well it doesn’t hurt anyone and these are Billion Dollar Corporation’s Cash we’re taking.”

What the Doctor’s and Hospitals forgot that in return for their financial exploitation the Insurance Companies turned right around and took it out on the Customers.

The Insurance Companies:

They Raised Deductibles.

They Raised Their Rates of Service.

They flat out Denied People Coverage period.

They tried to fuck people over with bullshit like Pre Existing Conditions.

WORST of all the Health Insurance Companies started denying more and more and more claims leaving their customers high and dry.

The Hospitals started to Monetize EVERY FUCKING THING.

A Prime Example of this is: The average cost of a Hospital room is $1,000 to $1,200 a Day. Thats just for the room. It doesn’t include any and all actual Medical Care such as Blood Work, Meals, Medicines, Diagnostic Tests, Surgeries etc. Its LITERALLY FOR JUST BEING THERE.

That Makes Hospitals the World’s most Expensive and yet at the same time Totally Fucking Shitty Hotel.

Another example of Hospitals gross greed is my Medical Bill from my Hospital was 6 Fucking Figures, and even before I was discharged I had 2 fucking Women from the Billing Department in my room demanding to know how the Hospital was getting paid, and if we could come up with $15,ooo deposit by the end of the day (they showed up at 4:30 on a fucking Friday so talk about last fucking minute.) being the Money Hungry Whores.

The Hospital fucked up my admission paper work, and didn’t check off that I had Insurance. I can’t actually blame them I was a fucking horror show by the time I arrived at the Hospital. Not to mention They showed up at 4:30 on a fucking Friday the stupid twats so talk about last fucking minute.

Just My shitty luck I had the pleasure of have yet a second fucking surgery this year (FUCK 2018!) and had a very unusual new experience.

This is how it all went down. The Hospital told me on the day I scheduled the Procedure that as part of Their customer service I would receive a phone call from them. The point of the phone call I was initially told was to expedite the tedious admission process (this was ironically to help ease the patients possible stress/fear/anxiety about the upcoming Surgery.

I received the aforementioned pre admission check in phone call at 9:00 am THE DAY BEFORE THE PROCEDURE. (you’ll see why thats key as well as I said ironic here in a minute)

The pleasant Woman on the phone introduced herself and we started the process as it were. She asked me My Name, Address, and if I had Insurance. That was it.

Usually they also ask shit like “Are you Allergic to any Medications?” and “Do You Take Any Medication Currently?”, “IS there a history of some particular disease (like cancer or diabetes etc.) run in your family”, “Have you been Hospitalized in the last 5 years?” and all that pertinent medical shit.

Right then I had a feeling things were about to get real fucked up and fast. This obviously was some sort of fucking ruse. This wasn’t some sort of Curtesy this was a New Beast all together.

The Woman told me (that the Hospital) had already whipped up an approximate bill, and that the cost would be $28,029.63 which seems pretty fucking on point for a fucking estimate. She then immediately wanted to know how I planned to pay.

As soon as I said that yes I did in fact have Insurance that when things became blatantly obvious. She then asked What Company and then asked for My Policy Number.

After that She asked Me to please hold on a second. Apparently the Hospital has some fucking Software or fucking Alga Rhythm that She ran the Estimated Bill to hypothetical see how much My Insurance would approximately cover.

She then informed me I had “Out of Pocket Expenses” to the tune of $2,500, and could I possibly pay it in full right then and there. I was quite pissed off.

I told this Woman that I scheduled the Procedure 6 goddamn weeks ago, and they decide to call me the DAY BEFORE THE SURGERY, and harass the the holy hell out of me for as much money as fucking humanly possible. Surprisingly the Woman acted the Bitch and din’t even acknowledge my previous statement.

I told her I wasn’t going to give them a fucking dime, and I did’t appreciate the greedy bastards demanding money BEFORE DOING A DAMN THING. I informed her I was going to contact My insurance company as soon as I hung up with her which I promptly did.

I called My Insurance Company and explained what the hell had just happened. I told the Customer Representative I was confused. She told me she had never heard of such a phone call before (and she has been working in the Health Insurance Field for 26 fucking years)

She went on to explain that the Hospital can’t bill me for shit since they hadn’t submitted an itemized bill to them. I reminded her that the Woman I spoke with acted like if I busted out My Credit Card she would have gladly taken the payment on the spot. To which the Insurance Lady said that it sounded like they calculated what I might owe due to Out of Pocket Expenses. Which Ironically I was informed was $1,300 which is $1,200 LESS THAN THE HOSPITAL WOMAN TRIED TO BILL ME FORM/COLLECT.

I then inquired to what the fuck Out of Pocket expenses were since I was a customer of theirs and had met My Deductible many, many months ago. I was then educated a bit more in the corrupt World of Health Insurance Companies.

Even though I had indeed met My normal deductible the Insurance Company had My Second Surgery categorized in such a way that I had this “Out of Pocket” bullshit or in reality it was a second and separate Deductible. Health Insurance Companies are a fucking Scam run by Greedy fucking Big Businesses that are People for Profit.

So in conclusion in spite of their Sunny Advertisements or in Hospital Poster Propaganda (with Happy Babies, Smiling Senior Citizens, Confident Doctors and al the usual Hospital hype) absolutely and totally

DON’T GIVE A FLYING FUCK ABOUT PATIENTS. They are SOLEY FOR PROFIT BIG BUSINESSES.

When It Comes to Modern Medicine its simple PAY OR SUFFER/DIE.

Thanks for Reading,   By Les Sober