Tag: medical field

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

Your Health Insurance is Financially Raping You To Death

The Fairytale History of Health Insurance:

Health Insurance would provide a service where the client sends in Monthly checks for your entire life. When the client needs, Hospitalization, Surgery, ER Emergency, Illness, Doctor Visits, Specialists, Medications etc. the insurance company uses the clients money to cover any medical issue. Of course the Health Insurance Companies would charge a reasonable fee for their services since they deal directly with your doctors and medical institutions.

What The Hell Happened?

Health Insurance Companies realized the more money the refused to pay the richer they became, and they sold their souls to the Deity of the Dollar.    The Health Insurance Companies started restricting its coverage, constantly increasing rates, and finding ways TO NOT PAY YOUR CLAIM.

Health Insurance Companies employ a whole fucking department of people who’s only job is to review client claims and FIND ANY REASON/LOOPHOLES so your Healthcare Provider WON’T HAVE TO PAY YOUR CLAIM, essentially doing the opposite of its intended purpose.

Seriously the Health Insurance’s business model wouldn’t work for any other business because people wouldn’t use it and it’d go bankrupt. What other industry or company or product maker raises their prices periodically all year, every year WHILE REDUCING THE SERVICES.

Would you tolerate your local grocery store say constantly increasing the price of Milk for instance and at the same time giving you less milk for your money. If your grocer continued raising the price of a gallon of Milk from today’s current price of $2.25 up to$3.75 ,and then a month later to $6.00 and then $7.99 next month and so on all year long. BUT not only is your grocer raising the price but SIMULTANEOUSLY your grocer would be giving less Milk for the Money. See as the price goes up you’d get less Milk at first it be just a little under a gallon then 2/3 of a gallon, and then only half a gallon at newly inflated GALLON Milk prices.

Then there’s The Deductible which is one of the greatest and greediest scams in Health Insurance History. The deductible works as follows. You pay a set amount of money out of your own pocket for your medical care WHILE SENDING A CHECK EVERY MONTH TO YOUR HEALTH INSURANCE PROVIDER. Can you say “Legal Double Billing”?! That be the equivalent of taking your car to your mechanic and he makes you fix the car yourself (using your labor and cash for needed parts) and then giving you a bill for the repair. ITS FUCKING INSANE THAT PEOPLE PUT UP WITH THIS CORRUPT CAPITALISTIC GREED LIKE THIS EVERY DAY.

I will once again use a Bullet Point format for the rest.

  1. My Aunt Ellington needed a hip replacement, and put it off for years in spite of the fact they she had what is considered a good health care provider. She asked me politely not to name the Health Insurance Company and out of respect for her I won’t. She knew the out of pocket would be a significant amount of money. She finally had the surgery and it cost a total of $117,000. Her insurance company paid only $17,000 leaving her with a $100,000 in medical bills, AND THEY STILL WANTED THEIR MONTHY PAYMENTS.
  2. I had a best friend in high school named Brooklyn Billy Bob who I still talk to sporadicly to this day. Right before I met Brooklyn Billy Bob his family had just moved in with his grandmother not by choice but necessity. The family didn’t have a lot of money to speak of. During the long moving process Brooklyn Billy Bob’s dad, who had a serious health issue pertaining to his heart, couldn’t afford his heart medication. As a result Brooklyn Billy Bob’s dad DIED because he couldn’t pay for his LIFE SAVING MEDICATION.
  3. Pharmaceutical companies who work hand in hand with your Health Insurance Company DO NOT CREATE CURES, THEY CREATE CLIENTS. Think for a second on how the Pharmaceutical companies are COMMERCIALIZING YOUR HEALTH FOR PROFIT.
  4. Lets not forget the American Government whose politicians make MILLIONS on Health Insurance and Pharmaceutical companies Lobbyists HAVE INSTATED A $2,500 YEARLY FINE if you DON’T have (lets be honest its if you don’t pay for) Health Insurance.
  5. When I went to rehab for a vicious heroin addiction which SAVED MY LIFE my Doctor had to call/talk to my Health Insurance Provider DAILY because they wanted to booted out asap so they wouldn’t have to pay any more claims. My Doctor had to LIE TO HELP SAVE MY LIFE. Each day my doctor got on the phone with my Health Insurance Provider and had to lie so I didn’t get kicked out because my Health Insurance Provider didn’t want to pay to cover my again LIFE SAVING treatment. My Doctor was smart he knew I COULDN’T be removed from Rehab IF i was either SUICIDAL or HOMICIDAL (the rule is simply you can’t be taken out of treatment for Insurance reasons if your a threat to yourself or others). My Doctor did this dance for 17 days and I did end up getting released early because of the bullshit with my Health Insurance Provider (who ultimately got what they wanted which was ending treatment asap)
  6. EVEN WORSE my Wife is an RN who works in the Drug Addiction field and the Insurance vs. Rehab War continues. Since the dawn of Drug Rehab Health Insurance companies have been trying with all their financial might to DENY ALL ADDICTS LOOKING FOR HELP. The Insurance Companies HATE REHAB because unfortunately addicts relapse and may need more help to stay clean and healthy. Insurance claims this “Revolving Door” of the Rehab field justifies NOT PAYING ANYONES REHAB CLAIMS EVER AGAIN. The war has raged for decades, BUT finally the Insurance Companies have started to win. They have rearranged protocols in their favor. Example there is a treatment evaluation used when a patient is admitted to a rehab that gauges their current physical health from 1-10 with 10 being the worst. The Insurance companies have announced that if a patient comes in to be admitted if their symptoms are 1-5 THEY AREN’T PAYING because in their opinion aren’t in actual need of medical help. They are also making medical institutions write EVER THING in a patients medical chart 3 requiring the ENTIRE treatment teams signatures. This is a way to encourage little mistakes by the staff that the Insurance Companies can then use to DENY THE PATIENT CARE. This will create a massive social problem. If drug addicts can’t get help the keep using, and if they keep using they keep lying, cheating, stealing, robbing and scaring to feed their habit before it ends their life prematurely. Its bad enough our prisons are over crowed due to drug offenses (such as possession) that has created a over crowding situation. This over crowding allows NEW OR REPEAT VIOLENT OFFENDERS being brought into the prison system to be released extremely early because there is no place to put them. The fact is drug addicts should be sentenced to Rehab NOT PRISON, Addiction is called a disease BUT its actually a treatable Metal Disorder.
  7. One thing a that baffles me in the Health Insurance field is they DON’T PROVIDE FERTILITY COVERAGE FOR WOMAN OR MEN. The Insurance Companies will chip in once a woman is pregnant. WHATS WEIRD is Health Insurance Companies are GREEDY AS FUCK so why wouldn’t they cover fertility?! MY POINT if a couple has a kid then the kids going to need Health Insurance and thus get added to their parents policy and then at 18 they have to pay for their own policy. So kids equal customers and customers equal cash.
  8. When I had Hepatitis C which if untreated will end your life painfully and prematurely I saw a Specialist who was a fucking godsend, a miracle in the form of a man. There at the time I was seeking treatment a slew of new and more effective Hep-C drugs hitting the market. It was because the FDA was pumping cash into the Hep-C drugs after they announced the #1 health problem facing America was Liver Transplants. My Doctor researched EVERY drug and decided one a 2 medication combo that had virtually NO SIDE EFFECTS (up till VERY recently the only treatment for Hep-C was Interferon injections which have the identical side effects as Chemotherapy causing a whopping 91% of prior patients to end treatment before completing the course of Interferon ) AND IT COULD CURE HEP-C as opposed to possibly wrestling it into submission like Cancer. Well no surprise my Health Insurance Provider wasn’t at all happy about my treatment plan. My Specialist called my Health Insurance Provider and managed to get them to clear his treatment plan for me by USING THEIR GREED AGAINST THEM. His argument simply was this by biting the bullet and paying for my treatment NOW then I’d live a full lifetime which meant my Health Insurance Provider would continue to get monthly checks much longer. Bottomline Dead People DON’T FUCKING PAY FOR HEALTH INSURANCE HEALTHY PEOPLE DO.
  9. JUST YESTERDAY I went to my local pharmacy to pick up my medication and was told the price was $131.00 when I was paying $10 with my HUMANA Insurance plan. The Pharmacist told me my  HUMANA insurance card expired so I thought it was no big deal I’d just have to order a new one. I called  HUMANA my Insurance Provider as soon as I got home, and the representative informed me my Health Insurance had been CANCELLEd AS OF JANUARY 31ST.. I’ve been with that Insurance company 14-15 years and NEVER missed a single payment. So as you can image I was in a state of shock, awe and serious confusion. I asked the representative why and he proceeded to duck my question for an hour before finally coming up with this statement “HUMANA is NO LONGER providing the plan I was insured under in my area.” I asked him what the fuck that meant as thats not a proper answer and to me made no fucking sense at the time. Again he would answer fully and just kept repeating his “NO LONGER IN YOUR AREA” statement so I hung the fuck up. I immediately called back and asked the second representative the question of what the previous statement meant. She had no problem answering me and said with out a pause “HUMANA IN FACT HAD DECIDED TO NOT INSURE ANYONE ANY MORE IN MY ENTIRE STATE.” This means 100’s of thousands or more people LOST THEIR HUMANA/HUMANA ONE HEALTH INSURANCE COVERAGE BY NO FAULT OF THEIR OWN. Bottomline HUMANA/HUMANA ONE decided to stop providing coverage for the ENTIRE STATE because it was a “High Claims State” and what do Health Insurance Companies hate? Yup PAYING YOUR HEALTH INSURANCE CLAIMS.
  10. SHOP AROUND! While Health Insurance is a Scam based on FEAR and GREED you should opt for the lesser of all the evils, and by evils I mean the Health Insurance Companies. I got dropped by HUMANA due to HUMANA’S GROWING NEED FOR GREED, but in the end I got NEW plan with BLUE CROSS BLUE SHIELD with not only the SAME COVERAGE for LESS MONEY and FULL DENTAL & OPTICAL which I never had with HUMANA/HUMANA ONE.

In Summation the Salvation of Health lies in Social Medicine. I know back in the early days when the American politicians where debating The Affordable Care Act the greedy unethical and immoral GOP launched a propaganda campaign demonizing social medicine. The claims the Republicans made WERE ABSOLUTELY FALSE it was a blatant fear tactic to scare the American public into submission and it worked. Why did it work so well?

Americans believe whatever they hear now a days instead of thinking about them first. A pivotal point in the propaganda was social medicine would increase taxes, BUT IF the American public had stopped and done the math they would easily see the tax would be FAR LESS THEN THE CURRENT PRIVATE HEALTH INSURANCE COVERAGE.

If you remember my Aunt got stuck with $100,000 medical bill AFTER HER HEALTH INSURANCE PAID THEIR PART ($17,000 out of at total cost of $117,000) SO I ask you which costs more a tax increase or a $100,000 medical bill after being fucked over by your Health Insurance Provider?!

Its unAmerican that Capitalism now dictates your health care. You pay or you SUFFER and you pay or you DIE. We have the doctors, facilities, treatments, and medications that could help heal people BUT we will let them SUFFER AND DIE because MONEY IS MORE IMPORTANT THAN PEOPLE.