It’s time for me to get my annual mammogram at the for-profit HCA/Centennial, which means it’s time for my annual rant about our for-profit healthcare system. I blogged about my experience last year, in which I was offered an opportunity to pay for the service out of pocket upfront, at no discernible benefit to me because it’s all going to be paid by my insurance anyway.
So this year I got the same “give me my money” phone call, which they laughably call “pre-registration.” I give them my name and address and other contact info (which they already have because it’s in their system) and then I get the rigamarole about how much the service will cost — this time she’s clear to say it’s “because my insurance hasn’t been verified.” Last year, they just told me the service would be $150. So I’m glad they’re at least clarifying the insurance angle. But still, I’m supposed to do what, exactly, with this information? Start selling off the family heirlooms? I have insurance, mammograms are covered, now go away, please.
And then 24 hours later I get yet another phone call from the same person who “pre-registered” me yesterday, to say my insurance has been verified. Which you’d think would be good news, but in HCA Land, it’s actually another opportunity for them to try to get my money. For a 20% discount, I can pay now! Yes, that’s actually the deal I was offered. I can pay for the service at 20% off now, or I can do nothing and my insurance company will pay the full price (repriced, but whatevs). I mean, my insurance pays 100%.
I mean, seriously, people? WTF? Why not just lower your prices 20% and then we can all reap the reward of lower insurance premiums?
I cannot believe this is going on.
Mr. Beale is furious. He wants to know, if I do pay now at the 20% discount, and then BlueCross/BlueShield remimburses at 100%, who gets that extra 20%? HCA?