Forum Discussion
John_Joey
Sep 07, 2015Explorer
BarbaraOK wrote:John&Joey wrote:
LOL...Tequila.
At 65 a US person doesn't get free health coverage. Just up to an amount the government will pay, anything over is our responsibility. Last winter was a park benefit for someone that was going broke with physical therapy that wasn't covered. We also do not get assisted living beyond a month, after that it's our cost . Of course we can buy insurance to cover the gap for both.
I guess your and mine Medicare are different. Once Medicare approves a charge, they pay 80% and then the patient pays the other 20% or their supplemental insurance pays that. You never pay more than the 20% of what Medicare determines is the appropriate fee, no matter what the original charge was, assuming that you are going to a physician/hospital that accepts Medicare patients.
Or am I missing something?
Barb
What you are stating is what is known as "consignment." A doctor does not have to follow those rate structures. They can charge whatever they want and the person will have to come up with the rest. I'm guessing you have extra insurance. Next time you go into the hospital ask only for SS "consignment" rates and see how far you get.
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