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My wife’s story: Anatomy of an insane health care billing system

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By Carl C. Schuessler

Recently, my wife went to the doctor with stomach issues.  The doctor recommended a simple diagnostic test called a HIDA scan.  We have an HSA high-deductible health insurance plan with a $6,450 deductible, meaning we would be paying for the procedure out-of-pocket until our deductible was met.

Before my wife left the doctor’s office, she asked the receptionist what she thought was a simple question: “How much is this going to cost?”

The receptionist had no idea — and she had no way to check.  She looked at my wife like it was an unreasonable question.  A manager contacted a third-party billing agency to get her a quote, which ended up being nothing close to what we actually paid in the end.

Economic models assume participants have perfect information.  In reality, they often have no information whatsoever.

Read the full article at Benefits Pro.

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