other than normal doctor’s office visits, i have no idea what i’m going to pay when i get a small procedure done.
a basic heart ultrasound cost me over $1k while my vasectomy cost me a $60 copay. i was expecting those prices to be flipped.
and don’t get me started on labs. i’ve gotten bills for basic screens years later for thousands of dollars.
you can’t shop around if you don’t know what you’ll pay until months after it happens. if you call the insurance company beforehand you wait on a static filled line with a call center in india, and even with the CPT code they can’t give you a straight answer.
They don't know. Nobody does until the bill is processed. There are a thousand factors that might affect your coverage. This is the nightmare I'm living through right now. Even if you have the code and doctor and patient the help desk at the insurance company can't say for sure if they will cover it or not. That comes down to the discretion of the claims adjuster. You won't know if something is going to cost $100 or $10,000 until after it is done.
The provider or the insurance company? The provider can give you the cash price, but that's a made up number with no relation to reality. The Insurance company can give you what the standard discount would be on that procedure, but they can't say if they'll cover it, give only that discount, give nothing, or anything in between.
if you ask the provider you will eventually get burned. they can only give you the cash price as a backstop.
if you ask the insurance company you’ll never get an answer. providers are usually more helpful about what “should be covered”, but that’s not guaranteed.
seems like prior authorization is the only way to really make sure charges are covered but takes forever. but even then, if your insurance covers $x and they bill $y, you might get a balance bill in the mail.
point is, the market is heavily skewed against the consumer.
> So you, as an important businessman, are deserving of the overhead luggage space, but the casual riff-raff should stuff their belongings around their feet?
lol what? where does he say anything about needing special treatment? everyone's in the same overhead bin lottery unless you paid for business class or whatever.
i do exactly what the parent comment said as well. you're allowed a carryon and a small backpack. you put the carryon overhead and stuff your backpack at your feet. you either sit on your jacket or stuff it in your bag before you board. important stuff (work laptop, house keys) stays in the backpack and always with you. sometimes they force you to gate check your bag, which is not ideal but fine. keep the backpack.
i traveled a medium amount for work and ended up getting a soft sided duffel. for full flights they start calling for gate checking carryons before they even start boarding. i think this is mostly to save time though, even if there was enough overhead space. i noticed you get preferential treatment with a duffel and several times where they'd let me through but make the person in front of or behind me gate check their bags if they were rollers, even though the bins were "full".
if work was paying i tried to only book direct flights. then i could gate check my bag, board last, and spend as little time crammed on the plane as possible. but my preference was to do carryon as well to save time, especially if there was a connection.
a basic heart ultrasound cost me over $1k while my vasectomy cost me a $60 copay. i was expecting those prices to be flipped.
and don’t get me started on labs. i’ve gotten bills for basic screens years later for thousands of dollars.
you can’t shop around if you don’t know what you’ll pay until months after it happens. if you call the insurance company beforehand you wait on a static filled line with a call center in india, and even with the CPT code they can’t give you a straight answer.
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