在美国看病是一件需要斗智斗勇的事，在 the American Sickness 这本书里面，作者专门讲过该怎样避免 surprise bill，下面是看病时需要做的 checklist: - several questions to ask in doctors office - How much will this test/surgery/exam cost? "I don''t know" or "It depends on your insurance" is not an answer. If not sure about the cost, check Appendix A - Which blood test are you ordering? What X-ray? Why? - Are there cheaper alternatives that are equally good, or nearly so? - Where will this test/ surgery/ exam be performed--- at the hospital, at a surgery center, or in the office--- and how does the place impact the price? Doctors often practice and do procedures in different places on different days of the week. - Who else will be involved in my treatment? Will I be getting a separate bill from another provider? Can you recommend someone in my insurance network? - Things to do in the hospital - Hospitals have built a huge oversupply of private rooms, though insurers frequently won''t cover their cost. If you are assigned to a private room, make it clear that you did not request it and would be happy to occupy a room with another patient. - In the pages of admitting documents you''ll have to sign, there is inevitably one concerning your willingness to accept financial responsibility for charges not covered by your insurer. Before you sign, write in "as long as the providers are in my insurance network." You don''t mind paying the required co-payments or deductibles but not out-of-network charges. For every medical encounter, Olga Baker, the San Diego lawyer, adds a "limited consent" clause to the chart, indicating that "consent is limited to in-network care only and excludes out-of-network care." It has worked well for her and, at the very least, this annotation will give you a basis for arguing later. If documents are on iPad, request a printed version. - If you''re feeling well enough, ask to know the identity of every unfamiliar person who appears at your bedside, what he or she is doing, and who sent him or her. - If the hospital tries to send you home with equipment you don''t need, refuse it, even if it''s "covered by your insurance." - Dealing with bills - If you receive an outrageous bill from a hospital, a testing center, or a medical office, don''t wait--- negotiate! Prices are so inflated that even low-level clerks are often authorized to approve major discounts. - When a hospital bill arrives in the mail, request complete itemization. An itemized bill is your right. - Check the bill against the notes you made while you were in the hospital. - Protest bills in writing to create a record. Send a copy of your letter to a reporter at your local newspaper and the state insurance commissioner or consumer protection bureau. - Argue against surprise out-of-network bills, saying you were not informed of the out-of-network status of these providers and did not consent to them participating in your care. (See appendix E for some templates for protest letters) 这本书建议全文看一遍（包括附录），里面讲了很多医疗费用的悲剧故事和一些隐藏的收费陷阱
asgardWr 发表于 2024-05-10 08:58 在美国看病是一件需要斗智斗勇的事，在 the American Sickness 这本书里面，作者专门讲过该怎样避免 surprise bill，下面是看病时需要做的 checklist: - several questions to ask in doctors office - How much will this test/surgery/exam cost? "I don''t know" or "It depends on your insurance" is not an answer. If not sure about the cost, check Appendix A - Which blood test are you ordering? What X-ray? Why? - Are there cheaper alternatives that are equally good, or nearly so? - Where will this test/ surgery/ exam be performed--- at the hospital, at a surgery center, or in the office--- and how does the place impact the price? Doctors often practice and do procedures in different places on different days of the week. - Who else will be involved in my treatment? Will I be getting a separate bill from another provider? Can you recommend someone in my insurance network? - Things to do in the hospital - Hospitals have built a huge oversupply of private rooms, though insurers frequently won''t cover their cost. If you are assigned to a private room, make it clear that you did not request it and would be happy to occupy a room with another patient. - In the pages of admitting documents you''ll have to sign, there is inevitably one concerning your willingness to accept financial responsibility for charges not covered by your insurer. Before you sign, write in "as long as the providers are in my insurance network." You don''t mind paying the required co-payments or deductibles but not out-of-network charges. For every medical encounter, Olga Baker, the San Diego lawyer, adds a "limited consent" clause to the chart, indicating that "consent is limited to in-network care only and excludes out-of-network care." It has worked well for her and, at the very least, this annotation will give you a basis for arguing later. If documents are on iPad, request a printed version. - If you''re feeling well enough, ask to know the identity of every unfamiliar person who appears at your bedside, what he or she is doing, and who sent him or her. - If the hospital tries to send you home with equipment you don''t need, refuse it, even if it''s "covered by your insurance." - Dealing with bills - If you receive an outrageous bill from a hospital, a testing center, or a medical office, don''t wait--- negotiate! Prices are so inflated that even low-level clerks are often authorized to approve major discounts. - When a hospital bill arrives in the mail, request complete itemization. An itemized bill is your right. - Check the bill against the notes you made while you were in the hospital. - Protest bills in writing to create a record. Send a copy of your letter to a reporter at your local newspaper and the state insurance commissioner or consumer protection bureau. - Argue against surprise out-of-network bills, saying you were not informed of the out-of-network status of these providers and did not consent to them participating in your care. (See appendix E for some templates for protest letters) 这本书建议全文看一遍（包括附录），里面讲了很多医疗费用的悲剧故事和一些隐藏的收费陷阱
While certain unpaid medical debt in collections can negatively impact your credit score, starting March 31, 2023, the credit reporting agencies will no longer include medical collections under $500 on your credit report—so those accounts won't hurt your credit. Paid medical collections do not appear on your credit reports at all, but larger unpaid medical collection balances can cause a credit score decrease. Here's what to know about the effects of medical debt on your credit. 这是我在Experian官网查到的。最近被牙医坑了，打电话问了是说take我们的保险，结果out of network, 账单是保险协议价的五倍。 另外，经常听说现金价比保险后还便宜，但我这里情况不是，我问到的都是走保险打折后再自费更便宜
lucy2020 发表于 2024-05-11 08:08 While certain unpaid medical debt in collections can negatively impact your credit score, starting March 31, 2023, the credit reporting agencies will no longer include medical collections under $500 on your credit report—so those accounts won't hurt your credit. Paid medical collections do not appear on your credit reports at all, but larger unpaid medical collection balances can cause a credit score decrease. Here's what to know about the effects of medical debt on your credit. 这是我在Experian官网查到的。最近被牙医坑了，打电话问了是说take我们的保险，结果out of network, 账单是保险协议价的五倍。 另外，经常听说现金价比保险后还便宜，但我这里情况不是，我问到的都是走保险打折后再自费更便宜
我们州是政府的保险管理局Insurance Administration的Lift and Health Unit 然后本州的检察总长办公室Office of Attorney General 有设立一个消费者保护部门Consumer Protection Division，这个部门有一个分支是专门协助民众如何向保险管理局投诉 我跟消费者保护部门联系以后，工作人员比较明确的表示这个违反No Surprises Act，如果资料真实的话一定是胜算。我觉得这两个政府部门以及保险公司之间可能已经很熟悉了，它们的工作人员会直接联系，所以我还没有正式向保险管理局投诉，医保账号里的账单就改了。我猜这些保险公司并不希望看到自己被投诉并败诉在政府部门留下记录。
mtwash 发表于 2024-05-11 13:39 我们州是政府的保险管理局Insurance Administration的Lift and Health Unit 然后本州的检察总长办公室Office of Attorney General 有设立一个消费者保护部门Consumer Protection Division，这个部门有一个分支是专门协助民众如何向保险管理局投诉 我跟消费者保护部门联系以后，工作人员比较明确的表示这个违反No Surprises Act，如果资料真实的话一定是胜算。我觉得这两个政府部门以及保险公司之间可能已经很熟悉了，它们的工作人员会直接联系，所以我还没有正式向保险管理局投诉，医保账号里的账单就改了。我猜这些保险公司并不希望看到自己被投诉并败诉在政府部门留下记录。
asgardWr 发表于 2024-05-10 08:58 在美国看病是一件需要斗智斗勇的事，在 the American Sickness 这本书里面，作者专门讲过该怎样避免 surprise bill，下面是看病时需要做的 checklist: - several questions to ask in doctors office - How much will this test/surgery/exam cost? "I don''t know" or "It depends on your insurance" is not an answer. If not sure about the cost, check Appendix A - Which blood test are you ordering? What X-ray? Why? - Are there cheaper alternatives that are equally good, or nearly so? - Where will this test/ surgery/ exam be performed--- at the hospital, at a surgery center, or in the office--- and how does the place impact the price? Doctors often practice and do procedures in different places on different days of the week. - Who else will be involved in my treatment? Will I be getting a separate bill from another provider? Can you recommend someone in my insurance network? - Things to do in the hospital - Hospitals have built a huge oversupply of private rooms, though insurers frequently won''t cover their cost. If you are assigned to a private room, make it clear that you did not request it and would be happy to occupy a room with another patient. - In the pages of admitting documents you''ll have to sign, there is inevitably one concerning your willingness to accept financial responsibility for charges not covered by your insurer. Before you sign, write in "as long as the providers are in my insurance network." You don''t mind paying the required co-payments or deductibles but not out-of-network charges. For every medical encounter, Olga Baker, the San Diego lawyer, adds a "limited consent" clause to the chart, indicating that "consent is limited to in-network care only and excludes out-of-network care." It has worked well for her and, at the very least, this annotation will give you a basis for arguing later. If documents are on iPad, request a printed version. - If you''re feeling well enough, ask to know the identity of every unfamiliar person who appears at your bedside, what he or she is doing, and who sent him or her. - If the hospital tries to send you home with equipment you don''t need, refuse it, even if it''s "covered by your insurance." - Dealing with bills - If you receive an outrageous bill from a hospital, a testing center, or a medical office, don''t wait--- negotiate! Prices are so inflated that even low-level clerks are often authorized to approve major discounts. - When a hospital bill arrives in the mail, request complete itemization. An itemized bill is your right. - Check the bill against the notes you made while you were in the hospital. - Protest bills in writing to create a record. Send a copy of your letter to a reporter at your local newspaper and the state insurance commissioner or consumer protection bureau. - Argue against surprise out-of-network bills, saying you were not informed of the out-of-network status of these providers and did not consent to them participating in your care. (See appendix E for some templates for protest letters) 这本书建议全文看一遍（包括附录），里面讲了很多医疗费用的悲剧故事和一些隐藏的收费陷阱
asgardWr 发表于 2024-05-10 08:58 在美国看病是一件需要斗智斗勇的事，在 the American Sickness 这本书里面，作者专门讲过该怎样避免 surprise bill，下面是看病时需要做的 checklist: - several questions to ask in doctors office - How much will this test/surgery/exam cost? "I don''t know" or "It depends on your insurance" is not an answer. If not sure about the cost, check Appendix A - Which blood test are you ordering? What X-ray? Why? - Are there cheaper alternatives that are equally good, or nearly so? - Where will this test/ surgery/ exam be performed--- at the hospital, at a surgery center, or in the office--- and how does the place impact the price? Doctors often practice and do procedures in different places on different days of the week. - Who else will be involved in my treatment? Will I be getting a separate bill from another provider? Can you recommend someone in my insurance network? - Things to do in the hospital - Hospitals have built a huge oversupply of private rooms, though insurers frequently won''t cover their cost. If you are assigned to a private room, make it clear that you did not request it and would be happy to occupy a room with another patient. - In the pages of admitting documents you''ll have to sign, there is inevitably one concerning your willingness to accept financial responsibility for charges not covered by your insurer. Before you sign, write in "as long as the providers are in my insurance network." You don''t mind paying the required co-payments or deductibles but not out-of-network charges. For every medical encounter, Olga Baker, the San Diego lawyer, adds a "limited consent" clause to the chart, indicating that "consent is limited to in-network care only and excludes out-of-network care." It has worked well for her and, at the very least, this annotation will give you a basis for arguing later. If documents are on iPad, request a printed version. - If you''re feeling well enough, ask to know the identity of every unfamiliar person who appears at your bedside, what he or she is doing, and who sent him or her. - If the hospital tries to send you home with equipment you don''t need, refuse it, even if it''s "covered by your insurance." - Dealing with bills - If you receive an outrageous bill from a hospital, a testing center, or a medical office, don''t wait--- negotiate! Prices are so inflated that even low-level clerks are often authorized to approve major discounts. - When a hospital bill arrives in the mail, request complete itemization. An itemized bill is your right. - Check the bill against the notes you made while you were in the hospital. - Protest bills in writing to create a record. Send a copy of your letter to a reporter at your local newspaper and the state insurance commissioner or consumer protection bureau. - Argue against surprise out-of-network bills, saying you were not informed of the out-of-network status of these providers and did not consent to them participating in your care. (See appendix E for some templates for protest letters) 这本书建议全文看一遍（包括附录），里面讲了很多医疗费用的悲剧故事和一些隐藏的收费陷阱
mtwash 发表于 2024-05-11 13:39 我们州是政府的保险管理局Insurance Administration的Lift and Health Unit 然后本州的检察总长办公室Office of Attorney General 有设立一个消费者保护部门Consumer Protection Division，这个部门有一个分支是专门协助民众如何向保险管理局投诉 我跟消费者保护部门联系以后，工作人员比较明确的表示这个违反No Surprises Act，如果资料真实的话一定是胜算。我觉得这两个政府部门以及保险公司之间可能已经很熟悉了，它们的工作人员会直接联系，所以我还没有正式向保险管理局投诉，医保账号里的账单就改了。我猜这些保险公司并不希望看到自己被投诉并败诉在政府部门留下记录。
- several questions to ask in doctors office
- How much will this test/surgery/exam cost? "I don''t know" or "It depends on your insurance" is not an answer. If not sure about the cost, check Appendix A
- Which blood test are you ordering? What X-ray? Why?
- Are there cheaper alternatives that are equally good, or nearly so?
- Where will this test/ surgery/ exam be performed--- at the hospital, at a surgery center, or in the office--- and how does the place impact the price? Doctors often practice and do procedures in different places on different days of the week.
- Who else will be involved in my treatment? Will I be getting a separate bill from another provider? Can you recommend someone in my insurance network?
- Things to do in the hospital
- Hospitals have built a huge oversupply of private rooms, though insurers frequently won''t cover their cost. If you are assigned to a private room, make it clear that you did not request it and would be happy to occupy a room with another patient.
- In the pages of admitting documents you''ll have to sign, there is inevitably one concerning your willingness to accept financial responsibility for charges not covered by your insurer. Before you sign, write in "as long as the providers are in my insurance network." You don''t mind paying the required co-payments or deductibles but not out-of-network charges. For every medical encounter, Olga Baker, the San Diego lawyer, adds a "limited consent" clause to the chart, indicating that "consent is limited to in-network care only and excludes out-of-network care." It has worked well for her and, at the very least, this annotation will give you a basis for arguing later. If documents are on iPad, request a printed version.
- If you''re feeling well enough, ask to know the identity of every unfamiliar person who appears at your bedside, what he or she is doing, and who sent him or her.
- If the hospital tries to send you home with equipment you don''t need, refuse it, even if it''s "covered by your insurance."
- Dealing with bills
- If you receive an outrageous bill from a hospital, a testing center, or a medical office, don''t wait--- negotiate! Prices are so inflated that even low-level clerks are often authorized to approve major discounts.
- When a hospital bill arrives in the mail, request complete itemization. An itemized bill is your right.
- Check the bill against the notes you made while you were in the hospital.
- Protest bills in writing to create a record. Send a copy of your letter to a reporter at your local newspaper and the state insurance commissioner or consumer protection bureau.
- Argue against surprise out-of-network bills, saying you were not informed of the out-of-network status of these providers and did not consent to them participating in your care. (See appendix E for some templates for protest letters)
这本书建议全文看一遍（包括附录），里面讲了很多医疗费用的悲剧故事和一些隐藏的收费陷阱
你不还还能如何？？
防范于未然，与其想着怎么应对，不如把精力放在预防高额账单上，医生也是挑软柿子捏，看你这么难搞就不太会搞你了
楼主和你说的都对，两手都要有
一方面要有经验，另一方面再有经验，但没有法律的护航也是白费力气
今年我家老人遇到一个账单被医保拒付，8000多美元，怎么appeal都没用。既然法律明订的规则你保险公司都不遵守，那么就用法律做武器好了。最后一个电话投诉到州的相关部门，打通电话几个小时后账单就缩小到129美元了，医保也突然认为这应该报销了。
医生故意欺骗耽误你诊断治疗的概率远远大于 多收你钱的概率。
一般应该是看都不看扔垃圾桶 和马上交了
克林顿， 奥巴马， 前赴后继， 也就搞成了巴马 care, 以狗屁党为主的愚民们实力太过强大， 太难了。
资本家洗脑太厉害了。
我原来在一家财富500的大科技公司工作，subscribe 了一个email群，基本上是工程师为主，一次一个话题讨论了 good RX买药品比保险自付额便宜（那个时候不是High deductible plan, 可以这么搞），顺带就扯到了 医疗保险问题，有人跳出来 single player, 国家应该控制。
结果几乎一边倒支持现在的医疗体系自由市场竞争. 😂 很多人给上升到了 资本主义 vs 社会主义 制度优越感上，另可要资本主义的草，也不要社会主义的苗的哲学高度。一边使劲抱怨医疗制度贪得无厌，一年认为不能引入任何社会主义的苗，比如single player的医疗制度。这些还是有点自己主义的工程师，很多中老年人，教育程度远超普通美国人的。
那次观战还有一个感受就是绝对不相信政府。这一点上，我就觉得倒是make sense.
这样就无解，反对政府控制医疗资本家吸血，那就只能被医疗资本家毫无顾地吸血。
整个美国就是建立在假定政府邪恶的基础上，普通民众反对政府参与。医疗资本也是利用了这一点，让政府参不进来，这样毫无估计血盆大口。
但是很双标的是，政府也参与了老年人的 single player Medicare system. 被逼着参与，因为自由的医疗资本市场市场价格老年人根本买不起保险。 医疗资本逼着政府负责给老年人才屁股，政府找打工人收税，内部互相帮助，中产打工者买单。
总之，资本不受外界力量约束，到了巨头阶段，大家一起涨价就行。
资本把政府变成了傀儡，唯资本独尊，资宣部控制了媒体、洗脑润物细无声，任何对他们不利的提议、都是反对资本主义国本的地步，他大众恐惧政府参与， 自我标榜+恐吓组合拳完美结合。
只有疫情大通涨多来几次，让大众受不了被医疗吸血，和其它各种吸血，大众才会觉醒资本吸血，首代表医疗吸血制度是个问题。因为光抱怨也没啥用。
最后一个电话投诉到州的相关部门，打通电话几个小时后账单就缩小到129美元了，医保也突然认为这应该报销了。
～～～～～～～～～～～～～～～～～～～～～ 赞同。我一般都是先和医疗机构打电话，记录下来对方姓名，case number, 收集一下资料，直节转寄给州监管部门投诉。
这个方法最有效。亲测过。
美国就是这样一个社会，没有这些基本的生存技能，你就是那道 table menu item。
医疗差不多是第一民生问题了， 全球除了办不到的，美帝是唯一一个纯私人医疗的国家，真是愚昧至极阿。 还有枪支问题，都要感谢这些愚民。脑仁里生虫了。
能列出 这本书 的 Amazon link 吗？ 想买一本，不想买错。
因为是暴发户，金融吸血世界，航母自由航行全世界，搞垮了竞争对手，资本力量毫无制约。
顺带给普通民众喝了汤，那就医疗吸血回去，这个你无处可逃，也无法降级。
房租子可以住小一点，便宜的地方去逃，学校可以去差一点，不上大学，大房子和高学历不是真正刚需。但是医疗不是这样。移民一代逃离医疗吸血还有临时退路可逃个几年，二代没有任何可能，还会被洗脑成觉得本来就该使劲拉磨一辈子，同时持续被医疗资本吸光血是天经地义的。哎😑
美眉能告诉一下给什么相关部门打电话吗？如果有英文名称更好。我最近也面临同样的问题，愁死了
投诉到的部门叫什么名字啊？
我搜了一下，不知道是不是这本。看个病，还需要提心吊胆预防各种保险大坑，太烦了。
https://www.amazon.com/An-American-Sickness-audiobook/dp/B06XDG67T9/ref=mp_s_a_1_1?adgrpid=64541029188&dib=eyJ2IjoiMSJ9.XbBuo7uQ6t2qBvWLmKxAtFHtTo-VDEd6-Pyk3QBsrJRHDEJpPB-e_c09LzxQ8t3lH5lWII7G1o5y9mpnKZQ4_46g6rgRl8mTN3ceIMm37MG0bhz04B7ikTBdqgn2Q2pgLJr3JSVMlYfKiNdgMGt84IFOlbfoDWZW9PaQPhmFDeCr24jfxfnfuAK6BQ3hj5O8S1u2NOZ1Npk95yG_hJGX_w.VEc4Qga0V1MbAjbVYnbDb7p3_PMEtAzZXQQvMmxpI1k&dib_tag=se&hvadid=274694061582&hvdev=m&hvlocphy=9033281&hvnetw=g&hvqmt=e&hvrand=17820705112322962705&hvtargid=kwd-298259593628&hydadcr=15177_9602980&keywords=american+sickness&qid=1715367065&sr=8-1
没错 就是这本
Mark 请问投诉到州里哪个部门？
马克学习
州的什么相关部门可以管这个? 可否分享是啥方面的医疗charge... 谢谢~
听起来美帝医院不像是救死扶伤的机构，甚至连一般的正经买卖都不如，而是彻头彻尾的黑店，孙二娘那种级别的。
看来你是没有碰到过,撞一次南墙就知道了.
因为你看医生有3~4笔不同地方寄来的费用.
请问州的相关部门关键词是什么？我也想投诉。
你确定上了collection不影响信用?
个人经历: 被追尾后头晕了几天,去做了个ct,以为车保搞定费用, 结果医院规定不能收车保的钱, 被上collection了.
直接丢了100多信用分.
学习了
州的相关部门能详细说一下吗？多谢🙏
请教一下投诉什么部门
不行，去趟急诊就几万了，要是动手术什么的，那就没底了。
Appendix A: Pricing/ Shopping Tools
书里面有，zlibrary 上有epub 版
Mark mark!
我遇到过的情况是照个CT走保险，最后自己要付1900，一个朋友没保险，MRI，自付700
zlibrary 不是shutdown了吗
https://z-library.se/s/An%20American%20sickness
Google [your state name] + Bureau of insurance agency
我们州是政府的保险管理局Insurance Administration的Lift and Health Unit
然后本州的检察总长办公室Office of Attorney General 有设立一个消费者保护部门Consumer Protection Division，这个部门有一个分支是专门协助民众如何向保险管理局投诉
我跟消费者保护部门联系以后，工作人员比较明确的表示这个违反No Surprises Act，如果资料真实的话一定是胜算。我觉得这两个政府部门以及保险公司之间可能已经很熟悉了，它们的工作人员会直接联系，所以我还没有正式向保险管理局投诉，医保账号里的账单就改了。我猜这些保险公司并不希望看到自己被投诉并败诉在政府部门留下记录。
No surprise 是不是比如去in network的无法bill out network的
Thanks for sharing
点赞这个，病人和家属太不容易了。
怎么投诉的？这么牛？
Mark.
这也太没牙了吧🤮
RE. 我一直以来都是和美国各种机构进行各种有效合理的抗争，基本都会有成效，除非我放弃了。LOL
请问相关部门是哪个？谢谢！
请问应该是州政府的哪个部门？我也需要打电话
Ok
州相关部门是什么部门呢？
Mark mark ‼️
Mark ‼️