> gg wrote: > So you go to the doctor, the doctor sends the bill to the > administrator, the admin confirms your eligibility (that ins will pay > for the services rendered) and then pays the insurance company pays > the doctor. >
This is, btw, why I'd like high deductible insurance: I don't want to finance stitches or a flu shot through insurance. Think of how inefficient that is: the doctor charges $150 for the stitches, but that bill has to go through the entire adjudication process just to get paid. And part of my premium is going to pay for that admin cost. I'd prefer to just avoid the admin cost and pay the bill myself, but that insurance product isn't widely available (well HSAs are more popular now). I'd like to use health insurance the same way I use house insurance: if a window breaks, I'll fix it myself for cheap (doc-in-a-box). But my basement gets flooded and collapses (ruptured bladder) due to some unforeseen event (screwing around in the office with paperclips), then my house insurance will pick up the tab through my financing arrangement. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~| Want to reach the ColdFusion community with something they want? Let them know on the House of Fusion mailing lists Archive: http://www.houseoffusion.com/groups/cf-community/message.cfm/messageid:300448 Subscription: http://www.houseoffusion.com/groups/cf-community/subscribe.cfm Unsubscribe: http://www.houseoffusion.com/cf_lists/unsubscribe.cfm?user=89.70.5
