medical insurance explained

Discussion in 'The Pump House Saloon' started by Bruce FLinch, Jun 22, 2007.

  1. Medical Insurance Explained



    Q. What does HMO stand for?

    A. This is actually a variation of the phrase, "HEY MOE." Its roots go back to a concept pioneered by Moe of the Three Stooges, who discovered that a patient could be made to forget the pain in his foot if he was poked hard enough in the eye.



    Q. I just joined an HMO. How difficult will it be to choose the doctor I want?

    A. Just slightly more difficult than choosing your parents. Your insurer will provide you with a book listing all the doctors in the plan. The doctors basically fall into two categories: those who are no longer accepting new patients, and those who will see you but are no longer participating in the plan. But don't worry, the remaining doctor who is still in the plan and accepting new patients has an office just a half-day's drive away and a diploma from a third world country.



    Q. Do all diagnostic procedures require pre-certification?

    A. No. Only those you need.



    Q. Can I get coverage for my pre-existing conditions?

    A. Certainly, as long as they don't require any treatment.



    Q. What happens if I want to try alternative forms of medicine?

    A. You'll need to find alternative forms of payment.



    Q. My pharmacy plan only covers generic drugs, but I need the name brand. I tried the generic medication, but it gave me a stomach ache. What should I do?

    A. Poke yourself in the eye.



    Q. What if Im away from home and I get sick?

    A. You really shouldnt do that.



    Q. I think I need to see a specialist, but my doctor insists he can handle my problem. Can a general practitioner really perform a heart transplant right in his/her office?

    A. Hard to say, but considering that all you're risking is the $20 co-payment, there's no harm in giving it a shot.



    Q Will health care be different in the next decade?

    A. No, but if you call right now, you might get an appointment by then.
     
  2. Marlin

    Marlin *TFF Admin Staff Chief Counselor*

    Sadly, this is TRUE and not a joke. [Not unlike Socialized Medicine.]

    :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad:
     

  3. pickenup

    pickenup Active Member

    Yup, from what I've heard, that pretty much explains it. :mad:
     
  4. Deputy Dawg

    Deputy Dawg Active Member

    Now I understand how the system works.Sad but very true.
     
  5. Tom Militano

    Tom Militano New Member

    Feb 26, 2007
    Jacksonville, AL
    I though it meant "Hand money over"
     
  6. Talked with Kill Me Permanently (Kaiser Permanente) today to find out their computer billing system is screwed up, and has been for at least six months. They just posted a $170 charge from last January; I guess I tickled the nurse too much. They had to recompute my 10 month loan because (and the woman on the phone admitted it!) that their computers have been screwed up for a long time, and won't be getting better anytime soon.

    Been there, done that, thank you. No wonder people like me call them up and complain.

    So, if you have billing questions of Kaiser Permanente, don't let up - grab them by the short hair and tear it out!

    Just my 2 bits worth ...

    Leadus, Lobber of Heavy Metal
     
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