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May 3, 2024 5:42:04 GMT
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Post by Deleted on Aug 27, 2021 14:45:50 GMT
"Insurance companies are now asking COVID-19 patients to share in the cost of their treatment By Megan Cerullo August 27, 2021 / 8:12 AM / MoneyWatch The financial cost of remaining unvaccinated against COVID-19 is rising. Health insurance providers are now asking people who contract the disease to share the cost of treatment, which can get expensive if it requires a lengthy hospital stay.
Early in the pandemic, most private insurers waived cost-sharing for patients under their plans or even covered the full cost of treatment. In November 2020, nearly 90% of insured individuals would have had their out-of-pocket costs — including copays, coinsurance or payments toward a deductible — waived if they had been hospitalized for COVID-19, according to an analysis by the Kaiser Family Foundation (KFF). But with effective coronavirus vaccines widely available, most insurers are no longer waiving those costs, according to KFF. The change reflects a broader push by U.S. companies to nudge workers into getting inoculated in hopes of holding down medical expenses. To that end, Delta Air Lines this week said that it would charge unvaccinated employees an extra $200 a month for health coverage. Insurer profits soared during the pandemic, as consumers skipped routine care and delayed elective procedures.... Today, by contrast, more than 70% of the nation's largest insurers are no longer waiving COVID-19 treatment costs, according to Kaiser, which surveyed the two largest insurers in each state and Washington, D.C.. Another 10% of plans plan to phase out cost-sharing by the end of October." www.cbsnews.com/news/covid-health-insurance-cost-treatment/ |
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Post by revirdsuba99 on Aug 27, 2021 14:51:08 GMT
Will be interesting in the states with low vaccine rates. They are the ones who claimed the Covid numbers and hospitalizations were inflated. Will people lie to get the bills covered, although that would be difficult with Covid Lung, which is very distinctive!!
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Post by freecharlie on Aug 27, 2021 14:59:13 GMT
Apparently some companies are considering a surcharge for unvaccinated like they do for those who use tobacco
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Post by hookturnian on Aug 27, 2021 15:01:22 GMT
Will be interesting in the states with low vaccine rates. They are the ones who claimed the Covid numbers and hospitalizations were inflated. Will people lie to get the bills covered, although that would be difficult with Covid Lung, which is very distinctive!! Im trying to understand how the patient would game the system. How does billing work? In South Africa and Australia doctors charge each line item against a benefit code. So for example there's a code for a covid vaccine and a different one for a flu vaccine (just using it as an example. I know the discussion is about treatment). |
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Post by jeremysgirl on Aug 27, 2021 15:04:45 GMT
Will be interesting in the states with low vaccine rates. They are the ones who claimed the Covid numbers and hospitalizations were inflated. Will people lie to get the bills covered, although that would be difficult with Covid Lung, which is very distinctive!! My Covid vaccine was reported to my insurer. |
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Post by elaine on Aug 27, 2021 15:11:54 GMT
Will be interesting in the states with low vaccine rates. They are the ones who claimed the Covid numbers and hospitalizations were inflated. Will people lie to get the bills covered, although that would be difficult with Covid Lung, which is very distinctive!! My Covid vaccine was reported to my insurer. Our state keeps a record of vaccinations in a large database. My son just accessed it and printed his records for a trip to NYC. He didn’t need to do it, but felt better having it. That record is quite a bit harder to forge than the handwritten cards, and I’m sure that insurance companies will be able to verify vaccination status through it. |
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Post by beepdave on Aug 27, 2021 15:43:30 GMT
Will be interesting in the states with low vaccine rates. They are the ones who claimed the Covid numbers and hospitalizations were inflated. Will people lie to get the bills covered, although that would be difficult with Covid Lung, which is very distinctive!! I'm not understanding what you're saying? They wouldn't have to lie to get the bills covered. They will still be covered by their insurance, but their plan's deductible and/or co-pay will apply like any other illness/hospitalization. Up until now, it was 100% covered.
My insurance company sent us a letter and email 8/17 indicating that the $0 cost share will end September 30. Screening and testing will be free as long as we remain in a national emergency and the vaccine will continue to be covered under the Preventive Health Care guidelines.
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Post by 950nancy on Aug 27, 2021 15:48:45 GMT
Will be interesting in the states with low vaccine rates. They are the ones who claimed the Covid numbers and hospitalizations were inflated. Will people lie to get the bills covered, although that would be difficult with Covid Lung, which is very distinctive!! I have a few friends who believe this. With a few simple clicks, it is easy to find out the number of deaths from 2019 to 2020 went up about 20%. That is a huge jump in deaths. I asked my friend how there were so many more in just one year. There just isn't an answer that doesn't involve Covid. I know I'm "preaching the choir" here, but just had to toss in my 2 cents with people who say but they had heart disease or they were overweight. Maybe, but they would also still be alive (in many cases). |
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basketdiva
Pearl Clutcher
Posts: 3,615 
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Post by basketdiva on Aug 27, 2021 17:48:44 GMT
Will be interesting in the states with low vaccine rates. They are the ones who claimed the Covid numbers and hospitalizations were inflated. Will people lie to get the bills covered, although that would be difficult with Covid Lung, which is very distinctive!! Im trying to understand how the patient would game the system. How does billing work? In South Africa and Australia doctors charge each line item against a benefit code. So for example there's a code for a covid vaccine and a different one for a flu vaccine (just using it as an example. I know the discussion is about treatment). The patient can’t game the system unless the patient gets someone to falsify all their records and the billing codes. The doctor and the hospital send the codes to the insurance company. |
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Post by lisae on Aug 27, 2021 17:56:53 GMT
I never knew that my deductible might be waived if I got sick last year. That $7k deductible I would have expected to pay was a big motivation to avoid the virus.
I really don't care what they charge people who are refusing to get vaccinated and putting our whole healthcare system at risk. We had 6 deaths in our small county last week, 3 the week before. I'm fairly sure the 3 were in the hospital at the time they died and maybe all of them where. Why should I have to foot the bill in higher premiums for people who won't get a simple shot? It isn't like we are asking them to give up a lifelong addiction, lose 50 lbs or magically turn off some genetic marker that predisposes them to disease. It's 2 shots and you are far, far less likely to run up a big medical bill.
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iluvpink
Pearl Clutcher
Posts: 4,280
Location: Michigan
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Post by iluvpink on Aug 27, 2021 18:23:25 GMT
Will be interesting in the states with low vaccine rates. They are the ones who claimed the Covid numbers and hospitalizations were inflated. Will people lie to get the bills covered, although that would be difficult with Covid Lung, which is very distinctive!! My Covid vaccine was reported to my insurer. You are also in MI correct? I'm trying to remember if we even gave our insurance cards to the pharmacy when we got ours. DD got hers through the health department. I remember asking her if she had to show hers and she said no. |
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Post by jlynnbarth on Aug 27, 2021 18:43:30 GMT
I had to give my insurance card to the Pharmacist at the Pharmacy where I got mine (not my health organization pharmacy) and I just looked at my immunization record with my Health organization and it is listed there. I don't think anyone will be able to "lie" about it.
From my understanding, everyone's normal copays and deductibles (if not already) will kick in after Sept 30, vaccinated or not. I know my insurance company has already stopped covering the deductibles/co-pays. They do still cover testing/screening if you are referred by an insurance covered doctor.
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Post by jeremysgirl on Aug 27, 2021 18:57:28 GMT
My Covid vaccine was reported to my insurer. You are also in MI correct? I'm trying to remember if we even gave our insurance cards to the pharmacy when we got ours. DD got hers through the health department. I remember asking her if she had to show hers and she said no. I did give the insurance card at the pharmacy. But I can see right in my patient portal on my insurance company website that we were vaccinated. It lists all of us who were |
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smartypants71
Drama Llama
Posts: 5,701
Location: Houston, TX
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Post by smartypants71 on Aug 27, 2021 19:04:29 GMT
My Covid vaccine was reported to my insurer. Our state keeps a record of vaccinations in a large database. My son just accessed it and printed his records for a trip to NYC. He didn’t need to do it, but felt better having it. That record is quite a bit harder to forge than the handwritten cards, and I’m sure that insurance companies will be able to verify vaccination status through it. Texas does this too except in order to get your records, you have to fax or mail two different forms. So dumb and inefficient. |
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iluvpink
Pearl Clutcher
Posts: 4,280
Location: Michigan
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Post by iluvpink on Aug 27, 2021 19:23:25 GMT
You are also in MI correct? I'm trying to remember if we even gave our insurance cards to the pharmacy when we got ours. DD got hers through the health department. I remember asking her if she had to show hers and she said no. I did give the insurance card at the pharmacy. But I can see right in my patient portal on my insurance company website that we were vaccinated. It lists all of us who were I don't see it anywhere on mine. But perhaps I haven't dug far enough in. |
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Post by maryland on Aug 27, 2021 19:36:03 GMT
I hope all insurers can charge a lot more for unvaccinated and give discounts to vaccinated. And if people choose not to vaccinate, they should pay all of their medical expenses related to covid. I am so tired of the vaccinated people having to pay for the stupidity of others. We did our part to save lives, save the economy and end covid. They did not and they should pay for it!
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Post by revirdsuba99 on Aug 27, 2021 20:05:11 GMT
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Post by Lexica on Aug 27, 2021 20:46:27 GMT
Apparently some companies are considering a surcharge for unvaccinated like they do for those who use tobacco I fully support this idea. If they are willing to make the decision to forgo a vaccination and probably won't wear a mask, and end up needing very expensive and possible lengthy hospitalization, they should have to pay more than someone who has vaccinated and wears their mask as recommended. |
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Post by crazy4scraps on Aug 27, 2021 22:40:35 GMT
Will be interesting in the states with low vaccine rates. They are the ones who claimed the Covid numbers and hospitalizations were inflated. Will people lie to get the bills covered, although that would be difficult with Covid Lung, which is very distinctive!! I have a few friends who believe this. With a few simple clicks, it is easy to find out the number of deaths from 2019 to 2020 went up about 20%. That is a huge jump in deaths. I asked my friend how there were so many more in just one year. There just isn't an answer that doesn't involve Covid. I know I'm "preaching the choir" here, but just had to toss in my 2 cents with people who say but they had heart disease or they were overweight. Maybe, but they would also still be alive (in many cases). I have family members who believe that too. It’s ridiculous to think think that any medical professional who spent years in school and countless thousands of dollars on their education would risk losing their job by falsifying the death records of some random strangers, and for what? It’s just dumb. |
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Post by revirdsuba99 on Jan 14, 2023 3:46:08 GMT
OLD THREAD!!
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RosieKat
Drama Llama
PeaJect #12
Posts: 5,380
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Post by RosieKat on Jan 14, 2023 4:30:15 GMT
Apparently some companies are considering a surcharge for unvaccinated like they do for those who use tobacco I support this in theory, but what about the people who cannot be vaccinated due to other health issues, etc.? They shouldn't be penalized for their legitimate inability to be vaccinated. We exempt them, and then the next thing you know, everyone and their dog now has a letter from an ivermectin doctor claiming that Joe Bloe has a health reason for an exemption. It's what happens in Texas with school vaccination requirements...there are whole websites offering advice about how to get around them... |
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Post by elaine on Jan 14, 2023 4:46:23 GMT
Apparently some companies are considering a surcharge for unvaccinated like they do for those who use tobacco I support this in theory, but what about the people who cannot be vaccinated due to other health issues, etc.? They shouldn't be penalized for their legitimate inability to be vaccinated. We exempt them, and then the next thing you know, everyone and their dog now has a letter from an ivermectin doctor claiming that Joe Bloe has a health reason for an exemption. It's what happens in Texas with school vaccination requirements...there are whole websites offering advice about how to get around them... Her post was 1.5 years ago. This is an old thread bumped by a bot with a link. ☹️ I think many of us have changed some of what we thought/believed since then. |
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Post by gillyp on Jun 8, 2023 10:54:34 GMT
OLD THREAD AGAIN!!!
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Post by hop2 on Jun 8, 2023 12:39:09 GMT
Will be interesting in the states with low vaccine rates. They are the ones who claimed the Covid numbers and hospitalizations were inflated. Will people lie to get the bills covered, although that would be difficult with Covid Lung, which is very distinctive!! I have a few friends who believe this. With a few simple clicks, it is easy to find out the number of deaths from 2019 to 2020 went up about 20%. That is a huge jump in deaths. I asked my friend how there were so many more in just one year. There just isn't an answer that doesn't involve Covid. I know I'm "preaching the choir" here, but just had to toss in my 2 cents with people who say but they had heart disease or they were overweight. Maybe, but they would also still be alive (in many cases). My person responded that ‘they’ ( whomever they is ) were reporting all heart attacks & suicides as ‘Covid’ to make more money and the %20 increase of extra deaths is represented by increased heart attacks & suicides from the stress of the ‘incarceration’ of quarantine. 🙄 I’m pretty sure someone argued that here as well at one point As an interesting side point one person who said this to me works in the health insurance industry so I can’t see how they match the inconsistencies of that. |
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Post by delila on Jun 8, 2023 14:26:31 GMT
Apparently some companies are considering a surcharge for unvaccinated like they do for those who use tobacco I think I’d have to fight that surcharge as I cannot be vaccinated. I tried the first vaccine and that turned into 100’s of cluster seizures and a visit to the ER at my cost. I talked to my neurologist and she said I would have to be hospitalized for future vaccines, drugged with Ativan for a week or more with the possibility of the vaccine not working for me. As much as I would love to be fully vaccinated it’s not going to happen. |
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