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Culture War Roundup for the week of December 2, 2024

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Patients want to know what they will pay

You're ignoring what I've written time and time again. I am asking you to simply inform your patient about the charge you are going to submit to their insurance and the negotiated rate. That is information that can be useful. You are correct that it is not an exact description of exactly what they will pay out of pocket. There are also deductibles, co-insurance, out-of-pocket max, etc. That's not to do with you; that's why you're not telling them those other things. You're telling them the information that you have - the charge that you are going to submit to their insurance and the negotiated rate. You have this information. You can tell them. Just tell them.

My hospital charges three oranges, a second hospital charges two oranges, a third hospital charges four oranges. Your insurance gives all three hospitals a single banana. Regardless of which hospital you go to, your insurance makes you pay three sticks of whole wheat pasta.

Why then is it valuable to know how many oranges my hospital vs. the other two charges?

It has no impact on your pasta. It has no impact on your pasta. It has no impact on your pasta.

If you just want to know so you can know...that's fine. Curiosity is reasonable. Spending money to figure out things for your curiosity is not necessarily reasonable however.

The only proposed use for the orange you've given me is for "informed consent," but informed consent would be the pasta, not the orange. The orange has no impact on the patient.

If it has one please provide it.

Your charge and the negotiated rate are both denominated in US dollars in the US. (So are all of the other terms in their health insurance policy.) US legal tender laws are a hell of a drug, so unless you're extremely transparent up front about your pricing structure being in terms of oranges (in which case, you are probably transparent enough as it is... and you certainly don't work with any US-based insurance companies), yours is denominated in US dollars, too.

I mean, this is how silly you've gotten. Wow. I hope you're really good at medicine, because I'm starting to get the impression that you just don't understand how any other aspect of the world works.

Let me make it simple again. You are asking for a number in dollars that has no meaning to the patient. The number in dollars that has meaning to the patient is something else. Why do you want a number in dollars that has no meaning instead of a number in dollars that has meaning?

It does, indeed, have meaning to the patient. It can matter, as you have already agreed. They even see the same numbers on their Explanation Of Benefits, which they currently get, just after it's too late for them to consent. They have meaning there, too. Have you never read an EOB?

It can matter, as you have already agreed.

We have not agreed on this.

Yes, we did.

I said it mattered for apples. We are talking about oranges.

Your EOB has pineapples, guava, and pasta on it, but not oranges.

You're babbling. Incoherently. Please use actually relevant words. Aren't you supposed to know something about this topic, at a technical level? How come you can't even use the proper terminology?

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