Chemo and Excess Charges

[axeman462]

So many things wrong with what that agent said. But one thing for sure is that excess charges will never be a surprise to the customer. As the facility has to disclose that they do not accept Medicare Assignment, and that the customer will be responsible for any excess charges.
And in the scenario that the agent posted, a $31,000 excess is nothing more than fear mongering, I wont even get into the math to explain how ridiculous that is.

As for whether or not chemo can have excess charges... I am not familiar with that. But I guess its possible they cant, because my understanding is that chemo is usually done at a hospital. And any medical facility (like most hospitals) that accept any government funds are 100% not allowed to charge excess fees.

 

[somarco]

I think his math is wrong and he is building a straw man argument. If that is the only way he can sell Medigap then I feel sorry for his clients.

 

[axeman462]

I think his math is wrong and he is building a straw man argument. If that is the only way he can sell Medigap then I feel sorry for his clients.

he was probably trained by (and possibly working for) Bankers... Hacks...

 

[WCMason]

The tens of thousands of dollars in financial exposure covering excess charges must be why carriers charge that extra $5-10 per month for Plan G over D and F over C, the plans where the only difference in benefits is Part B Excess.

 

[somarco]

tens of thousands of dollars in financial exposure covering excess charges must be why carriers charge that extra $5-10 per month for Plan G over D and F over C,

Well, they do get a few discounts . . . that probably explains the slight of hand

 

[bill3173]

I think his math is wrong and he is building a straw man argument. If that is the only way he can sell Medigap then I feel sorry for his clients.

I felt sorry for his clients, while I was reading his post.

 

[somarco]

I had a similar feeling.

 

[rousemark]

The tens of thousands of dollars in financial exposure covering excess charges must be why carriers charge that extra $5-10 per month for Plan G over D and F over C, the plans where the only difference in benefits is Part B Excess.

Granted, it is rare but wouldn't you hate to be the one that it happened to?

 

[LostDollar]

So many things wrong with what that agent said. But one thing for sure is that excess charges will never be a surprise to the customer. As the facility has to disclose that they do not accept Medicare Assignment, and that the customer will be responsible for any excess charges.
And in the scenario that the agent posted, a $31,000 excess is nothing more than fear mongering, I wont even get into the math to explain how ridiculous that is.

As for whether or not chemo can have excess charges... I am not familiar with that. But I guess its possible they cant, because my understanding is that chemo is usually done at a hospital. And any medical facility (like most hospitals) that accept any government funds are 100% not allowed to charge excess fees.

In our case the chemo was done at the specialist doctor's office. I think they had 3 patient rooms (maybe 4) and 2 nursing staff dedicated to chemo.

 

[WCMason]

Granted, it is rare but wouldn't you hate to be the one that it happened to?

Large excess charges are fiction. So no.