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Aetna offers payment estimator

December 12, 2012 in Member Stories

Here at Aetna, we read with great interest, Martha Bebinger’s story chronicling her difficulties in finding the price of an MRI at different health care facilities in her area.  As Martha notes, it is difficult for consumers to “shop around” or make “wise choices” on health care decisions when they can’t find the price of a service.

We agree, and have been working to make that price information available for the last decade. Through free member tools like our Aetna Member Payment Estimator, we provide cost information for more than 550 commonly used, non-emergency medical services, including traditional or C-section births, colonoscopies, MRIs and CT scans. Members can compare up to 10 cost estimates at a time for the selected procedure in a geographic area, so they can see cost differences among different health care providers. Better still, the Member Payment Estimator gives members a personal picture of the costs by providing real-time out-of-pocket cost estimates based on a member’s benefits plan.

Our members use this tool more than 70,000 times per month, each keeping as much as $170 in their own pockets after comparing costs on more than 30 common procedures. In 2011, the U.S. Government Accountability Office recognized the Member Payment Estimator as the only tool from a private health insurance company that “provides estimates of a consumer’s complete cost.” Read the rest of this entry →

What is Being Done About Medical Billing Fraud?

November 19, 2012 in health care costs, Health Insurance, Insurance Bills, Medical Care, Member Stories

Over the last few years, healthcare insurers have been focusing on fraud detection. Their efforts have been undertaken with the cooperation of the National Health Care Anti-Fraud Association (NHCAA). The increasing numbers of suspected fraudulent medical claims are related to the economy, legislative attempts to help the consumer and general changes in ethical behavior. Also, a real danger exists because when medical service providers and attorneys are working in cahoots with fraudsters, prescribed treatment can be unnecessary and may even cause harm to patients.

The property and casualty insurance industry is also stepping up to implement fraud control. That’s because a significant amount of healthcare fraud starts with an incident related to property casualty insurance. For example, in the New York City area, about one in five no-fault auto insurance claims appear to contain elements of fraud. In addition, as much as one in three claims appear to be inflated.

Recently the National Insurance Crime Bureau (NCIB) asked leading property/casualty insurers to participate in a project to analyze medical billing data and place it in a single database. It is hoped that the ongoing participation of these insurers on supplying data for this project will enable the industry to be aware of emerging trends regarding potential fraud around medical billing. Read the rest of this entry →

Plan Ahead for International Travel Medical Bills

November 2, 2012 in health care costs, Health Insurance, Insurance Bills, lifestyle, Medical Care, Medicare, Member Stories

You may be closing out 2011 with a holiday trip, domestically or internationally. If you plan to leave the country, you may want to consider the following when it comes to your health:

  • You may not have health insurance coverage for illnesses or injuries that are treated abroad, even if you have US based medical coverage. Confirm with your benefits administrator.
  • Generally, Medicare does not provide coverage for hospital or medical costs incurred abroad, however, rare circumstances may be covered.
  • AARP can assist with obtaining foreign medical coverage and offers valuable travel tips.
  • US consulate personnel will help you locate health care providers and facilities and even contact family members, if necessary.
  • You can purchase travel insurance that covers health care needs and pays for medical evacuation if you need to be transported back to the US for treatment.

Obtaining medical treatment in another country can be expensive and a medical evacuation can cost over $50,000. Plus, you may encounter challenges with deciphering charges while abroad. Be vigilant, prepared, and follow the same self-advocacy steps you would while receiving medical care in your home state.

If you choose to purchase medical expense coverage while travelling abroad, double check you’ve carefully researched the following:

Wrong Symbol, Right Sentiment?

October 26, 2012 in Member Stories

Caduceus
(via Wikipedia)

Look at the symbol in the header for Healthcare Savvy. An emblem of medicine and healthcare, right? Yes. No. Well, sort of.

Rod of Asclepius
(via Wikipedia)

It turns out using the Caduceus, two-winged serpents entwined around a staff, as a symbol for healthcare is a case of historical mistaken identity. The official badge of medicine is the Rod of Asclepius, a single wingless snake coiled around a simple rod. Asclepius, son of Apollo, is the greek god of healing.  The cult of Asclepius– who set up healing temples around Greece– originated the Rod, and it has survived from antiquity. (It is believed that the cult allowed Aesculapian Snakes to slither freely throughout their temples to earn Asclepius’ favor.)

Ok, but why is there a Caduceus at the top of this page and not a Rod of Asclepius? Seems the misunderstanding can be traced back to 1902 when the U.S. Army Medical Corps officially adopted the Caduceus onto their badge. (Legend has it, this is entirely due to the insistence of one, slightly misinformed, officer). The Caduceus has slowly become a fixture of North American iconography ever since.

Hermes holding the Caduceus
(via Wikipedia)

 

But the plot thickens. The Caduceus stems from the greek messenger god Hermes, who carried it on his journeys. Hermes is the patron god of travelers, poets and merchants. Given the fact that healthcare in America has bloomed into BIG business (“U.S. spending annual on physicians per capita is about five times higher than peer countries“), maybe the Caduceus has  become the more appropriate symbol.  Then again, maybe it is not that simple considering Hermes is also the patron of tricksters and thieves.

What do you think? Should HealthCare Savvy be sporting the Caduceus or the Rod of Asclepius?

Billing for one medical visit

October 25, 2012 in Member Stories

I happened to be paying for trash services (one bill) at the same time as hospital medical services (two bills). One medical bill was for the doctor and the other was for the hospital.

A comparable billing arrangement on trash services would have been to receive one bill for trash collector services and another for the cost of the truck used to haul the trash.

The double billing arrangement puts distance between the medical providers and the facilities they use, and likely simplifies life for the providers, but it also separates the providers from knowledge of the true cost for medical care. Double billing also means that patients have more difficulty trying to decipher the billing.

Let’s hope that trash collectors and other service providers do not adopt a similar double billing arrangement.

MA Health Information Exchange Live Today

October 16, 2012 in health care costs, Member Stories, News

Our new health information exchange went live today starting with the ceremonial transmission of Governor Patrick’s health record from one hospital to another. The best description of the event is on John Halamka’s Blog today and yesterday. The exchange is interesting to the healthcaresavvy for a couple of reasons including its Direct secure email roots and future tie-ins to payment reform.

The Massachusetts Health Information Highway (the HIway) is based on the Direct secure messaging protocols mandated as part of federal EHR Meaningful Use Stage 2. As of 2014, all electronic health records that are eligible for federal incentive payments will have to send and receive Direct messages. Although patients do not have access to MA HIway yet, patients do have access to Direct messaging. Microsoft HealthVault offers free Direct email addresses, for example. I don’t know how long it will be before your doctor can send your health record to your Direct email address but there’s no fundamental reason it could not be done today using the MA HIway. Having your doctor receive a secure message from you, the patient, is also technically now possible. The questions of spam filtering, reimbursement and the doctor’s liability in receiving possibly unsolicited messages from patients (and, for that matter from other doctors) remain to be sorted out.

The tie-in to payment reform will come in future enhancements to the exchange. Read the rest of this entry →

Share Your Medical Bill Story in 2012 Cost of Care Contest

October 15, 2012 in health care costs, Health Insurance, Hospital Bills, Insurance Bills, Medical Care, Member Stories

In listening to you, we’ve found, time and time again, that outrageously high medical bills are not a rare occurrence in this country. Many glitches and loopholes in today’s American health care system often leads to unexpected, mysterious billed amounts that threaten individual families and force many Americans to the brink of bankruptcy or worse. But too often, those with serious medical financial problems have no outlet for their rage and consternation.

Now, a non-profit consumer advocacy group called Costs of Care is sponsoring a contest that’s based on listening to the American patient – yes, you! Anyone who has ever had to deal with a surprise high-dollar bill for medical care is invited to participate.

The Costs of Care 2012 Essay Contest provides a listening ear for struggling Americans, and even a chance to win a portion of $4000 in cash prizes. Contest creators seek “anecdotes,” not policy positions, about big medical billing problems, and “high value healthcare decisions.” Judges include former U.S. Secretary of Health and Human Services Donna Shalala and other panelists, including doctors and health care officials. The deadline for this contest is November 15, so would-be contestants have just a short time to send in their stories of up to 750 words for consideration.

What’s behind the Contest

In soliciting stories from American patients, Costs of Care and other participants are seeking to put needed pressure on today’s community of medical providers. Read the rest of this entry →

An unusual medical encounter

October 10, 2012 in health care costs, Medical Care, Member Stories

My son was diagnosed at age one as having life threatening allergies to peanuts. He was given skin tests after what appeared to be a reaction to peanut butter. The tests showed he was allergic to everything. So, we spent the next 14 years religiously keeping him away from all nuts. Being an underutilizer, I never took my son back for further testing as given his history of asthma, it was unlikely he would outgrow this allergy. And, he never had another reaction. This summer (at age 15) my son went on a canoeing trip in the adirondacks…..miles away from any medical facility. To my shock, it was here that He decided he had had enough of his “special diet” and gave himself a “food challenge” by eating two peanuts. What happened? Nothing. When he proudly announced that he was no longer allergic to peanuts upon returning home, I was ready to murder him. How could he take such a risk? But, after calming down, I also wondered what had happened. Had he been misdiagnosed as a baby? Had he outgrown his allergy? Both his skin and blood tests provided evidence that he has this allergy, didn’t they? We made an appointment with a specialist, someone who could answer all our questions.

This appointment was really what I wanted to write about. Those who know me know that I am an underutilizer of health care services. So I was leery seeing this specialist. Would he want to run a zillion more tests? Would they want my son to undergo another food challenge? Well, not this allergist. Read the rest of this entry →

Medicare 2013: It’s That Time of Year Again and Medicare’s Still Not Simple

September 18, 2012 in Medicare, Member Stories

In 2011 I wrote that signing up for Medicare is not simple (link broken). Well it’s time for an update and the bad news is that Medicare is still not simple.  Here is an update to my 2011 explanation:

If you’re turning 65 soon and looking forward to the simple life… 

No, this post is not about shuffle board, falling and failing — and now again rising — 401Ks, bingo, or problems with Social Security debt (which most about to be 65-year-olds don’t have to worry about until they’re 66 or 67). This is a “welcome to Medicare” blog post and I signed up last year. If you were already collecting Social Security when you turned 65 like I was, you should get a 150-page version of this information from the government in the mail two or three months before you turn 65.

 

 

(NOTE: The above photo is the 2012 cover of the Medicare and You booklet. A 2013 version will be released shortly and mailed to all Medicare beneficiaries as well as those turning 65 who are already on Social Security. Do your bit for the national debt and a forest in Orgegon and go online and say you only want electronic distribution.)

Read the rest of this entry →

What Factors Are Important to You in Choosing Your Doctor?

September 14, 2012 in health care costs, Member Stories

When business analysts take a look at the health care industry in America, they often find both striking similarities and radical differences between what consumers say about retail and what patients say about health care. Studies on health care services underscore the fact that a doctor’s office is, in many senses, a business, even though people don’t tend to think of health care as a “consumer industry.” New studies are finding that when it comes to choosing doctors, consumers are using some of the same criteria that they would at the check-out register of a department store or other retailer.

A Friendly Experience

Some of the newest results on surveys of patients as customers come from PwC Health Research Institute, a group that surveyed several thousand patients to get a better picture of what today’s patient is looking for in a medical provider. Part of what PwC found is that a friendly greeting is twice as important at the door of the doctor’s office as it is in a bank or a big-box store. That’s big news for practices that haven’t invested the time and effort to make sure there’s someone personable sitting at the front desk. It’s also a good look at how medical offices can tune in to what patients really expect in today’s health care industry.

Price Not a Factor?

Studies also routinely find that price is not the big factor in patient provider selection that it is in retail. Read the rest of this entry →

Be Cautious About “National Medicare Education Week”

September 13, 2012 in Medicare, Member Stories

Just a caution to readers that two primarily Medicare insurance companies, a financial advisory company primarily aimed at retirement issues, and an association of some sort of providers or users of home-based healthcare support (I can’t tell whether it’s users or providers after five minutes on their web site and I can’t figure ouit what kind of support they use or provide) have declared next week National Medicare Education Week. 

It sounds like a pure marketing gimmick to me. That does not make it bad.  Education on issues of any sort is always important.

Just remember that if you go to a “National Automotive Performance Week” or a “National Highway Transportation Options” event with content created by General Motors and it’s held at your town’s Chevy dealer, you can still buy a Ford or a Toyota or a… The same applies to National Medicare Education Week. The first step in Medicare Education is understanding your options as illustrated in this chart from the Medicare and You booklet on medicare.gov

Rather than next week, I consider the key Medicare Education dates to be: Read the rest of this entry →

“Take me to MGH”

September 13, 2012 in Health Insurance, Medical Care, Member Stories

One day my husband came home from work and announced that he wanted to get a tattoo.  Greg was a neuroradiologist at Massachusetts General Hospital — more of a science nerd than an ink lover — so this caught my attention.  He said he wanted to have a tattoo right across his forehead that said:

“IF FOUND DOWN, TAKE ME TO MGH.”

A volunteer tests out Greg's tattoo design.

If he ever collapsed somewhere, he said, he wanted to be sure that he was taken to Mass General, and not to the nearest community hospital.

Greg had started working at a lab at MGH when he was in medical school, and he had done his radiology residency and fellowship there, so his ties to the hospital went back a long ways.  But this bit about the tattoo was more than just institutional loyalty.  He was convinced that the care at Mass General was better than at many of the smaller hospitals.

He proved his commitment to MGH one night when he became a patient himself.  One evening I came home and found Greg lying on the bathroom floor writhing in pain.   On the 1-to-10 scale of pain, he said he was at a 10.  He clearly needed to be seen by a doctor, so he managed to get himself out to the car, and I started heading to the nearest emergency room.  “No,” he said. “Take me to MGH.”  Every bump in the road caused him to moan in pain, and and every extra minute of the drive was excruciating, but even in unbearable pain, he was adamant that he wanted to go to Mass General. Read the rest of this entry →

$4000 for the Best Stories About Healthcare Costs

September 13, 2012 in Member Stories

As a presidential election looms and the American economy struggles to recover, the spiraling costs of healthcare have become a contentious political focal point without an obvious solution. Yet for patients and their caregivers, opportunities to get more bang for our buck present themselves every day. Over the last two years, as part of the Costs of Care Essay Contest, we have collected hundreds of anecdotes from all over the country that are filled with lessons learned.

Some stories describe all too common medical oversights. Renee Lux, a patient from Connecticut wrote to us about an unnecessary CT scan her doctor should have never ordered that labeled her with a preexisting condition and caused her insurance premiums to skyrocket. Other stories describe easily replicated ingenuity. Molly Kantor, a third year medical student, told us how she figured out how to treat her patient’s heart failure on a $100 budget.

Increasingly, these stories and the insights they provide are striking a chord, helping drive an important professional discourse that in recent months has reached the New England Journal of Medicine and even the Institute of Medicine. This effort has been buoyed by the success of the ABIM Foundation’s Choosing Wisely Campaign, and several other notable initiatives aimed at getting caregivers to examine their own role in healthcare spending.

That is why this year we’re running the contest again.

With the help of Jeffrey Drazen (editor-in-chief, New England Journal of Medicine), Donna Shalala (former United States Secretary of Health and Human Services), Zeke Emanuel (ethicist and former White House healthcare advisor) and Pauline Chen (surgeon and New York Times columnist), Costs of Care will be awarding $4000 in prizes to stories that best illustrate the importance of cost-awareness in medicine.

All stories are fair game and everyone is welcome to participate – examples may include a time a patient tried to find out what a test or treatment would cost but was unable to do so, a time that caring for a patient generated an unexpectedly a high medical bill, or a time a patient and care provider figured out a way to save money while still delivering high-value care.

Submissions are due to contest@costsofcare.org no later than November 15, 2012.

 Learn more at www.CostsOfCare.org/Essay

Neel Shah, MD is the Executive Director of Costs of Care and a chief resident in obstetrics and gynecology based at Harvard Medical School.

My Knees in 3D

September 11, 2012 in health care costs, Member Stories

I’m not one to complain about new technologies. In fact, I’m a certified geek and always enjoy digging into something new and interesting.

But recently, following a claustrophobic journey into an MRI capsule to have my knees imaged, I found myself thinking about healthcare costs and how some technologies drive prices up.

After listening to magnets clang for about 20 minutes, I left the contraption, got dressed, brushed my hair, and attempted to keep any thoughts about surgery at bay.

I walked out to the reception.

“Do you need anything,” I asked the receptionist, knowing that I have new healthcare insurance that forces me to pay out of pocket until a deductible is met.

She looked on the computer. “We’ll bill you,” she said.

“Do you know how much it will be,” I asked.

“No,” she said.

I said “thanks,” and began to walk away.

“Oh, don’t forget this” she said, handing me a DVD.

“What is it,” I asked. Read the rest of this entry →

Give us your waste, get a free mug

September 7, 2012 in health care costs, Member Stories

The Institute of Medicine says $750 billion, yes billion, of what we spent on health care in the US in 2009 was waste. Tell us your story about unnecessary or inefficient care, poor prevention, prices that were too high, etc. and we’ll send you a WBUR mug.  It will be useful for years ( OK, if you’re careful).

Testing out diabetic-friendly recipes

September 4, 2012 in diabetes, Member Stories, nutrition

One day, I hope to educate people about how to prevent and treat type 2 diabetes. To get an understanding of what it’s like to live with this condition, I thought I’d try cooking a meal a diabetic might prepare at home. I scoured the internet for diabetic-friendly recipes that were simple, included reasonably-priced, natural ingredients that would be easy to find and weren’t too far of a stretch from the food I would regularly eat. The end result: Finding the recipe and ingredients was pretty easy, but getting the taste right was not. It may take a little more creativity to put together flavorful carb-conscious meals, but there’s information out there to make it possible.

For recipes, I stuck with Diabetic Living magazine’s website, which had loads of options whether you were looking for breakfast, dinner, a quick snack or a family-sized meal. Each recipe comes with nutritional information and diabetic exchange values- important details for diabetics when planning out their meals. When choosing a recipe for this experiment, I realized that cooking with fresh fish can be expensive and most people are turned off by the idea of a tuna casserole. So, for the sake of appealing to a wider audience, I choose the chicken taco casserole.

Diabetic-friendly dinner (Cristina Cruz)

Diabetic-friendly dinner

When I made the casserole, I subbed low-fat cheddar for the monterey jack cheese, but mostly stuck to the recipe otherwise. I felt like I ate more vegetables from this dish than I normally would prepare, which made me realize this recipe is a good way for diabetics to add fresh vegetables to their diet without feeling like they have to eat salad at each meal. Although, leftovers re-heated in the microwave were not as good. I’d recommend re-heating this dish the next day in a toaster oven, if possible, to relive the “fresh out of the oven” experience. Read the rest of this entry →

Open enrollment time again – what to do about Tiered Insurance Plans

September 1, 2012 in Health Insurance, Member Stories

Ahhh, September!  Summer scheduling chaos is over, back-to-school shopping is done, the kids are back in school, and I can now use my precious free time to….worry about open enrollment for health insurance?!  Yup, even though we have until December, it is already on my mind.  Actually, it never really left my mind, because I have been dealing with the fall-out of Tiered Insurance Plans since last open enrollment.

As I have posted before, last year I struggled with the new option of Tiered Health Insurance Plans.  Personally, I tried to figure out if choosing a Tiered Plan would actually save my family money.  After many hours of research, I concluded that I could draw no meaningful conclusions.  Because my family’s physicians and hospitals were ranked on different tiers for different insurances, I couldn’t conclude that these tiers were based on meaningful, standardized data.  We opted for the more traditional, non-tiered, health insurance.

Professionally (I am a pediatrician), I have been surprised at the lack of understanding that families have about the tiered plans.  My practice also falls into the category of being ranked differently for different insurances.  Conversations in my office usually go something like this:

Parent:  I think your office is billing me extra co-pays by mistake.  Every time I pay my $25 co-pay, I get a bill from your office for another $25.

Me (lightbulb going off in my head): Let me see what kind of insurance you have.  (Confirm that they have the insurance that ranks us as Tier 3).  Did this increase start after your insurance changed with open enrollment? Read the rest of this entry →

The 2012 Political Debate: MediCare vs. ObamaCare vs. RyanCare

August 30, 2012 in Medicare, Member Stories

Martha asked me recently what I thought about the 2012 political debate over Medicare given my previous posts about Medicare on this site and my “work” as a Centers for Medicare/Medicaid Services (CMS) volunteer at my local senior center. (Oh, and like Sy Sperling and the Hair Club, I’m also a member of Medicare.) My answer to her is that there is not enough information available for anyone to form an intellectually honest, just-the-facts-ma’am pro and con analysis about the various proposals for Medicare reform. Neither side wants to clear the air because — I assume — there is more political advantage to both candidates in keeping the debate murky.

So all I can tell you is what I would read if I were you and I felt the need to try to find out more information about Medicare — and proposals to reform it. My basic advice: Go to the source. Do not depend on the media. Do not depend on so-called non-partisan think tanks.

The best source is a 200-page booklet available on medicare.gov called Medicare and You.

Read the rest of this entry →

Six tips for the running enthusiast

August 21, 2012 in fitness, lifestyle, Member Stories

Boston Esplanade Runner by mcritz/Flickr

Running is my favorite way to exercise, especially in the summer. After completing my first half-marathon, I learned that running can also take a toll on your body once you start increasing your mile-time and distance. To learn more about things every runner should know, I spoke with Dr. Pierre d’Hemecourt at Children’s Hospital’s Running Clinic. Here are a few take-aways from our conversation that could be re-affirming- and possibly enlightening- for the running enthusiast:

Fueling up- The carbs that help:  Holding off on breakfast till after your morning run isn’t the best idea. “You want to get some carbs in [before] the run, preferably 2-3 hours prior,” says Dr. d’Hemecourt. Simple carbs, like pancakes or cereal, will give you the most available fuel.  He also recommends re-fueling on carbs with protein after every run. And yes, chocolate milk counts! Dr. d’Hemecourt says this is a great way to restore your energy reserves after your run because it gets “glycogen back in [the] muscles.”

Hydration- Don’t overdo it: When I was preparing for my race, I remembered reading about avoiding over-hydration. I didn’t really think it was possible, but apparently it happens a lot, especially during temperature extremes. Common symptoms include headache, feeling confused and bloating. “People take in too much fluid and are not getting rid of it,” says Dr. d’Hemecourt. To determine if you’re drinking too much water, you should weigh yourself, without clothes, before and after running to see if there’s a difference in weight. If you’re running between one and one and one half hours, you should expect to lose 2% of your body weight, according to Dr. d’Hemecourt. If your weight is the same (or greater) after your run, then you’re drinking too much water.  

Proper footware and over-striding- The case for minimalist shoes: When Vibrams and other “minimalist” sport shoes came out on the market, there was a lot of talk on whether or not running in your traditional sneaker was the smart thing to do. Read the rest of this entry →

Gold-plated stitches

August 15, 2012 in Member Stories

A colleague at WBUR slammed her right pinky finger in one of our heavy studio doors a few weeks ago. When she got home that night she realized that the gash was deep enough to need stitches. It was after 8 p.m., on a Friday, so her doctor’s office was closed for the weekend. She went to the local ER.

Two-and-a-half hours later, most of which involved waiting, she went home with two stitches. She just got a $1,059 bill from the hospital (The total cost of her visit was $1,134, but the bill was reduced by her $75 ER co-pay).

She was mystified by “how two stitches could possibly cost more than eleven hundred dollars?” She called the hospital and asked for an itemized bill. Here’s what she got:
It’s a little hard to read the scanned copy, but if you look at the second line, that accounts for a $400 charge, you see this explanation: SIMPL REPR SCLP/AX/GEN.

We’ve been trying to guess, in the newsroom, what “simple repr sclp/ax/gen” means? Anyone? Couldn’t the billing staff at least send an explanation with full words?

My friend’s finger healed well.  It should, she says, for $1134.