there was a small shift in coverage in the 80's..but it really stayed the same until the 90's..then we started getting this reasonable and customary crap...i remember getting very confused by this..and angry..i would get an insurance letter saying my bill exceeded the "reasonable and customary" coverage..
so i would call the insurance company and say..well damn it..this is the same doctor i have had all along and nothing has changed but your new "reasonable and customary " bullshit..
The insurance rep i had always had said..turn the paper over and write just that..that it was the same doctor and same bill as always ..then they would pay it..
so for several years , every time i got a insurance payment document ..it would say "reasonable and customary" crap..and i would turn it over and write.pay this !
The INSURANCE REP I HAVE HAD FOR OVER 25+ YEARS whispered to me on the phone one day..that you would be surprised how many people pay the extra without complaining and it saves the insurance company lots of $$ by doing the reasonable customary crap..
well I wouldn't pay it as I knew what my insurance always covered before and that is what i was paying them for.
But we were never in a "network" or any of that stuff..until late 90's..like 97-99..timeframe..it used to be straight insurance..go to doc they paid 80%..80% of meds..100% hospital.it was easy and we knew what it was..
now?? it is complicated as all get out..this doc is in network..that one is not..
I just had a problem with my foot ..i went to the doc in the "network" and he told me I had to have surgery on my achilles tendon that i had a bone spur pushing on achilles tendon..and that after the surgery i would not be able to walk for almost 6 months..they put me in this boot that cost $1,400.00 that i could not wear..
I went for second opinion ..and the doc is excellent but out of network..that doc said i didn't have bone spur and he sent me to foot specialist ( i won't go into details..but it was the sack under the achilles tendon that had burcitis)..not in network..and he gave me a series of 3 shots in my foot..and said i didn't need any surgery..and after the shots my foot is fine! I need a thing for in my shoe that they would only pay a little on..
so end of story..if i went to their wack job doctor i would have had horrible surgery cutting my achilles tendon..and been unable to walk the same again..and been laid up for well over 6 months..and it would have been covered 100%...but since i went to another doctor "out of network" that the fee was way way less than a major surgery ..they paid very little ..
Like i stated ..we never had this network crap from 1970..until 1997-98...
we are seriously being fleeced now..unlike for many many years before.
and i tend to agree with that caller..about the hospitals now being corporately owned.
Go read about Tenet corporation and what they did to so many at the Shasta Hospital in Redding Calif..there is alot about it in the archives here at DU..
My father in law was one of the unlucky ones who was operated on his brain.. by one of these corrupt corporate doctors...needlessly...it was criminal! These Corporate whores who took over our medical hospitals and Pharm's are what has destroyed our system of care.
http://allnurses.com/nursing-activism-healthcare/tenet-healthcare-paying-42620.htmlTenet Healthcare Paying $54 Million in Fraud Settlement over Redding CA heart care
The Tenet Healthcare Corporation agreed yesterday to pay $54 million to resolve government accusations that doctors at a hospital in Northern California conducted unnecessary heart procedures and operations on hundreds of patients.
The settlement is the largest in a case involving what is known as medical necessity fraud, or billing government health programs for tests and treatments that the patient's condition did not require.