It all boils down to the POS Advantage plans and corrupt Dr’s that charge for something they didn’t do.
UHC along with all the other Advantage plan providers get money from the government and they make money by not approving medical procedures that your Dr is asking for because now the insurance company will have to pay for something out of their pocket. The stats show that Advantage plans have a high 66% refusal rate for dr requested procedures, whereas Medicare does not require any approval process at all. This corrupt procedure has been in congress for years trying to fix this. More and more hospitals are refusing to accept Advantage plans because the way they are not being paid by the Advantage plan insurance companies. Go the supplemental route and you won’t have any issues.
As for tele visits with the dr or PA, there are a lot of times you can remotely do routine things. How about going over your blood work? Why do you need to be there? How about renewing a prescription that you have been on for years? I have a pacemaker and every qtr I lay in my bed and put a device on my chest and this device gathers all the info it needs from the pacemaker and sends it to multiple places. I could go in and they would do the same thing but I would have to spend an hour driving, maybe 30-60 mins of waiting before seeing the dr. New technology, actually it’s not new, is amazing and a lot can be done remotely.
I did have a dr (no longer around) that did put some questionable items on the bill that he did not perform. I called billing and argued for many mins and he wasn’t going to let it go, until I mentioned this looks like insurance fraud and this needs to be brought up to Medicare, he put me on hold, and when he came back on the phone, he cancelled the charge.
We now have the government efficiency group that is going over everything in all departments and is finding hundreds of billions of dollars of waste and corruption (I even heard trillions of $), so in the future we will see better ways to weed out this corruption, and save us tax $
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