Okay, many people I know keep saying that a person of a certain age should get a colonoscopy at regular intervals just as a preventive medicine health care measure. I understand the necessity for a person at risk, i.e. for someone in which a health problem is medically suspected; but to have a colonoscopy on a regular, just because basis, I don't know. Especially when I see what the costs are for a colonoscopy.
Recently, my wife, Judy, was in need of a colonoscopy due to medical necessity in that the primary care physician suspected some problems after a physical examination and the return of some medical tests. I will not even go into the costs of these preliminary exams and tests.
However, I feel compelled to tell you about the costs of the colonoscopy including the associated costs of the removal of the five polyps that were discovered and removed during the process of the colonoscopy itself. All total, there have been five different medical providers involved. i.e. the surgeon, the facility, the anesthesiologist, the laboratory, and the pathologist.
Are you ready?
$3517.83 or $1363.10, depending upon how you look at it.
If a person has no medical insurance, the medical providers would make that person pay $3517.83 out of his or her own pocket.
But, if a person has the same medical insurance as I do, the medical providers would accept $1363.10 as payment in full. In our situation, my insurance company paid $729.90 and we paid $633.20 out of our own pocket. The medical providers actually wrote off $2154.73 of their charges because - - - well, basically because the insurance company said the medical providers were overcharging by that much.
This is a summary of that of which I just wrote:
Amount billed: $3517.83
Amount allowed: $1363.10
Insurance paid: $729.90
We paid: $633.20
Written off: $2154.73
If you want to know the details of all that, like how each of those line items are broken down by medical providers, go over to read my comments on Judy Hansen Commentary Medical Cost Ripoff and see the precise amount for each of the medical providers --- and I name names.
A person without health insurance would have to pay $3517.83 for a colonoscopy and removal of polyps. But, as you can see in the case of Judy, those same medical providers are willing to accept $1363.10 as payment in full for persons who have insurance such as mine. That means the person without insurance is charged $2154.73 more than a person with my type of medical insurance. HECK, for the uninsured, that is almost three times as much as it is for the insured. That kind of gouging of the uninsured by the medical providers is a real pain in the ---, just like a hemorrhoid.
I will never ever understand the compassionless political Conservatives and Republicans who think it is all right for low and moderate income people without adequately sufficient health insurance to go without needed health care because of the expensive, overpriced American Health Care Industry.
I do not need to go on with my thoughts on that particular matter because, as my regular readers may recall, I have written a previous Roland Hansen Commentary about health care in the United States.