COFFEECOPS FOR SAPD RETIREES
  • HOME
  • IN CASE YOU MISSED IT
  • SAPD HISTORY
    • OUR HISTORY
    • CADET CLASSSES
    • UNITS/GROUPS
    • RETIREES & OLD TIMERS
    • SAPD helping in Texas City Disaster
  • FINAL TRIBUTE
  • POLICE PATCH GALLERY
    • PETE DAVIS POLICE PATCH GALLERY
  • ENTRY TO PENSION or HEALTH CARE FUND
  • RETIREES IN ACTION
  • RETIREE COFFEE CLUBS
  • LINKS
  • FUN STUFF

What You Need to Know about ER visits

9/30/2020

0 Comments

 
Picture
From: Henry Trevino -  Retirees Health Benefit Trustee
Subject: Treatment at the Emergency Room
Attached above is a an article written by one of our Retiree health trustees. 
Problems after visiting a hospital ER for treatment.
Article Attached
FELLOW AND FUTURE MEMBERS                                 
 
This article will discuss the tremendous financial burden people suffer when they go to the hospital for emergency treatment.

             When a person receives care at an in-network hospital, he generally assumes that the attending physicians and specialists are also in-network.  They are mightily surprised when they receive a bill from the attending providers that are not in net-work.

             Many physicians working in hospital’s E.R’s are contract workers that are not directly employed by hospitals.  Many of these contract physicians that provide care in hospital’s E.R’s might not be in net-work.  
             Knowing whether a doctor in or out of net-work is generally not known until weeks later when a bill is delivered to the patient.  The bill is the difference between what the insurance paid and the out-of-network costs.  The bill balance is now the responsibility of the patient.  The amounts can vary from a few hundred to thousands of dollars. 

             This very unfair method of billing blindsides patients that are most vulnerable. This unfair practice of billing is disproportionately tied to emergency room care. 

             State representatives should have the courage to confront and fix this problem as other states have done.  It is suggested that if patients go to in-network hospitals they should receive in-network billing.  The medical provider and the insurers should settle out the difference.  

             Florida, New York and California have tackled the problem by requiring in-network billing when patients go to in-network hospitals and other facilities.  Two Texas Lawmakers, state Representatives John Smithee, R-Amarillo, and state Senator Larry Taylor, R-Friendswood have said that they would consider such legislation.
 

             Unfortunately the Fire and Police Health Fund cannot intercede for our members when they are hit with not in-network billing. Furthermore, the Fund cannot determine whether a physician is or is not in-network in an emergency situation.  It is the responsibility of the member to determine whether the doctor is or is not in-network. 
  

             If emergency care is necessary, a relative or a friend can call the Health Fund and pre-certify the patient.  If this happens on a week end the patient has 48 hours in which to pre-certify.  However, it is the responsibility of the patient to ask and determine if the doctor is in-network.

             What can you do if this happens to you?  Go to the hospital or to the doctor and bargain the extra billing down.  They may or may not agree, but argue the point of the unfairness of the extra billing.  I suggest that when arguing this point that you remain calm and composed while presenting your case.  Sometimes more often than not, offering a fully paid discounted amount will be accepted.

0 Comments



Leave a Reply.

    Categories

    All
    Ailing / Sick Retirees
    CLEAT
    Coffee/Lunch Clubs
    Events & Fundraisers
    Final Tribute
    Final Tribute Family Mbrs
    F&P Pensioners Assoc.
    General Announcements
    Health Care Fund
    J. Anderson Memorial Park
    Pension Fund
    Retiree Comments/Announcements
    Retiree Firearms Qualification
    SAHPOO
    SAPD
    SAPOA

    Archives

    December 2022
    November 2022
    October 2022
    September 2022
    July 2022
    June 2022
    May 2022
    April 2022
    March 2022
    February 2022
    January 2022
    December 2021
    November 2021
    October 2021
    September 2021
    August 2021
    July 2021
    June 2021
    May 2021
    April 2021
    March 2021
    February 2021
    January 2021
    December 2020
    November 2020
    October 2020
    September 2020
    August 2020
    July 2020
    June 2020
    May 2020
    April 2020
    March 2020
    February 2020
    January 2020
    December 2019
    November 2019
    October 2019
    September 2019
    August 2019
    July 2019
    June 2019
    May 2019
    April 2019
    March 2019
    February 2019
    January 2019
    December 2018
    November 2018
    July 2017
    June 2017
    May 2017
    April 2017
    March 2017
    February 2017
    January 2017
    December 2016

Copyright CoffeeCops.net 2009 - 2020 ~~~~~~~ Serving SAPD Retirees since Since 2009