• 11 Posts
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Joined 1 year ago
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Cake day: March 13th, 2023

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  • Insurance companies still do many versions of this with a byzantine coding system, complex “out of network” exclusions, etc. Anything to deny a claim.

    Yep. My criminal insurance company (CIC) marketing docs trumpeted how my ER costs were “fully covered” (which they’re required to be by law, I think). That’s obviously bad for profits, so the solution? Well just interpret any ER line-item (pick some expensive ones) as non-ER, even when they pertain to an ER visit, then charge the whole slew of separate copays/deductibles that go with the new interpretation. Profit! The hospital, which has a contract with the insurer, will cooperate and code all these line-item services with ambiguous language and codes, making them ripe for the picking by the screw-you insurance dweebs.

    Oh, I can appeal the insurance decisions? Great. Appeal #1 is decided by the insurance company itself! 100% internal. Appeal #2 is done by a third party company, selected by the insurance company and paid by the insurance company. Think your state insurance commissioner is going to step in when foul play occurs? Think again. If they pay attention to you at all, they’ll claim to have no “authority” to make “medical decisions” about the abuse the insurance companies subject you to, and if they do anything at all, it might be to write a mildly-stern email to the insurance company reminding it of your complaint and their supposed obligations. That’s it, the commissioner’s office is not on “your side” and even if it were to some extent, they’ll claim to be “too overloaded” to do anything, anything like actually regulate the insurance companies, on your behalf or on behalf of the other millions of insurance customers.











  • The AG’s press release is an infuriating read.

    [WA attorney general]Ferguson filed a lawsuit in February 2022, accusing Providence of billing and aggressively collecting money from low-income Washingtonians without determining if they qualified for financial assistance.

    Ferguson’s Consumer Protection investigation started in 2020, following complaints about collection practices at Swedish. It revealed Providence engaged in numerous practices between 2018 and 2022 that prevented patients from accessing financial assistance. Providence trained employees on aggressive and deceptive collection tactics. Their script included:

    • “Ask every patient every time” to pay outstanding medical costs;
    • “Don’t accept the first no;”
    • “If a patient declines the first request, ask for partial payment;”
    • "Use phrasing that signals to patients “payment is expected.”

    The lawsuit asserted that Providence knew many of its patients were likely eligible for financial assistance and not only failed to inform them, but also kept collecting payments from them. In fact, Providence sent thousands of patients it identified as “presumptively” qualified for financial assistance to debt collectors. Internal emails revealed Providence did this because it knew those patients were more likely to pay their bills if collection attempts continued.

    Moreover, starting in 2019, Providence sent thousands of Medicaid patients to debt collectors. Medicaid enrollees are among the lowest income Washingtonians, and are deemed eligible for financial assistance under Providence’s own policies. Providence staff caught the issue early and raised concerns to leadership. In fact, according to internal records, one employee warned: “We are sending the poor to bad debt and not treating them the same as other patients.” Providence did not correct the problem for more than two years.




  • selection bias

    He’s not doing a formal study that requires random sampling. This is his blog - opinions & thoughts.

    He makes the claim that nothing is done about right-wing protesters

    I’ve read the article and I don’t see him making this claim anywhere. The closest I can see to it is one of his opening sentences where he writes “actual terrorists (especially on the far right, and especially in the US) often remain unmolested by the law”.

    One of his topics here is the disproportionate punishments handed out to left-wing protesters (esp. peaceful ones). He talks about what he calls “extrajudicial punishments” that don’t even require convictions to cause massive harm to the protester. The UK gov’t seems to be pioneering these techniques to dissuade and crush public left-wing protest, but if the techniques are successful it’s just a matter of time before they’re employed here in the US too.

    Ragebait? I guess, but given that the topics are legitimately rage-inducing, that’s to be expected. While right-wing domestic terrorists in the US continue to ramp-up their threats, and acts, of violence against those they dislike (including insufficiently MAGA-loving elected officials and judges ), with very few of them being caught and punished (never mind having their terrorist networks broken-up), following the UK recipe, we have (source):

    Protests against the proposed training center — dubbed “Cop City” by opponents — have been going on for more than two years. Georgia Attorney General Chris Carr obtained a sweeping indictment in August, using the state’s anti-racketeering law to target the protesters and characterizing them as ”militant anarchists.”

    Demonstrators and civil rights organizations, including the American Civil Liberties Union, have condemned the indictment and accused Carr, a Republican, of levying heavy-handed charges to try to silence a movement that has galvanized environmentalists and anti-police protesters across the country.