Meet The Medical Bill Bullshit Cutters
Christopher Snowbeck writes in the Star Trib about a new business that's emerged, Athos Health -- a service that will ferret out mistakes in medical bills. But that's not all:
Beyond checking for mistakes, Athos Health can provide patients with information about how costs for a particular service compare with rates elsewhere. Patients can ask the company to negotiate with a clinic or hospital to see if a discount is possible."Consumers unwillingly pay higher prices for the same service at the same provider because of a contract between the insurer and health care provider, which the consumer is not a party to or privy to viewing," Hess said via e-mail. "If everyone paid the same rate for the same procedure at the same health care provider, we would not offer this service."
Hess and two co-founders, who also were health care consultants, started testing the business concept with friends and family in 2015. They established the business earlier this year as a limited liability company.
Currently, Athos Health is making the service available to people through their employers without a subscription fee. When they catch a mistake, the company retains 25 percent of the savings up to $500.
Starting this fall, the model will shift. Employers will pay a fee for the service, Hess said, and Athos Health will return 100 percent of the savings to individual patients.
Currently, companies with a collective workforce of about 1,000 employees have signed up for the service, Hess said. Athos Health asks them to submit every medical bill for review -- smartphone photos of bills can be submitted securely through the company's website, Hess said.
What I've seen that's truly horrible is very sick people having to deal with bills -- and sometimes huge overages -- by spending countless hours on the phone arguing with medical providers.
I can see this catching on -- and perhaps organizations offering it to members who are freelancers.
I just love America for all the entrepreneurial ventures like this -- those that the government doesn't try to squash like bugs.
Oh, and incidentally, here's what government's done to my care -- formerly a fantastic, affordable, all-inclusive HMO plan, which now has a big and unaffordable deductible. Now how much things will cost is kind of sketchy and scary, and you get the sense things could cost a lot more (beyond the estimate they give you) and that there's really nothing you can do about it.
Here's commenter johntp from the StarTrib site:
This is what our Health Care in this nation has become under ACA, not only the most expensive, the most complicated, bureaucracy laden bill, that tripled the paper work, for every cog in the system. At least an entranepuer is taking advantage and helping people out of this ill conceived mess. Just think how many man hours are involved just in billing and insurance company reimbursement and new regulations under ACA.
Was this as much of a problem before the ACA, or is that wrongly placed blame?
via @mark_j_perry








It was bad before. As usual, the government just made it worse.
MarkD at August 8, 2016 4:40 AM
Now we are paying ten thousand bureaucrats to oversee our healthcare. Of course the premiums have increased by a third and deductible are four times higher. That is what government does; take a big cut of every transaction they are involved in.
Steve in Tulsa at August 8, 2016 5:02 AM
As MarkD said, there were issues before. So the ACA 'solved' them by making them ten times worse.
I gave up and dropped my medical coverage. As far as I could tell if I have medical coverage I can't see a doctor. Here is the 'logic'. If you have insurance the doctor doesn't take they can't see you due to their agreement with the insurers they do take. But they can see cash customers. All of the ACA policies I am legally allowed to buy are not accepted by any doctor to the best of my knowledge. (I've looked. Honest injun there really aren't any. Bizarre.)
So, by buying insurance I guarantee I can't see any doctors. And I have to pay twice what I used to for that 'privilege'. I didn't like the medical industry before the ACA but the bill definitely made things worse.
Ben at August 8, 2016 7:53 AM
Like Ben, a lot of people get affordable health insurance without knowing if there are any providers who are in network. One thing that doesn't get mentioned is that some of these policies fall under the Blue Cross banner. Everyone thinks, "All doctors take Blue Cross." But what they don't know is that the ACA version is like a franchise and tried to low ball on the contracts. Almost no one signed agreements. The providers can only perform services out of network, which means Blue Cross will pay only 50% of the non-contracted cost AFTER the deductible has been met.
Fayd at August 8, 2016 8:25 AM
Last year I had Blue Cross Blue Shield of Texas. It cost ~$800/mo for a family of four with a $13k deductible. When it came time to renew I talked to the doctors we use and asked them if they would accept it next year. All of them said either no or not sure. With insurance doctor visits and procedures cost ~10-20% more than paying cash. The year before I had Humana. It cost a little less but I swiftly found out no doctors in the Houston metroplex took it.
For comparison, pre-ACA I paid ~$600/mo for that same family of four with a $2k deductible. And I could go to the doctor. That was a Humana plan. BCBSoT wouldn't take me because I have high cholesterol. BCBSoT managed the government subsidized plan at the time. So if you weren't superman they wanted to take you under the government plan where they got more money.
Ben at August 8, 2016 11:10 AM
"All doctors take Blue Cross."
Yeah, there's still an assumption in a lot of places that Blue Cross is always the best. Not necessarily true any more -- the devil is in the details.
Cousin Dave at August 8, 2016 12:02 PM
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