I'm going to put in my 2 cents here as a former legal secratry for personal injury attorneys.
I have read about 4 pages but no further.
I will tell you where some major BS is in this system....as Follows:
Lets say, you are in a car accident and your PIP-- (personal injury protection) covers 10,000 of your emergency room coverage with a $500 deductible. The ER based upon a car accident is going to ---bill your insurance comapny for full price. After that is used up........ There is a special phone number for attorneys to negotiate the price of your admittance and care. This was part of my job. Negotiating with the Major Hospitals, Doctors, chiros, and all others concerned....after the fact!
Guess what, most hospitals would reduce their bill by 45 percent, doctors, xray firms, etc., would acutally drop the charges....and then you would see them the following week going to lunch with the attorneys.
This my friends does not work for anyone uninsured. You are billed full price by all involved with no negotiating power.
Those insured are paying a nice reduced rate despite their deductibles.
The uninsured are raped and pillaged at anyones whim.....at inflated prices. No negotiating is discussed.
Guess what, as an uninsured at this point, after paying in for years......I refuse to pay, ,,,,and I argue big time. Refuse to pay certain bills, and then......they they are dropped.
any questions?
Just ask....R. (amy)