No more waking up after a surgery that you thought was free of charge thanks to your hard earned insurance, only to find out that never heard of before bills are just waiting around the corner.
This scenario might sound incredulous to those who are not in need in of any medical assistance, but it is a true and sad story, for many Americand who did need medical care.
In the state of New Jersey, lawmakers are getting ready to issue a bill according to which the patient has to be informed about every procedure he might be submitted to during his stay in the hospital. Next to the procedure there should be two other things, whether or not the procedure is covered by health insurance and if it isn`t, then how much does it cost.
State officials reckon that a minimum of 30 days have to go by between the period the procedure and its cost is presented to the patient the time when the procedure will actually be necessary. Through this measure, the patient will be offered the ability to choose where his money are going.
This measure targets mostly those medical specialties who are not included in the medical insurance: anesthesiology and radiology. The new bill states that other procedures which are not covered by insurance cannot exceed the media of other procedures by more than 2& 1/2 times.
The new bill also takes care of the out-of-network problem which might come up in emergency situations in which a person seeks medical help even though they are travelling out of state.
Still, there are some problematic aspects of this new bill that have to be addressed, first of all there is the problem of all the new bureaucracy that needs attending and which might slow down the treatment that a person should receive.
Medical representatives blame the insurance company for the majority of such problems and they accuse them of being unwilling to offer fair payment to doctors doing their job and say that if a fair compensation were to be offered, these expenses could easily be covered by health insurance.
The problem of accessory costs is not a cheap one and it is estimated that around $1 billion is being paid for such claims every year.
The new bill has not been approved and is awaiting to be heard by the Senate Commerce Committee, but by the looks of it, it will be approved by the end of this month.
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