When George Lai of Portland, Oregon, took his toddler son to a pediatrician last summer for a checkup, the doctor noticed a little splinter in the child’s palm. “He must have gotten it between the front door and the car,” Lai later recalled, and the child wasn’t complaining. The doctor grabbed a pair of forceps — aka tweezers — and pulled out the splinter in “a second,” Lai said. That brief tug was transformed into a surgical billing code: Current Procedural Terminology (CPT) code 10120, “incision and removal of a foreign body, subcutaneous” — at a cost of $414.
Yeah, maybe, but it’s also a serious question that comes up in practice
Why should I personally subsidize your care because the system is bullshit? Why should the burden be placed on me? I already have a sliding scale for low income patients (that gives me no tax benefit whatsoever), I already write off thousands in bad debt rather than ruin people’s credit by sending them to debt collection (which is income I just don’t receive, to be clear).
When a fix isn’t in place, isn’t proposed, and isn’t coming, what do you propose I do? Just not bill people? Reduce my already kind of shitty income further?
For the record I make about 50-60k a year and have 100k in student loan debt. Also given the nature of my work I have no benefits whatsoever so with that salary I have to self fund health insurance, vision, dental, retirement, days off, etc.
So again I propose what is the solution here? I can’t work for free and at a certain income point the job no longer becomes feasible. I have to do what I can within this deeply flawed system to be able to provide care while still providing an income for myself because if I don’t do that I will starve to death. Thanks for comparing me to a nazi though
Have you investigated direct primary care programs as a “subscription” model to the services you provide? Like what’s described here:
https://www.aafp.org/about/policies/all/direct-primary-care.html
I’m not a physician or in medicine at all, so this is genuine curiosity on my part for an idea that was recently described to me. I’m looking for feedback from someone that lives inside the system on if they even think something like this is feasible or has potential to succeed.
I’ve investigated this in that I’ve polled some of clientele on the idea and the general feedback I’ve gotten is some interest but generally rejection
I think the issue is twofold:
One: I’m mental health, and for any specialization a subscription model potentially doesn’t make sense. You may utilize our services heavily for a period then suddenly not at all or minimally.
Two, and the bigger one: most people polled did not have an interest in paying for such a thing when they already had insurance benefits via their workplace. This is understandable and gets into a great deal of complexity. Decoupling insurance from jobs is often cited as a huge need and that obviously necessary. But additionally the current system only allowing changes to insurance annually really hampers this too.
Finally, one frustrating point on this topic is contractual obligations with insurers. If I implement a system like this and continue to take insurance as well I run into issues because of the above situations. If you have insurance and decide to subscribe instead, planning to potentially cancel your plan in 8 months when you can renew your benefits package, I can actually be penalized for billing you privately when I knew you were a subscriber of a plan I was in network for.
Not all insurances do this but a lot have this in their contractual agreements. It would jeopardize my ability to maintain network status for the clients I do take insurance for and potentially cost me tens of thousands in clawback payments if I were ever audited for being out of compliance.
Thank you for the detailed response.
I was aware that there were coverage contracts with insurance providers that could potentially get in the way of this, but I hadn’t really thought about the “I already have insurance, why buy this?” aspect, but it seems obvious in hindsight.
The sporadic usage of specialists, which I would qualify mental heath as one, also doesn’t necessarily lend itself to this model.
I think I stand with the majority of people in that all healthcare, of which mental health should be a substantial part, needs an overhaul in the U.S.
It’s the how that becomes the difficult part.
