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Maybe it's just something you ate
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this post was submitted on 28 Sep 2023
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There's a lot of problems with the American healthcare system, but one of the benefits to providers being businesses is that you can refuse to pay for services they don't actually provide.
They'd charge you for being present in the room, let alone receiving consultation. If they can bill it, they will.
Reminds me of the innkeeper from Les Misérables
After surgery while recovering in a teaching hospital the doctors came through with a boatload of residents who did nothing but watch and listen. I later found out that every single one of those residents billed for each visit.
If you don't know how to dispute a charge and just roll over and take whatever the system throws at you, sure.
There is no need to be disingenuous to be right. You can dispute any charge for services non-rendered in the US, for anything you pay for.
Provided it is a charge, that is to say, paid with Visa/MC's or your bank's money, and transacted over the CC issuer's payment network.
Quite simple a process and at that point, you have hella bigger guys with interest (not in your money but on the interchange fees riding in that funds transfer. They will get theirs back, and so do you get yours.
There are far more people than you seem to realize that simply do not have access to such credit opportunities.
Even a cash payer for healthcare services would have a headache with our legal system should they need to sue for breach of contract.
That one also sucks, in case it wasn't clear. And again, is the avenue of a privileged subset.
For the majority of Americans, it's insurance paying. So that means an insurance appeal.
And well... that's a system in the sense a shifting labyrinth is a system. But don't take it from me:
https://www.propublica.org/article/how-to-appeal-insurance-denials-too-complicated
Yes, and then the credit reporting agencies ignore your disputes for months, or possibly forever, and in the meantime anything you try to finance will cost more, if you can get it at all.