Today, providers are many times incapable of providing the total cost of services.
Why?
Well, most times a procedure (or surgery) is make up of multiple parts and is delivered by multiple organizations. For example a tonsillectomy may include services from a hospital, an anesthesiologist and a ear/nose/throat surgeon. Add up the 3 bills you get and you get a total cost. Unfortunately not one of the three parties can give you a complete price quote.
This is where bundled services come in. What we need is mandated bundles and published pricing for those bundles by the providers not the insurance companies. Then, you can find the best price by shopping a retail model. Perhaps even negotiate. Finally, you can use your insurance to apply a discount. Easy.
Ask your elected official for real healthcare reform. Ask them to force providers and pharmaceutical companies to publish their prices and to stick by them.
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