Reply to Carefirst out of network benefits suck / allowable charges racket

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Reply to "Carefirst out of network benefits suck / allowable charges racket"

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[quote=Anonymous][quote=Anonymous]Im so curious where they get the allowable amount when literally no one charges anything in the ballpark. [/quote]

I have family members in other parts of the country who get charged $80-90 for a 60 minute therapy session, but in lower COL areas.

This is a solvable problem because therapy is something that can actually be done pretty effectively via telemedicine (unlike the vast majority of other medical services) and if we overhauled the system for certifying, providing, and paying for therapy, we could probably create a system with a decent option that got people access to what they need, in-network, while even still leaving a profit margin for insurance companies (why we need to create a profit margin for this idiotic parasitic industry that offers no value add whatsoever is beyond me, but this is consistently what Americans have decided they prefer over single payer for reasons that I will never understand).

But we don't. We just limp along with this hodge hodge system where therapists have to be licensed in the state where you live even if you are receiving tele therapy, and therapists themselves are all expected to be small business-owners even if no aspect of becoming a therapist prepares you for the logistics of that. We have a massive shortage of therapists in this country and we keep waiting for the private sector to solve this and whenever they do, it still just winds up costing too much and not being covered by insurance. There is a fundamental refusal to actually solve this problem.[/quote]

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