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        More treatment/medicine/tests from hospital if can claim all from insurance?

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        Old 24-07-2020, 08:45 AM   #1
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        More treatment/medicine/tests from hospital if can claim all from insurance?

        If you have insurance that allow you to claim full amount from hospital bill, do you experience getting more treatment/medicine/tests from hospital? Some doctors, especially private ones, may do that to maximise their profit. The incentive to behave in this manner is certainly there. As patients, it's unhealthy to be subjected to unnecessary treatment due to side effects.

        THis is a concern for people who can claim full from insurance.

        Anyone experience such things for themselves or loved ones? This kind of thing is subjective and hard to verify but I will still like to hear your experience.
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        Old 24-07-2020, 09:02 AM   #2
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        Not a personal experience but thought this is fairly common hence the high inflation in medical sector which resulted in higher premiums.

        IIRC there were articles mentioning these few years back.
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        Old 24-07-2020, 10:10 AM   #3
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        If you have insurance that allow you to claim full amount from hospital bill, do you experience getting more treatment/medicine/tests from hospital? Some doctors, especially private ones, may do that to maximise their profit. The incentive to behave in this manner is certainly there. As patients, it's unhealthy to be subjected to unnecessary treatment due to side effects.

        THis is a concern for people who can claim full from insurance.

        Anyone experience such things for themselves or loved ones? This kind of thing is subjective and hard to verify but I will still like to hear your experience.
        Not necessarily more treatment, as that's a potential medical malpractice lawsuit. But private hospitals are definitely incentivised to keep you in a hospital bed longer. My sister had surgery for hemorrhoids at a private hospital. Doctor did everything in their power to keep her hospitalized for as long as they can, for "observation". My sis did everything she could to get out haha, because she doesn't like staying there, even though insurance pays for everything. Eventually she threatened to stop paying for further stay, before the doctor will let her leave.
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        Old 24-07-2020, 10:22 AM   #4
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        My parents do not have insurance but under high subsidies staying in C ward. Doctors also will subject them to many tests to investigate/learn/identify the causes/weakness to determine possible treatments, treat and test like GP.

        We ourselves need to think, learn, question and discuss whether all these are necessary/help, the pain/sufferings by the patients being subject to all these test/treatments, etc. If it is terminal, dun do it, let them enjoy their last days rather than trying to prolong their life and sufferings for a few more mths or years.

        So it is not just free or not, cheap or not.

        If I have to stay in the hospital for monitoring/treatment, or because I dun want to bother others to caregive at home, I will choose to stay in the hospital longer, since I can claim 100% with rider.

        So there are many considerations.
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        Old 24-07-2020, 11:30 AM   #5
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        There's an emerging understanding that getting primary care earlier is generally terrific. ("An ounce of prevention is worth a pound of cure.") Governments have started to figure this out, belatedly. Examples include the U.S. Patient Protection and Affordable Care Act ("Obamacare"), mandating that virtually all insurance plans must include a fairly hefty package of free preventive services such as free mammograms. Here in Singapore examples include the free, school-based HPV vaccination program; the CHAS programs; and free annual colon cancer screening tests from the Singapore Cancer Society. You really don't want to shortchange any reasonable preventive care if you can avoid it.

        At the opposite extreme there's the Joan Rivers anecdote. She had purely elective cosmetic surgery, it was botched, and it killed her. Any invasive procedure comes with some inherent risk, so you ought to weigh that risk carefully and with good advice. And it's perfectly OK to ask questions like, "Is your advice in any way influenced by financial interests?" or "Do you stand to gain personally if I decide a certain way?" A true professional will disclose or at least make clear his/her potential conflicts of interest and won't be offended in the least.
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        Old 03-08-2020, 01:44 PM   #6
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        If you have insurance that allow you to claim full amount from hospital bill, do you experience getting more treatment/medicine/tests from hospital? Some doctors, especially private ones, may do that to maximise their profit. The incentive to behave in this manner is certainly there. As patients, it's unhealthy to be subjected to unnecessary treatment due to side effects.

        THis is a concern for people who can claim full from insurance.

        Anyone experience such things for themselves or loved ones? This kind of thing is subjective and hard to verify but I will still like to hear your experience.
        Not my personal experience but I do hear story of similar case which end up on the insurance company deny the claim.

        So now I think have this thing call Pre-Authorization from insurance company that you need to get it before you go for your treatment, so hospital can't add more treatment to you i guess? and also you have higher chance to get your claims.
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