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Andrew
"Crocodile" Ray
AVANTI DESIGNS
Contributing Columnist
E-Mail Column Response: CLICK
Public Column Response: RRSMB
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THE
MEDICAL INDUSTRY SCAM
Now as many of you know my very own mother is a doctor so this little
rant is not some uninformed tirade about the medical industry by
someone who is
completely ignorant of how it works. I recently received a bill
from an ophthalmologist for a procedure performed in his office.
The bill was for $775.00 of
which my insurance paid $281.10 and I paid my deductible of $70.27
the remaining balance of $423.63 was written off by the doctor’s
office. Now here is the
problem. I had a skin tag on my eyelid it was a small flap of skin
about the size of a pencil lead and about 1/16 of an inch long about
the size of a small
wart. I would have removed it myself but I thought it might cause
scar tissue and cause my eyelid to funk up so I went to a doctor.
He came into the room I
explained that I wanted it removed he took a pair of small scissors
and clipped it off. Pressed a cotton swab to it and then used a
little soldering iron to lightly
touch it and cauterize the spot. Total time from when he walked
into the room 6½ minutes. Yes, I timed it. Then I was back
out the door and signing paperwork.
If I had known that was all it was going to be I would have done
it myself. No pain shot or bandages or fancy freezing solutions
just snip dab and there you go.
Their expense was the cotton swab and an autoclave round for the
scissors. When I saw the bill I freaked out and called their billing
department to argue the charges.
They told me in no uncertain terms that this was a fair and usual
charge. At nearly 100 dollars a minute I find this hard to believe.
I was not able to get them to
modify the bill and my insurance company upon hearing my story didn’t
seem too concerned either. This unconcern and lack of business acumen
is why my
insurance premiums are so damn high. I personally would not go back
to the Johnson City Eye Clinic ever again just because of their
business practices. A redeeming
quality of the entire thing was that the doctor was nice. Even though
he practices there he has no control over the billing on every item
that goes through the place.
They were willing to bite the write off of $423.63 just to get what
they did get. It just goes to show you that the bill was overly
inflated with padded prices so
they could sucker as much as they could from the insurance and the
patient.
Another incident happened at Sycamore Shoals Medical Center last
New Year’s Eve. I woke up with a horrible pain in my mid section.
I honestly thought I was
dying it was so severe. Upon reaching the hospital, they drew blood
and x- rayed me and came back with the conclusion that I was passing
kidney stones. The
whole ordeal was soon over and I hope I never have to go through
it again. When I got my bill several weeks later I was concerned
about the cost. I requested a
detailed billing and when it arrived I received quite a shock. There
were two pregnancy tests on the bill in addition to everything else.
I called the billing office
and was informed that this was standard procedure before an x- ray.
Now, for a female, I can understand. You don’t want to zap
a growing fetus in the womb
without a really good reason. But as most of you are aware, I am
a man, one hundred percent ugly, hairy, deep-voiced, mustached,
and sometimes bearded man.
Sure, I’m fat and got a big belly but I hope that most people
can tell that I’m not a lady. The billing department would
not budge and I refused to pay the
portion of the bill equal to the two pregnancy tests. Weeks later
I received a statement from my insurance where they had paid their
part of the bill. I was
outraged! I called and argued with them and was met with the most
nonplussed, I-don’t-give-a-damn attitude that could ever be
imagined. I went to the hospitals’
billing department in person and argued my case with the man- hating
lesbian in charge and she refused to remove the two tests from my
account. I offered to
prove to her in a pique of rage that I was a man by showing her
I had the right plumbing but she threatened to have me thrown out.
I went to the hospital
administrator’s office and spoke to a secretary there who
assured me that my concerns would be passed on the administrator.
That was 3 weeks ago and I have
not heard a word but I have received a late notice from the billing
department of the Sycamore Shoals Hospital threatening collections
action if the bill is not paid
in full. Monday, I am going to the Court House and filing a small
claims case against them. I will ask that the bill be dismissed
and depending on how hard it is
for me to find a parking place at the Court House, I might ask for
compensation for missed hours of work in trying to resolve this
as well as compensation for
damage to my credit history if they have reported it. If I get much
grief, I might ask for about a bazillion dollars in mental anguish
for causing me to doubt
my gender and giving me an identity crisis!
On the flip side, I have to look at it from the hospitals’
point of view. The hospitals are out to make a buck just like any
other business but unlike other
businesses they have to serve everyone regardless of their ability
to pay for services rendered. In other words, if John Doe deadbeat
goes to Wendy’s and
wants a burger he doesn’t get one unless he can pay. This
also goes the same at the local Ford dealership or any other business.
But he can get a cold, go to
the emergency room and they cannot legally turn him away. The result
is he gets seen for ‘free’. Sure, they will bill him
but he won’t pay and quite frankly
there is nothing they can do about it. So their solution is to really
stick it to the paying customers to make up the loss. As a result
the insurance rates
go up, up, up and the cost of medical care escalates beyond control.
I don’t think government regulation is the answer though.
Sure Canada is supposed
to be a prime example of government-managed health care that’s
why all the flop headed Canucks come here and pay cash to have their
important time
sensitive procedures done. They can’t wait 5 years on a list
to have a gall bladder taken out or a heart transplant. No the government
screws up any sort
of business it touches. I don’t know what the answer is but
from now on I will refuse to pay any bill that is to high or wrong
and before anyone in my
family has a non emergency procedure performed it will be agreed
upon before what the price is after I have researched the cost and
accounted for a
reasonable profit margin. For example in Brookes (My Wife) last
surgery on her ears where they restored her hearing they charged
us 750 on the detailed
billing for a disposable set of surgical gloves that the doctor
wore during the operation. Using their own stock invoice number
I matched it up to the
same item in Baxter pharmaceuticals supply catalog from my moms
office. A case of 100 of these gowns is 22.00 dollars. They are
a plastic backed
paper gown meant to be used once and then thrown away. Lets be generous
and include another 20 dollars for shipping and ignore the fact
that the
hospital most likely gets a bulk price which is much less than what
a small private practice like my mother has to pay for the same
item. That places the
cost of each gown at 2.38 if we add in an unreasonably high profit
margin say 1000 percent it brings the cost of one gown to 23.80
which covers the cost
of the entire order of gowns. How on earth then could they justify
750.00 for this item? I went through the itemized bill spending
most of my Christmas
vacation cross-referencing prices from various manufacturers. And
came up with a revised bill that allowed for a 300 percent profit
margin. Their
original bill of 47,000 dollars for an afternoon outpatient surgery
was adjusted by me down to 11,600 which I thought was still extravagant.
I refused to submit the bill to my insurance because those idiots
would pay the thing and then raise my rates. After 3 weeks of arguing
in which I
refused to budge a single cent they capitulated and agreed upon
the new billing. Mind you this was not for the physicians bill it
was for the hospital only.
The physician charged 975.00 for the entire surgery which I found
to be quite acceptable and paid without a complaint. I think the
fact that I had their
suppliers cost and was allowing for a 300% profit margin and it
was still 80% less than what they were charging me made them feel
like the thieves
they were in trying to slide that bill across. What I wonder is
how many people actually question these non summarized bills and
just bite the bullet and
pay what is asked? I mean who in their right mind pays 12 dollars
for an aspirin. You wouldn’t go to the pharmacy and pay 1200
dollars for a 100-count
bottle of aspirin why then should you let the hospital charge you
that price. Remember my saying “YOU ARE THE CONSUMER NOT A
VICTOM” Question
the prices and practices of those bills and get them to agree upon
before hand the price for certain procedures if possible. Do not
give them your
insurance info until after the price is settled upon. Otherwise
they will just bill the living hell out of those fools and they
will gladly pay it. You can show
them you have proof of insurance but that you are not paying until
some things are agreed upon first. I mean you don’t go grocery
shopping and guess what
the price of a can of beans is or go to buy a car and have to wait
until after you drive off before you are hit with the bill. Demand
satisfaction. If more people
will fight back then perhaps the medical industry will do something
to correct itself.
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SKIPPING
ROCKS
A
week ago I took my kid Ethan to the shooting range for a few hours
to knock over pop cans and practice gun safety. When we got home
I realized he was sun
burned. Now keep in mind we were there for perhaps two hours and
were under the same conditions. Ethan has in years past tanned as
brown as a nut while I
being a red head will burn at the drop of a hat. I’m the proverbial
Twinkie when it comes to sunlight. We hadn’t stayed out long
enough to even get me slightly red
while he looked like a cooked lobster. That’s when I realized
he was spending way too much time behind that fool x-box playing
Halo 3. I decided to start getting him
outdoors more. We tried fishing and that was a bust. I’m the
world’s worst fisherman and couldn’t teach anyone else
how to fish to save my life. So we tried a nature
walk at the local historic park complete with a recreation log fort
and a winding trail along the riverbank. I noticed all the smooth
stones on the bank and thought
here is something we can do. I tried to show him how to skip rocks
across the water. Making a competitive game of it would help him
understand a small aspect
of sportsmanship along with developing hand eye coordination. At
the end of an grueling hour of not loosing my temper Ethan had mastered
the art of flinging the
rock directly at the water and exclaiming how this was gay and he
wanted to go home and play on line with his little knotty brained
friends.
Once again perhaps
I’m getting too old but when I was 18 I was outdoors with
guns and riding around the county with my best friend George in
his pickup or my nova,
looking for excitement in a very dull town. Sure we played our share
of video games I was a Galaga champ but we also went hiking in the
woods, went cruising, blew
things up, and lusted after girls among many other things our mothers
would have rather we not done. All healthy activities for young
boys who were bored. But no, not
my kid and evidentially most of the other little numb skulls out
there today. If it isn’t on the computer flat screen they
are not interested. Today’s youth is so wound
up in technology they are loosing contact with others of their own
age. For instance text messaging, for gods sake just pick up the
phone and talk to someone. I really
don’t understand a form of communication that is slow and
cumbersome and requires learning a whole new form of language that
fails to impart emotion, and tonal
inflections. They communicate by e-mail, online, in blogs, chartrooms
and forums but they never meet one another. If it keeps up like
this we might be looking at our
last generation because the little turds will never actually meet
in real life and I will never have any grandchildren.
I finally gave
up at the riverbank and called it quits. My plan to acclimate the
child to the real world rather than the virtual world failed. I
guess he will become
a pail computer zombie with a large set of thumbs to work the x-box
controls. By the way I got 21 skips, pretty darn good don’t
you think? |
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MUSH
MOUTH REVISITED
Following up on the popularity of the 'Mush Mouth' article I got
to thinking about other things that people do with the English language
that
really irritates me. One of the big issues I have is the mispronunciation
of common words. I’m not talking about some obscure ingredient
in
a food preservative like methylchloroisothiazolinone, but more commonly
used words like 'Mexican' which is pronounced here as 'Messican'.
Following is a list of these words that come readily to mind, perhaps
you can think of a few more.
Tater
= Potato
Hollar = Hollor
Chimbley = Chimney
Ideal = Idea Incidentally my favorite pet peeve is this one. As
in "Hey, I have got a great ideal on how to get rich"
It makes me want to slap someone silly
Yallow = Hello
TB or Telebision = TV or Television
Mullion = Million
Mater = Tomato
Ears = Years
Bassily = Basically
Tor = Tire
Etchtible Gordon = Vegetable Garden
Bobby Q = Bar-B-Q
Arr Codishnin = Air Conditioning
Mode = Commode
Electorial = Electoral
Mote = Remote
Squarsh = Squash
Ketch = Catch
Ressirant = Restaurant
MMMBI = Bye, as in good bye on the phone they build up to it with
a long MMMM
Bout Dat = How about that
MoooBe = Movie
Dribe = Drive
Oh, I could go on and on, but think about it.
What are some of the phrases or words that irritate you the most?
Log on here and Vent in the RRS Forum Thread [CLICK
HERE] |
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TODAY'S
MUSIC
Every time I turn around my kid has his stupid I-Pod strapped to
his fool head. I took a look at his music and listened to some of
it.
What was I listening to? Sure every generation has music that the
previous generation hates. It’s a form of rebellion and I
can understand
and appreciate that. There was a time when listening Bo Diddley
and Jerry lee Lewis was thought to send kids to hell. Heck if you
go back
far enough that crazy Mozart was the equivalent of Oozier in his
day. But as I listened to my kid’s music I realize I couldn’t
understand
any of the words and the music was a disjointed sound like a train
wreck. I skipped around to several different artist and songs and
it was
an airplane crash with mutilated geese or a concrete truck impacting
an orphanage. At least our music and that of preceding generations
had a
tune you could follow and words you could understand unless you
were listening to Bob Dylan who no one could understand no matter
how hard
they tried. I tried to be open minded and asked Ethan what are they
saying in this song. He honestly couldn’t tell me. We had
a long discussion on
why he liked it and it turns out its because its what is out there
on the air and its what all his friends listen to, it didn’t
matter if he liked it or not.
I
had him listen to some ZZ Top from the Eliminator album and he informed
me that this was old and sad music. I played several different things
for him from Frank Sinatra to Buffett to Black Sabbath, and he sneered
at all of it preferring to listen to the unintelligible linguistics
of his
own generation’s music. Perhaps I’m getting old but
at least growing up our generation appeared to be open minded enough
to listen to the music
from other eras and evaluate it with an open mind. I remember the
first time I heard Samuel Barbers Adagio for Strings in C minor
and thought it
was the saddest and one of the most beautiful pieces I had ever
heard. How about Mel Torme singing Fly Me To The Moon, Jimmy Buffet
with
One Particular Harbor, or Led Zeppelin with the classic Stairway
to Heaven. I could ramble on and on like this, but needless to say
we never
came to an accord. I guess good music is only to be found on the
oldies channel on the radio dial. The other stuff just plain scares
me. |
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MUSH
MOUTH
I grew up in Hazard Kentucky as did most of you reading this rant
and I have never had much trouble understanding the speech and various
dialects of different regions in this country until I moved to upper
east Tennessee. I have lived in Arkansas, Louisiana, Arizona, Kentucky,
and
briefly in California. But never have I had such a communication
problem as I now have in Johnson City, TN. I am serious I have visited
nearly every
state in the union and have been to 11 different countries, I even
lived in Indonesia for a while but the inability of the natives
of this area
to speak intelligibly is amazing.
What
I'm referring to is what I call the 'Mush Mouth'. And now my kid
has it. Half the time I have no idea what the hell he is saying.
For instance
I will say Ethan are you hungry and the response is “ imdunnofo
iwannambrgr “. What the hell does that mean? When I answer
the phone at
work I say “Thank you for calling the Sleepzone this is Thomas
can I help you” Short to the point and it tells the caller
where they have reached,
who they are talking to and that I am there to assist them in clear
concise English enunciated as best as that old bat Mrs. Bassie could
train into
me in the 7th and 8th grade. But if I call Lowes for instance I
get some slack ass that is so tired of answering the phone for the
millionth time that
they just slur the words out in an unintelligible garble. “
thnkfrclnglwscnihlpu” What the crap is this, a disease of
the brain, and mouth. Have
they no gumption to care if they sound like a Neanderthal or not.
I
ride my kid about it constantly and won’t even respond to
him unless I can understand him. My wife says that I need to relax
and try to realize
that people here are a little more lax in their diction. I think
if they got anymore lax they would regress to a primordial state
and
use pseudo feet to ambulate rather than walk.
Speak
up America so I can understand you, don’t fall victim to the
mush mouth.
Remember
people judge you on how you sound no matter if its fair or not.
If you sound like a moron then they will treat you like a moron. |
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NATIONAL
FINANCES
We
got problems folks and everyone screams its George Bush's fault.
Now lets get serious do you really believe that one man and his
policies no matter
how inept and misguided could be responsible for the situation we
find ourselves in nationally? I mean really it’s a lot of
peoples faults including ours.
We all charge up credit cards, have our houses mortgaged and our
cars are no sooner paid for than we go finance another. The oil
companies are sticking it to
the American public while saying they are not price gouging and
yet this past year reported all time heights in their profit structures.
It’s the old pirate
philosophy of “Take what you can and give nothing back”
Now we see that the federal government is giving huge banks and
financial firms billions of dollars
to stay solvent. Just giving it to them. If I screw up and don’t
have enough money to pay my bills will the government or those same
banks give me enough
to cover my debts? I don’t think its that cold in Hell yet
do you? I actually read in an article if all the money given to
the financial sector in this past
month alone was given to the public instead it would average out
to about 30,000 per person. Now which do you think would stimulate
the economy
more. Giving the public that money which would be spent paying bills
and stimulating growth or giving it to the failing banks to cover
their bad lending
choices. If I had 30K I could pay about half of what I owe on my
house. That in turn would help those very same financial institutions.
But this way we
don’t get that money the bank does and we still owe them for
the full mortgage. Its like they are getting paid twice. And all
we get is a 600.00 per
person check to sort of whet our appetite.
Also the value of the dollar keeps falling and you know why? Its
cause it now looks like monopoly money. I just saw the new 5-dollar
bills in the Barney
purple and florid colors. It used to be money was green on one side
and black and white on the other. It had a dignity and looked refined
with pictures
of old dead white guys on the front. Now no one takes the stuff
seriously cause it looks like it was printed at Parker Brothers
or Hasbro. Bad financial
choices as a nation and funny looking money that’s just plain
to stupid looking to spend in any other country. We are headed towards
a huge
recession mark my words. Stock up on peanut butter and jam. |
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CURRENT
DATA COMPUTED
Well
it’s been a while since my last post and there is a reason
why. I was challenged by a reader to objectively look at global
warming and seriously study both
sides of the argument. I started looking into it and the more I
studied the more controversy there was. After nearly a year and
a half I have accumulated nearly
300 gigabytes of data including reports for and against global warming.
The myriad theories of every possible nature and from well respected
scientist
to idiot Hollywood actors and stupid politicians. Just because you
play a doctor on TV doesn’t mean you are one.
Anyway
I was going to write a long dissertation on my findings but as I
wrote it citing sources and studies it became bigger and bigger.
As it passed 30 pages
I realized this was going to be bigger than my dissertation in Graduate
school and this forum was not the place for such a lengthy article.
So I will condense
my findings down to a single paragraph and anyone who wishes to
discuss it with me in a rational manner may call and do so at length.
I don’t want
knee-jerk reactionary groundless arguments I want to hear some actual
facts to support your point of view. OK so here it is.
Yes the earth
is warming. It is not caused by man. Its nature. The sun contributes
more than anything else to this cause. Global warming and cooling
cycles are normal. For example the three ice ages one of which we
are still on the tail end of. Man does have an impact on the environment
in a
localized nature but not enough to affect a global scale. We just
don’t make that big of a difference.
So yes were
warming, deal with it, there’s nothing we can do. If its any
consolation in about 17,000 years it will all be under ice again
and I am sure people
at that time will guilt themselves into believing that their teleporters
and Bertol Ray devices are causing the current changes. Just remember
people that
this fantastic planet we live on is not a static environment. It
changes daily whether we are here are not. Its had massive temperature
changes and as few
as a single continent on more than one occasion in addition to ice
ages and massive volcanic obliterations and total global eradications
of all life on 3
documented occasions of which the dinosaurs were not one or even
close. We even had polar shifts where the North Pole used to be
at the equator on
2 separate instances. Provable by magnetic north in the rock strata.
It’s the weather guys and there’s not a thing you can
do about it.
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