Health Insurance Home Visit

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Well folks I just got off the phone...it is legit and it is a new service as they say to keep you healthy. However as some of you folks said it isn't mandatory at all and I was given a number to cancel the visit.... So the people that called me were dishonest.

In no way does it limit my insurance or benefits. Apparently a disingenuous hard sell..
Thanks all...
Glad u got it straight. I been dodging that BS for several years. I am on medicare and have supplemental thru former corporation I retired from. Those crooks even put calls in that show they are my insurance company YET I discovered they are NOT telling the truth. Do like I and someone else said. Dont answer them. Your insurance will send you communications thru USPS if they truly want to correspond with you.
 
Glad u got it straight. I been dodging that BS for several years. I am on medicare and have supplemental thru former corporation I retired from. Those crooks even put calls in that show they are my insurance company YET I discovered they are NOT telling the truth. Do like I and someone else said. Dont answer them. Your insurance will send you communications thru USPS if they truly want to correspond with you.
Yeah sort of like the losers that come out after a hail storm and act like they are working for your insurance company.. thanks
 
Yeah I’d just simply refuse to answer if they showed up. Or if they wanted to come in I’d just refuse literally everything. I will not be forced to go through a medical exam I’d stand my ground Jim. I haven’t seen a doctor in years and none need to be coming to my house either. I have health insurance through my work simply in case I get deathly sick or something.
 
Yeah I’d just simply refuse to answer if they showed up. Or if they wanted to come in I’d just refuse literally everything. I will not be forced to go through a medical exam I’d stand my ground Jim. I haven’t seen a doctor in years and none need to be coming to my house either. I have health insurance through my work simply in case I get deathly sick or something.
You and Zee apparently are on a first name basis! 😂
 
20+ years ago, my wife signed me up for a life insurance policy. ( “Gotta make sure the kids have college tuition money if you die”🤣) To get me on the policy, the company sent a nurse-wannabe to my house and took a sample of blood. I didn’t like that idea at the time. What’s stopping her from blabbing about my property, getting a mental note of my belongings and telling a crook? Anyway, all went well. Until a couple of weeks later she gave me a personal phone call on our landline and tried to sign me up with Amway. 🤣
 
Not true.
Which part is not true?

"You're eligible to take a certification exam if you hold an active RN license and have a minimum of 500 clinical hours under the supervision of a physician." Of course this is after obtaining a nursing degree (which is about nursing not medicine, there is a difference). An MD /DO gets at least 15,000 hrs. plus. I'd rather go with a Doctor, even an intern, they are going to medical school unlike a PA/NP. Noctor who call themselves doctors have a PhD not an MD and it's administrating in like clinic management, not care related.


Cosmetologist: 1500 hours


Online schooling.



I don't want to get into a thread war, these are facts, I know a few things about the medical industry and always warn people against using NPs and PAs. They google things, they have secret Facebook groups they talk to each other to diagnose basic things like diabetes. They will prescribe antibiotics for everything. They have little to no diagnostic skills.

To anyone going to their doctors office, make sure you are being scheduled with an MD or DO. By the time the PA / NP runs you case by the doctor, if at all, you are out the door.
 
20+ years ago, my wife signed me up for a life insurance policy. ( “Gotta make sure the kids have college tuition money if you die”🤣) To get me on the policy, the company sent a nurse-wannabe to my house and took a sample of blood. I didn’t like that idea at the time. What’s stopping her from blabbing about my property, getting a mental note of my belongings and telling a crook? Anyway, all went well. Until a couple of weeks later she gave me a personal phone call on our landline and tried to sign me up with Amway. 🤣
I think I saw this plot on SVU….
 
Which part is not true?

"You're eligible to take a certification exam if you hold an active RN license and have a minimum of 500 clinical hours under the supervision of a physician." Of course this is after obtaining a nursing degree (which is about nursing not medicine, there is a difference). An MD /DO gets at least 15,000 hrs. plus. I'd rather go with a Doctor, even an intern, they are going to medical school unlike a PA/NP. Noctor who call themselves doctors have a PhD not an MD and it's administrating in like clinic management, not care related.


Cosmetologist: 1500 hours


Online schooling.



I don't want to get into a thread war, these are facts, I know a few things about the medical industry and always warn people against using NPs and PAs. They google things, they have secret Facebook groups they talk to each other to diagnose basic things like diabetes. They will prescribe antibiotics for everything. They have little to no diagnostic skills.

To anyone going to their doctors office, make sure you are being scheduled with an MD or DO. By the time the PA / NP runs you case by the doctor, if at all, you are out the door.

While I see what you are saying and don’t totally disagree with you on this….

I have see MDs be wrong and CLUELESS about basic circumstances….

A man I had as a patient died on the operating room table…. It was a BIG deal situation called a sentinel event.
I asked the MD for wound cultures, blood cultures, a broad spectrum antibiotic and a hospitalist MD consult… Got no on all requests….

I was just a RN with only 2 years under my belt.

A few days later he passed away and coded on the table.

This MD was a good man and honestly never had any real trouble with any other patients he had. He was a good doctor in my opinion even despite what happened there.

He just SCREWED up and got in way, way too far in and didn’t realize just how severe a circumstance that man was in.

This idea MDs are perfect and or so great… is not true.

I had an intern residency MD get mad at me…. And I mean a bad attitude with me when I told that nimrod I couldn’t see the colored letters in a circle page just inches from my face…. Well I maintained my patience and did behave well… But I did tell him I couldn’t see anything with my left eye…

I was 20/1000 in that eye by the way…

Well resident Dr Numbnuts finally took a pen light out of his jacket and went across my left eye… And his face changed greatly and color ran from his face and he said, “ ohh wow. Yeah I guess you really can’t see out of your left eye.” To which I said back to him rather annoyed, “ that’s what I have been trying to tell you.”

I have a number of other stories to tell…

To be clear… thank goodness the strong majority of our hospitalist MDs were generally quite good where I worked at in the hospital. And put specialists generally were rather good too.

But things did happen.
 
Which part is not true?

"You're eligible to take a certification exam if you hold an active RN license and have a minimum of 500 clinical hours under the supervision of a physician." Of course this is after obtaining a nursing degree (which is about nursing not medicine, there is a difference). An MD /DO gets at least 15,000 hrs. plus. I'd rather go with a Doctor, even an intern, they are going to medical school unlike a PA/NP. Noctor who call themselves doctors have a PhD not an MD and it's administrating in like clinic management, not care related.


Cosmetologist: 1500 hours


Online schooling.



I don't want to get into a thread war, these are facts, I know a few things about the medical industry and always warn people against using NPs and PAs. They google things, they have secret Facebook groups they talk to each other to diagnose basic things like diabetes. They will prescribe antibiotics for everything. They have little to no diagnostic skills.

To anyone going to their doctors office, make sure you are being scheduled with an MD or DO. By the time the PA / NP runs you case by the doctor, if at all, you are out the door.
Again not looking to have a thread war as you said, but I agree with you.

Here’s how I see it. Your windshield breaks, you have a $100 deductible (I think some states like Mass. it’s $0).

So if I have to pay $100, do I want OE BMW Saint Gobain Sekurit that costs $800, or the Safeco that costs $170, retail? I want the $800. Insurance wants the $170.

The Pa NP thing is the same, helps the insurance co. I want the MD or DO as it’s the same cost to me.

That’s what I mentioned about CHOP urgent care 2 nights ago. Walk up to reception, seeing a MD in 5 minutes. There are pediatric urgent cares according to google. Every urgent care I’ve been to is a PA or nurse, never a MD. It’s an insurance arrangement, not the preference of the patient. Jmoymmv…
 
Again not looking to have a thread war as you said, but I agree with you.

Here’s how I see it. Your windshield breaks, you have a $100 deductible (I think some states like Mass. it’s $0).

So if I have to pay $100, do I want OE BMW Saint Gobain Sekurit that costs $800, or the Safeco that costs $170, retail? I want the $800. Insurance wants the $170.

The Pa NP thing is the same, helps the insurance co. I want the MD or DO as it’s the same cost to me.

That’s what I mentioned about CHOP urgent care 2 nights ago. Walk up to reception, seeing a MD in 5 minutes. There are pediatric urgent cares according to google. Every urgent care I’ve been to is a PA or nurse, never a MD. It’s an insurance arrangement, not the preference of the patient. Jmoymmv…

Maybe my insurance is different but it has not interevened in my decision to schedule with a PM or MD. Anyway, if you want to be seen by a Dr, here is an urgent care clinic that has MDs on staff:

 
Maybe my insurance is different but it has not interevened in my decision to schedule with a PM or MD. Anyway, if you want to be seen by a Dr, here is an urgent care clinic that has MDs on staff:

Actually I can give an example of insurance v. health care system v. us.

Years ago when I had my employer's insurance who is Aetna, a "wellness" visit was free, once per year. It's along the theme of this post. This in theory actually might be a win win for the insurance co and the patient. A piece of paper would have the doctor check off, that BP, glucose, and cholesterol were looked at. ONLY THAT THEY WERE CHECKED, and it could be scanned and emailed back by the employee to HR. Not sure how many forgeries this created. As once my employer acknowledged, we'd save $40 per pay.

Once the task went to Meritain (owned by Aetna?), it wanted the actual values, and certification to come from the doctor's office, not the employee.

At any rate, the fine print would be a note to the physician--the wellness visit shall be no cost out of pocket to the patient.

I'd be flabbergasted every time. My doctor's office would collect $0 from me, but then I'd get a bill for the copay, which was $20, and went up to $30. By the way my doctor's office is one of the large health plans in Philadelphia, not a private practice.

Here's the explanation and my boss got the same one in NJ, same health plan.

Wellness checkups shall be done by nurses only, not physicians. If a patient chooses to have a wellness checkup done by a physician, then it will be deemed a regular visit. BOOM!

So no, insurance doesn't say ultimately what to do, but they do in fact along with the provider, determine patient responsibility. It's crazy imho.

Again, not disagreeing with you. For what reason, would any of us, want someone to treat us, who didn't go to medical school? I really believe insurance is telling us, do your part and lower costs for everyone. Really. How about teladocs etc?
 
I got a similar call. I have Medicare and HealthNet for Parts B and C. I told them I wasn't interested in a home visit. A couple of weeks later I got a call from my Primary Care provider. They told me that I needed to come in for my annual checkup in order to maintain my insurance. No problem. Just the usual check of my blood pressure, asked a few questions and then drew a blood sample and sent it to a lab for analysis.

By the way the questionaire included things like "are you depressed" or "have you had suicidal thoughts ?" But I have never been asked by any doctors if I owned firearms. That is some garbage that the CDC is pushing and it's none of their business.
If some doctor ever thought they were entitled to an answer I would pull a Christopher Wray and say "that topic is currently under investigation and I am unable to comment".
 
They bombed me 3x yesterday and the last guy hung up on me.
All in good fun. The mandatory nonsense is what was bad. It wasn't and that was the issue.
This is a Medicare recommendation for Chronic Care Management (called CCM). I don't recall if you mentioned what your insurance is but for private Advantage plans there is an additional incentive payment from the government to the insurance company if they perform the CCM. It helps identify chronic issues and start managing them early rather than leave it for later when they are a more expensive problem.

Nothing sinister except for the motivations of the insurance company, which exist to make profit, and the government which in this case is mandated to provide healthcare but doesn't want to.
 
😂
I already thought about that but probably some dude... 😭


It maybe me to could come by and see ya Sunshine….

:LOL:


Swear to goodness zee09 I had a home health RN come to see me 12 years ago and…. HOLY cow…. She was a stunningly beautiful blonde young lady… I mean stunning…top 98th percentile of beautiful women I have worked around…. And I have worked around many women in my time. she was very nice too.
 
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