I'm a Texan by choice, not by birth. I graduated from ICO in 1983. I
have a great practice in a great community with great medical
institutions located nearby. Until three or four years ago, I did not
file insurance. I always thought that ODs acted in their individual
interests at the expense of the profession. They created a monster
called VSP. I believe it originated in Caleefornyah, no? We now spend
50% of our time catering to the 16% of my practice that is managed
care. Texas has been one of the last states to feel the impact of
managed care. I think that speaks of innate native intelligence.
DrG
Maybe we should take this thread private, since it's not exactly
science, but there may be some interest; I'll defer to any complaints.
As a Californian by birth and by choice (I practiced one year in Alabama
right after graduation, then 2 years in Tx (Reese AFB Lubbock), then
moved back. As a heavy VSP doc, I sympathize with your feelings. Until
Intel chose EyeMed over VSP in Jan, 2005, I was about 80% vsp since my
office is a stone's throw from Intel's big Folsom plant ~6000 employees.
Now it's about 60% vsp, 20% eyemed. vsp has problems, for sure, but
eyemed is worse. Eyemed treats prescribed items like prism, high
powers, etc as patient options (like the patient can choose what parts
of his Rx is filled... guys like otis would love this). And their
reimbursements are lower than vsp, even though they promised they would
mirror the old vsp plan. Not.
Anyway, I don't think I could survive without managed care, and I have
found that medical diagnoses certainly open up some new possibilities
for o.d.s who aren't afraid to play the insurance game.
My advice to all o.d.s is to get your medical service fees up to par
with medicare levels (at least!) and bill the medical plan whenever you
can code a medical diagnosis. Hope the FTC isn't listening...
w.stacy, o.d.
> I'm a Texan by choice, not by birth. I graduated from ICO in 1983. I
> have a great practice in a great community with great medical
[quoted text clipped - 7 lines]
>
> DrG
Dr. Leukoma - 16 Apr 2005 23:46 GMT
Dear William,
I dare say that you could not survive w/o managed care. Please accept
my condolences.
My usual and customary fees are still below Medicare. If all of my
patients paid me out-of-pocket, I could continue to make a very good
living with fees below Medicare rates. I dare say, so could you.
Managed care steals from Peter(you) to pay Paul(?).
Last time I checked, I did not do surgery. Do you? I am a primary
care doctor. I don't have a single billing code that is more than
$250.
I also pay for private healthcare insurance for me and my family. It
is almost $1000/month, with a deductible of $1000. That pays for a
whole lot of eye examinations and contact lenses. We are under the
radar screen....or should be.
Best of luck to you.
DrG
DrG
Wooly - 17 Apr 2005 00:55 GMT
>Anyway, I don't think I could survive without managed care, and I have
>found that medical diagnoses certainly open up some new possibilities
[quoted text clipped - 3 lines]
>with medicare levels (at least!) and bill the medical plan whenever you
>can code a medical diagnosis. Hope the FTC isn't listening...
My ophthalmologist doesn't accept any insurance - cash in hand is his
policy and he does quite well. The hospital at which he maintains his
surgical priveleges does accept insurance but the doctor's fee is
billed separately and is, again, a cash proposition. He doesn't seem
to be hurting from what I can see (and I see quite well thanks to his
excellent service).
My optician also doesn't accept any type of insurance payments.
Both offices provide detailed billing statements for my convenience -
as if filing an insurance claim is "convenient".
The "vision insurance" offered through my husband's employer is a
joke. Total annual premiums total more than my glasses cost, and I
don't buy cheap frames or cheap lenses. The "benefit" is laughable -
two boxes of contact lenses or $100 reimbursement toward "approved"
frames and/or lenses. Puh-leez, they need to simply label it "highway
robbery" and adhere to truth-in-advertising laws.
Dr. Leukoma - 17 Apr 2005 14:02 GMT
Nice to hear a comment like that from the patient's perspective. I
also heard some encouragment from a financial person who works in the
employee benefits area. He indicated that medical savings accounts are
becoming more popular. Seems like if you know in advance how much you
need to put aside for eyecare each year, pre-tax savings would be the
way to go. People with chronic diseases like glaucoma can use major
medical, provided their deductibles are reasonable.
Regarding the eyeglass prescription thing, I did call the optometry
board some years ago for clarification. They told me that there is no
mandatory limit for an eyeglass prescription. It is only what the
doctor says it is. Personally, if the eye exam is more than one year
old, I can generally appeal successfully to the patient's common sense
and talk them into an updated refraction. Most opticians don't like to
fill old prescriptions because of the assumed liability, not because of
any laws. There is usually an O.D. next door anyway.
DrG
Wooly - 17 Apr 2005 16:08 GMT
>Nice to hear a comment like that from the patient's perspective.
I have a low opinion of managed care generally. It would be
incredibly OT for me to relate the entire story of my accident last
year. Let's just say that my advertised $50 ER copay bloomed into a
$9k event because the ER/hospital didn't actually provide any services
and all of the care providers were independent contractors who billed
separately; gee, indies aren't covered by my health insurance.
I'm still paying the bill and probably will be for another couple of
years.