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Sometimes
doctors and their staffs make blunders in the patient
relations that seriously affect their practices. Here
are some I’ve seen.
• Treating patients with insurance as
a pain. I recently saw this sign in a doctor’s
office: “Don’t be Abusive to Patients
with Insurance Problems.”
The reason the doctor posted the sign. He said, “Those
patients represent 65 percent of our practice!”
What’s surprising is the number of front desk
personnel with whom I’ve spoken, who consider
insurance patients a nuisance — claiming that
insurance is a contract strictly between patients
and their insurance companies.
Technically, of course, they’re right. But from
a public relations standpoint, this standoffish attitude
makes these offices very difficult to deal with and
in the process, alienates many patients.
In contrast, many offices have insurance coordinators
who assume the role of the patients’ advocate
in such matters. They help patients understand the
coverage and benefits provided by their health insurance
plans. They help patients complete the forms or as
a courtesy, do it for them.
When warranted, they may intercede on behalf of patients
to have insurance companies reconsider claims they
initially declined to pay.
Such helpfulness differentiates these offices, makes
them easy to deal with, and is greatly appreciated
by patients.
• Haggling over fees. A while
back, I sounded an alert about a disturbing trend
reported by Harris Interactive, a worldwide market
research and consulting firm, that a sizeable minority
of the public has begun “haggling” with
physicians, dentists and hospitals to lower their
bills — and approximately half of them are succeeding.
The researchers predicted that as healthcare costs
continue to rise, “the practice is likely to
increase”.
Now, the Web site www.insure.com
has posted an article entitled, “Sickened by
doctor bills? How to haggle for a lower price”
by Vicki Lankarge.
“According to the Foundation for Taxpayer and
Consumer Rights (FTCR),” she writes, “
everything in healthcare is negotiable, even the bills
from your doctor, pharmacist, and hospital. FTCR’s
patient guide states: ‘You’re paying the
bills, not only as a consumer, but also as a taxpayer
who helps fund the medical system.’ So don’t
be cowed by your doctor’s sparkling white lab
coat or by your hospital’s credentials. Establish
the price you believe is reasonable and go for it.”
Among the tips she offers on “how to bargain,”
are the following:
“Find out what others are paying,” Then,
quoting health-care attorney Deidre O’Reilly
Marblestone, she adds: ‘You should never pay
your provider more than private insurers pay. And
insurers never pay more than one-half to two-thirds
of the total amount billed.’”
“Cash talks. Offer to pay your doctor the discounted
amount you both deem reasonable in cash, immediately.”
“Plead your own case. Arrange to get face time
with your doctor and plead your own case for paying
a lower amount.”
How do you fight this type of haggling and not give?
Here’s one way to respond. Tell the haggler:
“Our fees are based on a number of factors —
the time and level of skill involved, the number of
services provided, the caliber of people who work
with me, our facilities and equipment, and the continuing
education of all staff members. If we were to reduce
fees, we’d have to leave something out and frankly,
I don’t know what to eliminate without compromising
the quality of what we do.”
There’s no need to use these words as such.
They’re just a guideline and a way to change
patients’ thinking about chiropractic treatment
as a “commodity” (i.e. alike in all respects,
regardless of who provides it).
Important exceptions: Hardship cases may warrant special
consideration. Reducing or perhaps waiving professional
fees for such patients is both appropriate and commendable.
Bob Levoy is a seminar speaker and writer who
focuses on the healthcare industry. His most recent
book is 201 Secrets of a High Performance Dental
Practice Elsevier/Mosby (January, 2005). He can
be reached at 516-626-1353.
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