Category Archives: Health Insurance

Keith Smith of the Surgery Center of Oklahoma in Oklahoma City is asked this question frequently. “The real question should be why are everyone else’s prices so high, says Keith?” That is what more and more smart Americans are asking as they receive their healthcare. Why does a hospital charge $95,000 for a pacemaker and another provider $9,000? How about a $40,000 snake bite venom that cost the hospital $200? I can go on and on. In the contact section please email me and I will send you a copy of my bill so you can see how it looks in real scenarios when you have my insurance instead of the broken, outrageous major medical system. With my old plan under Obamacare, I would have paid this entire bill out of my pocket. Why? Because it would have all gone toward my deductible. So, if you are tired of being taken advantage of and willing to do something about it, call me. Hopefully, more of you will learn how great it is to ask why everyone else’s prices are so high.

We constantly hear about healthcare in our country and health insurance used interchangeably. That is not accurate. Health insurance is not healthcare and healthcare is not health insurance. There are countless lies coming from the media about people losing healthcare. Healthcare is what a provider offers. Health insurance is what insurance companies offer. I know it might not be a popular thought, but I agree with Andy Pudzer, the former CEO of CKE Restaurants. He said, “people will be surprised to find out how expensive health insurance is once it is free.” I shout from the rooftops that I don’t want government healthcare! I want not less government, but NONE when it comes to our healthcare. There is nothing our government ever has proven about managing my money and I want them out of my health insurance choices. No one can take away your access to healthcare. Oh, wait, I stand corrected. The government can. Please continue to stand for the free market when it comes to healthcare and health insurance.

Einstein is attributed with the saying that the definition of insanity is doing the same thing over and over expecting different results. I can’t argue with that. I used to sort of coach my son playing video games. He would go through the same door and get killed by the monster awaiting him every time. I would say something to the effect of son, if you go through that door one more time I’m going to kill you. LOL! So here is a new take on what would be insanity. Imagine going to the grocery store and filling a cart full. Then imagine yourself walking out the door without having a clue what anything is going to cost. No price tags, no unit savings stickers etc. Then 2 weeks later you will receive a bill. How crazy is that! Guess what, we just perfectly described receiving healthcare. You have a service provided and don’t know what the cost is for weeks or more. It doesn’t have to be that way. Email, call or text us and we’ll show you a better way.

Many people pay way too much for health insurance. Others pay too little. If you are paying a mortgage payment for your insurance, you are either paying too much or you have a small mortgage payment. LOL! Seriously, health insurance premiums are way more than they should be in most cases! But the other extreme is to pick up a discount plan or other insurance that just doesn’t cover enough for daily hospital, surgery, catastrophic etc. There are ditches on both sides. But there is also a very nice, safe highway between those ditches that represents health insurance that is not only great in nature, but also saves people a lot of money on their monthly premiums! That is what I can do for you.

• Why did a health provider charge $40,000 for an anti- venom that costs $200?
• Why does a $9,500 pacemaker get billed for over $100,000 many times?
• Why does a $50,000 hospital bill look more like $10,000 or less in other places?
• Why does a steroid injection cost 75 cents but get billed for $360?
• Why does a surgery cost less than $10,000 and the exact same surgery is billed over $100,000 in other instances?
• Why do my health insurance premiums look like a mortgage payment?
• Why do I pay so much a month for health insurance and when I go to use it everything goes toward my deductible?
• Why do some people pay less than half for their health insurance premiums than others do?
• Why does your health insurance company “fake bill” you and cause you to ALWAYS pay your deductible and 20% etc out of your pocket and our insurance often allows people to pay little to nothing out of pocket?

Why do I still have the insurance I do if there are so much better options available to me? Why have I not called Pat’s team to see what they can do for me?

We hear a lot today about “fake news.” One thing that is fake that should infuriate you is the way medical services are billed. Why does a hospital bill get hyper inflated and sent to the insurance company as a ridiculous amount? Because insurance companies and middlemen split a ton of money that is just fluff. Now don’t get me wrong. If you have a major medical plan there is no fluff about it as to how it relates to you. You pay that money to a certain amount in the form of deductibles and copays. Not me, not my clients. We get to take advantage of cutting out the middlemen and all those fake bills. So, what is the
answer? The only way to get past this rigged, FAKE system is to get out of it. That is it! Period! If you want to experience true pricing with a system that allows you to control your healthcare choices and costs, you have to leave the major medical system. That is your option but if you don’t choose it you are going to feel the pain and anger always until you do. Email, call or text me and I will show you a better way.