sachin34357 Posted August 17, 2014 Posted August 17, 2014 :two_thumbs_up: I have NEVER understood the reluctance of doctors to explain their prescription. Is it that difficult? You have a diagnosis/prognosis in mind' date=' just explain it - after all that is what I pay you for.[/quote'] ur not a doctor so u wont understand. dont you trust me?
Midfielder Posted August 18, 2014 Posted August 18, 2014 Most of the good doctors are by and large trust worthy people.
The Outsider Posted August 18, 2014 Posted August 18, 2014 ^ Also, that's quite some insurance policy you got there. No co-pay, Out patient and pharma covered. Moreover, isn't it insurance fraud? I don't know the laws in India, but in US it certainly is. Regardless, the poster takes pride in raising everyone's premium who does not want to have a tharra is ethically not tenable.
randomGuy Posted August 19, 2014 Posted August 19, 2014 ^ Also, that's quite some insurance policy you got there. No co-pay, Out patient and pharma covered. My workplace had Rs. 10,000 coverage for OPD compared to 5 lacs for treatments that required hospital admission. so guess a small amount is covered for out patient in many cases.
Detonator Posted August 19, 2014 Posted August 19, 2014 I have a simple rule to follow: A doctor who does not explain the diagnosis and the treatment to the patient is not trustworthy. Very true. :two_thumbs_up: I have NEVER understood the reluctance of doctors to explain their prescription. Is it that difficult? You have a diagnosis/prognosis in mind' date=' just explain it - [b']after all that is what I pay you for. sorry, a Doctor is not ur indentured servant.
Detonator Posted August 19, 2014 Posted August 19, 2014 btw, I totally agree with this article, this is happening for many years actually.
Holysmoke Posted August 19, 2014 Posted August 19, 2014 My workplace had Rs. 10' date='000 coverage for OPD compared to 5 lacs for treatments that required hospital admission. so guess a small amount is covered for out patient in many cases.[/quote'] Oh yes. Lots of policies cover Out patient, dental, etc. But almost none of them cover pharma.
Holysmoke Posted August 19, 2014 Posted August 19, 2014 Moreover' date=' isn't it insurance fraud? I don't know the laws in India, but in US it certainly is. Regardless, the poster takes pride in raising everyone's premium who does not want to have a tharra is ethically not tenable.[/quote'] Fraud by whom? Maybe he really is suffering from the lung infection - then its no fraud. He's just an idiot for throwing the meds away. If he isnt sufferring, then the hospital prescribing him the meds is a fraudulent party. Him knowing the hospital will do that and willingly incurring the cost just for 2 days of leave is taking things to a whole new level. Increasing premiums, encouraging the hospital fraud, etc. This is why there should be co-pay in insurance policies.
randomGuy Posted August 19, 2014 Posted August 19, 2014 Oh yes. Lots of policies cover Out patient' date=' dental, etc. But almost none of them cover pharma.[/quote'] We had 10k for OPD+pharma(recommendation by OPD doc.)+Dental+health checkups. It was UHC (united health care) bulk policy (for 1000+ employees). 10k is a very small amount for self+dependents for all OPD+pharma+Dentists expenses for 1 year.
Holysmoke Posted August 19, 2014 Posted August 19, 2014 We had 10k for OPD+pharma(recommendation by OPD doc.)+Dental+health checkups. It was UHC (united health care) bulk policy (for 1000+ employees). 10k is a very small amount for self+dependents for all OPD+pharma+Dentists expenses for 1 year. UHC is a TPA, not an insurer. The insurer would have covered the inpatient, OPD, Pharma, dental etc. Health checkups are generally done by the TPA and billed to the insurer/corporate.
randomGuy Posted August 19, 2014 Posted August 19, 2014 UHC is a TPA' date=' not an insurer. The insurer would have covered the inpatient, OPD, Pharma, dental etc. Health checkups are generally done by the TPA and billed to the insurer/corporate.[/quote'] Ok. Our(employees') interface was UHC only. we were given UHC-cards for cashless inpatient treatment for self+dependents. inpatient was covered upto 5 lacs. One of my dependents availed 1 lac+ of cashless treatment(minor surgery).
Crookbond Posted August 19, 2014 Posted August 19, 2014 Very true. sorry, a Doctor is not ur indentured servant. I pay him, he has to tell me (the very least) the medicines he's prescribing me rather than writing in hieroglyphic script.
moniker Posted August 19, 2014 Posted August 19, 2014 Very true. sorry, a Doctor is not ur indentured servant. What's with the ego? It's well within the patient's right to know why he's been prescribed the said medicine. I'd rather go to a doctor who indulges in an interesting conversation about the sickness and how the medicines combat it than someone who just writes up the prescription and says good bye.
Holysmoke Posted August 19, 2014 Posted August 19, 2014 Ok. Our(employees') interface was UHC only. we were given UHC-cards for cashless inpatient treatment for self+dependents. inpatient was covered upto 5 lacs. One of my dependents availed 1 lac+ of cashless treatment(minor surgery). Look at the card again. You will find the name of the insurer. These cards are generally co-branded.
randomGuy Posted August 19, 2014 Posted August 19, 2014 Look at the card again. You will find the name of the insurer. These cards are generally co-branded. you are right, i dont have the card anymore but my brother's current company also gives UHC cards. his UHC card has "the new india assurance company limited" mentioned. so this is the insurance company and UHC is TPA. Apparently they (insurance or the employer) no longer cover any OPD expenses (as per my brother) which they used to, some years back.
Holysmoke Posted August 20, 2014 Posted August 20, 2014 you are right, i dont have the card anymore but my brother's current company also gives UHC cards. his UHC card has "the new india assurance company limited" mentioned. so this is the insurance company and UHC is TPA. Apparently they (insurance or the employer) no longer cover any OPD expenses (as per my brother) which they used to, some years back. It all depends on the policy that the corporate has chosen. Your brother's employer probably did not want OPD covered in the employee mediclaim policy.
Texan Posted August 20, 2014 Posted August 20, 2014 :two_thumbs_up: I have NEVER understood the reluctance of doctors to explain their prescription. Is it that difficult? You have a diagnosis/prognosis in mind' date=' just explain it - after all that is what I pay you for.[/quote'] They were brought up in times when patients blindly trusted doctors because they themselves could not independently verify the prognosis. Now, with information readily and freely available thanks to the internet, more and more patients are able to make their own decisions with regards to their well-being. However, the doctors who are reluctant to explain their treatment to the patient either: A. suffer from a superiority complex (I am the Doctor here, how dare you question me) OR B. may not have a reasonable explanation for their own diagnosis and could be suggesting treatment based on a hunch or guesswork.
randomGuy Posted August 20, 2014 Posted August 20, 2014 It all depends on the policy that the corporate has chosen. Your brother's employer probably did not want OPD covered in the employee mediclaim policy. ya right. though in the same company, they previously had OPD coverage which they later withdrew.
Straight Drive Posted August 20, 2014 Posted August 20, 2014 FDC has the cheapest drugs. However, the most commonly prescribed pharma drugs seems to be from Ranbaxy, Wyeth, Cipla etc.
Detonator Posted August 20, 2014 Posted August 20, 2014 What's with the ego? It's well within the patient's right to know why he's been prescribed the said medicine. I'd rather go to a doctor who indulges in an interesting conversation about the sickness and how the medicines combat it than someone who just writes up the prescription and says good bye. I agree. The problem is, for many it's uninteresting and sounds like blabbering. Most of the times, the doctors spend long time explaining, then the patient will have no idea abt it the next minute. My mom is a pulmonologist, she always eloborates everything (with the model of respiratory system :cantstop: ), but many say she is a "blade u doctor". Most doctors will be very much happy to speak and explain about diagnosis and how the prescription works, if the patient really wants to know, not just becoz he/she is paying for.
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