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To: Lizzie Tudor who wrote (26259)	1/6/1999 8:23:00 PM
From: Les H	Respond to of 67261

No, of course, the larger payers 'negotiate' lower fees and prices from care providers, pharmacies, etc. I looked through Medicare regulations some time back for the bill that was to 'reduce costs and save the program'. There was wording to the effect that the care provider was required to charge other consumers at least 17% higher than the payment schedule. It's likely much worse now. There were similar types of laws or regulations in the Health Care Security Act that forbid people from going outside the system. One of the ridiculous things is the annual reenrollment period for federal health insurance. People who have high cost medical bills will schedule themselves for high benefit plans for one year and revert to the standard benefit plan next. What they need is catastrophic medical insurance. It's ridiculous that with inflation that people should expect deductibles to be the same amount as 10, 20, or 30 years ago such as the $ 100 deductibles.