Expense of Health Care

Interestingly enough, most health insurance providers are counting on their current health insurance subscribers to become ill. The health insurance provider keeps a close watch on all their subscribers to gain an understanding of those who frequent their medical health care physician regularly for the same illness.

This applies to those health insurance subscribers with repeat chronic long-term health care issues such as diabetes, asthma, rheumatoid arthritis and other health care issues that cause an individual to visit with their medical health care physician on a regular basis.

In the health insurance industry, this is referred to as up coding and this is a very common practice. This is one of the more subtle ways for the health insurance providers to make money on a particular health insurance subscriber as opposed to spending money on behalf of the insured.

When an individual with diabetes is found to have regular monthly medical health care physician visits, the health insurance provider will red flag the individual. In the beginning, the health insurance provider will follow and take notes of the dates, time, frequency, and the cause of illness that is causing the individual to return to their medical health care physician regularly.

Once a definite pattern is developed, the health insurance provider will begin the practice referred to as up coding for that particular individual for the regularity of the visits to the medical health care physician. The health insurance provider will begin a procedure of changing the codes for a specific illness each time an individual visits with their medical health care physician regardless if it is know to be for the identical reason, such as diabetes, asthma, and rheumatoid arthritis.

Upon the act of perpetually changing a specific code for a repeat medical health care physician office visit, the appearance by the health insurance provider shows that the individual is more ill than the individual is at any given time. This is one of the main arguments for the government to reduce the amount of reimbursement for all Medicare and Medicaid health care recipients.

Each time the health insurance provider changes or up-codes a particular procedure for any one of their subscribers, they are reimbursed monetary funds at a higher rate of return. This of course costs the taxpayers who in essence are funding the payments through a general government fund.

Sadly, this is a long-standing method used by the health insurance providers to justify as individuals begin to age. The health insurance provider statistically has the prerogative to increase the rate of the annual health insurance policy for each coming year.