F(*#ing insurance

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9. these insurance cos. need to be investigated by IRS, FBI and DOJ

My "provider charge" for a round of IV drip I took home for 2 days (chemo, which was conventional and has been around for decades) was $40K/round. I was told to ignore that and look at the "allowed charge," which was about $23K. But an NIH site showed my chemo to cost $3500/round for both drugs + admin. And that was exactly my out-of-pocket charge.

I believe these insurance cos. are either getting tax deductions by contracting with providers and governments who pay much less than the "allowed charge" (thus the insurance cos. have big "losses" on every round of chemo), or they're getting kickbacks for accepting less than the allowed charge. I'm told by those who know about billing that insurance cos. don't go by their allowed charges; they have separate contracts with providers and drug cos. So actually the billing is a total fabrication.

Something illegal is going on, I just know it.