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Examples of First Choice Insurance Using Karis Patient Advocacy

Examples of First Choice Insurance Using Karis Patient Advocacy

The following examples are hypothetical, yet based of real life charges. They are to show you how the Karis Plan works… along with your First Choice Platinum health insurance plan and PPO network.

These charges may vary significantly between providers. PPO savings are subject to utilizing a member hospital, and even then will vary greatly from one to another. PPO discounts vary significantly between various services, so we will simply give you a ‘ballpark’ estimate.digestit colon cleanse contraindicaciones

Finally, Consumer Advocacy services such as KARIS Group may have drastically different success depending upon the procedures and hospitals involved.slimmer spray foro

ASSUMPTIONS for the FOLLOWING CLAIMS EXAMPLESvaricobooster recensioni

1) In Network PPOs Discounts ‘average’ around 30% (repriced bills)fungalor

2) The financial impact of the KARIS Group Patient Advocacy is estimated to be 30% ‘after the fact’ and 60% when they negotiate ‘before the procedure’ is performed. When KARIS is involved from the onset, there will be no further discount afterwards.goji cream

Claim #1 – HEART BYPASS – Platinum Plangoji cream działanie

Claim1

Original “street cost” of the procedure $78,000perle bleue

Details: 6 day confinement, 3 days ICU, PPO Repricing, KARIS negotiation “after the fact”. hair megaspray

You have to go in for a Heart Bypass. The procedure costs a total of $78,000.

You receive your PPO discount of 30% ($13,400).

Leaving a balance of $54,600.

Then deduct your total Platinum Benefits of $33,250.

6 Day Room Stay $14,000

3 Day ICU $6,000

3 Day PDN $750

Surgery $10,000

Leaving a balance of $21,350

Now Karis goes to work and negotiates 30% ($6,405) off the remaining total.

Leaving a Total for you to pay of $14,945.

CLAIM #2 – HEART BYPASS – Platinum Plan

Claim2

Original “street cost” of the procedure $78,000

Details: 6 day confinement, 3 days ICU, PPO Repricing, KARIS negotiation “‘Upfront”.

You have to go in for a Heart Bypass. The procedure costs a total of $78,000.

There are no PPO discounts in this case.

You have Karis negotiate from the beginning and they get you 60% ($46,800) off the total medical bill.

Leaving a balance of $31,200.

Then deduct your total Platinum Benefits of $33,250.

6 Day Room Stay $14,000

3 Day ICU $6,000

3 Day PDN $750

Surgery $10,000

Magically You End up with $1,950 in Your Pocket!

Claim #3 – In-patient Gall Bladder Removal – Platinum Plan

Claim3

Original “street cost” of the procedure $17,400

Details: 3 day confinement, KARIS negotiation “‘Upfront”.

You go in the hospital for a gall bladder removal. The procedure costs a total of $17,400.

There are no PPO discounts in this case.

You have Karis negotiate from the beginning and they get you 60% ($10,440) off the total medical bill.

Leaving a balance of $6,960

Then deduct your total Platinum Benefits of $10,250.

3 Day Room Stay $6,500

Surgery $3,000

Anesthesia $750

Magically You End up with $3,400 in Your Pocket!

Claim #4 – OUTPATIENT Gall Bladder removal - Platinum Plan

Claim4

Original “street cost” of the procedure $15,400

Details: Outpatient, KARIS negotiation “Upfront”.

You have a gall bladder procedure done as an outpatient. The procedure costs a total of $15,400.

There are no PPO discounts in this case.

You have Karis negotiate from the beginning and they get you 60% ($9,240) off the total medical bill.

Leaving a balance of $6,160

Then deduct your total Platinum Benefits of $3,750.

Surgery $3,000

Anesthesia $750

Leaving a Total for you to pay of $2,410

Claim #5 – Normal Childbirth, Normal delivery – Platinum Plan

Claim5

Original “street cost” of the procedure $9,300 (pre and post natal not included) NO PPO.

Details: 3 days confinement, KARIS negotiation “after the fact”.

You go into the hospital to have a baby. The procedure cost a total of $9,300.

There are no PPO discounts in this case.

You deduct your total Platinum Benefits of $7,750.

Leaving a balance of $1,550.

Now Karis goes to work and negotiates 30% ($465) off the remaining total.

Leaving a Total for you to pay of $1,085

Claim #6 – CSection – Platinum Plan

Claim6

Original “street cost” of the procedure $22,500

Details: 5 days confinement, 1 day ICU, 1 day PDN, PPO Repricing, KARIS negotiation “after the fact”.

You go into the hospital to have a baby, but you need a C-Section. The procedure cost a total of $22,500.

You receive your PPO discount of 30% ($6,750)

Leaving a balance of $15,750.

Now deduct your Total Platinum Benefits of $14,250.

5 Day Room Stay $11,500

Surgery $2,500

Anesthesia $250

Leaving a balance of $1,500.

Now Karis goes to work and negotiate 30% ($450) off the remaining total.

Leaving a Total for You to Pay of $1,050

Claim #7 – Broken Femur OUTPATIENT “ER”

Claim7

Original “street cost” of the procedure $4,100

Details: Treatment, Set Cast, Released, PPO Repricing.

You break your femur and go to the hospital for treatment. The procedure cost a total of $4,100.

You receive your PPO repricing of 30% ($1,230).

Leaving a balance of $2,870.

Now deduct your Total Platinum Benefits of $4,500.

Emergency Accident Benefit $200

Surgery $2,000

Anesthesia $500

Specific Injury Benefit – 20% $1,800

(There is no need for Karis because your bill has been paid)

You End up with $1,630 in Your Pocket!

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