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ProjectP2294
Miami (OH) Fan
St Louis County
Member since May 2007
29915 posts

re: At Doctor's Office and Paying With Cash


quote:

So he still has to file them eventually

Only if he reaches the deductible amount and still needs more care.

I don't know enough about health insurance to know if his way of doing things is the best way or not, though.






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777Tiger
LSU Fan
Member since Mar 2011
8122 posts

re: At Doctor's Office and Paying With Cash


quote:

I have never heard of not being able to pay your bill up front if you don't want to

I know a couple of doctors with a small practice that actually discount their rates, and encourage this.






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YMCA
UTEP Fan
It's Fun to Stay
Member since May 2011
1692 posts

re: At Doctor's Office and Paying With Cash


Do you pay cash in order to keep it off of your insurance that way no flags go up while you run around Dr. shopping?





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BestBanker
New Orleans Saints Fan
stuck in a moment
Member since Nov 2011
2818 posts

re: At Doctor's Office and Paying With Cash


Ok. Almost out of this place.
I can accumulate all of my receipts and file a claim at year's end if I have a need to use major medical coverage. If I spend enough money to reach a deductible, I can file all claiims toward that fulfillment in that calendar year.
And by the way, I do not give them my insurance info ever.






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TypoKnig
New Orleans Saints Fan
NOLA
Member since Aug 2011
4156 posts

re: At Doctor's Office and Paying With Cash


quote:

Because it is insurance fraud with medicare and medicaid. Additionally some private insurances have similar clauses making it illegal for a physician to provide contracted services to a patient outside of the insurance. I think it sucks but it is real.


This.

Physicians have agreed upon fee schedules for services rendered for each insurance company they accept. They can charge whatever they want to private pay (uninsured) patients. I think accepting payments outside of the patient's insurance is fraud.






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LSUfan4444
LSU Fan
Mandeville
Member since Mar 2004
40927 posts
 Online 

re: At Doctor's Office and Paying With Cash


quote:

know a couple of doctors with a small practice that actually discount their rates,


Thats what they do for insurance companies...they bill their contracted rate.






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LSUfan4444
LSU Fan
Mandeville
Member since Mar 2004
40927 posts
 Online 

re: At Doctor's Office and Paying With Cash


quote:

think accepting payments outside of the patient's insurance is fraud.


Depends on what the service is and whether it is a covered benefit or not.






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777Tiger
LSU Fan
Member since Mar 2011
8122 posts

re: At Doctor's Office and Paying With Cash


quote:

Thats what they do for insurance companies...they bill their contracted rate.

These guys have a different agenda, if you know what I mean.






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BestBanker
New Orleans Saints Fan
stuck in a moment
Member since Nov 2011
2818 posts

re: At Doctor's Office and Paying With Cash


By paying for service, my insurance is not used. Thus my insurance never knows I went to a physician.





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NYCAuburn
Auburn Fan
TD Platinum Membership
Member since Feb 2011
27246 posts

re: At Doctor's Office and Paying With Cash


quote:

Thats what they do for insurance companies...they bill their contracted rate.








You can get cheaper than the "contracted rates" quite often if paying cash up front.

I didnt have insurance at one point, paid cash for everything, then had very nice employer plan, the cost were a fair amount different even with the contracted rate for the same services






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BestBanker
New Orleans Saints Fan
stuck in a moment
Member since Nov 2011
2818 posts

re: At Doctor's Office and Paying With Cash


Not fraud.





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777Tiger
LSU Fan
Member since Mar 2011
8122 posts

re: At Doctor's Office and Paying With Cash


quote:

my insurance never knows I went to a physician.


health insurance isn't like car insurance, I don't see the objective, or benefit, of your strategy






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WDE24
Arkansas State Fan
Member since Oct 2010
39274 posts

re: At Doctor's Office and Paying With Cash


quote:

health insurance isn't like car insurance, I don't see the objective, or benefit, of your strategy

Not exactly, but your medical history/claims history is certainly relevant when they quote new premiums.






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miab777
Member since Aug 2012
74 posts

re: At Doctor's Office and Paying With Cash


Why do you even tell them you have insurance if you're not going to use it?





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LSUfan4444
LSU Fan
Mandeville
Member since Mar 2004
40927 posts
 Online 

re: At Doctor's Office and Paying With Cash


quote:

You can get cheaper than the "contracted rates" quite often if paying cash up front.


Of course you can, but that doesn't mean they will, or that they're supposed to.






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WDE24
Arkansas State Fan
Member since Oct 2010
39274 posts

re: At Doctor's Office and Paying With Cash


quote:

Why do you even tell them you have insurance if you're not going to use it?

I don't, but I'm not the baller BestBanker apparently is. I run it on my insurance and then get pissed when the doc runs a hundred unnecessary tests they didn't tell me about that the insurance company refuses to cover and I get a huge bill from the doc.






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LSUfan4444
LSU Fan
Mandeville
Member since Mar 2004
40927 posts
 Online 

re: At Doctor's Office and Paying With Cash


ALOT of offices won't even accept an appointment if you don't have insurance (or request to not use it).





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Slagathor
LSU Fan
Jortsvegas... for now.
Member since Jul 2007
16486 posts

re: At Doctor's Office and Paying With Cash


quote:

Why do you even tell them you have insurance if you're not going to use it?


in case he needs it.

he covers everything up until the deductible regardless, but this way, appears claimless.

this seems like a good idea, but could be a little fraud-y in respect to 'pre-existing conditions' IMO






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777Tiger
LSU Fan
Member since Mar 2011
8122 posts

re: At Doctor's Office and Paying With Cash


quote:


You can get cheaper than the "contracted rates" quite often if paying cash up front.

the reason are willing to deal for cash, is that they aren't going to report it to the IRS



This post was edited on 3/28 at 2:27 pm


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BestBanker
New Orleans Saints Fan
stuck in a moment
Member since Nov 2011
2818 posts

re: At Doctor's Office and Paying With Cash


Calms them. I am always willing to offer my insurance information to them but they never take it when I pay for the service when I receive it.
What some of you don't understand is that I want to be responsible for my life.
I own medical coverage to protect me, (not the doc) from financial ruin. If I can afford the bill, I pay it. If I can't, I use insurance. Pretty simple.

Eta: slagathor (love the name), it is not fraud.



This post was edited on 3/28 at 2:30 pm


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