At Doctor's Office and Paying With Cash | TigerDroppings.com
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BestBanker
LSU Fan
stuck in a moment
Member since Nov 2011
3893 posts

At Doctor's Office and Paying With Cash

And they always say "it's illegal to not use your insurance".

Have any of you ever gone to the doc while having quality medical insurance (mainly individual coverage), and wanted to pay with cash? It totally boggles my mind at the response I always get when I tell them I'm paying with cash and don't file on my insurance. Has this ever happened to any of you?

Sorry to rant but c'mon doctor' office staff!


NYCAuburn
Auburn Fan
TD Platinum Membership
Member since Feb 2011
33077 posts

re: At Doctor's Office and Paying With Cash
quote:

And they always say "it's illegal to not use your insurance".


They want the extra money they can bill your insurance


BTHog
Arkansas Fan
Member since Jul 2012
8335 posts

re: At Doctor's Office and Paying With Cash


now it's illegal to pay your own bill?

More likely you just freaked them out b/c they were expecting to get stiffed and they didn't know how to react.



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HeadyMurphey
LSU Fan
Los Santos
Member since Jan 2008
15965 posts

re: At Doctor's Office and Paying With Cash
Why would you want to do this?


RunningBlake
Ark-Pine Bluff Fan
Member since Aug 2011
2195 posts

re: At Doctor's Office and Paying With Cash
u ballin


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777Tiger
LSU Fan
Member since Mar 2011
18024 posts

re: At Doctor's Office and Paying With Cash
quote:

They want the extra money they can bill your insurance

I look over the EOB's pretty carefully, and some of the doctors really take their liberties with the insurance companies, to the point of well beyond basic fraud and felony theft, but what's mind boggling to me is the insurance companies don't seem to care, even after I've called them up to tell them about procedures I didn't have performed on dates that I didn't see this doctor. Their bureaucracy rivals that of the government.


TexasTiger1185
LSU Fan
New Orleans
Member since Sep 2011
10282 posts

re: At Doctor's Office and Paying With Cash
What's the purpose of not using insurance that you are paying for?

You pay your insurance monthly, then turn around and don't use it and pay in full at the doctor?

I don't understand.


NYCAuburn
Auburn Fan
TD Platinum Membership
Member since Feb 2011
33077 posts

re: At Doctor's Office and Paying With Cash
quote:

but what's mind boggling to me is the insurance companies don't seem to care,


I work in an insurance field, it is very perplexing sometimes and the logic behind it


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BestBanker
LSU Fan
stuck in a moment
Member since Nov 2011
3893 posts

re: At Doctor's Office and Paying With Cash
Sorry. PA came in to work on me.
Yeh, this question has been asked twice, "why pay when I have insurance". I pay routine bills out of pocket until I reach my deductible then I can file with insurance if necessary. This way my insurance never gets dinged (like a credit report) and my premiums hopefully stay lower. Been doing this for years.
But everytime that receptionist, and sometimes the manger say the same thing, that "it's illegal"! I'm like "what"?!


777Tiger
LSU Fan
Member since Mar 2011
18024 posts

re: At Doctor's Office and Paying With Cash
quote:

But everytime that receptionist, and sometimes the manger say the same thing, that "it's illegal"! I'm like "what"?

the poor business acumen of doctors, and their inability to manage money, is rivaled only by airline pilots


Meauxjeaux
Memphis Fan
90248 posts including my alters
Member since Jun 2005
18917 posts

re: At Doctor's Office and Paying With Cash
Welcome to the dirty underside of Obamacare.

Don't like the Dr they assigned you? No problem, I'll just go pay cash over at my regular guy.

Oh wait...


buffbraz
LSU Fan
Member since Nov 2005
1803 posts
Online

re: At Doctor's Office and Paying With Cash
quote:

I pay routine bills out of pocket until I reach my deductible then I can file with insurance if necessary


How do you ever reach your deductible if you don't file with your insurance? If you have a high deductible plan, you will essentially be paying cash for all your visits anyway. But if you don't file the visits with them you will never reach your deductible.


TypoKnig
Michigan Fan
NOLA
Member since Aug 2011
5265 posts

re: At Doctor's Office and Paying With Cash
quote:

Yeh, this question has been asked twice, "why pay when I have insurance". I pay routine bills out of pocket until I reach my deductible then I can file with insurance if necessary. This way my insurance never gets dinged (like a credit report) and my premiums hopefully stay lower. Been doing this for years.


I'm confused. If you pay for services provided and have not met your deductible, those services still get reported to your insurance company. Also most insurances charge copays for office visits rather than charging you all fees for the services. Why wouldn't you just pay the copay?


buffbraz
LSU Fan
Member since Nov 2005
1803 posts
Online

re: At Doctor's Office and Paying With Cash
FWIW, I have never heard of not being able to pay your bill up front if you don't want to. This is not a common thing.


buffbraz
LSU Fan
Member since Nov 2005
1803 posts
Online

re: At Doctor's Office and Paying With Cash
quote:

Also most insurances charge copays for office visits rather than charging you all fees for the services. Why wouldn't you just pay the copay?


High deductible plans make you pay 100% of services rendered until you're deductible is reached. Copay plans are different.


Bleeding purple
TCU Fan
Athens, Texas
Member since Sep 2007
23201 posts

re: At Doctor's Office and Paying With Cash
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.



As far as docs milking the insurance for more money versus just accepting cash, yall really have no clue what yall are talking about.



ProjectP2294
Penn Fan
South St. Louis city
Member since May 2007
33178 posts

re: At Doctor's Office and Paying With Cash
quote:

How do you ever reach your deductible if you don't file with your insurance? If you have a high deductible plan, you will essentially be paying cash for all your visits anyway. But if you don't file the visits with them you will never reach your deductible.


If I had to guess, if he pays the amount of his deductible throughout the course of a year, he files them all at the same time so the insurance company takes over payment beyond that.
This post was edited on 3/28 at 2:06 pm


LSUfan4444
LSU Fan
Mandeville
Member since Mar 2004
43646 posts

re: At Doctor's Office and Paying With Cash
Read the paperwork when you enroll. Most of them have you sign or agree to something that says something to the effect like, "I agree to get all of my healthcare through _________".

This post was edited on 3/28 at 2:07 pm


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buffbraz
LSU Fan
Member since Nov 2005
1803 posts
Online

re: At Doctor's Office and Paying With Cash
So he still has to file them eventually, why not just let them do it while you are there? You can still pay 100% of services rendered, they just send it to the insurance company to let them know you have paid X amount towards the deductible.


BACONisMEATcandy
LSU Fan
Delta, Amex, & Über Threads
Member since Dec 2007
42847 posts

re: At Doctor's Office and Paying With Cash
People with insurance make up for the loss and then some... for the medicare & medicaid patients they see


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