At Doctor's Office and Paying With Cash | Page 5 | TigerDroppings.com
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LSUzealot
New Orleans Saints Fan
Napoleon and Magazine
Member since Sep 2003
57393 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. But everytime that receptionist, and sometimes the manger say the same thing, that "it's illegal"! I'm like "what"?!


Geezus are you a hypochondriac?

I can't even remember the last time I even had to meet my deductible in a year.


BestBanker
LSU Fan
stuck in a moment
Member since Nov 2011
4068 posts

re: At Doctor's Office and Paying With Cash
Tigerskin, the insurance company will get all of my bills that I have for this issue if I need surgery, that way all of my payments will go toward meeting my deductible. I guess I could only submit the surgery without the other bills, but I think it would be to my advantage to go the previous route.


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fightin tigers
Downtown Prairieville
Member since Mar 2008
29215 posts

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

Obmamcare is crap, but the insurance companies brought it on themselves.


Screaming "please, don't throw me in that briar patch" the whole time.


BestBanker
LSU Fan
stuck in a moment
Member since Nov 2011
4068 posts

re: At Doctor's Office and Paying With Cash
Zealot, I don't get you. Makes no sense. I may go to a doc once a year for an injury or my children or a physical. I pay the bill and like you, never get close to the deductable level.


TroyTider
Troy Fan
Troy Alabama
Member since Oct 2009
993 posts

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

At Doctor's Office and Paying With Cashquote: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.


This, plus, who wants all those "We didn't pay because you haven't met your deductible, co-ins clause etc" EOBs in their mailbox.
Not to mention emails, the surveys they want you to fill out, etc.


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777Tiger
LSU Fan
Member since Mar 2011
18896 posts

re: At Doctor's Office and Paying With Cash
my mil is more or less indigent, and has had probably close to a million dollars worth of procedures, and hosp. stays over the last ten years, she's probably paid a couple of thousand towards that, the rest has been written off, don't know how that affects everyone else premiums, but I have come to find out that is a common practice in that industry


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VetteGuy
LSU Fan
Mandeville
Member since Feb 2008
16974 posts
Online

re: At Doctor's Office and Paying With Cash
and they will stay make money.

My theory is that the net result will be that employees will pay far more for health insurance.

Employers will pass the cost on them, no doubt about it.

From that you will see more people and companies adopt high-deductible plans.

Higher premiums +far more out-of-pocket expense= socialist Nirvana.


777Tiger
LSU Fan
Member since Mar 2011
18896 posts

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

socialist Nirvana.

Ted Kennedy smirking in his grave?


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fightin tigers
Downtown Prairieville
Member since Mar 2008
29215 posts

re: At Doctor's Office and Paying With Cash
Never know, might send us back to bartering with chickens and yardwork. Back room medicine at its best.


Zilla
LSU Fan
Friendswood, TX
Member since Jul 2005
10135 posts

re: At Doctor's Office and Paying With Cash
If you don't file it through insurance, aren't you missing out on preneotiated insurance "discounts" ?


Paige
LSU Fan
Vice President of the OT
Member since Oct 2010
67456 posts

re: At Doctor's Office and Paying With Cash
Exactly and how will they know how much you paid OOP if the claims weren't filed? And there are claim filing cut off dates

I don't know about the illegality of not filing claims but there is a rule that doctor's can't charge patients more than the insurance company says is the patient's responsibility so that may be the reason


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MBclass83
LSU Fan
Baton Rouge
Member since Oct 2010
2355 posts

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

They want the extra money they can bill your insurance


They would get much less from an insurance company due to contracts and write offs.


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prplhze2000
LSU Fan
Parts Unknown
Member since Jan 2007
33595 posts

re: At Doctor's Office and Paying With Cash
I did at the eye doctor recently and they gave me a discount.


oilmanNO
LSU Fan
Member since Oct 2009
2352 posts

re: At Doctor's Office and Paying With Cash
Do you not have a co-pay with your insurance?


BestBanker
LSU Fan
stuck in a moment
Member since Nov 2011
4068 posts

re: At Doctor's Office and Paying With Cash
This has happened to us every time. My son broke his wrist. I say I'm paying the bill. Go to get the splint fitted for him in back and the tech has me sign a form stating that I will only have to pay xxx dollars. She then said that this was about 200 less than regular insurance price!


BestBanker
LSU Fan
stuck in a moment
Member since Nov 2011
4068 posts

re: At Doctor's Office and Paying With Cash
No co-pay. I cancelled it. Cost about 2400 per yr in premium. We don't spend that much annually at the doctor, currently.


Paige
LSU Fan
Vice President of the OT
Member since Oct 2010
67456 posts

re: At Doctor's Office and Paying With Cash
Yeah but the insurance would probably have only allowed about 60% and told them to write off the remainder after your portion


BestBanker
LSU Fan
stuck in a moment
Member since Nov 2011
4068 posts

re: At Doctor's Office and Paying With Cash
That's possible but only if the insurer is receiving premium for copay premium or similar option. You're prepaying medical office bills with that type of premium. Then they would mandate a reduced bill because of that.


Paige
LSU Fan
Vice President of the OT
Member since Oct 2010
67456 posts

re: At Doctor's Office and Paying With Cash
What? That's always the case if the doctor is in network


BestBanker
LSU Fan
stuck in a moment
Member since Nov 2011
4068 posts

re: At Doctor's Office and Paying With Cash
Sorry. Works for me fine. Discounted payment for cash.


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