At Doctor's Office and Paying With Cash | TigerDroppings.com

Posted byMessage
BestBanker
New Orleans Saints Fan
stuck in a moment
Member since Nov 2011
3046 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!







Back to top
Share:
NYCAuburn
Auburn Fan
TD Platinum Membership
Member since Feb 2011
30561 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






Back to top
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.







Back to top
HeadyMurphey
LSU Fan
Los Santos
Member since Jan 2008
15762 posts

re: At Doctor's Office and Paying With Cash


Why would you want to do this?





Back to top
RunningBlake
USA Fan
Member since Aug 2011
1891 posts

re: At Doctor's Office and Paying With Cash


u ballin





Back to top
777Tiger
LSU Fan
Member since Mar 2011
10237 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.






Back to top
TexasTiger1185
LSU Fan
New Orleans
Member since Sep 2011
9461 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.






Back to top
NYCAuburn
Auburn Fan
TD Platinum Membership
Member since Feb 2011
30561 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






Back to top
BestBanker
New Orleans Saints Fan
stuck in a moment
Member since Nov 2011
3046 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"?!






Back to top
777Tiger
LSU Fan
Member since Mar 2011
10237 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






Back to top
Meauxjeaux
Memphis Fan
I have 89,275 posts with my alters
Member since Jun 2005
16297 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...






Back to top
buffbraz
LSU Fan
Member since Nov 2005
1595 posts

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.






Back to top
TypoKnig
New Orleans Saints Fan
NOLA
Member since Aug 2011
4493 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?






Back to top
buffbraz
LSU Fan
Member since Nov 2005
1595 posts

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.





Back to top
buffbraz
LSU Fan
Member since Nov 2005
1595 posts

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.






Back to top
Bleeding purple
TCU Fan
Athens, Texas
Member since Sep 2007
21500 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.







Back to top
ProjectP2294
Miami (OH) Fan
St Louis County
Member since May 2007
31040 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


Back to top
LSUfan4444
LSU Fan
Mandeville
Member since Mar 2004
41552 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


Back to top
buffbraz
LSU Fan
Member since Nov 2005
1595 posts

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.





Back to top
BACONisMEATcandy
LSU Fan
Delta, Amex, & Über Threads
Member since Dec 2007
40940 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





Back to top


Back to top




//