At Doctor's Office and Paying With Cash | Page 4 | TigerDroppings.com

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Slagathor
LSU Fan
Jortsvegas... for now.
Member since Jul 2007
16526 posts

re: At Doctor's Office and Paying With Cash


quote:

Um, yeah. That is insurance fraud.


not arguing with that because i have never read my auto insurance policy, but there's no way i'd take the hit financially 6 times for something simple i can pay for once. i'm sketchy, i'll admit it.







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VetteGuy
LSU Fan
Mandeville
Member since Feb 2008
12256 posts
 Online 

re: At Doctor's Office and Paying With Cash


quote:

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!


There is no way to price shop a doctor's visit.

Most of the time, they won't even tell you the visit cost.

Doctors feel entitled to charge WTH they want and get all pissy if you ask them the cost.






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elprez00
New Orleans Saints Fan
Hammond, LA
Member since Sep 2011
13309 posts

re: At Doctor's Office and Paying With Cash


quote:

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

This is 100% true, and in line with what the OP said. Theres a reason they are being outlawed with Obamacare, and it has nothing to do with risk to you, the consumer.






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BestBanker
New Orleans Saints Fan
stuck in a moment
Member since Nov 2011
3324 posts

re: At Doctor's Office and Paying With Cash


Age tongue-in-cheek question. Unless you are the insurance commissioner, you are incorrect about your fraud statements.
Now would I ever let some schmo hit me and say he was good for it without getting his insurance info? Ah, no.






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Bleeding purple
TCU Fan
Athens, Texas
Member since Sep 2007
21951 posts

re: At Doctor's Office and Paying With Cash


At most stand alone radiology centers you can get an MRI with radiologist interpretation and CD of the images for around 450





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fightin tigers
Downtown Prairieville
Member since Mar 2008
23164 posts

re: At Doctor's Office and Paying With Cash


Ok, say you hit someone's car. Damage is TreeFiddy.

Figure that your deductible is more than that so you there is no need to involve insurance. Especially since the claim will make your insurance go up.

Wait, what? Why would your insurance go up? Oh right, you are now considered a higher risk because of your accident.

So, you HIDE an accident and pay out of pocket to keep your rates low. You lie and coverup an accident. You commit fraud.

You are not considered a higher risk because your insurance company doesn't find out about it.

You are however getting a better rate because the insurance company think you are something you are not.


Fwiw, I have hidden minor accidents. I just know that I have committed fraud while doing it.






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WDE24
Wright St. Fan
Member since Oct 2010
41530 posts

re: At Doctor's Office and Paying With Cash


quote:

You commit fraud.
No you don't.






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777Tiger
LSU Fan
Member since Mar 2011
13060 posts

re: At Doctor's Office and Paying With Cash


quote:

MRI tomorrow.

where are you getting an MRI from, the TSA? don't remember how much my MRI for my rotator was last summer, but I'm looking at an invoice for a recent MRI that my wife had, and it's just under 3g's, still don't see the benefit of not using a service that you are paying for, believe me, the ins. will frick you at the slightest chance, and none of your responsible practices will mean jack to them, just sayin'






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fightin tigers
Downtown Prairieville
Member since Mar 2008
23164 posts

re: At Doctor's Office and Paying With Cash


Just saying, if you are hiding potential health problems from an insurance company because you are afraid rates will go up, then you are misrepresenting yourself. You are committing fraud.

Likely the insurance company could care less though.






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tigerskin
LSU Fan
Member since Nov 2004
9876 posts

re: At Doctor's Office and Paying With Cash


Let me see if I have this right. Let's make up some numbers and say your deductible is 5000 dollars. Let's say you pay 2 grand during the year without letting insurance company know. Then you have to have surgery that costs 10 grand. Will that insurance company know that you have spent 2 grand and only need to pay 3 grand before they start paying or will you need to pay 5 grand because it isn't in their records?





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jjbodean1970
LSU Fan
Morgantown, WV
Member since Mar 2006
6488 posts

re: At Doctor's Office and Paying With Cash


quote:

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

MD stands for "money dumb"






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VetteGuy
LSU Fan
Mandeville
Member since Feb 2008
12256 posts
 Online 

re: At Doctor's Office and Paying With Cash


You are trying to do exactly the right thing and honestly, it's where we are all headed.

Medical insurance was never designed to cover routine office visits. Just like the guys not claiming small fender-benders on their auto insurance b/c they know the premiums will go up, yet they pay a co-pay foe a sinus infection.

People who do not understand this simple concept, more claims= higher premiums, are failing at basic economics.






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WDE24
Wright St. Fan
Member since Oct 2010
41530 posts

re: At Doctor's Office and Paying With Cash


quote:

You are committing fraud.
It is only fraud if he lies or intentionally misrepresents something to them.

Not providing information to the insurer that he isn't obligated to provide is not fraud.






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777Tiger
LSU Fan
Member since Mar 2011
13060 posts

re: At Doctor's Office and Paying With Cash


quote:

You are however getting a better rate because the insurance company think you are something you are not.


and what of the insurance companies that raise your rates, without notification, hoping you might not notice, when you have a flawless record, or raising your homeowners rates because claims in another part of the country are up due to natural disaster? is this not fraud, or at least sleaze? in this case you are being penalized for being responsible,(this is why I "fired" USAA BTW)






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VetteGuy
LSU Fan
Mandeville
Member since Feb 2008
12256 posts
 Online 

re: At Doctor's Office and Paying With Cash


quote:

It is only fraud if he lies or intentionally misrepresents something to them.

Correct.

If you get a health insurance policy and you say you don't smoke, but you do, that's fraud.

Plus, when you get emphysema, they will just deny the claim(s).






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fightin tigers
Downtown Prairieville
Member since Mar 2008
23164 posts

re: At Doctor's Office and Paying With Cash


quote:

It is only fraud if he lies or intentionally misrepresents something to them. Not providing information to the insurer that he isn't obligated to provide is not fraud.


Oh yeah. 100% agree with this. If they don't ask and don't research then yeah, it isn't fraud.

I have never filled out an insurance form that didn't ask how many at fault accidents I have been in. Or health insurance that asked how many doctors visits.

Like Slag I haven't read my insurance policy so I can't say whether or not they have a "report accidents" clause. Would be surprised if they didn't.






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fightin tigers
Downtown Prairieville
Member since Mar 2008
23164 posts

re: At Doctor's Office and Paying With Cash


quote:

or raising your homeowners rates because claims in another part of the country are up due to natural disaster? is this not fraud, or at least sleaze? i


Not fraud, sleaze. But it is a frickin insurance company. That is why they have all of those tall buildings with their names on it. It's like legal casinos in every state.






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WDE24
Wright St. Fan
Member since Oct 2010
41530 posts

re: At Doctor's Office and Paying With Cash


Well as far as I can tell, he isn't lying or misrepresenting anything to an insurer, he is just not providing easy access to such information by paying for his own medical care up to the level of his deductible.





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Wishnitwas1998
Tennessee Fan
Walls, Ms
Member since Oct 2010
17043 posts

re: At Doctor's Office and Paying With Cash


My dad doesn't have insurance and the amount of money they come off on his meds compared to what they charge ppl's insurance companies is staggering

Just proves what a racket it all is and how much they make off insurance providers






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VetteGuy
LSU Fan
Mandeville
Member since Feb 2008
12256 posts
 Online 

re: At Doctor's Office and Paying With Cash


quote:

It's like legal casinos in every state.


Fact.
They don't lose money, ever.

Obmamcare is crap, but the insurance companies brought it on themselves. Making everyone into small groups and screwing people with pre-existing conditions caught up to them.

They got to greedy for too long.






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