Posted on 01/05/2014 7:01:07 AM PST by RKBA Democrat
Hide health your insurance status and pay cash instead: http://www.kevinmd.com/blog/2012/06/hide-health-insurance-status-pay-cash.html
Medibid: http://www.medibid.com/
Health care bluebook: https://www.healthcarebluebook.com/
Pricing healthcare: https://pricinghealthcare.com/welcome
A problem for self-pay may not be such a good idea, especially if the patient has recurring medical needs.
Assuming the patient does enroll in Obamacare, they still need to meet the annual deductible. By going self-pay, they are not paying into the deductible. Thus, if they did have a big medical emergency need, they would still face the huge Obamacare deductible.
Expect Congress/the Admin to come out against self-pay and concierge-type medical facilities.
Like I said before. Other than full dictatorship, what prevents one from having a supplememtal international plan? Once again, Obamacare is zero care and plain confiscation of private insurance funds.
“A problem for self-pay may not be such a good idea, especially if the patient has recurring medical needs.”
Agreed and the article notes that. If you have an ongoing medical problem and are likely to hit your deductible, this might not be a good idea in the long run. However, given the sky high deductibles under deathcare, most folks are never going to get to use their “insurance” in any case.
Wow, thanks for the links!! You’ve done some of us a great service.
Our insurance is so screwed up now, that we are in the process of working out a deal like this with our chiropracter. He’s the only doc we see regularly, the only times we go to modern docs are for trauma issues. Luckily those issues are few and far between.
“Like I said before. Other than full dictatorship, what prevents one from having a supplememtal international plan?”
Nothing that I’m aware of. Interesting exemption is that expats are not required to sign up if they spend I believe 330 plus days out of the US each year.
If you have an Obamacare plan with one of those ridiculously high deductibles like $12,000 you would be money ahead to simply deny having insurance and pay cash for routine treatment as you would be paying for it out of pocket anyway. Perhaps Obamcare will reduce costs in an unexpected way because with the ludicrous coverage it provides, consumers will be paying for more of their medical care in cash and as this article suggests getting a better price. Since many providers accept credit cards you might even get a separate credit card to pay for your medical costs so you could spread out your cash payments
Thanks for the Post, great info....
I joined a healthcare co-op with a $10,000 deductible. I only wanted insurance/sharing for something catastrophic. My premium (monthly contribution) is less than half what I was paying before being cancelled by Blue Cross. If I don't disclose my coverage and can get discounts in excess of 70% of the insurance company pricing I'm way ahead. If these out of pocket expenses exceed 10% of my net annual income I get to deduct the excess.
We need to think about how to act in our own best economic interest rather than being forced into a collective mentality overseen by people exempted from it.
But most likely you are already in the ‘system’. A hospital WANTS you to have insurance...they can charge more. A hospital is going to ask you lots of questions and your name and insurance will be at the top along with your date of birth, of course.
Unless you have fake ID, etc., how would this be possible to get into a hospital for anything or see a doctor who knows he’ll get into trouble if he bucks the system?
bookmark
That’s a cool article. Thanks for the link.
Y’all are welcome.
You just say you’re going to pay for it yourself. No reason to lie. You’re under no obligation to use your health “insurance”; keep in mind that it’s a contract between you and the “insurance” provider, not the health care provider.
Ping to 0deathCare alternatives...
In reality how many people spend more than the now $8000 out of pocket expense of Obamacare? Yes, tragedies do happen and it is expensive. What is the most realistic thing to happen to us? A broken arm? A slip and fall in the winter? A nasty cut that needs stitches? These things are a couple thousand at most. And in the event of a really terrible event there are so many programs to help pay for these events and even financing can be arranged. (At least there use to be.) I had to have life saving surgery once and stayed a week in the hospital. When I woke up the first thing I saw was the hospital financial assistance people with dozens of options.
Now Obamacare had to mess it all up.
By the way, when I told the hospital I will be paying cash suddenly EVERYTHING was negotiable and I paid less than half of what they had planned to bill an insurance company. And all the disposable equipment they threw away? I didn’t pay for any of it because if I had to pay for it it was my property and I wanted it. If people saw what they are paying for and being charged the medical system would be fixed overnight.
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