Self Pay Medical Expenses-Help Cut My Costs in Half

During our 35 years of marriage, I and my wife been without affordable health insurance. Not because we didn’t need or didn’t understand health insurance, but simply we know we can get medical cost by half. Can you imagine how to pay for insurance premiums when the prices are steep, but also the doctor’s fee and medical costs? Until a few years ago, I learned the easy and simple way for us to save hundreds and possibly thousands of dollars. Self Pay Medical Expenses that apply these years we have received significant discounts for consultations session with our family doctor, prescriptions drugs, hospitals, including expensive tests such as MRI.

The first time I went for paying my medical bills, they told me an office visit is $ 100. When it was time to pay, I was asked for my insurance information. When I told them that I had no insurance and the lady said, “Understand that you are a self pay, it will be $ 50”. Here’s the deal. Their charge was $ 100. It’s almost as if $ 100 is the sum of any number on the knowledge that the insurance companies pay even less than normal price.

When I visited my doctor, she gave me discounted fee. The amount is likely the same that she has received from the insurance company directly. The advantage to my doctor of getting the money directly from her patients like me is at the time of service so that there is no a long waiting period and no paperwork.

A few years ago, my wife took a special MRI to the hospital. I called the hospital and was told that the cost of MRI was $ 1,500. I told them that I will pay it by myself not trough insurance. They went to give me 50% discount if pay them within 30 days of service. Finally to my surprise, they are willing to cut more 20 % if I can pay at the time of service. This arrangement alone bring our costs by $ 600, we have saved $ 900. This is the benefit of decided to go for Self Pay Medical Expenses.