Discriminating About Cash Payments For Services Rendered

Purchasing health insurance is one of the biggest things that you can do to help protect your family. Having a health insurance policy allows you to see doctors freely, at will and this can bring you and your family some peace of mind helping to not only pay some of your medical expenses but also helping to reduce medical bills each and every time you visit the doctor.

If you insist that paying with cash is the way to go when seeking the services of a doctor, you most likely are wrong. Cash payers are not always rewarded with discounts and more often than not, just the opposite is true. You, in fact could be paying more because doctors will create amounts being charged on what they think the customer will pay. Insured patients are protected against this practice, while those paying with case might be overpaying under the guise of reasonable charges.

Insured patients know that submitted bills are always reduced. This is true even if you decide that you as a patient have no intention on paying any part of the bill. Services rendered to insured patients are kept in check and within reason by the health insurance industry and will only approve a limited amount of payment they feel is reasonable and customary for the services provided. It should be easy to realize using a health insurance policy will help reduce medical expenses for everyone.

Patients who pay with cash are charged, in some cases three times more than insured patients for the same treatment and procedures. These patients don't have the protection that a health insurance policy provides against over priced services at doctors' offices or hospital care. Reasonable and customary standards and charges will change depending on how you plan to pay for your medical treatment.

Any health insurance policy, no matter how mediocre, will save you some serious money. Even if you can and would rather pay cash, you might want to reconsider your position on this issue. A insurance policy will help you reduce and save money on medical bills, up front or otherwise. Annual exams, screening tests, blood work as well as doctor office visits can quickly add up, but will pale in comparison to these same services and the charges associated without using reasonable and customary standards set forth by the health insurance companies.