Paying for healthcare without health insurance

  • 1,593 views
Uploaded on

COBRAhealth.com Demand that you will pay an insurer's negotiated rate, esp. if you are paying cash. …

COBRAhealth.com Demand that you will pay an insurer's negotiated rate, esp. if you are paying cash.
Ask the hospital for a discount if you pay a lump sum right away. Offer 50% of the bill. Mention bankruptcy.
Check your charges against the Medicare rates for the same care, at www.cms.gov. If there is a big difference, complain.
Get coverage for the sickest member of your family. Each state has a pre existing condition fund. If possible, enroll the chronically ill member. California law requires every hospital to have a charity care and discount payment program that pick up all or part of the cost of care for indigent or special needs families. Use the Healthcare Blue Book to find fair prices for surgery, hospital stays, doctor visits and medical tests, based on the average fee for providers in your area.
A Claims Assistance Professional can sort through your bills, identify errors, negotiate discounts, settlements and keep doctors, hospitals, insurers and collection agencies at bay. Dispute medical bills at all 3 credit bureaus. Initiate or demand arbitration if bill collectors threaten to sue you. Tell medical bill collectors not to call at any time. Ask them to validate the debt – prove that they own it and you incurred it.Use an accredited counseling agency to help you sort bills and draft a payment plan that works. Call The Access Project toll-free at 866-918-5232, ext. 231, for advice on medical debt resolution. Medical bankruptcies affect about 2 million Americans annually. But it is only a final option. I’ve helped thousands UN-insure themselves, cutting their expenses.

  • Full Name Full Name Comment goes here.
    Are you sure you want to
    Your message goes here
  • Good info, great presentation, this is some of my best stuff! I had to delete a bunch because it just became to big, but I will be putting that in future presentations.
    Are you sure you want to
    Your message goes here
    Be the first to like this
No Downloads

Views

Total Views
1,593
On Slideshare
0
From Embeds
0
Number of Embeds
1

Actions

Shares
Downloads
0
Comments
1
Likes
0

Embeds 0

No embeds

Report content

Flagged as inappropriate Flag as inappropriate
Flag as inappropriate

Select your reason for flagging this presentation as inappropriate.

Cancel
    No notes for slide

Transcript

  • 1. How to pay You have medical expenses but no insurance. Maybe you don’t qualify or can’t afford the premiums. Here are some (not bad) ideas. Healthcare By Craig J. Casey without health insurance COBRA health.com
  • 2. Community Health Centers 9,000 community health centers give either free care or partial payment. Some even provide dental. Expect long wait times, usually behind migrants. Healthcare By Craig J. Casey without health insurance COBRA health.com
  • 3. Attend preventive care and screenings in your community. Healthcare By Craig J. Casey without health insurance Preventative Care COBRA health.com
  • 4. Get checked Pay (or not) for an annual physical, go in when you have nagging issues now, not later when your situation worsens. Insured people live longer because of early detection. Healthcare By Craig J. Casey without health insurance COBRA health.com
  • 5. Got poverty? $5 copay and not deductibles. State-run program such as Medicaid use income and asset limitations, but the maxes are really low. Healthcare By Craig J. Casey without health insurance COBRA health.com
  • 6. Medical Devices If you need equipment (walker, wheelchair, reclining bed), ask people at church, senior center, or social club for used equipment they could lend you or donate. Healthcare By Craig J. Casey without health insurance COBRA health.com
  • 7. Dental schools offer extremely high-quality care for 1/3 the price. Healthcare By Craig J. Casey without health insurance Got Teeth? COBRA health.com
  • 8. Negotiate your own rates. If you must pay cash, haggle. Providers prefer a lump sum sooner over payments. Healthcare By Craig J. Casey without health insurance Payment Plans? COBRA health.com
  • 9. Visit an urgent care center vs. an emergency room. Visits to the ER cost $$$. Healthcare By Craig J. Casey without health insurance Urgent Care Center COBRA health.com
  • 10. Map out non profit Hospitals. For profits and public Hospitals charge the uninsured up to 700% what Medicare authorizes. Healthcare By Craig J. Casey without health insurance Public & Non Profits COBRA health.com
  • 11. When your doctor orders a lab test or x-ray, shop around at independent facilities that tend to be lower-cost. Healthcare By Craig J. Casey without health insurance Compare COBRA health.com
  • 12. Over 100 million Americans have a chronic medical issue. Negotiate directly with your specialist. Healthcare By Craig J. Casey without health insurance Let’s make a deal COBRA health.com
  • 13. Up to 80% of hospital bills contain errors. Check for dupes or BS outrageous fees. Request a 30-day extension to examine medical bills you think contain mistakes. Healthcare By Craig J. Casey without health insurance Check your medical bill COBRA health.com
  • 14. Demand that you will pay an insurer's negotiated rate, esp. if you are paying cash. Healthcare By Craig J. Casey without health insurance Put Yourself In Network COBRA health.com
  • 15. Ask the hospital for a discount if you pay a lump sum right away. Offer 50% of the bill. Mention bankruptcy. Healthcare By Craig J. Casey without health insurance Lump sum? COBRA health.com
  • 16.
      • Check your charges against the Medicare rates for the same care, at www.cms.gov . If there is a big difference, complain.
    Healthcare By Craig J. Casey without health insurance Compare to Medicare COBRA health.com
  • 17. Get coverage for the sickest member of your family. Each state has a pre existing condition fund . If possible, enroll the chronically ill member. Healthcare By Craig J. Casey without health insurance Pre Existing Condition Fund COBRA health.com
  • 18. California law requires every hospital to have a charity care and discount payment program that pick up all or part of the cost of care for indigent or special needs families. Healthcare By Craig J. Casey without health insurance Charity Care Programs COBRA health.com
  • 19.
      • Use the Healthcare Blue Book to find fair prices for surgery, hospital stays, doctor visits and medical tests, based on the average fee for providers in your area.
    Healthcare By Craig J. Casey without health insurance Haggle COBRA health.com
  • 20. A Claims Assistance Professional can sort through your bills, identify errors, negotiate discounts, settlements and keep doctors, hospitals, insurers and collection agencies at bay. Healthcare By Craig J. Casey without health insurance CAPs COBRA health.com
  • 21. Dispute medical bills at all 3 credit bureaus. Initiate or demand arbitration if bill collectors threaten to sue you. Healthcare By Craig J. Casey without health insurance Medical Bill Collectors Tell medical bill collectors not to call at any time. Ask them to validate the debt – prove that they own it and you incurred it. . . . . COBRA health.com
  • 22. Use an accredited counseling agency to help you sort bills and draft a payment plan that works. Call The Access Project  toll-free at 866-918-5232, ext. 231, for advice on medical debt resolution Healthcare By Craig J. Casey without health insurance Sick and in the red? COBRA health.com
  • 23. Medical bankruptcies affect about 2 million Americans annually. But it is only a final option. Healthcare By Craig J. Casey without health insurance Bankruptcy COBRA health.com
  • 24. About me: I became interested in finance watching my dad watch Wall St Week with Louis Rukeyser. Healthcare By Craig J. Casey without health insurance Years later I am a dad, husband, wrestling coach, blogger and financial writer. Realizing, I could not afford to insure against every possible loss, I’ve helped thousands UN-insure themselves, cutting their expenses. COBRA health.com
  • 25. Twitter.com/InsuranceCobra Facebook.com/Cobrainsurance Youtube.com/COBRAinsurance [email_address] Healthcare By Craig J. Casey without health insurance COBRA health.com