Posted 9/1/2011 4:01 AM (GMT -6)
Hi there, I have health insurance but extremely high copays and they do not cover any procedures (they apply to our individual deductibles, of $2500.00 per person). That said I have delayed a colonosocopy but someone told me to call my GI's billing office and ask what the cost would be if they didn't bill my insurance and I paid in cash the day of the procedure. Well, it is approx. half what I would have paid in the end, after my insurance would have rejected the claim and applied the amount to our deductible.
In other words I was going to have to pay $1500.00 but when I asked about a "self pay" amount, it was around $700.
Ask your doctor's billing office what the final cost would be if you self paid and paid in cash the day of.
Until recently I hadn't heard of people doing this but apparently, it's becoming more and more common, since so many people are w/o insurance or as in my case, with inadequate insurance (I pretty much only consider our insurance now for catastrophic instances, God-forbid they ever happen).