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  #21  
Old 12-20-2016, 04:10 PM
Dr T Non-Fan Dr T Non-Fan is offline
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Originally Posted by Big ole nasty fish View Post
I'm not talking about a theoretical world where there are no insurers-- I'm talking about right now if I went to the doctor they would charge me less if I paid all cash versus having my insurer, UHC, pay.
No.
Too many other people that have to be paid. Could fall in love with some doctor who might come treat you at home for your flu-like symptoms. In a few months, you might have sex with her, assuming normal actuarial progress.

What you propose is pretty interesting. Perhaps people with troubling symptoms could log into a "Dr Craig's List," negotiate a price among several willing local providers for doctor's visit and tests, or an ER/Urgent care visit, or even cancer treatments.
The last one would be expensive regardless, and your insurer, which would pay for most of it, might already want to do that, with your approval.
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  #22  
Old 12-20-2016, 04:12 PM
Dr T Non-Fan Dr T Non-Fan is offline
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Until Dr Craig's List is available (trademark pending), try these techniques to lower your bills:
http://www.clearpoint.org/blog/how-t...eceive-a-bill/
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  #23  
Old 12-20-2016, 04:13 PM
Dr T Non-Fan Dr T Non-Fan is offline
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Quick note: don't use regular Craig's List:

http://www.wsoctv.com/news/local/pol...oman/113034927
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DTNF's Trademarked Standard Career Advice: "pass some exams and get back to us."
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  #24  
Old 12-20-2016, 04:38 PM
Big ole nasty fish Big ole nasty fish is offline
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Quote:
Originally Posted by packman View Post
How much discount do you think you can get for paying cash? (and versus the discount you get from insurance company).
Hundreds of dollars cheaper. Again, this is anecdotal based on a few of my own experiences.
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  #25  
Old 12-20-2016, 04:40 PM
Big ole nasty fish Big ole nasty fish is offline
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Originally Posted by JMO Fan View Post


Regulations require rate reductions in most states if claims are low. ACA's MLR forces refunds for low loss ratios.
And If aca is repealed? Are there other regulations involved here?
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  #26  
Old 12-20-2016, 04:42 PM
Big ole nasty fish Big ole nasty fish is offline
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Originally Posted by Dr T Non-Fan View Post
Your words.
Fair enough. This is why I come to health forum to vet ideas before quitting my full time job
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  #27  
Old 12-20-2016, 04:42 PM
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Childish Gambino Childish Gambino is offline
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This thread on teambrella is relevant to the OP http://www.actuarialoutpost.com/actu...d.php?t=307959

Might be the one JMO was thinking of
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  #28  
Old 12-20-2016, 06:00 PM
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Originally Posted by Big ole nasty fish View Post
Does this matter if you are paying cash? Often providers will give discounts for cash, right?
I know of one provider whi did this. In the 1980s. Now they just tell you to bring your copay and deductible with you to your appointment.
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  #29  
Old 12-21-2016, 01:30 AM
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Win-win. Win.
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  #30  
Old 12-21-2016, 02:30 AM
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Originally Posted by Big ole nasty fish View Post
Insurance is an antiquated and bureaucratic industry with an inherent conflict of interest at its core where companies make more money if they deny more claims.

With the current technology available, couldn't there be a simpler alternative to health insurance where families, friends, or other associations connect via some kind of mobile app to insure one another without all of the bureaucracy? Wouldn't this ultimately be much simpler and less costly then the current insurance business model?

I am very interested to hear your thoughts as to why or why not this is/isn't a good idea, or why it may/may not be possible under the current regulatory regime and if the ACA is repealed.

Thanks
Something like this, Boniface?
https://mychristiancare.org/medi-share/
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