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I used to go to a chiropractor, at a time when I had a high-deductible health plan. It was definitely cheaper to tell them I had no insurance. Basically, people
by gnicholas 3y ago
I used to go to a chiropractor, at a time when I had a high-deductible health plan. It was definitely cheaper to tell them I had no insurance. Basically, people without insurance tend to be less wealthy than people with insurance, so providers use this as a way to "price discriminate" and get the most out of both parties. Of course, the fact that insurance probably covers a good chunk of the total cost makes this system even more profitable.
- peteradio 3y agoYou should be able to turn around and submit a claim yourself to your insurance.
- gnicholas 3y agoThat's true. I don't know about the legality of telling a provider you don't have insurance if you do, though.
- peteradio 3y agoIt shouldn't matter one bit to the provider. This shouldn't be a triangular relationship at all. Provider should be providing a service for a known price. I should be able to claim to my insurance I've received said service and then they reimburse the thing. Having them negotiate in such a way that I have to pay both for insurance and then pay more for the fucking service after their deduction is some kind of insanity.
- gnicholas 3y agoI realize it "should" not matter, but in reality this is what I've encountered. And I don't know if it is impermissible to say you do not have insurance in order to get the no-insurance pricing. I simply said that I had a HDHP and they let me pay the cash price.