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Is it possible to pay cash prices without an HSA? I'm under the impression that if you have health insurance (high deductible or not) you are required to use i
by felideon 13y ago
Is it possible to pay cash prices without an HSA? I'm under the impression that if you have health insurance (high deductible or not) you are required to use it.
The one time I asked for a cash price for a shot at a hospital, it was pretty quick for the receptionist to give it to me. (Incidentally, $150 cash vs. the $300 bill that came in the mail later, since I used my insurance. For a shot of Rhogam.)
- EvanAnderson 13y agoThat depends. Some providers are contractually bound (and in some jurisdictions laws also apply) into "preferred provider contracts" that require the provider to bill your insurance and disallow them from taking cash.
- ams6110 13y agoYes. You can look for doctors that run cash practices. There aren't a lot of them, but they do exist.
- usefulcat 13y agoI could certainly be wrong, but I'm not aware of any requirement to always use insurance. However, if you pay for treatment out of pocket wouldn't you still need to involve your insurance company somehow in order for your payment to be counted towards your deductible?
- mgkimsal 13y agoI don't think expenses count towards a deductible unless it was related to an insurance claim in the first place. If I have a $5k deductible, I could pay cash and claim it was $5k for anything, and that now the insurance companies needs to start paying their share. I'm sure they wouldn't like that.