 Can anyone help me with my situation? |
| I am 16 and dont have any form of insurance i need help in finding my own insurance as far as dental, medical, and vision. Please help.... |
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 Employee share for health insurance? |
| I'm considering a job change to small company ( approximately 130 employees). Cost for health insurance would be about $770 a month for a wife and husband, that's after the employer ... |
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 Does any company offer health insurance to spouses when newly employed? |
| It seems like all spouses are excluded from health insurance benefits when a company is hiring a new employee. Are there any companies in this year, 2006, that will give the spouse and/or family ... |
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 Can my employer cancel my medical insurance if i am currently being treated for a diagnosed medical condition? |
| i am being treated for a medical condition and my employer has chosen to put me back to part time (for missing too much work due to the medical condition) and cancel my medical insurance. does my ... |
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 Buying renters/contents insurance -how to I find out what the roof's made of, what sort of locks are there etc? |
| I'm just moving into a small flat with my girlfriend and I'm looking at contents/renters insurance. My problem is, I don't know if the main doors have a 247 leaver killer-man deadlock ... |
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| The fire that started from my house spread to my neighbors and it burned their houses. The accident happened when I wasn't at home and the reason for the fire was electric leakage from fire ... |
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 Wheres the best health insurance for 2 people who arent married? |
| me and my boyfriend r in need to go to dentist and doctor but we have no insurance where would b the best place to look ? we r not married does it matter?... |
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| Can I use another doc in my PCP's practice if she is not there...I have BCBS HMO.? |
| I have had a regualr BCBS HMO forever, but have ever had a problem seeing my doctor. i HAVE to go to the doctor today and she is not there. Can I see any doctor in the same group or will ins not ... |
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| My dad is suing a company because he is disabled and he was interviewing for a job. I'm not exactly sure what happened but they discriminated him cause his disabled. He got a letter from the ... |
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 Urine tests? for life insurance? |
| What do nurses check for in urine tests for life insurance???... |
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 Can my parents be forced to pay my medical bills if im insured on their plan and they dont want to pay for me? |
| i am insured under my parent's health insurance, and recently had to go to the er because of alcohol poisoning. if my parents refuse to use their insurance to pay the costs, what happens? can ... |
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 What company do you have your health insurance through? |
We currently have BCBS medical insurance with dental and the price keeps going up and up. I am seriously thinking about switching companies. Can anyone recommend a company that I can switch to?
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 Buying individual health insurance: Why do some say a small independent broker is best? |
OK. I understand not to use a broker that is connected with a single insurance product, but what's up with a broker that works for a consulting firm? Is a national consulting firm bad?
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KJ | Surgery without insurance? |
My husband broke a bone in his hand and has to have surgery to fix it. We don't have insurance and no doctors accept payment plans. His income is to high for any kind of gov. aid and it cost $3,500. We were told he has to pay this all up front next week. Any ideas (besides asking for a loan) would be great. By the way we don't live in the county for the free hospital so that is out too. Thanks! |
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HC Investigator
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A provider organization that is reputable will allow you to make pmts. However if you let them know up front you are a self pay & can pay in full (credit card, loan, etc) then it is highly possible you can negotiate a deduction on the cost of the surgery. All services are negotiable, so you need to contact the hospital and just simply ask for the area that will speak to you regarding a negotiation for the upcoming services. I work at an ins co & we call for people and negotiate prompt pay discounts. We do this when the services are out of network & no contracted discount is given on the front end. as long as pmt is made usually w/in 10 days we are allotted a discount. You need to remember costs associated w/surgery will or could also have radiology, pathology, anesthesia, the surgeon bill and the facillity bill. all the bills will be sent seperately. There is also a possibility of "assistant anesthesia CRNA " or "assistant surgeons" involved in the care and medications prescribed once you are out of the hospital. get the facts and be prepared. |
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justbeingher
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There is no fast easy answer for this. The only other option you have is medical escrow - and you have to save up enough in the account for a surgery. The benefit is that these companies use the same negotiators as the insurance companies. Little-known fact - the same surgery that a doc will charge you full-price for, the doc will accept about 1/5 the money from the insurance company because they know they are getting paid. Yeah, it sucks. I had the same situation when I needed knee surgery. Thank God my ex, who is a doc, was able to fix my knee so that I don't need surgery.
Sounds like this surgery will be done in a day surgery and not a hospital. Docs get together and open these surgery centers and they don't work with people like hospitals do. |
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lray1957
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you don't have many options, see if the hospital can work out a plan, get a loan, or go to a US hospital and pretend you're an illegal and don't speak English. |
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mbrcatz
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If you don't have $3500 in savings, I think you're going to need to ask for the loan.
But you should call the doctor and hospital, and ask them for a "cash price" for the surgery. |
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Ian J
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Any hospital that requires you to pay up front sounds like a scam waiting to happen. Hospitals are required by law to work with patients to establish payment plans that fit into their budget, and they generally are not allowed to tack on interest. Unless the surgery is not medically necessary, I'd say this place is taking you for a ride. Move on to a more reputable medical facility. |
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