Quick story. My friend's mother had skin cancer. Went for years to the same doctor. This was even before she had the cancer. Obamacare came along and she could not go to her same doctor. She fought tooth and nail with the insurance company. Of course she lost. She went back to her own doc. She offered to pay them in cash for a discount. They said yes. She is paying *much much* less for all the tests and procedures. The secretary said the office *hates* and I mean hates to deal with insurance companies. They never know how much reimbursement they will get back. I know other people who offer cash for discounts. If you have a doctor that does it, great. I don't think it ever hurts to offer them cash. Some will negotiate.
I'm glad it is working out for her.
It has been my experience where I live that the cash payer gets the ultimate screwing.
My unfortunate trip to the emergency room cost me 10 times more after Obamacare than a similar visit before.
I suppose I should be thankful, because I was able to negotiate them down from 20 times the cost of my previous visit.
I live in a small town with one hospital and no nearby options.
These people could care less about cash payers.
This hospital publicly supported Obamacare's passage.
As far as individual physicians, there are only a couple independent ones left in my town.
All the rest are members of a hospital-owned group.