Category Archives: Critical Illness, Accident, & Fixed Benefit Insurance

Do you need health insurance? Yes, sort of.

Last week the blog Political Calculations had a provocative post titled “Do you even need health insurance?” It included a calculator that allows individuals to assess the likelihood of needing hospital care at each age, which is the purpose of health insurance … Continue reading

Posted in Affordable Care Act, Charity Care, Critical Illness, Accident, & Fixed Benefit Insurance, Health Sharing Ministries, High-deductible health insurance, Medical Loans, Mental Health, Short-term health insurance | Tagged , , , | 2 Comments

Telemedicine providing needed care at an affordable cost

One of the many options that self-pay patients have for affordable primary care is telemedicine. The concept behind telemedicine is fairly simple – patients sign up and provide their medical history to the company, and when they want to talk to … Continue reading

Posted in Critical Illness, Accident, & Fixed Benefit Insurance, Telemedicine | Tagged , , , , , , , | 7 Comments

What are Obamcare enrollee Chad Henderson’s options as a self-pay patient?

Last week was the opening of the Obamcare exchanges, and not surprisingly there was a lot of media coverage surrounding it. One story that caught my attention was the media coverage of Chad Henderson of Georgia, a 21-year old part-time college student … Continue reading

Posted in Affordable Care Act, Critical Illness, Accident, & Fixed Benefit Insurance, Health Sharing Ministries | Tagged , , , , , , , , , , , , , | 9 Comments

How to save money as a self-pay patient in the emergency room

Self-pay patients can, with a little advanced planning and conscious effort, wind up saving a lot of money. Whether it’s finding a cash-only doctor, visiting hospitals and surgical facilities in the U.S. that offer up-front and real prices, signing up for a telemedicine service, using generics and … Continue reading

Posted in Charity Care, Critical Illness, Accident, & Fixed Benefit Insurance, Emergency/Urgent Care, Health Sharing Ministries, High-deductible health insurance, Hospitals, Negotiating Medical Bills | Tagged , , , , , , , , , , , , , , | 1 Comment

Connect2Docs ‘bundling’ of services for self-pay patients = big savings

The Self-Pay Patient has been up and running for about six weeks at this point, and I’ve probably brought to readers’ attention dozens of different providers, companies, facilities, organizations, programs, and web sites that can help the uninsured or those with high-deductible health insurance to save money … Continue reading

Posted in Bundled Services, Cash-Only Doctors, Convenient Care Clinics, Critical Illness, Accident, & Fixed Benefit Insurance, Labs & Imaging, Negotiating Medical Bills, Prescription Drugs, Telemedicine | Tagged , , , , , , , , , , , , , | 3 Comments

To buy or not to buy Obamacare insurance – a handy calculator

The Obamacare exchanges open up on October 1, or at least that’s the plan – technical glitches could always delay the opening for a few days or even weeks, but it seems almost certain they will open in October. Once … Continue reading

Posted in Affordable Care Act, Critical Illness, Accident, & Fixed Benefit Insurance, Health Sharing Ministries, High-deductible health insurance | Tagged , , , , , , , | 4 Comments

Critical illness insurance as a substitute for ‘comprehensive’ health insurance

I’ve probably mentioned critical illness policies half a dozen times as potential substitutes for high-priced ‘comprehensive’ health insurance, but I haven’t actually gotten around to explaining what they are and how they can be of benefit to self-pay patients (and of course, what their … Continue reading

Posted in Critical Illness, Accident, & Fixed Benefit Insurance, Medical Tourism | Tagged , , , , , , , , , | 6 Comments

Thyroid cancer specialist talks about being cash-only

Cancer treatment can easily be one of the most expensive medical bills that anyone will ever be hit with. And unfortunately, while there are numerous options for self-pay patients seeking primary care, when it comes to cancer treatment the options … Continue reading

Posted in Cash-Only Doctors, Charity Care, Critical Illness, Accident, & Fixed Benefit Insurance, Price Transparency, Surgery | Tagged , , , , , , , | Leave a comment

Alternative funding for healthcare – medical loans

One of the major challenges for many self-pay patients is finding the money to pay for major treatments such as surgery. Whether a person is uninsured, has high-deductible health insurance, or has ‘comprehensive’ insurance that won’t pay for a specific … Continue reading

Posted in Critical Illness, Accident, & Fixed Benefit Insurance, Health Sharing Ministries, Medical Loans, Surgery | Tagged , , , , , , , , , , , , | 4 Comments

Fixed-benefit insurance policies an alternative to ‘comprehensive’ insurance

Today the Wall Street Journal has a fascinating op-ed piece titled ‘The Man Who Was Treated for $17,000 less,’ written by Dr. Jeffrey Singer of Arizona. The story resembles many that I’ve written about here, with unsuspecting self-pay patients potentially … Continue reading

Posted in Critical Illness, Accident, & Fixed Benefit Insurance, Health Sharing Ministries, High-deductible health insurance, Hospitals, Price Transparency, Surgery | Tagged , , , , , , , , , , , , , | 12 Comments