Tag Archives: Health insurance

How to Opt Out of Obamacare

December has arrived, and the deadline to apply for health insurance through the Affordable Care Act (better known as Obamacare, of course) that will be effective January 1 is looming large. Recent press accounts suggest the online exchanges are working … Continue reading

Posted in Affordable Care Act, Cash-Only Doctors, Convenient Care Clinics, Critical Illness, Accident, & Fixed Benefit Insurance, Direct Care Practice, Health Sharing Ministries, Medical Tourism, Negotiating Medical Bills, Price Transparency, Short-term health insurance, Telemedicine | Tagged , , , , , , , , , , , , , , , , , | 34 Comments

What to do if You Absolutely Can’t Afford Health Insurance

Guest Post by Kevin Mercadante Let’s get this point out of the way up front: everyone should have health insurance. We all know this without anyone emphasizing the point. But with job losses in recent years, companies canceling their coverage, and the cost … Continue reading

Posted in Critical Illness, Accident, & Fixed Benefit Insurance, General Savings, High-deductible health insurance, Prescription Drugs | Tagged , , , , , , , | 1 Comment

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

Webinar for medical bill mediation services

One of the financial risks self-pay patients face is going to the hospital for treatment and getting hit with so-called ‘chargemaster’ prices. These prices are hugely inflated over what the real price for treatment is, often three to five times … Continue reading

Posted in Negotiating Medical Bills | Tagged , , , , , , , , , | 1 Comment

More doctors abandoning insurance system, going ‘cash-only’

Being a self-pay patient, either uninsured or with a high deductible health insurance policy, can be a challenge on many levels. For most people who only need to be able to find a doctor to take care of routine primary … Continue reading

Posted in Cash-Only Doctors, Direct Care Practice | Tagged , , , , | 1 Comment

Liberty HealthShare: a health sharing ‘ministry’ for all faiths (or no faith at all)!

I’ve discussed healthcare sharing ministries several times since launching The Self-Pay Patient blog. Their benefits of joining are pretty simple to understand – they generally cost far less than conventional health insurance, they provide coverage for medical expenses that is fairly comprehensive … Continue reading

Posted in Health Sharing Ministries | Tagged , , , , , , | 85 Comments

Orthopedic surgery center in New York City begins offering cash prices

For the past several months I’ve cited the Surgery Center of Oklahoma several times as a place where self-pay patients can go to get real prices that are ‘all-inclusive,’ meaning the fee listed covers the entire procedure, and patients don’t have to … Continue reading

Posted in Cash-Only Doctors, Hospitals, Price Transparency, Surgery | Tagged , , , , , , , , , | 4 Comments

Short-term health insurance, a low-cost alternative to Obamacare

Two weeks into the opening of the Obamacare exchanges, some prospective customers are finding that the premiums they are being asked to pay are more than they’d anticipated or hoped for. A recent article in the San Jose Mercury News titled ‘Obamacare’s … Continue reading

Posted in Affordable Care Act, Short-term health insurance | Tagged , , , | 16 Comments

One family’s experience with a health sharing ministry

I’ve written several times about health sharing ministries, which are voluntary associations of Christians that agree to share each other’s medical bills. Ministries function similar to insurance, but they aren’t regulated the way insurance companies are and they don’t have to … Continue reading

Posted in Health Sharing Ministries | Tagged , , , , , , , , | 6 Comments

An auction for medical procedures? MediBid breaks new ground in healthcare

I’ve mentioned MediBid in the past, but I don’t know that I’ve ever explained what it is or how it works. Which is a major oversight on my part, because they’re one of the most innovative companies around catering to self-pay patients, … Continue reading

Posted in Cash-Only Doctors, High-deductible health insurance, Hospitals, Labs & Imaging, Medical Tourism, Negotiating Medical Bills, Price Transparency, Surgery | Tagged , , , , , , , | 2 Comments