No Insurance or Cash, No Medical Care

Doctors today are faced with so many issues that divert their attention from their patients. One of these is payment for services.  If a patient has no health insurance, cash or credit card, that patient will go without, or seek medical care at the ER and pay later. As physicians are faced with so many diversions like increasing patient visits and "paper work" (computer, phones, etc.) primarily associated with insurance issues, many are taking cash only.  Cash only secures immediate payment without paper pushing.  This decreases overhead as well because less staff is needed.  More doctors are finding this the preferred way to do business. 

Patients with insurance are already finding that some doctors are not taking any insurance, Medicare, or Medicaid.  Why?  Reimbursement rates for their services are getting less each year thereby decreasing overall income, and profit to run their office. The overwhelming amount of “paper work” is taking more time and often requires more staff.  Without this more time is spent in patient care.  This is what most doctors find rewarding – more time with patient care and doing what they do best, taking care of their patients.

Yes, you must pay to see your doctor and other health care providers, but how you pay may determine the availability.  Cash allows you to see who you want to see.  Health insurance usually has provider networks of who they want you to see.  Should you want to see an out of network doctor that you know, or feel would be better for you, you still have to pay for services rendered.  Even with health insurance cash/ credit is required for deductibles and co-payments.

The bottom line remains, no cash or health insurance, no medical care.  At least with health insurance, you are covered especially if a major medical malady occurs like surgery http://bit.ly/1hwqnpX or chronic disease.  If you have the cash you’re covered.  If not, get covered.  Great health is true wealth.

Best health! http://amzn.to/13m51UU