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Liebling:-))) · 11-14-2007, 12:35 PM

[QUOTE]

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Originally Posted by Reba

The doctors and hospitals make arrangements for monthly payments that the family can afford.

Yes, I know... but what if they CANNOT afford for monthly payments when the bill is a huge?

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My mom had Medicare and Blue Cross insurance but still she had expensive out of pocket medical expenses. The hospitals and doctors let her pay $5 per week sometimes, and they were satisfied.

$5 per week for $300 to $500 is a logical but $10,000? $5 per week for $10,000 bill?

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Did you know that insurance actually increases the cost of medical care? If a patient pays cash for medical services, the cost is less. Example: Recently I broke a tooth. I need a crown for that tooth. The dentist receptionist told me it would cost $970. I told her that I don't have insurance, and that I will pay cash. She said, "Oh, that will be $873."

Same with auto insurance. My friend needed a new windshield. The repairman told her it would cost $225. She told him she didn't have insurance. He told her, "Oh, then it will cost $175."

Insurance increases costs.

Also, if a patient (such as my mom) doesn't pay the first bill received but resubmits it, often the new bill will be reduced. My mom always did that. She never paid the first notice bill. She would resubmit it to the hospital and doctors, and then they would recalculate and send her a lower bill. That shows that the hospitals and doctors always overcharge. They assume that people will not check the details and just accept whatever bill is sent.

But it shows their dishonest what they tried to charge you more when they thought you have an insurance.