Paying Cash at Urgent Care
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Hence why I am planning a Vacation out of the country in the next few years to have some major surgery. I will either be going to Spain or Switzerland. The cost of a 2 week resort vacation with my surgery included is MUCH less than I have been quoted here.
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@Minion-Queen said:
Hence why I am planning a Vacation out of the country in the next few years to have some major surgery. I will either be going to Spain or Switzerland. The cost of a 2 week resort vacation with my surgery included is MUCH less than I have been quoted here.
Had a conversation this morning about this with my wife. Trying to figure out if we can swing no insurance in the US with planned procedures while in Japan.
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It's actually much easier to deal with than insurance. Getting procedures done else where is totally worth the savings.
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@JaredBusch said:
@Minion-Queen said:
Hence why I am planning a Vacation out of the country in the next few years to have some major surgery. I will either be going to Spain or Switzerland. The cost of a 2 week resort vacation with my surgery included is MUCH less than I have been quoted here.
Had a conversation this morning about this with my wife. Trying to figure out if we can swing no insurance in the US with planned procedures while in Japan.
We spent about a month considering this. We have it easier than you, whenever we are in the US we are either on the Canadian or Mexican borders (more or less) and outside of the US the vast majority of the year. It's a bit scary being in the US without insurance, but the reality is is that it is scary being in the US with insurance, so while it's scary, mostly it isn't the big deal that it seems to be.
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@scottalanmiller said:
@JaredBusch said:
@Minion-Queen said:
Hence why I am planning a Vacation out of the country in the next few years to have some major surgery. I will either be going to Spain or Switzerland. The cost of a 2 week resort vacation with my surgery included is MUCH less than I have been quoted here.
Had a conversation this morning about this with my wife. Trying to figure out if we can swing no insurance in the US with planned procedures while in Japan.
We spent about a month considering this. We have it easier than you, whenever we are in the US we are either on the Canadian or Mexican borders (more or less) and outside of the US the vast majority of the year. It's a bit scary being in the US without insurance, but the reality is is that it is scary being in the US with insurance, so while it's scary, mostly it isn't the big deal that it seems to be.
That was part of our discussion today. We paid over $10k last year in medical premiums alone. This year will be $8412 for the premium.
Last year we had a fractured elbow the resulted in ER visit because it was after hours for urgent care. and then referred to a children's er. so that was $1k in ER bills $500 copay twice). But still even with those fees if we had paid cash I am sure we would have been way under $10k.
The biggest part of it I have to overcome is my wife's insistence on insurance because she is not american.
She sees the bill and complains about it. but when we have these conversations, she is not yet able to break her mind away from having it and paying for services directly.
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I think most people have that feeling..... insurance is like bundling, we are so trained that it's good for its own sake that we forget that it's a balancing thing. That's how, for example, Best Buy makes so much money. The big money isn't selling a Blueray player, it's selling a big insurance plan on it that makes a huge profit. All of that insurance profit has to come from the people buying insurance. So many people say that any insurance is better than no insurance, but the reality is, that can't be the case.
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Here's something noteworthy about Samaritan Ministries. The doctor visit was $84 just as the pediatrician's office said it would be. There were no procedures done for which they would need to bill after the fact. They prescribed an antibiotic cream and some liquid to take since she had an infected finger as well (normally the cream would get it). They called it in to a local CVS for us (all done electronically), and when they told me the price of the cream and the oral suspension liquid, it was going to be close to $240 (both were generic).
That's when I remembered Samaritan sent us a prescription card. It came in quite handy and reduced the medicine price by about $100. So if you do end up signing up for something like this (heathcare sharing network), use the prescription card.
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@NetworkNerd said:
That's when I remembered Samaritan sent us a prescription card. It came in quite handy and reduced the medicine price by about $100. So if you do end up signing up for something like this (heathcare sharing network), use the prescription card.
WTF? I've always wondered how these cards work? why/how do you instantly get $100 off. The assumption is that Samaritan isn't paying CVS, but then again, maybe they are.
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@Dashrender said:
@NetworkNerd said:
That's when I remembered Samaritan sent us a prescription card. It came in quite handy and reduced the medicine price by about $100. So if you do end up signing up for something like this (heathcare sharing network), use the prescription card.
WTF? I've always wondered how these cards work? why/how do you instantly get $100 off. The assumption is that Samaritan isn't paying CVS, but then again, maybe they are.
I wonder if you could just make up a discount card and get the discounts. I know a lot of hotels work that way, they don't have a central program and just do whatever a coupon says.
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@scottalanmiller said:
@Dashrender said:
@NetworkNerd said:
That's when I remembered Samaritan sent us a prescription card. It came in quite handy and reduced the medicine price by about $100. So if you do end up signing up for something like this (heathcare sharing network), use the prescription card.
WTF? I've always wondered how these cards work? why/how do you instantly get $100 off. The assumption is that Samaritan isn't paying CVS, but then again, maybe they are.
I wonder if you could just make up a discount card and get the discounts. I know a lot of hotels work that way, they don't have a central program and just do whatever a coupon says.
This discount card had a group number and says it is administered by EnvisionRxOptions but has the Samaritan logo on it.
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@NetworkNerd said:
@scottalanmiller said:
@Dashrender said:
@NetworkNerd said:
That's when I remembered Samaritan sent us a prescription card. It came in quite handy and reduced the medicine price by about $100. So if you do end up signing up for something like this (heathcare sharing network), use the prescription card.
WTF? I've always wondered how these cards work? why/how do you instantly get $100 off. The assumption is that Samaritan isn't paying CVS, but then again, maybe they are.
I wonder if you could just make up a discount card and get the discounts. I know a lot of hotels work that way, they don't have a central program and just do whatever a coupon says.
This discount card had a group number and says it is administered by EnvisionRxOptions but has the Samaritan logo on it.
Can I get a copy and see if they'll apply it to my account to?
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@Dashrender said:
@NetworkNerd said:
@scottalanmiller said:
@Dashrender said:
@NetworkNerd said:
That's when I remembered Samaritan sent us a prescription card. It came in quite handy and reduced the medicine price by about $100. So if you do end up signing up for something like this (heathcare sharing network), use the prescription card.
WTF? I've always wondered how these cards work? why/how do you instantly get $100 off. The assumption is that Samaritan isn't paying CVS, but then again, maybe they are.
I wonder if you could just make up a discount card and get the discounts. I know a lot of hotels work that way, they don't have a central program and just do whatever a coupon says.
This discount card had a group number and says it is administered by EnvisionRxOptions but has the Samaritan logo on it.
Can I get a copy and see if they'll apply it to my account to?
lolUh oh... Insurance fraud here we come!
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@coliver said:
@Dashrender said:
@NetworkNerd said:
@scottalanmiller said:
@Dashrender said:
@NetworkNerd said:
That's when I remembered Samaritan sent us a prescription card. It came in quite handy and reduced the medicine price by about $100. So if you do end up signing up for something like this (heathcare sharing network), use the prescription card.
WTF? I've always wondered how these cards work? why/how do you instantly get $100 off. The assumption is that Samaritan isn't paying CVS, but then again, maybe they are.
I wonder if you could just make up a discount card and get the discounts. I know a lot of hotels work that way, they don't have a central program and just do whatever a coupon says.
This discount card had a group number and says it is administered by EnvisionRxOptions but has the Samaritan logo on it.
Can I get a copy and see if they'll apply it to my account to?
lolUh oh... Insurance fraud here we come!
No no, just DISCOUNT fraud.
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@scottalanmiller said:
@coliver said:
@Dashrender said:
@NetworkNerd said:
@scottalanmiller said:
@Dashrender said:
@NetworkNerd said:
That's when I remembered Samaritan sent us a prescription card. It came in quite handy and reduced the medicine price by about $100. So if you do end up signing up for something like this (heathcare sharing network), use the prescription card.
WTF? I've always wondered how these cards work? why/how do you instantly get $100 off. The assumption is that Samaritan isn't paying CVS, but then again, maybe they are.
I wonder if you could just make up a discount card and get the discounts. I know a lot of hotels work that way, they don't have a central program and just do whatever a coupon says.
This discount card had a group number and says it is administered by EnvisionRxOptions but has the Samaritan logo on it.
Can I get a copy and see if they'll apply it to my account to?
lolUh oh... Insurance fraud here we come!
No no, just DISCOUNT fraud.
Ah... well then that's completely different. Carry on.
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@Dashrender said:
@NetworkNerd said:
@scottalanmiller said:
@Dashrender said:
@NetworkNerd said:
That's when I remembered Samaritan sent us a prescription card. It came in quite handy and reduced the medicine price by about $100. So if you do end up signing up for something like this (heathcare sharing network), use the prescription card.
WTF? I've always wondered how these cards work? why/how do you instantly get $100 off. The assumption is that Samaritan isn't paying CVS, but then again, maybe they are.
I wonder if you could just make up a discount card and get the discounts. I know a lot of hotels work that way, they don't have a central program and just do whatever a coupon says.
This discount card had a group number and says it is administered by EnvisionRxOptions but has the Samaritan logo on it.
Can I get a copy and see if they'll apply it to my account to?
lolWhat's it worth to you?
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@NetworkNerd said:
@Dashrender said:
@NetworkNerd said:
@scottalanmiller said:
@Dashrender said:
@NetworkNerd said:
That's when I remembered Samaritan sent us a prescription card. It came in quite handy and reduced the medicine price by about $100. So if you do end up signing up for something like this (heathcare sharing network), use the prescription card.
WTF? I've always wondered how these cards work? why/how do you instantly get $100 off. The assumption is that Samaritan isn't paying CVS, but then again, maybe they are.
I wonder if you could just make up a discount card and get the discounts. I know a lot of hotels work that way, they don't have a central program and just do whatever a coupon says.
This discount card had a group number and says it is administered by EnvisionRxOptions but has the Samaritan logo on it.
Can I get a copy and see if they'll apply it to my account to?
lolWhat's it worth to you?
rummages through pockets: A pen, a stick of chewing cum, and 83 cents.
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Check out http://www.goodrx.com/ It has been pretty decent at reducing some prescription prices.
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Just checked darn my inhaler is still $280 using that.
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@Minion-Queen said:
Just checked darn my inhaler is still $280 using that.
ProAir is pretty cheap at only $60
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@Dashrender said:
@Minion-Queen said:
Just checked darn my inhaler is still $280 using that.
ProAir is pretty cheap at only $60
Is that as good as Con Air?
