No health insurance

[Gigi3000]

I am 61 and want to move to The Villages. I am healthy but take blood pressure meds. I have no insurance but need my blood pressure meds refilled. How do I find a doctor to do this? I need the prescription given to me so I can mail it to get it filled.

[NotGolfer]

You're healthy, til you're not. Things can happen over-night that can be life-altering. I would contact an ins. agent for your info. to find out what you might do.

[retiredguy123]

I'm not sure what the issue is. There a lots of doctors in The Villages. You call one, make an appointment, and pay them in cash. If you don't have any money, you can apply for Medicaid.

[Gigi3000]

I've tried a couple of doctors but they wont take me without health insurance. This situation is keeping me from moving. I also need the actual perscription as I send it out of the country for filling.

[retiredguy123]

Here is a web site that has a list of doctors who take cash. It looks like there is one in Ocala.

Cash / Direct Payment Friendly Practices | Wufoo (https://aaps.wufoo.com/reports/m5p6z0/)

[Dan9871]

I've tried a couple of doctors but they wont take me without health insurance. This situation is keeping me from moving. I also need the actual percription as I send it out of the country for filling.

You could try an Urgent Care facility. They might renew your prescription. Here is one with a lot of locations in The Villages.

441 Urgent Care Center – Open Daily, Including Weekends & Holidays, 365 Days In Most Of Our Locations. (http://441ucc.com)

[retiredguy123]

You may also want to try Teladoc or another similar online service, where you can consult with a doctor on the phone or online.

[jeriteri]

Keep getting your pills where you get them now.

[rjm1cc]

Would you be able to have your current doctor fill the prescription until you get on medicare? My prescriptions are usually 90 pills for 3 months with 2 or three renewals. Maybe you can get a prescription for a year and visit the doctor when your return to your current area to visit friends and family???. Probably use a mail order pharmacy. If you go directly to the drug store you may have to go to one in the state your doctor is registered with as the doctor may not be licensed in FL.

[justjim]

There is a “free health clinic” in Leesburg. Not positive but I think it’s run by the First Baptist Church. You could call First Baptist for information regarding their program. 352-787-1005

[Gigi3000]

There is a “free health clinic” in Leesburg. Not positive but I think it’s run by the First Baptist Church. You could call First Baptist for information regarding their program. 352-787-1005

I have funds to pay, is the thing.

[villagetinker]

I've tried a couple of doctors but they wont take me without health insurance. This situation is keeping me from moving. I also need the actual perscription as I send it out of the country for filling.

IMHO, you are taking a chance going out of the country. There are several other options that MIGHT work, Good Rx, and a few other recently advertised, as well as just asking the druggist. I just had a scare with BP medications as several were recalled due to possible carcinogen the version I was taking was NOT recalled as the MFG was different, I have no idea how you would be able to determine this with out of the country supplier. Good luck with your quest.

[golfing eagles]

I have funds to pay, is the thing.

Your problem is that most doctor's offices will not take cash paying patients, and for good reason. 98% of the time they get stiffed. And I agree with VT---sending for pharmaceuticals out of the country is a crapshoot. Also, going without health insurance is an even bigger crapshoot. Now for sticker shock----Florida Blue individual coverage with a $7.000 deductible costs $15,200/year premium. The posts above give a lot of options, I hope you find one that meets your needs

[blueash]

Living in the Villages is not cheap. I'm sorry to suggest this, but perhaps you should be using those dollars now to get health insurance. If your income is low the ACA AKA Obamacare will subsidize your cost. A 61 yo with untreated elevated BP is just awaiting potential complications. The cost of those complications may acutely bankrupt you or long term make your life miserable.. strokes, cardiac problems, kidney failure.

So pay for the health insurance, get proper care, then see what you have left to cover the cost of living here. At 65 if you qualify for medicare, the equations will change.

[Chi-Town]

Living in the Villages is not cheap. I'm sorry to suggest this, but perhaps you should be using those dollars now to get health insurance. If your income is low the ACA AKA Obamacare will subsidize your cost. A 61 yo with untreated elevated BP is just awaiting potential complications. The cost of those complications may acutely bankrupt you or long term make your life miserable.. strokes, cardiac problems, kidney failure.

So pay for the health insurance, get proper care, then see what you have left to cover the cost of living here. At 65 if you qualify for medicare, the equations will change.

Very sound advice. Blue Cross Blue Shield was most helpful during the in between years. And no worry about pre existing conditions.

[Nucky]

IMHO, you are taking a chance going out of the country. There are several other options that MIGHT work, Good Rx, and a few other recently advertised, as well as just asking the druggist. I just had a scare with BP medications as several were recalled due to possible carcinogen the version I was taking was NOT recalled as the MFG was different, I have no idea how you would be able to determine this with out of the country supplier. Good luck with your quest.

You know something VT, a lot of people laugh off GoodRX because they have Medicare. Just go to their website and put in the prescriptions that you choose to not receive by mail and see for yourself the significant saving on some items, not all of them.

We just had one medication come thru as a recall but when I went in person to Publix I was told it didn't affect our particular brand. Two days later we got a Email saying it was in fact a possible carcinogen. Worms, not Publix as we think they are the greatest. The manufacturer is the Worm and a piece of garbage.

I'll bet that one of the people at the place that VT talks about and I went to for advice several years ago could help the OP. Just remembered, SHINE. They were great. Good Luck. SHINE Program
Department of Elder Affairs
4040 Esplanade Way, Suite 270 Tallahassee, FL 32399-7000

Toll Free 1-800-96-ELDER
1-800-963-5337
TDD/TTY 1-800-955-8770
Fax 850-414-2150

[Gigi3000]

IMHO, you are taking a chance going out of the country. There are several other options that MIGHT work, Good Rx, and a few other recently advertised, as well as just asking the druggist. I just had a scare with BP medications as several were recalled due to possible carcinogen the version I was taking was NOT recalled as the MFG was different, I have no idea how you would be able to determine this with out of the country supplier. Good luck with your quest.

I have used GoodRx recently and might again. Yes, valsartan was pulled in the US and also in Canada where I get my scripts normally filled.

[Gigi3000]

Living in the Villages is not cheap. I'm sorry to suggest this, but perhaps you should be using those dollars now to get health insurance. If your income is low the ACA AKA Obamacare will subsidize your cost. A 61 yo with untreated elevated BP is just awaiting potential complications. The cost of those complications may acutely bankrupt you or long term make your life miserable.. strokes, cardiac problems, kidney failure.

So pay for the health insurance, get proper care, then see what you have left to cover the cost of living here. At 65 if you qualify for medicare, the equations will change.

#1) my BP is NOT untreated.
#2) when my time is up, it's up. Even with insurance, I will not take extraordinary measures to stay alive, so no need for insurance.
#3) you're getting far away from the question that was asked.

[rustyp]

I am 61 and want to move to The Villages. I am healthy but take blood pressure meds. I have no insurance but need my blood pressure meds refilled. How do I find a doctor to do this? I need the prescription given to me so I can mail it to get it filled.

Dr Norma Kusnetz - Winter Park Fl

Somehow you got a cash only doc wherever you live now. How did you do that. I found the one above in a 5 minute google search. If I can so can you. I can't imagine you are going to find people living around TV with no health insurance. You really should say thanks to all for trying but walk away. I guarantee you this will turn into a lecture of why you should have health insurance. It's obvious you have a reason and that is nobody else's business but your own. Best of luck.

[CFrance]

Dr Norma Kusnetz - Winter Park Fl

Somehow you got a cash only doc wherever you live now. How did you do that. I found the one above in a 5 minute google search. If I can so can you. I can't imagine you are going to find people living around TV with no health insurance. You really should say thanks to all for trying but walk away. I guarantee you this will turn into a lecture of why you should have health insurance. It's obvious you have a reason and that is nobody else's business but your own. Best of luck.
OP might not be familiar enough with the area to know which doctor is close and which one is far away.


When we came here we knew where Ocala was and that's about it.

[OrangeBlossomBaby]

I'm not sure what the issue is. There a lots of doctors in The Villages. You call one, make an appointment, and pay them in cash. If you don't have any money, you can apply for Medicaid.

He's 60 and in good health. He doesn't qualify for Medicaid in Florida. Have to be over 64, or blind or disabled, or have a parent, child, or spouse living in the house who is either blind or disabled.

Florida chose not to participate in Medicaid expansion so healthy seniors who can't afford to pay for their insurance are generally out of luck til they're 65.

[OrangeBlossomBaby]

I am 61 and want to move to The Villages. I am healthy but take blood pressure meds. I have no insurance but need my blood pressure meds refilled. How do I find a doctor to do this? I need the prescription given to me so I can mail it to get it filled.

Most physicians offices accept credit card payments for services. You won't find a doctor to JUST write a prescription, they'll probably need you to set up a first visit, with all your records transferred from your old doctor to them, at least a cursory wellness check if not a full physical.

Once you become their patient I imagine the next time you need the rx written it'll be a lot smoother but the first one with a new doctor who's never met you before will not be a quickie phone call and pick up the prescription.

[Gigi3000]

Dr Norma Kusnetz - Winter Park Fl

Somehow you got a cash only doc wherever you live now. How did you do that. I found the one above in a 5 minute google search. If I can so can you. I can't imagine you are going to find people living around TV with no health insurance. You really should say thanks to all for trying but walk away. I guarantee you this will turn into a lecture of why you should have health insurance. It's obvious you have a reason and that is nobody else's business but your own. Best of luck.

And I thank you for sparing 5 minutes of your time to help little, ole , uninsured me. I feel very humbled by your graciousness. I had insurance at one point so was already a patient with my current doctor. Hes stuck with me, I guess. My previous dr at the same practice got very rude with me but thankfully she left the practice shortly thereafter. I'm cutting into their kickbacks. I only go in for prescription refills. My image of a kind. helpful doctor has been blown. Alas, it is what it is. However I just read that self pay is growing. Hopefully we can run the insurance companies out of business.
To the new future!

[retiredguy123]

He's 60 and in good health. He doesn't qualify for Medicaid in Florida. Have to be over 64, or blind or disabled, or have a parent, child, or spouse living in the house who is either blind or disabled.

Florida chose not to participate in Medicaid expansion so healthy seniors who can't afford to pay for their insurance are generally out of luck til they're 65.
Huh? I said that, if you don't have any money, you can apply for Medicaid. You don't need to be 65 to get Medicaid if you meet the income and poverty requirements, and other criteria.

[GatorFan]

Call Florida Blue at 352-259-0066 in The Villages. They are part of The Villages health care.

[Gigi3000]

Dr Norma Kusnetz - Winter Park Fl

Somehow you got a cash only doc wherever you live now. How did you do that. I found the one above in a 5 minute google search. If I can so can you. I can't imagine you are going to find people living around TV with no health insurance. You really should say thanks to all for trying but walk away. I guarantee you this will turn into a lecture of why you should have health insurance. It's obvious you have a reason and that is nobody else's business but your own. Best of luck.

And I thank you for sparing 5 minutes of your time to help little, ole , uninsured me. I feel very humbled by your graciousness. I had insurance at one point so was already a patient with my current doctor. Hes stuck with me, I guess. My previous dr at the same practice got very rude with me but thankfully she left the practice shortly thereafter. I'm cutting into their kickbacks. I only go in for prescription refills. My image of a kind. helpful doctor has been blown. Alas, it is what it is. However I just read that self pay is growing. Hopefully we can run the insurance companies out of business.
To the new future!

[Marathon Man]

Hi Gigi. Just wanted to tell you that you are not alone. Since I am on no medications, my situation is a little different than yours. I decided to go self-pay at the beginning of this year and plan to continue until I reach 65 in another 16 months. I knew that I would lose my primary doctor because TVH does not accept self-pay patients, even ones who were already patieints. Alas, it is part of the risk that I have taken on.

The Urgent Care Centers in the area do take cash patients. Used them once for an injury.

[CFrance]

What if you fall off a ladder, get in an auto accident, develop cancer suddenly, etc.?

[tophcfa]

What if you fall off a ladder, get in an auto accident, develop cancer suddenly, etc.?

Exactly, get health insurance. At least catastrophic insurance. An event such as listed above and you are bankrupt. Even worse, you can go to an emergency room and they can't turn you away. Then all the TOV members with health insurance will have their premiums go up to cover you not being insured.

[Topspinmo]

IMO, if you on blood pressure medication you’re not all that healthy. I’m 67 and don’t take one pill ������ regularly. Occasionally I get headaches from prior brain tumor. Even when you turn 65 and get Medicare searching for doctor will still be problem down here.

[Gigi3000]

What if you fall off a ladder, get in an auto accident, develop cancer suddenly, etc.?

I try to be careful, obviously. I hope my 401k assets are protected. I would lose the equity in my home, I'm sure. Cancer, I would do nothing. When my time is up, it's up. Boy, you all worry alot. I actually dont worry about these things. Advertising is meant to scare you into worrying excessively, I know. BUT, I know these things could happen.

[Gigi3000]

Exactly, get health insurance. At least catastrophic insurance. An event such as listed above and you are bankrupt. Even worse, you can go to an emergency room and they can't turn you away. Then all the TOV members with health insurance will have their premiums go up to cover you not being insured.

How about instead of guilting me into getting insurance, you drop yours. You are pushing up the cost of health care by not taking a stand.
Like I said previously, when my time is up, it's up. You wont find me languishing in some hospital while they milk my insurance coverage.

[Gigi3000]

IMO, if you on blood pressure medication you’re not all that healthy. I’m 67 and don’t take one pill ������ regularly. Occasionally I get headaches from prior brain tumor. Even when you turn 65 and get Medicare searching for doctor will still be problem down here.

I've gone off one medication, had another reduced. I'm hoping to be off all meds soon. I need a good doctor that isnt driven by drug kickbacks. These direct pay doctors I've been reading about sound very hopeful! You pay a flat fee, probably around $80, every month and basic services are covered. It seems to be hard to get into a good one tho, too much demand.

[rustyp]

How about instead of guilting me into getting insurance, you drop yours. You are pushing up the cost of health care by not taking a stand.
Like I said previously, when my time is up, it's up. You wont find me languishing in some hospital while they milk my insurance coverage.

That is a two sided coin. People without insurance going to doctors or hospital and skipping payment drives up health insurance costs. This subject is getting very close to the affordable care act discussions both pro and con. Your desire to move here is being stymied by not finding a cash only doctor. Well just a few short years ago many of us prior to Medicare found it difficult to become Florida residents due to the fact we could not get health insurance if we had pre existing conditions. I also suspect your desire to crusade against health insurance (that is fine) is stronger than your desire to move to TV.

[golfing eagles]

I've gone off one medication, had another reduced. I'm hoping to be off all meds soon. I need a good doctor that isnt driven by drug kickbacks. These direct pay doctors I've been reading about sound very hopeful! You pay a flat fee, probably around $80, every month and basic services are covered. It seems to be hard to get into a good one tho, too much demand.

At the beginning of this thread I was sympathizing with you, but now you have gone completely off the rails.

Please explain these "kickbacks" that you have now mentioned twice. Who "kickbacks" what to whom? Do you think physicians attend 4 years college, 4 years medical school, 3 to 9 years residency to engage in criminal behavior for chump change???? And from WHOM???

After practicing medicine for 30+ years, I have never seen or heard of anything like "kickbacks" I suppose you also think FDR allowed the attack on Pearl Harbor and the alien bodies are housed in area 51. And if you think you can join a concierge practice for $80/month, good luck, especially if any of those physicians read this thread.

[Gigi3000]

At the beginning of this thread I was sympathizing with you, but now you have gone completely off the rails.

Please explain these "kickbacks" that you have now mentioned twice. Who "kickbacks" what to whom? Do you think physicians attend 4 years college, 4 years medical school, 3 to 9 years residency to engage in criminal behavior for chump change???? And from WHOM???

After practicing medicine for 30+ years, I have never seen or heard of anything like "kickbacks" I suppose you also think FDR allowed the attack on Pearl Harbor and the alien bodies are housed in area 51. And if you think you can join a concierge practice for $80/month, good luck, especially if any of those physicians read this thread.


So are you saying the drug companies NEVER gave you money based on prescribing medication? This is what I mean by a kickback. Also, if this wasnt the case, why was my original doctor mean to me after I dropped my insurance, even tho I was paying full price for my office visit, labs etc...?I. I'll answer my own question. It was because I asked for my RX scripts to send out of the country for filling. She couldnt get her KICKBACK!!

[Gigi3000]

That is a two sided coin. People without insurance going to doctors or hospital and skipping payment drives up health insurance costs. This subject is getting very close to the affordable care act discussions both pro and con. Your desire to move here is being stymied by not finding a cash only doctor. Well just a few short years ago many of us prior to Medicare found it difficult to become Florida residents due to the fact we could not get health insurance if we had pre existing conditions. I also suspect your desire to crusade against health insurance (that is fine) is stronger than your desire to move to TV.

Everytime I've gone to the doctor, I've had to pay, in full, right then and there. Unsure how people rack up bill's they are unwilling/unable to pay. Credit is killing this country.

[golfing eagles]

So are you saying the drug companies NEVER gave you money based on prescribing medication? This is what I mean by a kickback. Also, if this wasnt the case, why was my original doctor mean to me after I dropped my insurance, even tho I was paying full price for my office visit, labs etc...?

Yes, that is EXACTLY what I am saying. You are spouting off on a subject you know nothing about. So, in your delusional fantasy world, how does a physician get these "kickbacks" Does he meet Clarence Beeks from the movie "Trading Places" in a dark corner of a parking garage and get an envelope??? Does the pharmaceutical company provide a 1099 and report these kickbacks or just add income tax evasion to the list of charges? Very simply, the drug companies wouldn't want anything to do with the scenario you've suggested, nor would any physician. They couldn't pay enough to even consider it; they would lose money.

[Dave2000]

My girlfriend was under 65 and could not afford health Ins. she sign-up for Obamacare and got coverage she could afford, and their are plenty of doctors here in TV to choose from. Also if you are a Vet. we have a VA clinic that might help you get your meds.

[Gigi3000]

[QUOTE=golfing eagles;1705333]Yes, that is EXACTLY what I am saying. You are spouting off on a subject you know nothing about. So, in your delusional fantasy world, how does a physician get these "kickbacks" Does he meet Clarence Beeks from the movie "Trading Places" in a dark corner of a parking garage and get an envelope??? Does the pharmaceutical company provide a 1099 and report these kickbacks or just add income tax evasion to the list of charges? Very simply, the drug companies wouldn't want anything to do with the scenario you've suggested, nor would any physician. They couldn't pay enough to even consider it; they would lose money.[/QUOTE

then why was my doctor mad? Why am I reading various stories from many sources about this? I think you're LYING. Maybe not money, but you got SOMETHING for loyality.

[golfing eagles]

then why was my doctor mad? Why am I reading various stories from many sources about this? I think you're LYING.

Yes, if you read it on the internet it MUST be true:1rotfl::1rotfl::1rotfl:
Just ignore a direct source and go right to the rumor mill---good thinking:1rotfl::1rotfl::1rotfl:

I've been retired for 5 years, so give me even half a reason I would lie

Maybe your doctor was "mad" because he had your best interests at heart and realized the colossal idiocy of dropping your insurance. Or maybe he was the one doctor with direct access to Clarence Beeks:1rotfl::1rotfl::1rotfl:

I think you should forget paying for the antihypertensive medication and get a prescription for an effective antipsychotic

[biker1]

Yes, exactly. If your MAGI is below about $65K you can get a pretty substantial subsidy with an Obamacare Plan from Florida Blue. The lower your MAGI, the higher the subsidy (until you get to the Medicaid limit). If your MAGI is above the maximum for a subsidy, you can still get a plan but it will run you about $1100 per month with an $8000 out-of-pocket maximum, as an example. There are a lot of different Obamacare compliant plans with various premiums and out-of-pocket maximums. There are also non-Obamacare compliant plans for lower cost. For example, catastrophic coverage plans for about $400 per month. The Villages Health Care will take the Florida Blue plans if you want to use them for a primary care physician.

My girlfriend was under 65 and could not afford health Ins. she sign-up for Obamacare and got coverage she could afford, and their are plenty of doctors here in TV to choose from. Also if you are a Vet. we have a VA clinic that might help you get your meds.

[Windguy]

Living in the Villages is not cheap. I'm sorry to suggest this, but perhaps you should be using those dollars now to get health insurance. If your income is low the ACA AKA Obamacare will subsidize your cost. A 61 yo with untreated elevated BP is just awaiting potential complications. The cost of those complications may acutely bankrupt you or long term make your life miserable.. strokes, cardiac problems, kidney.

First off, if you are taking blood-pressure meds, you are not really healthy. If your health took a turn for the worse, it would not only bankrupt you, but people like me who do pay for insurance would have to subsidized those costs through higher insurance rates. No thank you!

If you cannot afford insurance, then you should consider living somewhere cheaper than The Villages so you have the wherewithal to buy insurance instead of forcing others to subsidize your health care.

[biker1]

I am not sure I follow why you would do nothing if you were diagnosed with cancer. You are 61 years old and might very well make into your eighties or even beyond (the actuarial tables have you living another 24 years). Do you realize that you can be successfully treated for many forms of cancer? For example, my wife was diagnosed with breast cancer and she would most likely be dead today if it wasn't successfully treated. I was also diagnosed with cancer and non-treatment was never an option.

I try to be careful, obviously. I hope my 401k assets are protected. I would lose the equity in my home, I'm sure. Cancer, I would do nothing. When my time is up, it's up. Boy, you all worry alot. I actually dont worry about these things. Advertising is meant to scare you into worrying excessively, I know. BUT, I know these things could happen.

[Lindamct]

We don't have normal insurance and our meds are not paid. We go to a primary care Dr. In Ocala. Pay monthly and our meds are very cheap because they fill them there. My BP med is $2.
You can also use good RX and GSK as discount cards, but I think you will have to have a Dr call in a prescription an all cases.
Good luck

[HelenLCSW]

I am 61 and want to move to The Villages. I am healthy but take blood pressure meds. I have no insurance but need my blood pressure meds refilled. How do I find a doctor to do this? I need the prescription given to me so I can mail it to get it filled.

I am confused as to why you Don’t have health insurance. If you are on blood pressure medication you need monitoring by physician. If you can’t afford health insurance you probably will not be able to afford to live in the villages.

[retiredguy123]

At least the OP is willing to pay cash for his health care. In my opinion, the only way to reduce the outrageous cost for healthcare is to require all patients to participate in their own healthcare cost with an affordable copay, based on a percentage of the total cost. Healthcare providers should be required to display prices for all of their services on their website. Then, patients could shop around for the best service and price. Insurance companies should not be allowed fo cover healthcare costs at 100 percent where the patient doesn't care, or even know, the actual cost for their treatment.

[golfing eagles]

At least the OP is willing to pay cash for his health care. In my opinion, the only way to reduce the outrageous cost for healthcare is to require all patients to participate in their own healthcare cost with an affordable copay, based on a percentage of the total cost. Healthcare providers should be required to display prices for all of their services on their website. Then, patients could shop around for the best service and price. Insurance companies should not be allowed fo cover healthcare costs at 100 percent where the patient doesn't care, or even know, the actual cost for their treatment.

Perhaps you don't realize this, but the "prices" for Medicare patients are set by the government, and the private insurers base their reimbursement on a percentage of the Medicare fee, usually 115%. So a display would be exactly the same for all physicians in the same specialty and geographic area. And most insurances have some type of co-pay, so your premise is already in place. Besides, physician services only account for 9% of the total health cost in the US.

So what drives "the outrageous" cost of healthcare?
1) technology--everyone wants "a test"
2) litigation---Out of a 3 trillion dollar/year healthcare bill, estimates show up to 800 billion is wasted on useless tests ordered defensively to avoid lawsuits
3) pharmaceutical costs---It now takes almost 1 billion and 6 years to bring a drug to market, only for the company to get sued at every opportunity. My suggestions is that all plaintiff's attorneys engaged in healthcare lawsuits have to receive THEIR treatment with technology and drugs from 100 years ago and see how they change their tune
4) long term care---Americans are living much longer and fewer and fewer families take care of their parents at home

The problem is that there is so much $$$$ involved that no one really wants to change it. Hilary was supposed to fix it in the first hundred days of 1993:1rotfl::1rotfl::1rotfl: Obamacare is a total joke that has driven to cost up further and is the biggest tax hike in history. European models don't really work. They do in a small country, but with 330 million Americans not so much. Plus European systems rely on rationing to keep cost down, something I doubt America is willing to accept. So for now I'm afraid the spiral will continue.

[Gigi3000]

@biker1: my goal is not to live as long as possible. My greatest fear is being in a nursing home, ain't gonna happen

@golfingeagle: I highly doubt you were a doctor. You just dont sound that educated. Getting derogatory and demeaning someone during a debate sounds, well, redneck. You havent proven anything.

[golfing eagles]

@biker1: my goal is not to live as long as possible. My greatest fear is being in a nursing home, ain't gonna happen

@golfingeagle: I highly doubt you were a doctor. You just dont sound that educated. Getting derogatory and demeaning someone during a debate sounds, well, redneck. You havent proven anything.

You proceed from the false assumption that I was debating you. No, I was trying to educate someone with a very limited grasp on the healthcare system and a head full of internet gossip and rumor that has no foundation in reality. Not educated?:1rotfl::1rotfl::1rotfl:
I'll give you more credit if you can tell me the genus and species of the intermediate host of Schistosoma mansoni, or the vector of Trympanasoma cruzi, or even what color human blood is:1rotfl::1rotfl::1rotfl:

[biker1]

Oh boy, where do I start.

What you want to avoid is dying prematurely of something that is entirely curable, such as skin cancer, or having your quality of your life diminish prematurely because you failed to address a treatable health issue. When your life is no longer worth living you can always get a Dr. K kit - nobody is going to force you into a nursing home. Your life is not a practice run, you don't get a second chance.

I am pretty sure golfingeagle is a retired Dr. You would be well advised to listen to his advise because I am pretty sure he knows more than you.

This thread should be closed.

@biker1: my goal is not to live as long as possible. My greatest fear is being in a nursing home, ain't gonna happen

@golfingeagle: I highly doubt you were a doctor. You just dont sound that educated. Getting derogatory and demeaning someone during a debate sounds, well, redneck. You havent proven anything.

[Gigi3000]

I am confused as to why you Don’t have health insurance. If you are on blood pressure medication you need monitoring by physician. If you can’t afford health insurance you probably will not be able to afford to live in the villages.


I AM monitored!!!! Who said I cant afford health insurance???

[retiredguy123]

Perhaps you don't realize this, but the "prices" for Medicare patients are set by the government, and the private insurers base their reimbursement on a percentage of the Medicare fee, usually 115%. So a display would be exactly the same for all physicians in the same specialty and geographic area. And most insurances have some type of co-pay, so your premise is already in place. Besides, physician services only account for 9% of the total health cost in the US.

So what drives "the outrageous" cost of healthcare?
1) technology--everyone wants "a test"
2) litigation---Out of a 3 trillion dollar/year healthcare bill, estimates show up to 800 billion is wasted on useless tests ordered defensively to avoid lawsuits
3) pharmaceutical costs---It now takes almost 1 billion and 6 years to bring a drug to market, only for the company to get sued at every opportunity. My suggestions is that all plaintiff's attorneys engaged in healthcare lawsuits have to receive THEIR treatment with technology and drugs from 100 years ago and see how they change their tune
4) long term care---Americans are living much longer and fewer and fewer families take care of their parents at home

The problem is that there is so much $$$$ involved that no one really wants to change it. Hilary was supposed to fix it in the first hundred days of 1993:1rotfl::1rotfl::1rotfl: Obamacare is a total joke that has driven to cost up further and is the biggest tax hike in history. European models don't really work. They do in a small country, but with 330 million Americans not so much. Plus European systems rely on rationing to keep cost down, something I doubt America is willing to accept. So for now I'm afraid the spiral will continue.
I do realize that prices are set by the Government, but they shouldn't be. And, all insurance copay or coinsurance payments should be based on a percentage of the cost, not a fixed charge, like $20. The current system does not benefit or encourage cost reduction by competitive pricing that involves the patient.

How would you like to buy insurance for groceries? You go to Publix, where there are no prices on the shelf, and you just pick up whatever you want and walk out because it's covered by insurance?

[OrangeBlossomBaby]

Huh? I said that, if you don't have any money, you can apply for Medicaid. You don't need to be 65 to get Medicaid if you meet the income and poverty requirements, and other criteria.

...and other criteria. The other criteria is being disabled or blind, and the OP already said he/she is in good health. So they would not qualify for Medicaid. I know this because I was qualified in Connecticut since that state expanded Medicaid, but did not qualify in Florida because FL did not expand Medicaid.

Poverty alone does NOT qualify people in Florida for Medicaid.

[kbogli]

When you move to TV then look into the healthcare marketplace. Even tho the enrollement time has passed you are doing a life event by moving to Florida, guess I am assuming your comming from another state. Based on your income , doesnt have to be low, you can get insurance through them. You may get some assistance with the cost Florida Blue is one of the choices so that gives you many dr's. Otherwise go to a emergency care clinic they will be happy to take your money.

[ts12755]

If you're near the Mexican border you can just cross the border and go to a pharmacy and get your pills without a prescrition.

[Gigi3000]

@golfingeagle quote Perhaps you don't realize this, but the "prices" for Medicare patients are set by the government, and the private insurers base their reimbursement on a percentage of the Medicare fee, usually 115%. So a display would be exactly the same for all physicians in the same specialty and geographic area. And most insurances have some type of co-pay, so your premise is already in place. Besides, physician services only account for 9% of the total health cost in the US.

So what drives "the outrageous" cost of healthcare?
1) technology--everyone wants "a test"
2) litigation---Out of a 3 trillion dollar/year healthcare bill, estimates show up to 800 billion is wasted on useless tests ordered defensively to avoid lawsuits
3) pharmaceutical costs---It now takes almost 1 billion and 6 years to bring a drug to market, only for the company to get sued at every opportunity. My suggestions is that all plaintiff's attorneys engaged in healthcare lawsuits have to receive THEIR treatment with technology and drugs from 100 years ago and see how they change their tune
4) long term care---Americans are living much longer and fewer and fewer families take care of their parents at home

The problem is that there is so much $$$$ involved that no one really wants to change it. Hilary was supposed to fix it in the first hundred days o



So, insurance was a mistake originally. If people had to pay out of pocket for these additional test, it would be a whole different story. Why people just cant accept that life ends is beyond me. We die! Accept it.

[Gigi3000]

Oh boy, where do I start.

What you want to avoid is dying prematurely of something that is entirely curable, such as skin cancer, or having your quality of your life diminish prematurely because you failed to address a treatable health issue. When your life is no longer worth living you can always get a Dr. K kit - nobody is going to force you into a nursing home. Your life is not a practice run, you don't get a second chance.

I am pretty sure golfingeagle is a retired Dr. You would be well advised to listen to his advise because I am pretty sure he knows more than you.

This thread should be closed.

Oh, I'm going to treat some things, if easily treated.

[champion6]

<snip> This thread should be closed.
:agree:

[Gigi3000]

:agree:

Why? Its informative.

[ProfessorDave]

Never personally used - but - heard that a website called drsays can do that - believe it cost around $35.

[HappyRetired]

I don't know where the OP lives, but maybe she should come rent for a month and spend her time visiting doctor offices to find out if they take cash patients. She obviously has a strong anti-insurance opinion, so she doesn't need or want insurance information. She says she has funds and can afford future treatment (that's debatable, but moot at this point.) If she wants to take her chances on her health future and chooses to pay until she's broke, that's her choice. Maybe her doctor was mad because she wanted to go out of the country for the medications. She apparently didn't follow-up on the reason and assumes it was "kickback". Only "kickback" I've ever seen is free lunch for office staff once in a while from a drug rep and I don't know that those are even done any longer. I would think that an urgent-care facility would not prescribe a yearly refill, but I've never gone to one for that. Personally, I guess I'd prefer to come to The Villages and enjoy retirement instead of wondering where to get health care. But in the interest of being sure, she can research by calling/visiting offices and do it before she moves permanently. Her choices in health care and insurance have nothing to do with whether she can afford to live in The Villages--that would be another whole topic. I'd get a refill before I moved and then I'd have a year to look into it. Worse case scenario is she has to go back to her current place once a year and get the prescription refilled.

[golfing eagles]

So, insurance was a mistake originally. If people had to pay out of pocket for these additional test, it would be a whole different story. Why people just cant accept that life ends is beyond me. We die! Accept it.

THAT was you take home message from my post????? All I can say is an (uneducated) WOW!

[golfing eagles]

I do realize that prices are set by the Government, but they shouldn't be. And, all insurance copay or coinsurance payments should be based on a percentage of the cost, not a fixed charge, like $20. The current system does not benefit or encourage cost reduction by competitive pricing that involves the patient.

How would you like to buy insurance for groceries? You go to Publix, where there are no prices on the shelf, and you just pick up whatever you want and walk out because it's covered by insurance?

Actually, I wouldn't have a problem with it, as long as the situation was the same as medical fees---price for everything the exact same at Publix, Winn-Dixie, Fresh Market, Walmart and Aldi's and I paid $10.00 copay. The only reason to know the price is to comparison shop, which cannot be done when all the fees are set the same. (and curiosity)

[Gigi3000]

THAT was you take home message from my post????? All I can say is an (uneducated) WOW!

How should I have taken it?

[Gigi3000]

THAT was you take home message from my post????? All I can say is an (uneducated) WOW!

Also, why should my finances be tied to others? Cause someone wants to sit on the couch munching doritos all day shouldnt mean I have to pay.

[kathyspear]

I am not sure I follow why you would do nothing if you were diagnosed with cancer. You are 61 years old and might very well make into your eighties or even beyond (the actuarial tables have you living another 24 years). Do you realize that you can be successfully treated for many forms of cancer? For example, my wife was diagnosed with breast cancer and she would most likely be dead today if it wasn't successfully treated. I was also diagnosed with cancer and non-treatment was never an option.

I was diagnosed with uterine cancer 10 years ago, at 58. Had a hysterectomy, no further treatment needed. I have greatly enjoyed the last ten years and look forward to many more.

Had I decided "it was my time" and passed on the surgery, I would probably be dead now (and it wouldn't have been an easy death!)

To each her own, I guess ...

kathy

[kathyspear]

If you're near the Mexican border you can just cross the border and go to a pharmacy and get your pills without a prescrition.

You can get some meds in Mexico without a prescription but many do require one (and from a Mexican doctor). Just saying ...

k.

[Topspinmo]

I've gone off one medication, had another reduced. I'm hoping to be off all meds soon. I need a good doctor that isnt driven by drug kickbacks. These direct pay doctors I've been reading about sound very hopeful! You pay a flat fee, probably around $80, every month and basic services are covered. It seems to be hard to get into a good one tho, too much demand.


I hope you find what you’re looking for, I don’t judge someone opinions or actions. As with most all insurance’s it’s scheme. Good luck.

[rustyp]

I've gone off one medication, had another reduced. I'm hoping to be off all meds soon. I need a good doctor that isnt driven by drug kickbacks. These direct pay doctors I've been reading about sound very hopeful! You pay a flat fee, probably around $80, every month and basic services are covered. It seems to be hard to get into a good one tho, too much demand.

If you pay a flat fee per month to the doc use it or lose it - that's called insurance. Your lack of disclosure or should I call it progressive disclosure on this topic does not pass the smell test. You have exhibited enough intelligence on this subject that you certainly can figure out how to get blood pressure med.

[Gigi3000]

If you pay a flat fee per month to the doc use it or lose it - that's called insurance. Your lack of disclosure or should I call it progressive disclosure on this topic does not pass the smell test. You have exhibited enough intelligence on this subject that you certainly can figure out how to get blood pressure med.

Yes, I believe I can get them, thanks! Everyone was very helpful! A flat fee per month of less than $100 is better than $1000. It fits my situation. That is being a good business person. How do you get progressive outta that, pray tell. Isnt it being a good capitalist? Using the market and competition and all? Sorry, I dont want to fund your excessive testing....

[rustyp]

Yes, I believe I can get them, thanks! Everyone was very helpful! A flat fee per month of less than $100 is better than $1000. It fits my situation. That is being a good business person. How do you get progressive outta that, pray tell. Isnt it being a good capitalist? Using the market and competition and all? Sorry, I dont want to fund your excessive testing....

We are quite happy here in Utopia. Funding and handouts is not what we are looking for. By far most of us have paid our dues and kicking back and trying to enjoy the few perks left with a great appreciation of what we have and earned. Good luck to your future endeavours.

[Gigi3000]

We are quite happy here in Utopia. Funding and handouts is not what we are looking for. By far most of us have paid our dues and kicking back and trying to enjoy the few perks left with a great appreciation of what we have and earned. Good luck to your future endeavours.


Me too. Paid into it all my life until recently.

[Gigi3000]

If you pay a flat fee per month to the doc use it or lose it - that's called insurance. Your lack of disclosure or should I call it progressive disclosure on this topic does not pass the smell test. You have exhibited enough intelligence on this subject that you certainly can figure out how to get blood pressure med.

Well, you , of course, realize I wasn't the one who originally said part of the problem with sky rocketing health care was the excessive testing. Look back in the thread. You should redirect your accusation.

[Moderator]

Let's stay on topic about finding cash pay doctors. Arguing about "kickbacks" is detracting from the thread.

Moderator

[Toymeister]

Gigi,

The root of your question is how can I get my blood pressure pills.

Use an overseas pharmacy that does not require a script. Most of the "Canadian" pharmacies are in fact in India.

Break for all doubters:. Many if not most of the generic 4.00/month drugs are made overseas.

The types of drugs that you can get are generic cheap, old, well known generics such as statins (lipitor Cholesterol). No narcotics, no advanced drugs.

The economics of this are, let's say for a statin which are 10.00 for 90 days in the states, 40.00 a year. On these sites they would be, say 100.00. it gets shipped from India. They make a high margin from this. They are motivated to have you repeat order which keeps the counterfeits down. Think about this they just sold a drug that cost them 16.00 and 1.00 to ship for 100.00

How do you find these pharmacies? Use a non Google search engine - name of drug, no prescription.

Now is this a bad idea, it is similar to going to Mexico. It is not the safest approach, but it is better than no meds at all.

No doubters, the vast majority of shipments are not seized by the postal service. And no you will not get a fine or have the DEA bust down your door for some blood pressure pills. Just like doing the same thing from Mexico.

[coffeebean]

#1) my BP is NOT untreated.
#2) when my time is up, it's up. Even with insurance, I will not take extraordinary measures to stay alive, so no need for insurance.
#3) you're getting far away from the question that was asked.

Huh??? I can not believe I'm reading this.

[coffeebean]

I try to be careful, obviously. I hope my 401k assets are protected. I would lose the equity in my home, I'm sure. Cancer, I would do nothing. When my time is up, it's up. Boy, you all worry alot. I actually dont worry about these things. Advertising is meant to scare you into worrying excessively, I know. BUT, I know these things could happen.

I still can't believe what I'm reading!!!

[coffeebean]

I don't know where the OP lives, but maybe she should come rent for a month and spend her time visiting doctor offices to find out if they take cash patients. She obviously has a strong anti-insurance opinion, so she doesn't need or want insurance information. She says she has funds and can afford future treatment (that's debatable, but moot at this point.) If she wants to take her chances on her health future and chooses to pay until she's broke, that's her choice. Maybe her doctor was mad because she wanted to go out of the country for the medications. She apparently didn't follow-up on the reason and assumes it was "kickback". Only "kickback" I've ever seen is free lunch for office staff once in a while from a drug rep and I don't know that those are even done any longer. I would think that an urgent-care facility would not prescribe a yearly refill, but I've never gone to one for that. Personally, I guess I'd prefer to come to The Villages and enjoy retirement instead of wondering where to get health care. But in the interest of being sure, she can research by calling/visiting offices and do it before she moves permanently. Her choices in health care and insurance have nothing to do with whether she can afford to live in The Villages--that would be another whole topic. I'd get a refill before I moved and then I'd have a year to look into it. Worse case scenario is she has to go back to her current place once a year and get the prescription refilled.

Funny......I imagine the OP is a male.

[rustyp]

Yes, I believe I can get them, thanks! Everyone was very helpful! A flat fee per month of less than $100 is better than $1000. It fits my situation. That is being a good business person. How do you get progressive outta that, pray tell. Isnt it being a good capitalist? Using the market and competition and all? Sorry, I dont want to fund your excessive testing....

Now I'm confused, It sounded like you are totally against getting health insurance. In this post it sounds like you are willing to pay a small amount of like $100. Are you willing to or not ? If yes there are ways to get a policy through the Affordable Care Act (ACA) even if you have a substantial amount of money. I was in the same position as you paying $1600/month before Medicare and was able to get better coverage through ACA for $100/month. Takes a little effort and planning.

Also for all of us please make it clear is this thread about finding a cash only doc near TV or about your crusade against health insurance ? If your tempted to answer both please prioritize which one is more important to you so as the moderator requested we stay on subject.

[biker1]

Yes, eligibility for an Obamacare subsidy and the amount of the subsidy is not dependent on how much money you have, unless that money generates reportable income in excess of the MAGI maximum (about $65K). They only look at your MAGI for the subsidy calculation. As strange as it may sound, you could have a large net worth and still get a large subsidy depending on how your net worth is invested.

Now I'm confused, It sounded like you are totally against getting health insurance. In this post it sounds like you are willing to pay a small amount of like $100. Are you willing to or not ? If yes there are ways to get a policy through the Affordable Care Act (ACA) even if you have a substantial amount of money. I was in the same position as you paying $1600/month before Medicare and was able to get better coverage through ACA for $100/month. Takes a little effort and planning.

Also for all of us please make it clear is this thread about finding a cash only doc near TV or about your crusade against health insurance ? If your tempted to answer both please prioritize which one is more important to you so as the moderator requested we stay on subject.

[asianthree]

Since Op asked for a physicians who take cash, but the thread has turned into a witch hunt that OP doesn’t believe in health insurance. I get her point of view.

Both of us have been in the medical field, combined 90 years of service, I get the OPs thoughts.

I maybe having surgery, the cost to my insurance will be $98,487.00 my deductible is $8,000.00 plus 20% copay.

So my insurance from the hospital I work for, will run me about $11,678.00.

However I can use the same facility, with the same hand picked staff, and pay $7,657, CASH.

If you have deductible, and you need a script, or a device ask how much it is for cash, it may save you some money

[skyking]

This is an example of why pre-existing clauses are necessary in health insurance. When this person gets gravely ill they will either: 1. Show up at an ER as an uninsured, charity patient (meaning we all pay) or 2. get insurance under Obamacare (meaning those of us who have been paying premiums monthly our entire life, subsidize their care).

[trichard]

I'm not sure what the issue is. There a lots of doctors in The Villages. You call one, make an appointment, and pay them in cash. If you don't have any money, you can apply for Medicaid.

If you don’t have money why are you moving to the villages?

[trichard]

I've tried a couple of doctors but they wont take me without health insurance. This situation is keeping me from moving. I also need the actual perscription as I send it out of the country for filling.

For good reason

[trichard]

IMHO, you are taking a chance going out of the country. There are several other options that MIGHT work, Good Rx, and a few other recently advertised, as well as just asking the druggist. I just had a scare with BP medications as several were recalled due to possible carcinogen the version I was taking was NOT recalled as the MFG was different, I have no idea how you would be able to determine this with out of the country supplier. Good luck with your quest.

Not only are you taking a chance, you are being irresponsible.

[Gigi3000]

Now I'm confused, It sounded like you are totally against getting health insurance. In this post it sounds like you are willing to pay a small amount of like $100. Are you willing to or not ? If yes there are ways to get a policy through the Affordable Care Act (ACA) even if you have a substantial amount of money. I was in the same position as you paying $1600/month before Medicare and was able to get better coverage through ACA for $100/month. Takes a little effort and planning.

Also for all of us please make it clear is this thread about finding a cash only doc near TV or about your crusade against health insurance ? If your tempted to answer both please prioritize which one is more important to you so as the moderator requested we stay on subject.

I just want my meds but basically I feel pressured(by medical community) to have some sort of insurance. Thanks for info on ACA. I know I've had friends who control their withdrawals from 401k that had gotten some good deals through ACA when it first came out but my impression is the rates have really gone up. However, I dont see myself fighting a serious illness. I just dont have it in me to be worth worrying about having insurance. I've watched various family members do this and it's just not for me.

[Gigi3000]

For good reason

Are they afraid I wont do the prescribed care and sue them or what? Please elaborate.

[Gigi3000]

If you don’t have money why are you moving to the villages?

Cause I want to be homeless among the wealthy of society. I mean really, wouldnt that be the ultimate homelessness?

[Gigi3000]

Since Op asked for a physicians who take cash, but the thread has turned into a witch hunt that OP doesn’t believe in health insurance. I get her point of view.

Both of us have been in the medical field, combined 90 years of service, I get the OPs thoughts.

I maybe having surgery, the cost to my insurance will be $98,487.00 my deductible is $8,000.00 plus 20% copay.

So my insurance from the hospital I work for, will run me about $11,678.00.

However I can use the same facility, with the same hand picked staff, and pay $7,657, CASH.

If you have deductible, and you need a script, or a device ask how much it is for cash, it may save you some money

Wow, interesting! Insurance appears to need to be done away with.

[HelenLCSW]

#1) my BP is NOT untreated.
#2) when my time is up, it's up. Even with insurance, I will not take extraordinary measures to stay alive, so no need for insurance.
#3) you're getting far away from the question that was asked.

That post may not be what you want to hear but it’s the best feedback you’ve gotten —

[rustyp]

I just want my meds but basically I feel pressured(by medical community) to have some sort of insurance. Thanks for info on ACA. I know I've had friends who control their withdrawals from 401k that had gotten some good deals through ACA when it first came out but my impression is the rates have really gone up. However, I dont see myself fighting a serious illness. I just dont have it in me to be worth worrying about having insurance. I've watched various family members do this and it's just not for me.

I don't think the rates have skyrocketed but I have not looked in a while. Go on the ACA website and you can do a trial run. Play with income levels - a little difference makes a large difference in subsidy levels. By the way Biker is correct somewhere around $60K you become eligible. You are projecting your income forward for the calendar year you are getting insurance for. The danger is if through the year you miss and have higher income you owe the subsidy back.

No insurance is the choice you have made. How are you going to get around the fact that most doctors will not take cash only. My guess is they are not equipped to handle cash with their office staff and billing software. And unless collected at time of service have a good chance of getting stiffed. Now they have both large malpractice insurance plus attorney fees / collection agency fees. Most docs want to be just that docs. Billing is a headache. That is why many docs limit the kind of insurance they will accept. It is a huge burden to their staff coding, getting approvals, etc from the policies plus add on the out of state and government policies = nightmare. Either looks like your going to have to get on the phone and randomly call docs here and see if you can strike a deal or stay wherever it is you live now. If the docs office says they are not willing to accept cash ask them why they accept payment from co pays immediately prior to service. Tell them you are willing in essence to do the same thing accept give you the entire bill.

[PugMom]

I am 61 and want to move to The Villages. I am healthy but take blood pressure meds. I have no insurance but need my blood pressure meds refilled. How do I find a doctor to do this? I need the prescription given to me so I can mail it to get it filled.

i was in a somewhat similar situation when we 1st arrived. i used the urgent care centers. the 1 by colony plaza is prob the best to use due to the helpfulness of the staff. they're pretty flexible, but you will need to pay upfront. good luck!

[Gigi3000]

I don't think the rates have skyrocketed but I have not looked in a while. Go on the ACA website and you can do a trial run. Play with income levels - a little difference makes a large difference in subsidy levels. By the way Biker is correct somewhere around $60K you become eligible. You are projecting your income forward for the calendar year you are getting insurance for. The danger is if through the year you miss and have higher income you owe the subsidy back.

No insurance is the choice you have made. How are you going to get around the fact that most doctors will not take cash only. My guess is they are not equipped to handle cash with their office staff and billing software. And unless collected at time of service have a good chance of getting stiffed. Now they have both large malpractice insurance plus attorney fees / collection agency fees. Most docs want to be just that docs. Billing is a headache. That is why many docs limit the kind of insurance they will accept. It is a huge burden to their staff coding, getting approvals, etc from the policies plus add on the out of state and government policies = nightmare. Either looks like your going to have to get on the phone and randomly call docs here and see if you can strike a deal or stay wherever it is you live now. If the docs office says they are not willing to accept cash ask them why they accept payment from co pays immediately prior to service. Tell them you are willing in essence to do the same thing accept give you the entire bill.

The free clinic said they would refill my meds one time until I get settled, so that helps. I told them I'm happy to pay for the visit. Plus some other options people mentioned on here sound hopeful. I think it will work out. Yeah, I dont see how doctors do it with all the overhead, crazy. It seems self pay clients would be the way to go but whadda I know. I had read about a Canadian doctor that moved to the US, set up practice hoping to make more money. She was here 5 years and, yes, made more money but went back to Canada as the extra money wasnt worth the headache. I've also read that if universal health care went into effect, with all the billers that would be laid off, our GDP would drop 30% and really increase unemployment. What a mess whoever created health insurance has made!!! We are dependent now.

[OrangeBlossomBaby]

Cash isn't the only available method of payment in this country. There are credit cards, debit cards, checks, cashier's checks, certified checks, money orders...

Most doctors are affiliated with at least one type of insurance that requires the patient to pay a co-pay. How do you think those co-pays get paid? The patient usually pays with a credit card, cash, debit card, or a check.

Seriously you're turning a nothing into an issue. Just tell the doctor's office you'll be paying with a credit card and problem solved.

[Marathon Man]

Cash isn't the only available method of payment in this country. There are credit cards, debit cards, checks, cashier's checks, certified checks, money orders...

Most doctors are affiliated with at least one type of insurance that requires the patient to pay a co-pay. How do you think those co-pays get paid? The patient usually pays with a credit card, cash, debit card, or a check.

Seriously you're turning a nothing into an issue. Just tell the doctor's office you'll be paying with a credit card and problem solved.

You are not understanding the situation. Most medical facilities will not accept patients that can not show proof of insurance. Being a cash paying patient is not the same as paying your co-pay with cash.

[Gigi3000]

Cash isn't the only available method of payment in this country. There are credit cards, debit cards, checks, cashier's checks, certified checks, money orders...

Most doctors are affiliated with at least one type of insurance that requires the patient to pay a co-pay. How do you think those co-pays get paid? The patient usually pays with a credit card, cash, debit card, or a check.

Seriously you're turning a nothing into an issue. Just tell the doctor's office you'll be paying with a credit card and problem solved.

What doctors office is ignorant enough to play word games.? Credit card, cash, debit-all basically the same thing. If cash isnt wanted for security reasons, they would say so when I called.

[Marathon Man]

Gigi. There are those who will never understand not having medical insurance as a choice. I think you see that by now. Sometimes walking away is the thing to do.

If you find a good doctor who takes self-pay, will you send me a message. I am not currently looking, but maybe for future reference. Best of luck to you.

[Gigi3000]

Gigi. There are those who will never understand not having medical insurance as a choice. I think you see that by now. Sometimes walking away is the thing to do.

If you find a good doctor who takes self-pay, will you send me a message. I am not currently looking, but maybe for future reference. Best of luck to you.

Sure will but will probably be in year or so.

[golfing eagles]

The free clinic said they would refill my meds one time until I get settled, so that helps. I told them I'm happy to pay for the visit. Plus some other options people mentioned on here sound hopeful. I think it will work out. Yeah, I dont see how doctors do it with all the overhead, crazy. It seems self pay clients would be the way to go but whadda I know. I had read about a Canadian doctor that moved to the US, set up practice hoping to make more money. She was here 5 years and, yes, made more money but went back to Canada as the extra money wasnt worth the headache. I've also read that if universal health care went into effect, with all the billers that would be laid off, our GDP would drop 30% and really increase unemployment. What a mess whoever created health insurance has made!!! We are dependent now.

" I've also read that if universal health care went into effect, with all the billers that would be laid off, our GDP would drop 30% and really increase unemployment."

I'd really like to see a source for that IDIOTIC number. Since healthcare as a whole represents about 17% of our GDP, how could the small billing portion represent 30%?????
We did all our billing in-house at a cost of 3.4% of receipts. If you used a relatively expensive outside billing service it would run 7%, so let's use 5% as an average. 5% of 17% is 0.85%, a long way from 30 % I have a hard time believing anyone could read that number and think it was true, so I doubt it passes the "smell" test. In addition, I wouldn't worry about unemployment for these billers when the system is replaced with a huge government bureaucracy, wee all know how efficient those workers are.

[golfing eagles]

What doctors office is ignorant enough to play word games.? Credit card, cash, debit-all basically the same thing. If cash isnt wanted for security reasons, they would say so when I called.

If the question remains why most doctors will not accept cash patients, the answer has nothing to do with security, word games or ignorance. You either have to demand payment in advance, which just goes against our professional grain, or ask afterwards, when you get a million excuses and then have to try to collect later.
Our collection rate on insured and Medicare patients was about 96%, on cash patients about 29%.

[Gigi3000]

" I've also read that if universal health care went into effect, with all the billers that would be laid off, our GDP would drop 30% and really increase unemployment."

I'd really like to see a source for that IDIOTIC number. Since healthcare as a whole represents about 17% of our GDP, how could the small billing portion represent 30%?????
We did all our billing in-house at a cost of 3.4% of receipts. If you used a relatively expensive outside billing service it would run 7%, so let's use 5% as an average. 5% of 17% is 0.85%, a long way from 30 % I have a hard time believing anyone could read that number and think it was true, so I doubt it passes the "smell" test. In addition, I wouldn't worry about unemployment for these billers when the system is replaced with a huge government bureaucracy, wee all know how efficient those workers are.

Ok, I forget exactly what all was included in that 30%. Surely there are other occupations included somehow. However, the point being that it would be significant.

[Gigi3000]

If the question remains why most doctors will not accept cash patients, the answer has nothing to do with security, word games or ignorance. You either have to demand payment in advance, which just goes against our professional grain, or ask afterwards, when you get a million excuses and then have to try to collect later.
Our collection rate on insured and Medicare patients was about 96%, on cash patients about 29%.

???????????? I was replying to someones elses comment. You missed the point. But, what do YOU think should be done with healthcare? Nothing? It seems that being a doctor is like any other business. Maybe I sound heartless but I would require all payment up front.

[asianthree]

[QUOTE=golfing eagles;1705724]" I've also read that if universal health care went into effect, with all the billers that would be laid off, our GDP would drop 30% and really increase unemployment."

Too late our billing department with 21 people were let go 5 years ago. At first the new company was in US. Now it’s hard to find anyone that understands any medical terms. We had a $18,000 anesthesia bill, for surgery. 6 different people told me it was not covered because it was an office visit. It’s in appeals. Even hospital can’t get them to understand

[Gigi3000]

[QUOTE=golfing eagles;1705724]" I've also read that if universal health care went into effect, with all the billers that would be laid off, our GDP would drop 30% and really increase unemployment."

Too late our billing department with 21 people were let go 5 years ago. At first the new company was in US. Now it’s hard to find anyone that understands any medical terms. We had a $18,000 anesthesia bill, for surgery. 6 different people told me it was not covered because it was an office visit. It’s in appeals. Even hospital can’t get them to understand

Can't get the insurance company to understand? Dont they go by the coding on the bill? Was it submitted incorrectly? How frustrating. Is our healthcare just going to fall completely apart? How can the system hold up?

[New Adventures]

Very sound advice. Blue Cross Blue Shield was most helpful during the in between years. And no worry about pre existing conditions.

Good Luck! We currently have BC/BS Medicare Advantage Plan and The Villages Health will not accept it. We are months behind in appointments and we are having a very hard time finding specialists in TV that will accept our insurance. Very disappointing. Our premium is $1,050 per month. We have compared our insurance to Florida Blue, USA Health, Humana, etc. and they are no where close to what we need for coverage. Other than that we love living here but having medical coverage non-acceptance was not in the plan!

[BCover]

Try using GoodRX app. Pretty good discounts.

[tophcfa]

This is an example of why pre-existing clauses are necessary in health insurance. When this person gets gravely ill they will either: 1. Show up at an ER as an uninsured, charity patient (meaning we all pay) or 2. get insurance under Obamacare (meaning those of us who have been paying premiums monthly our entire life, subsidize their care).

Couldn’t agree more!

[Gigi3000]

[
Quote:Originally Posted by skyking
View Post
This is an example of why pre-existing clauses are necessary in health insurance. When this person gets gravely ill they will either: 1. Show up at an ER as an uninsured, charity patient (meaning we all pay) or 2. get insurance under Obamacare (meaning those of us who have been paying premiums monthly our entire life, subsidize their care).


QUOTE=tophcfa;1705855]Couldn’t agree more![/QUOTE]

Just how would a pre-existing clause prevent either of these things from happening?