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Old 01-12-2012, 09:28 AM
 
2,343 posts, read 3,327,323 times
Reputation: 1864

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Quote:
Originally Posted by Jackvigdor View Post
Nude typist,
You disgust me. I am a health care provider. I deserve to make a living. When you take your car to your mechanic, do you beg to pay nothing? If I reduced the copay, the insurance company would cancel my contract and I would be violating the law. What do you do for work? Would you work for free? Would you work for half you hourly rate if someone asked you?
You want something for nothing.

Whoa, I think the OP struck a nerve...(but all valid points Jackvigdor)

But yeah, OP, stop trying to whittle your way out of the co-pay. If you have insurance (and consider yourself lucky that you even HAVE insurance), it can't possibly be that much more than $25 (and that's usually for the specialist, PCP visits are usually much less). If your problem is that you don't feel the Dr is spending enough time with you, that's a completely different issue and you should instead look for someone that takes more time with their patients. In that case, don't go to a big clinic where the Dr office is a revolving door. Instead, I'd recommend a small private practice, probably of an older doctor, who takes the time to get to know his/her patients and develop a relationship with them. Those drs won't rush you out the door in 3 minutes.
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Old 01-12-2012, 02:45 PM
 
Location: Manhattan
20,147 posts, read 26,444,908 times
Reputation: 9034
Really,
It is awful that someone would try to escape a co-pay and reduce the doctors income from $600,000 to $599,985.
How inconsiderate.
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Old 01-12-2012, 03:04 PM
 
4,891 posts, read 8,983,854 times
Reputation: 8366
JackVigdor--u [i][do/I] understand this thread is more than 2 months old right?
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Old 01-12-2012, 04:34 PM
 
12,120 posts, read 27,549,460 times
Reputation: 3752
is it true that this is why my doctor's office has stopped deferring copays to patients who cannot pay up front? is it true that if the provider defers payment to a patient for a few weeks or so they are at risk of losing contract with insurance?

my primary care doctor demands payments up front but my specialists bill me and don't accept payments at the office. why the difference?
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Old 01-12-2012, 05:30 PM
 
Location: Earth Wanderer, longing for the stars.
12,411 posts, read 15,945,285 times
Reputation: 8722
Quote:
Originally Posted by rlrl View Post
my primary care doctor demands payments up front but my specialists bill me and don't accept payments at the office. why the difference?
Ok, I came here from New Jersey and have not been to a doctor yet. I have always been to doctors whose front desk takes payment before you even see the doctor. Is not taking payments at the office and billing later a New York thing? Why do they do this? Is it just easier or are they less likely to attract robbers? Oh, maybe they use a billing service and it's just easier that way. Maybe it's just one less thing that the front desk has to handle.
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Old 01-13-2012, 06:23 AM
 
Location: Manhattan
20,147 posts, read 26,444,908 times
Reputation: 9034
I had a GP in Jersey City for a VERY short while who demanded CASH ONLY for a co-pay (I had always paid doctors by check to keep a good record...so I thought this GOOFY) The cash was put into one of 5 envelopes with different doctors names on them.
In one case I paid with a $20 and the doctor's envelope didn't have a $5 for change so one receptionist said to the other, "Well, I can borrow a five from Doctor X and took a fiver from another envelope."
These doctors ask you to trust them with your life but they won't trust you for $15 BUCKS?

I got the strong feeling that I should really quit this weird nickel and dime practice.

They were all Indian so perhaps practices are different on the sub-continent.
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Old 01-13-2012, 07:58 AM
 
1,933 posts, read 3,137,547 times
Reputation: 1941
Quote:
Originally Posted by rlrl View Post
is it true that this is why my doctor's office has stopped deferring copays to patients who cannot pay up front? is it true that if the provider defers payment to a patient for a few weeks or so they are at risk of losing contract with insurance?

my primary care doctor demands payments up front but my specialists bill me and don't accept payments at the office. why the difference?
Quote:
Originally Posted by goldengrain View Post
Ok, I came here from New Jersey and have not been to a doctor yet. I have always been to doctors whose front desk takes payment before you even see the doctor. Is not taking payments at the office and billing later a New York thing? Why do they do this? Is it just easier or are they less likely to attract robbers? Oh, maybe they use a billing service and it's just easier that way. Maybe it's just one less thing that the front desk has to handle.
I am not going to get into the politics of it but since health care reform it seems that this is going to be the new 'normal' especially with specialists. Dependent on your health insurance provider, if you have an insurance that needs to meet a deductible they might not cover specialist visits under co-pays. I know this because I am in a battle with my health insurance provider and a specialist for a high risk pregnancy. When I had to see the specialist they refused to give me pricing or a discount before the procedures were to be done but it was necessary. Now I am stuck with a massive bill to meet my deductible and way overcharged.

My strong suggestion to anyone regardless of what state or city you live in is to read your health insurance plan thoroughly. If you have to see a specialist call your provider first to ensure that the specialist does accept co-pays and it is in your plan. If not, it is being applied to your deductible just be ready for a big bill. Request from the specialist pricing first.

A great specialist will accept cash upfront and will provide you with pricing and some discount.Sometimes it is better to pay out of pocket than getting a bigger bill when health insurance is applied. The specialist I saw was in network and trust me when I say I did not get a discount even with insurance.

My advice for those who are lucky to have just a co-pay, pay it. Trust me when I say if you get stuck with a hdhp through your employer because you changed jobs or your employer changed companies, you will be crying for co-pays.

Good luck!

Mrs. X
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Old 01-13-2012, 01:37 PM
 
8,219 posts, read 8,507,022 times
Reputation: 10184
Are you asking for recommendations of doctors who are willing to forgo extra payment for no good reason? Just out of curiosity, in your job, do you work extra unpaid hours for no good reason - if it won't benefit you in some way? There are certainly doctors who reduce their fees, but not usually just got someone walking in off the street who wants a deal.
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Old 01-13-2012, 01:45 PM
 
Location: Queens
109 posts, read 283,492 times
Reputation: 59
Co-payment have been getting higher. I now pay $25/$50. I would love it if these kind of doctors existed. Going to a specialist several times, really adds ups at $50 per visit.
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