Locating self-pay, cash-only physicians (Richmond, Point: 2015, buying, luxury)

[sugargenius]

Originally Posted by LLCNYC

Bad idea. 100%.

Can you explain why?

[sugargenius]

Originally Posted by houstmom

There is a monetary penalty for not having health insurance. Are you will to pay that every year?

It's my understanding that the IRS can't actually enforce that penalty other than by withholding a refund. I never get a refund. On the contrary, I usually have to pay $40-50k every April 15th.

[sugargenius]

Originally Posted by Failed Engineer

There aren't many doctors out there that won't accept insurance. And the ones that do either are the concierge type that are expensive for on-demand comprehensive care, or ones in bad areas of town that just power through massive volumes of patients.

Not judging what you are trying to accomplish, but what you are looking for really doesn't exist, and certainly not a full spectrum of specialists should you need them.

I am trying to avoid paying ~$18k/year for healthcare when in fact, I usually spend $1-2k on actual healthcare and the rest is just Cigna profit.

[sugargenius]

Originally Posted by lbc0815

I highly recommend Dr. Paul Dibble in Magnolia. His practice is called Simple Traditions Family Health. I live in Katy and am always happy to drive an hour to his office every time my family or I need to see a doctor, instead of driving to one that only lives 2 minutes away but don't give a s*** about their patients. Dr. Dribble will spend a good 30 minutes with you, listening to your concerns and asking questions. He is an ethical old school doctor who also hates how the system corrupts patients. He is not affiliated with any insurance at all.

I have looked around cash-only non-insurance affiliated doctors when I was new here and only Dr. Dibble doesn't charge ridiculous fees. You can check out his website, he has a complete price list of services there. But to give you a quick idea, it's $80 for a visit. The labs are cheap, you won't have to worry about being billed $500 later for an x-ray of your pinky.

What I like most about him is he is all for parental/patient rights and choice, unlike most doctors who are arrogant and insist what they want, then guilt-trip you if you don't listen. I am tired of having to pay for doctors who will keep me in the waiting room for at least 15 minutes only to see me for 2 minutes.

Check out Dr. Dibbles reviews on google and Facebook.

Affordable health care, Simple Traditions Family Health
https://www.facebook.com/SimpleTradi...ealth/?fref=ts

Thanks! That's exactly the type of healthcare provider that I am looking for.

[sugargenius]

Originally Posted by WRM20

And this ignores the costs if you have a car accident, or other trauma.

Wouldn't auto policy cover injuries incurred in a car accident? If not, then what is it for?

[Yellow pool of piddle]

Originally Posted by Texascrude

If you come down with something really bad, you could always sign up at that point. They can't turn you away for pre existing conditions anymore.

Also, the only way the government can collect the no-insurance fine is to take it out of your tax returns. Just change your withholding rate to make sure you are never due a return and you'll never have to pay the fines. There is literally no other mechanism they can use to collect on you.

I think the fellow asks a great question. Without any existing alternatives to federal welcare, there won't be any pressure to lower expenses. Before the federal government took over the healthcare industry, it was funded by real money. Now it has become an abyss of ever and ever higher rates as it isn't funded by real money or even the promissory notes of debt, but endless amounts of interest paid upon that debt.
Welcome to hell.

[WRM20]

Originally Posted by sugargenius

Wouldn't auto policy cover injuries incurred in a car accident? If not, then what is it for?

Depends on the coverage. Let's say you get hit by someone with no insurance, so you claim against yours. You probably have a limit of $250k or less on your uninsured motorist, so if your treatment costs more than that, which is easy with trauma, you are out of luck, and will likely end up going to the County hospital for the remainder of your stay. And that's after you have to sue the other driver to get paid, and it takes 2 to 4 years for the suit to wend its way through the court system. If the other party has state minimum insurance, and your uninsured/underinsured coverage is small, then you will hit the limits pretty quickly.

Check you own car insurance for medical payments coverage. If you do not have this, and you have an at fault accident, you are not covered for your injuries (that's my interpretation, but I am not a lawyer or an insurance expert, nor did I stay at Holiday Inn Express last night).

Same thing if you get injured at your own home, or at the home of someone who has no or limited liability insurance.

[colcat]

Originally Posted by oceangaia

ObamaCare eliminates pre-existing conditions starting 2014. No more pre-existing conditions means you can’t be denied coverage, charged more, or denied treatment based on health status.

ObamaCare Pre-exisiting Conditions

From the same site:

How Does ObamaCare Help People With Cancer?

If you or a loved one has cancer or is at risk then the Affordable Care Act offers some pretty ground breaking new benefits, rights, and protections. It doesn’t matter if you are sick now or have needed treatment in the past you cannot be denied coverage or cost assistance, and you won’t pay more for coverage. Check out this PDF on ObamaCare and Cancer.

One exception: Grandfathered individual health insurance plans

The only exception is for grandfathered individual health insurance plans–the kind you buy yourself, not through an employer. They do not have to cover pre-existing conditions.
If you have one of these plans you can switch to a Marketplace plan during open enrollment and immediately get coverage for your pre-existing conditions.
What is a Grandfathered Plan: A group health plan that was created—or an individual health insurance policy that was purchased—on or before March 23, 2010. Grandfathered plans are exempted from many changes required under the Affordable Care Act. Plans or policies may lose their “grandfathered” status if they make certain significant changes that reduce benefits or increase costs to consumers. A health plan must disclose in its plan materials whether it considers itself to be a grandfathered plan and must also advise consumers how to contact the U.S. Department of Labor or the U.S. Department of Health and Human Services with questions.
Preexisting Condition Limitations Under ObamaCare

Grandfathered plans and short term health insurance can still place limitations on preexisting conditions. This means they can either not cover costs related to preexisting conditions or deny coverage all together for preexisting conditions.

Ok, that's the difference. She doesn't work so she was buying an individual policy.

[ma23peas]

Obsmacare has done more to hurt healthcare than any bill to date. A hope is to elect a candidate who will repeal it all.
Your case is not alone, it's called insurance for a reason. It's risk/benefit ratio.

My grandmother never had a surgery, no health needs until her 90s and only then 1-2 prescriptions. Through her 40s, at today's rates...she could pay exorbitant cost for premiums, or save that money, pay the penalty, and still come out ahead.

20k a year before my insurance pays one dime...nuts! It was 6k a year before Obama are, lies, lies, lies...we were promised we would save $2500 annually, so if I Bought that line of bull, I should only pay $3500 annually...LMBO!!!

There are programs like Medishare that you can check into, but statistically (risk of cancer or serious health scare for next 10 years is LOW...at 2-3% risk given my genetics, lifestyle, and history. Why would I put out 200k over ten years for a 2-3% risk? The federal government has put us in a bind..a dangerous place..I am voting to limit the federal govt reach into my life..I will make a decision on dropping these premiums then.

We were lied to, (it's not a tax and will save you $$) and now I have a responsibility t vote their ideology out!

[Yellow pool of piddle]

Originally Posted by ma23peas

Obsmacare has done more to hurt healthcare than any bill to date. A hope is to elect a candidate who will repeal it all.
Your case is not alone, it's called insurance for a reason. It's risk/benefit ratio.

My grandmother never had a surgery, no health needs until her 90s and only then 1-2 prescriptions. Through her 40s, at today's rates...she could pay exorbitant cost for premiums, or save that money, pay the penalty, and still come out ahead.

20k a year before my insurance pays one dime...nuts! It was 6k a year before Obama are, lies, lies, lies...we were promised we would save $2500 annually, so if I Bought that line of bull, I should only pay $3500 annually...LMBO!!!

There are programs like Medishare that you can check into, but statistically (risk of cancer or serious health scare for next 10 years is LOW...at 2-3% risk given my genetics, lifestyle, and history. Why would I put out 200k over ten years for a 2-3% risk? The federal government has put us in a bind..a dangerous place..I am voting to limit the federal govt reach into my life..I will make a decision on dropping these premiums then.

We were lied to, (it's not a tax and will save you $$) and now I have a responsibility t vote their ideology out!

Lawyers love to fart eloquently from their mouths. For example, they still claim we pay taxes when, by definition, thise require the payment of real money. We the government no longer spend real money or even debt, but interest upon the debt. The reason for such insanity? It is to support a fortunate few within a world fiat economy. Those who are part of this fiat economy don't have to work. They don't even have to 'manufacture events' by risk of investing like many in the supporting aristocracy.
At one time, the king owned all the land. While, by tradition, all the firstborn went to work for the monarchy, the second born went into the services of the church. All the other children were abondoned to surviving on land owned by the king. In response, the king implemented lawyers to take these illegal workers to court in order to tax them. These taxes were penalties. Counties and barons were then created as penalty collecting districts as managers to enforce collection of the penalties.

Those high officials within government have always received their healthcare by fiat. Any claim that we can all receive such a benefit is a lie and, once again, eloquent farting from the mouth.