{"id":3136,"date":"2021-04-07T20:34:48","date_gmt":"2021-04-07T20:34:48","guid":{"rendered":"https:\/\/healthdrum.com\/?p=3136"},"modified":"2021-10-12T18:54:06","modified_gmt":"2021-10-12T18:54:06","slug":"how-consumer-directed-self-pay-care-saves-you-money","status":"publish","type":"post","link":"https:\/\/healthdrum.com\/blog\/how-consumer-directed-self-pay-care-saves-you-money\/","title":{"rendered":"How Consumer-directed, Self Pay Care Saves You Money"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Using health insurance plans to pay for routine office-based or outpatient care actually costs you much more than if you had paid for these services yourself. You know that\u2019s true since the health insurance industry makes fat profits every year from unnecessary coverage.<\/span><\/p>\n<ul style=\"line-height: 1.6;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">2\/3 of all the healthcare delivered annually in the U.S. is generally affordable routine office-based or outpatient care.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Outside of healthcare almost no other form of insurance covers small or generally affordable routine expenses. Does your car insurance cover oil changes?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Yet, the health insurance industry covers small and generally affordable routine care services. Why? Because it\u2019s very profitable for them<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To control access to generally affordable routine medical services health plans have created a gigantic and inefficient administration system that wastes some $840 billion dollars annually. These costs are simply passed on to you and your doctors\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Physician practice overhead has been driven to 70 percent by health plans to meet their burdensome administrative demands<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In order to profit at the expense of patients and doctors health plans have created inumerable barriers to the access of routine care\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Barriers to access that include exclusions for pre-existing conditions and so-called non-covered services, arbitrary provider networks, one-sided contracts with physicians, inconvenient enrollment periods and authorizations for care that are typically determined by a non-medical third party intermediary working for the health plan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Out-of-pocket costs that are passed on to patients and increase every year. In addition to plan costs there are copays and deductibles &#8211; most millennials never meet their deductibles so they usually pay for their routine care and the \u201cprivilege\u201d of having a health plan\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Physician workloads have increased considerably and contributed to an increase in physician burnout &#8211; physicians are now much more selective about which plans they sign up with including Medicare and Medicaid<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Stripped healthcare decision-making autonomy from both patients and doctors<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Self pay for routine care expenses is usually far cheaper in the long run than dealing with plan costs, deductibles, copays, non-covered services and insurance-based rules. To cover the low possibility of a major medical or catastrophic event you can consider high deductible or catastrophic plans.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Visit <\/span><a href=\"https:\/\/healthdrum.com\/\"><span style=\"font-weight: 400;\">https:\/\/healthdrum.com\/<\/span><\/a><span style=\"font-weight: 400;\">\u00a0 Come join the healthcare community and<\/span><span style=\"font-weight: 400;\"> pay only for the care you need. Your body, your rules.<\/span><\/p>\n<p><b>Find direct pay doctors and clinics near me.<\/b><\/p>\n<p><strong>Read more.<\/strong><br \/>\n<a href=\"https:\/\/www.consumerreports.org\/healthcare-costs\/how-paying-your-doctor-in-cash-could-save-you-money\/\"><span style=\"font-weight: 400;\">https:\/\/www.consumerreports.org\/healthcare-costs\/how-paying-your-doctor-in-cash-could-save-you-money\/<\/span><\/a><\/p>\n<p><a href=\"https:\/\/www.wsj.com\/articles\/how-to-cut-your-health-care-bill-pay-cash-1455592277\"><span style=\"font-weight: 400;\">https:\/\/www.wsj.com\/articles\/how-to-cut-your-health-care-bill-pay-cash-1455592277<\/span><\/a><\/p>\n<p style=\"text-align: center;\">Written by HEALTHdrum<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Using health insurance plans to pay for routine office-based or outpatient care actually costs you much more than if you had paid for these services yourself. You know that\u2019s true since the health insurance industry makes fat profits every year from unnecessary coverage. 2\/3 of all the healthcare delivered annually in the U.S. is generally [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":3139,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[34],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Consumer-directed, Self Pay Care Saves You Money | HEALTHdrum<\/title>\n<meta name=\"description\" content=\"Consumer-directed cash price care with HEALTHdrum can save you money.\" \/>\n<meta name=\"robots\" content=\"index, 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Subsequently, he completed fellowship training in Pediatric and Adult Reconstructive Urology at the Eastern Virginia Medical School in Norfolk, Virginia. During his time there he also undertook NIH sponsored, pioneering research on \u201cUrinary Bladder Reinnervation\u201d earning him the honor of a Masters of Surgery Diploma through the University of Otago, New Zealand. Dr Vorstman returned to Miami to become a board-certified faculty member in the department of urology, Jackson Memorial Hospital, University of Miami. Eventually, he left academic practice, moved north to Coral Springs and established Florida Urological Associates pa (www.urologyweb.com) in 1987. Dr. Vorstman is passionate about consumer-directed healthcare and helping men diagnosed with prostate cancer navigate the minefield of prostate cancer misinformation. 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Subsequently, he completed fellowship training in Pediatric and Adult Reconstructive Urology at the Eastern Virginia Medical School in Norfolk, Virginia. During his time there he also undertook NIH sponsored, pioneering research on \u201cUrinary Bladder Reinnervation\u201d earning him the honor of a Masters of Surgery Diploma through the University of Otago, New Zealand. Dr Vorstman returned to Miami to become a board-certified faculty member in the department of urology, Jackson Memorial Hospital, University of Miami. Eventually, he left academic practice, moved north to Coral Springs and established Florida Urological Associates pa (www.urologyweb.com) in 1987. Dr. Vorstman is passionate about consumer-directed healthcare and helping men diagnosed with prostate cancer navigate the minefield of prostate cancer misinformation. 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