{"id":3733,"date":"2021-09-29T10:00:42","date_gmt":"2021-09-29T10:00:42","guid":{"rendered":"https:\/\/healthdrum.com\/blog\/?p=3733"},"modified":"2021-10-12T18:56:57","modified_gmt":"2021-10-12T18:56:57","slug":"getting-routine-healthcare-without-health-insurance","status":"publish","type":"post","link":"https:\/\/healthdrum.com\/blog\/getting-routine-healthcare-without-health-insurance\/","title":{"rendered":"Getting Routine Healthcare Without Health Insurance"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Routine office-based healthcare is affordable; it does not need to be \u201ccovered\u201d by a health insurance plan. Furthermore, despite so-called coverage, you pay for your routine care anyway with copays and deductibles as well as paying for pre-existing conditions and non-covered services. Does your car insurance cover the cost of a new tire? Of course not. If it did, your car insurance would be as costly as your health insurance plan. Learn to shop for routine office-based and outpatient care, ask for cash pay prices. Don\u2019t be over-insured and overpay. Take control and save.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Most physicians and providers gladly accept cash paying patients because insurance-based pricing and rules have pushed their overhead to 70 percent or more. Call them ahead of time and ask for their cash pay rates.<\/span><\/p>\n<p><b>Where to get cash pay routine healthcare needs<\/b><\/p>\n<ul style=\"line-height: 1.6;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Family practice doctors and internists.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Urgent care centers &#8211; many healthcare consumers use their local urgent care center for as-needed, cash price routine care and testing needs as they know\u00a0 they will never meet their health insurance plan deductible.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Direct Primary Care (DPC) &#8211; is primary care access using a subscription model. Participants\/patients pay a monthly fee &#8211; typically about $100 &#8211; this usually gets you same-day access with the physician, longer visit times and text, email and video-chat benefits. Some providers may also charge a small additional per-visit fee. This membership covers most primary care services including blood tests. They do not file your insurance claim and payments can not be used towards deductibles or be listed as a tax deduction.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Direct Specialty Care (DSC) &#8211; is not organized like DPC but most specialty care physicians would rather be paid in cash than wait 3 months for a discounted insurance payment.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Laboratory testing can be self-ordered without need for a doctor\u2019s prescription. Find them online and ask them for the cash price of the particular test you need. The results go back to you.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The cost of CT scans and other imaging needs is easily found online. You will need a prescription for the imaging study (unlike for blood test) &#8211; some centers may have providers available to facilitate access.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Test kits &#8211; self care test kits are available online or at most drug stores for a great variety of conditions. You can run some tests yourself while others need to be mailed back to the company for results.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">There are many over-the-counter medicines that you can take to help treat certain ailments. Some supermarkets provide a few medications free-of-charge but a prescription is required.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Healthcare information &#8211; there are multiple reputable online sources where you can become empowered.<\/span><\/li>\n<\/ul>\n<p><b>Where to get catastrophic healthcare coverage<br \/>\n<\/b><span style=\"font-weight: 400;\">Medical cost sharing plans can be a good option for those seeking coverage for unlikely costly or catastrophic healthcare events.<\/span><\/p>\n<p><b>Read more<\/b><\/p>\n<p><a href=\"https:\/\/healthdrum.com\/blog\/cash-price-care-beats-insurance-priced-care\/\"><span style=\"font-weight: 400;\">https:\/\/healthdrum.com\/blog\/cash-price-care-beats-insurance-priced-care\/<\/span><\/a><\/p>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">Written by HEALTHdrum<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Routine office-based healthcare is affordable; it does not need to be \u201ccovered\u201d by a health insurance plan. Furthermore, despite so-called coverage, you pay for your routine care anyway with copays and deductibles as well as paying for pre-existing conditions and non-covered services. Does your car insurance cover the cost of a new tire? Of course [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":3736,"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":[21],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Getting Routine Healthcare Without Health Insurance | HEALTHdrum<\/title>\n<meta name=\"description\" content=\"Find Affordable Healthcare with Self Pay Routine Care\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/healthdrum.com\/blog\/getting-routine-healthcare-without-health-insurance\/\" 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\/>\n\t<meta property=\"og:image:height\" content=\"799\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Bert Vorstman\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@healthdrumapp\" \/>\n<meta name=\"twitter:site\" content=\"@healthdrumapp\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bert Vorstman\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/healthdrum.com\/blog\/getting-routine-healthcare-without-health-insurance\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/healthdrum.com\/blog\/getting-routine-healthcare-without-health-insurance\/\"},\"author\":{\"name\":\"Bert 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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. After retiring and leaving colleagues to continue the urology practice, he became founder and CEO of a healthcare platform that connects buyers and sellers of routine, cash pay healthcare services - www.HEALTHdrum.com\/ Through this platform he also enables colleagues to reclaim their profession from health industry exploitation. Partial bibliography https:\/\/ascopost.com\/issues\/june-10-2016\/prostate-cancer-opinions-vary-on-gleason-scores-and-surgery\/ https:\/\/ascopost.com\/issues\/november-25-2020\/a-urologic-surgeon-assesses-the-current-state-of-prostate-cancer\/ https:\/\/www.medscape.com\/viewarticle\/945928 https:\/\/urologyweb.com\/robotic-deception-prostate-cancer-hoax-p-5\/ https:\/\/bvorstman.medium.com\/prostate-cancer-treatment-deception-and-lies-30e23f17b749 https:\/\/healthdrum.com\/blog\/the-gleason-6-prostate-cancer\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Getting Routine Healthcare Without Health Insurance | HEALTHdrum","description":"Find Affordable Healthcare with Self Pay Routine 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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. After retiring and leaving colleagues to continue the urology practice, he became founder and CEO of a healthcare platform that connects buyers and sellers of routine, cash pay healthcare services - www.HEALTHdrum.com\/ Through this platform he also enables colleagues to reclaim their profession from health industry exploitation. Partial bibliography https:\/\/ascopost.com\/issues\/june-10-2016\/prostate-cancer-opinions-vary-on-gleason-scores-and-surgery\/ https:\/\/ascopost.com\/issues\/november-25-2020\/a-urologic-surgeon-assesses-the-current-state-of-prostate-cancer\/ https:\/\/www.medscape.com\/viewarticle\/945928 https:\/\/urologyweb.com\/robotic-deception-prostate-cancer-hoax-p-5\/ https:\/\/bvorstman.medium.com\/prostate-cancer-treatment-deception-and-lies-30e23f17b749 https:\/\/healthdrum.com\/blog\/the-gleason-6-prostate-cancer\/"}]}},"_links":{"self":[{"href":"https:\/\/healthdrum.com\/blog\/wp-json\/wp\/v2\/posts\/3733"}],"collection":[{"href":"https:\/\/healthdrum.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/healthdrum.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/healthdrum.com\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/healthdrum.com\/blog\/wp-json\/wp\/v2\/comments?post=3733"}],"version-history":[{"count":3,"href":"https:\/\/healthdrum.com\/blog\/wp-json\/wp\/v2\/posts\/3733\/revisions"}],"predecessor-version":[{"id":3775,"href":"https:\/\/healthdrum.com\/blog\/wp-json\/wp\/v2\/posts\/3733\/revisions\/3775"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/healthdrum.com\/blog\/wp-json\/wp\/v2\/media\/3736"}],"wp:attachment":[{"href":"https:\/\/healthdrum.com\/blog\/wp-json\/wp\/v2\/media?parent=3733"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/healthdrum.com\/blog\/wp-json\/wp\/v2\/categories?post=3733"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/healthdrum.com\/blog\/wp-json\/wp\/v2\/tags?post=3733"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}