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<p>[QUOTE=&quot;charley, post: 25349503, member: 5372&quot;]That would have been a valid retort on behalf of consumers utilizing the services of Healthcare Providers 20 years ago.</p><p><br /></p><p>It is not valid now. Consider that Healthcare Providers risk CMMS/Healthcare Insurance Providers Audits for doing so, especially when the cash payment for Insurance Deductibles (and in some situations Copays) is not filed with the Insurance Carrier, and may violate Balance Billing requirements, and....if the entity is a Regional Group or Super Group and/or Hospital.....violate Stark.</p><p><br /></p><p>It is a lot of Wampum if fined, and there are practices that have paid 5K-15K, especially since ACA. That is not the only Penalty, because the Provider also risks loss of Credentialing with CMMS. That is a Death Penalty for the Provider.</p><p><br /></p><p>There are many other scenarios that may have impact, such as Liability policies that exclude on premises Cash, HR violations, CC Fees, etc., as brief examples. It is not as easy as telling the Patient a percentage is paying with a CC/DC, etc.</p><p><br /></p><p>It is not just a cost of doing business thing.</p><p><br /></p><p>The blogs about paying yourself for Deductibles/Copays saves money if the individual has substantial deductible before insurance covers, is Baloney, except in very rare cases, and can also trigger loss of coverage.</p><p><br /></p><p>Reading the 2,300 page ACA, with Amendmendments added as of March 2024, or the CMMS Stark Rules, and the individual Healthcare Insurance Policy (every Insurance Provider entity has different requirements) helps explain the complexity.</p><p><br /></p><p>I agree with the thrust of the pay cash position. That does not transfer into costing myself problems, and fishing from a bass boat when the boat has a hole in the deck letting water flow in.</p><p><br /></p><p>Truth in editing: added a &quot;)&#039;, and the words &quot;...helps explain the complexity&quot;.[/QUOTE]</p><p><br /></p>

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