Diagnostics.....Test....etc

Jul 21, 2008

  1. TonyC
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    TonyC Guru

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    Upon studying most PPO's....i notice that one of the biggest expenses one can incur...are those of Testing.

    MRI's,....X-rays, Cat-Scans....etc.

    What are some of the ways that one can get coverage for these testing?....without purchasing a accident policy from colorado bankers, etc.

    IF someone has a high deductable...and they need an MRI...they could be looking at a very-high expense.
     
    TonyC, Jul 21, 2008
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  2. bluemarlin08
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    Negotiate at pre admission. Ask if you can pay installments and they will usually counter with a discounted rate for all cash.
     
  3. somarco
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    somarco That Medicare Expert Guy

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    If they use par providers the fees are pre-negotiated
     
    somarco, Jul 21, 2008
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  4. TonyC
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    Thanks guys....

    Bob....what or what are "par providers?"


    thanks buddy...
     
    TonyC, Jul 21, 2008
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  5. somarco
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    somarco That Medicare Expert Guy

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    Providers that are in network
     
    somarco, Jul 21, 2008
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  6. moonlightandmargaritas
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    "Par"ticipating providers.
     
  7. Bob_The_Insurance_Guy
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    Bob_The_Insurance_Guy Guru

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    I've contacted three hospitals in the greater Atlanta area, and all three told me the same thing. They'd rather see $50 a month than have to hire a collection agency/attorney to get money they'll never see.

    Or, if it's in network, and a scheduled event, call around to different facilities and see who has the lowest bid. The healthcare industry is much more transparent than the democratic-driven media would have you believe.
     
  8. TonyC
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    Thanks...

    I see that some carriers have accident riders....companies like United, Humana....have them...but this only covers accidents....

    So the question is...."if i have a sore knee...and i need an MRI...is that an accident?
     
    TonyC, Jul 22, 2008
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  9. somarco
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    somarco That Medicare Expert Guy

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    Only if it is caused by an injury.

    The accident plans are just that. For what it's worth, accident plans don't cover other trips to the ER . . . like heart attack.

    And many carriers are now restricting what they will pay for non-emergency ER visits.
     
    somarco, Jul 22, 2008
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  10. dmiller90
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    Your kidding correct? Tony you need to back up and quit analyzing everything. Read your underwriting guides and quit asking for opinions. :SLEEP:
     
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