r/HealthInsurance • u/MenuRare9880 • Apr 28 '25

Claims/Providers Illegal to not bill through insurance?

I just got insurance for the first time in 3 years. My treatment that cost me $190 cash (self-pay) is now $520 until I meet my $3,500 deductible which would take me 11 months, soo.. pointless.

I told my Dr’s office I am no longer going to go through my insurance & the billing lady said that’s illegal… I am going to look for a new Dr now anyway but is there truth to this? Would I face repercussions as an individual patient if I simply chose not to disclose that I have insurance & pay the cash price?

FYI: the self-pay price was NOT subsidized by a grant or aid.

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u/MSPRC1492 Apr 29 '25

It’s a racket. Having insurance doesn’t help with medical costs. It makes them higher.

People need to accept this and stop playing the game.

I cancelled my old policy and told my doctors I’m now uninsured. I bought a policy where I have to pay $6,500 out of pocket before it pays a dime- and told nofuckingbody. It will never be used unless I have a serious emergency, and not “I need a mammogram” emergency, but an I’m airlifted off the scene of an accident emergency in which case paying $6,500 won’t be my biggest problem.

4

u/Alternative-Sweet-25 Apr 29 '25

$6500 is a drop in the bucket when it comes to healthcare costs.

3

u/[deleted] Apr 29 '25

Yep. I just had an emergency surgery on my back and it was $600,00