Doctors Visit
Regular doctors visits (wellness/routine) are not covered (unless they are related to a medical event/incident).
So how can I afford to see a doctor or a specialist??
With 'regular' insurance, on average people pay about $35.00 copay.
Also the average person pays $348 on health insurance premium, per person, per month.
With the Gold plan you pay $150.00 'premium' per person, per month
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You save approx. $198.00 from the national average, per person, per month.
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Put this $198.00 (or at least a portion of that amount) in a savings account every month and it will be easy to pay any doctor's bill when you need it.
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If the doctors visit requires lab work and other testing, and the total bills add up to be over $500, then you can submit your bill to CHM.
At the doctor's office:
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Talk to the billing department and explain that you are "self-pay"
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Most doctors offices have significant reduced fees for self-pay patients as they don't have to file a claim and wait for their money. Doctors offices love self-pay patients and have a self-pay discount policy in place.
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Use the "health savings account" technique for doctor visits.