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manticore33 wrote The value I see in something like this is where I can choose a treatment plan based off of my budget or the amount I am willing to spend. So, lets say I could have a surgery and fix it in 2 weeks for $2,000 out-of-pocket, or take medication for 6 months for $500 out-of-pocket, or do a lifestyle change and fix it in 12/mo for next for $40. I can use money as an additional deciding factor in my healthcare treatment plan. For instance, though I will be healthier sooner, is the value of a quick recovery worth $2,000? What could that $2,000 or $1,500 be better spent on to enhance my life when paired with a lower cost treatment plan? Etc. It is somewhat extreme, but I hope I am conveying my idea.
If you come to us, paying cash, we are glad to lay all that out and come up with a solution. I do it frequently.
The problem is that it is really a 3 party negotiation - you, practice, insurer. Only one party, due to power and law, has access to all the information needed to properly negotiate and that is the insurance company.
A.
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