acciolesbians t1_jd4asc5 wrote
Maybe contact your insurance company & see what your options are. It sounds like fraud, providers can’t charge less for cash pay patients & they shouldn’t be billing you for services not rendered.
No_Concentrate9935 t1_jd4jjjt wrote
I thought Drs could charge less if you paid up front and they didn’t have to hassle w billing & insurance.
SnooMemesjellies7591 OP t1_jd4p8p9 wrote
Right, I will contact Aetna and see what my options are if this is intentional and fraud
For each visit, three types of services were billed to the insurance, adding up to $90-$100, whereas cash was $60. The service was the same. Because I had a HDHP, I didn't meet the deductible. Therefore if the insurance didn't cover much, I would suspect I can take them to court to charge me the cash rate.
No_Concentrate9935 t1_jd4ppku wrote
Just wait till you are on Medicare. No coverage for physicals, & even though it took them months to properly get me covered, they backdated billing for three months so I owe them $600, for nothing.
SnooMemesjellies7591 OP t1_jd4q5qk wrote
I'm in my late 20s. Isn't Medicare (not Medicaid) only for older people? Either way, healthcare sucks and is overpriced and I feel seriously ripped off. Do you think my credit card company would do anything if I ask them to reverse the extra payments for services not rendered? Or CFPB? It worked before for other medical payments.
Technical-Data t1_jd4p99s wrote
I don't know about chiropractors, but for real doctors and hospitals, that was one of Hillary Clinton's poison pills in HIPAA. You can't offer a cash discount lower than what any insurance company would be billed. She didn't want us to be able to negotiate lower prices. ObamaCare negotiated an incentive for higher bills so there's now even more reason those are enforced because they cost insurance companies allowed profit if you pay with cash rather than use insurance.
SnooMemesjellies7591 OP t1_jd4pxvw wrote
Is there any chance I can get a refund of the insurance premium too if I cancelled? Should I file a BBB/CFPB claim against Aetna my insurance provider?
Dusty923 t1_jd562uq wrote
This is a devil that had to be allowed in the law to get it passed so that more Americans could have access to healthcare. They needed the insurance company's blessing. Because private corporations have so much control over the political system that we can't write laws to stop them from doing evil things.
Rocketgirl8097 t1_jd6712q wrote
Yes they can. But it is fraud to be billed for services you haven't received.
Salmundo t1_jd84ze0 wrote
I’ve never been to any provider who didn’t charge less for cash paying clients.
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