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Health care providers offering self-pay discounts for the uninsured

If you are uninsured and scared to death to go to the doctor, you really should check to see if the provider networks in your area offer a “self-pay discount” for uninsured patients.

I was surprised to see a 20% discount when going in for my checkup last week – all because I was self-paying.

Granted, this isn’t as cheap as the copays you could pay if you were insured, and likely doesn’t apply if you do have insurance with a deductible. But it is nice to know that you can save a little bit of money just because you happen not to have insurance. I am also not sure if the discounts apply if you choose to be billed by your provider. In my cash-only world I prefer to pay for everything up front rather than get the bill collectors after me later!

I’ve Googled and seen networks offering as much as a 40% discount for services, so it might be good to check locally so you can have access to a doctor and a provider network.

Someday we’ll all have the opportunity to buy health insurance whether or not we have pre-existing conditions, but until then this does offer a tiny bit of peace of mind.

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