Earlier this morning I saw a post about medical bills for someone who was not insured. Can not find the post now, but an idea for those on the board who themselves or (s)kids are uninsured or underinsured.
If you dont have insurance and have to take kids/ yourself to the doctor there are two things you can do to lower your costs.
1) If it is a hospital or a physicians office that is owned by or affilated with a hospital they should have a discount program. Most of these programs are 1 simple sheet of paper to fill out and state how much the household income is. Based off household income, the hospitals/ doctors will approve a discount off the stated prices from 10% off to literally the services being free due to low household income.
Don't feel bad for the hospital/doctors if they offer the services free, they keep track of the free services and get a tax break for the free care they offer through the programs.
2) If you do not qualify for the discount program: Offer to pay 100% of the Medicare allowable for services rendered.
Typically physicians bill out at 200% of what Medicare's fee schedule is. 99% of physicians will accept 100% of medicare fee schedule from a self pay patient: what this means for you is your bill gets cut in half (essentially, sometimes more, sometimes a little less than half)