Most of the time you can both negotiate a lower fee and a very flexible payment schedule. My uncle refused to buy health insurance, suffered a heart attack at age 58. Bill was over $200,000...he got the bill down to around $100,000 and worked out an interest free payment schedule of a 200 a month and the hospital was happy. I don’t buy these BS stories.
“Most of the time you can both negotiate a lower fee and a very flexible payment schedule. My uncle refused to buy health insurance, suffered a heart attack at age 58. Bill was over $200,000...he got the bill down to around $100,000 and worked out an interest free payment schedule of a 200 a month and the hospital was happy. I don’t buy these BS stories.”
One of our younger relatives is an exec with a major company. They had great insurance until Obama/Pelosi/Roberts passed their $crew working Americans and raised their deductibles to basically impossible levels.
He, his wife and his college kids are in basically good health, and they go to walkin clinics for most if not all of their health care costs.
He or his wife pay cash for what is done in the office at significant reduced charges for cash. They negotiate with the clinics on the prices and the pharmacies and even labwork. One of their daughters is junior in a college back east. The college requires vaccinations and lab work every year. The costs from that college’s clinic and lab are several hundred $’s per year. Their daughter is on a danceteam and the EKG test back there was about $300. The local clinic did the whole package for $125/Cash. They saved close to $500 by negotiating and paying cash.
Their mother negotiated a package deal with a local clinic and a nation wide clinical lab for less than $150.
In spite of having a fairly good retirement rx program, I negotiated a deal with a couple of chain pharmacies got excellent deals on 2 high priced RX drugs. My wife did the same with her arthritis meds and a cardiac drug.