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General FAQ | Cash Medical Care
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General FAQ

How does it work?

How much does CashMedicalCare.com cost to use?

Is this site associated with any organization or group in the medical industry?

Can’t you get price data from hospitals, doctors, and insurance companies?

Do you get data from any sources other than the Vendors bidding for my business?

Your prescription discounts are better than what I pay through my insurance plan, do I need to use insurance?

The importance of Medical and Dental Codes?

Won’t lower-priced care generally result in lower-quality care?

Can my doctor’s office use CashMedicalCare when recommending treatments?

Is my buying habits and activity on CashMedicalCare private?

What about my personal healthcare information?

What happens if I decide not to use the medical or dental service you referred me to?

How does the Affordable Care Act (Obamacare) affect what CashMedicalCare is doing?

Don’t most people have good health plans through their employers?

Once everyone’s insured, don’t we all just care about our in-network rates?

I’m on Medicare – is this site for me?

How do I submit my medical provider claim to my healthcare insurance to apply towards my deductible?

How far away do I have to go to visit your providers?

Who collects my money?

What if I have an emergency? Can I still use CashMedialCare?

I live in Mexico, how does CashMedicalCare work for me?

I got a better price on my own. I thought you were supposed to be the best price?

I need a service or provider category that you don’t show listed. Can you help me negotiate a better price?

I don’t live in your area, but like what I see. What are my options?

I’m a Doctor/Dentist/Surgeon or Medical testing facility, how do I become part of your program?

Does the referral for Plastic Surgery cover everything I may need?

What if you send me to a Doctor/Dentist for one thing and I need more work?

I had my lab/MRI/x-ray done and there was a problem with the results. What do I do know?

What if I’m not happy with my Provider or Vendor BEFORE I’ve had my services?

What if I’m not happy with my Provider or Vendor AFTER I’ve had my services?

What if the advertised price you sent me isn’t the same as the price the Provider/Vendor is offering me at their office?

 

How does it work?

What CashMedicalCare does is act as a clearing house for surgeons, medical labs, MRI/CT Scans and dentists to offer their unused time slots at a discount.  You as the patient is the winner.   Just like Priceline revolutionized the hotel, airline and rental car booking market, CashMedicalCare  is working to bring consumers and vendors together through a transparent and competitive marketplace.  Our goal is to help these facilities fill unused appointment slots with patients looking for good pricing.  Just think about it, if you were the owner of a radiology facility with a $2 million state of the art MRI machine,  it’s in your interest to keep the machine running?   

How much does  CashMedicalCare  cost to use?

szsNOTHING!  The cost to you to find medical and dental services through CashMedicalCare is zero. We work with vendors in helping them fill open gaps in their schedule. The care providers pay a for the marketing and outreach CashMedicalCare conducts on their behalf.  Our affiliated partners love the new business and love not hassling with insurance and all the red tape associated with American health care today.  

Is this site associated with any organization or group in the medical industry?

Our site is independent of any provider, insurance carrier, or government entity. We are not required to maintain any sensitive relationships with groups of hospitals or physicians, as is the case with insurance carriers. Because we work with so many different options in each market our service creates a clearing house concept where prices are driven down as more competitors come into our system.  More competition equals better pricing for you.

Why CashMedicalCare?

choice price transparncy fix healthcareWithout a clear and transparent market where buyers know all their pricing and value options we believe health care costs will continue to rise.  The most efficient way to deliver goods and services between two parties is the free market.  Competition drives down prices and in the end he consumer wins.

A number of States have chipped away at the pricing issue. Find out more at NCLS.org to see if your State has pricing reforms in place.  

In Arizona, where CashMedicalCare was founded, our founder worked to push a transparency law through State government. It was opposed by Insurance companies and Hospitals. Why? Because who benefits in a price controlled and complicated marketplace? Those that are large enough to control all aspects of the market.  Not the consumer.  More on Arizona’s transparency bill. 

Can’t you get price data from hospitals, doctors, and insurance companies?

Every business and organization offering healthcare services has pricing data, as does every plan of every insurance carrier. The total amount of pricing data for healthcare services in the U.S. is huge. This data is slowly being made more accessible to the public.  entKeeping consumers in the dark about pricing is part of the reason cost have risen so dramatically over the past decade.

Our goal is to get as much information into your hands as possible. We do our best to provide you with the total price for your service but there are going to be additional costs that are incurred.  It’s important that you take our price quote or referral form and continue to discuss the costs of your care with the provider we send refer you to. 

Referrals for dental crowns are pretty straight forward but a knee replacement may be a much more complicated process.  A basic referral is straight forward but a surgery may involve other providers, operating and recovery rooms and many other added costs.  

For example; in a major surgery like a knee replacement the US average is about $24,000. The breakdown is as follows: 

$4500 Artificial knee –
$500 Radiology 
$600 Nurse technician
$2400 Surgeon
$1200 Anesthesia
$600 Operating supplies
$2500 Operating room charge
$700 Recovery room charge
$11,000 Hospital room stay at 3.5 days
$200 Braces or crutches

So even when we refer you to a Provider, continue to ask HOW MUCH and get as many details as you can!

Do you get data from any sources other than the Vendors bidding for my business?

We are regularly combing through data from public sources and expect that flow of pricing to increase over time.  Americans are becoming increasingly savvy at searching for healthcare cost information on the internet. Our mission is to become a clearing house of the best prices from the best medical and dental providers in the markets we serve. Our message to the providers we work with is, the better your pricing the more clients you will have.  

Your prescription discounts are better than what I pay through my insurance plan, do I need to use insurance?

bwwwNO, prescription medications is a complex and difficult market to navigate. There are difference between generic and brand name pharmaceutical and purchasing your prescriptions at a national chain pharmacy, grocery store pharmacy or online pharmacy.  We’ve researched the various pharmacy discount programs in the US and partnered with ReformRelief.  ReformRelief has exceptional pricing, a great look up tool that helps you find what you are looking for at a great price in your local market. Once you find the prescription you are going to fill, simply click the order button and a coupon will pop up that you can take into the local pharmacy that you chose for the exceptional pricing you where quoted.  Keep the ReformRelief – CashMedicalCare pricing coupon with our group number and you can receive great discounts on all your prescription medications.  We can mail you a ReformRelief-CashMedicalCare  card to keep in your wallet for discounts on all future purchases, just send us a note at support@cashmedicalcare.com.  For most prescriptions, ReformRelief offers an option to buy online for additional savings. The process is smooth and easy to set up. Once you’ve set up the online pharmacy, refills are exceptionally easy with a few clicks of your mouse.

The importance of Medical and Dental Codes?

Medical billing and insurance based reimbursements are based on diagnostic and procedural codes. It is important that when you are pricing medical services you know the code of the test or procedure, descriptions can differ but the codes are the universal pricing language in medical and dental offices. For example, there is a different code (at a higher price) used for seeing a physician at their office if you are a new patient vs. an established patient. There are also different codes used depending on how long you spend in a physician’s office. We at CashMedicalCare do our best to offer you a referral with the Medical and Dental codes associated with the procedure you are undergoing. These codes help everyone speak and understand in a common means.

Won’t lower-priced care generally result in lower-quality care?

1419132290_99ad8f495f_oThere have been studies year after year attempting to find a correlation between price and quality of care, but there has never been any evidence found that paying more results in higher quality care.  In the end, you are in charge of the relationship so we encourage you to ask questions about experience, credentials and judge for yourself if there is a fit with the provider or service you are being referred to. If you have a positive or negative experience, we want to know. Your feedback is critical to ensuring we only work with the highest quality and best value firms in your market.  Let us know how your service went at support@cashmedicalcare.com.

Can my doctor’s office use CashMedicalCare when recommending treatments?

Yes, and please ask the healthcare facilities that you visit to use CashMedicalCare  and inquire about becoming a vendor. We are also creating products specifically for medical organizations with the intent of providing better care for consumers at a lower cost.

Is my buying habits and activity on CashMedicalCare  private?

CashMedicalCare  does not share out data with third parties. We do use the referral trends of our clients to determine which industries and specialties are the most popular and continue to expand our offering of vendors to match your needs.  Visit our Privacy Page for more information.

What about my personal healthcare information?

We go into depth on personal health information and HIPPA regulations at our Privacy Page.

What happens if I decide not to use the medical or dental service you referred me to?

If you’ve done your home work, decided we are the best option for your particular needs and request a referral to one of our vendors and then decide not to use the service then simply do nothing.  Your financial arrangement is between you and the vendor we send you to.  All the terms, warranties and financial agreements are between both of you and not CashMedicalCare.

How does the Affordable Care Act (Obamacare) affect what CashMedicalCare is doing?

In analyzing the newly launched exchanges it looks like higher deductibles and large co-pays are here to stay in American healthcare. To make the plans affordable, you can chose between Gold – Silver and Bronze plans with each having larger out of pocket and co-pay expenses.  For example the Bronze plan, which has the lowest monthly premiums typically come with a $4000 per individual or $8000 deductible with a total of $12,700 total family out of pocket expense (a blend of deductible matches and co-pays). That’s on top of a 40% co-pay for most services.

How this actually works for a Bronze plan holder is as follows;  If you need to go to an Urgent Care with a mild fever, first you have to have paid your full deductible of $4000, then the out of pocket co-pay is going to be $120. Not that big of a bargain when you consider the spot price for a CashMedicalCare Urgent Care visit can be as low as $89, depending on your market.

Don’t most people have good health plans through their employers?

The number of Americans with employer-based health insurance has been declining for years, and is now well below 50% of the country. Employers, large and small, are almost all either moving to high-deductible plans or getting out of employer health benefits altogether.

High deductibles are here to stay. For the first time in more than a decade the growth in healthcare spending has slowed in America. Many studies have concluded that high deductible plans and more consumers asking –‘How Much Is This Going To Cost?’ and ‘Do I Really Need This Service?’ being major contributors to this trend.  AEI Ideas.

Once everyone’s insured, don’t we all just care about our in-network rates?

The CBO estimates after the ACA is fully in place, there will still be some 30 million Americans uninsured. And as insurance-negotiated rates increase, there are actually a growing number of people discovering that going outside the insurance system and paying cash rates saves them a lot of money.

I’m on Medicare – is this site for me?

3663192052_7427d16ded_oMedical practices lose a lot of money on Medicare and Medicaid patients. Large numbers of providers are getting out of this business. If trends continue, it will become increasingly difficult, as soon as the next 5 years, to find practices that will take on new Medicare or Medicaid patients. The result will be that the beneficiaries of these programs, many with lower-than-average incomes, will be forced to pay high list prices directly (or find very expensive insurance). CashMedicalCare will help these consumers find quality care they can afford.

If you look to markets that have universal coverage such as Canada and Britain, you’ll see a trend of long wait lines, bureaucratic inefficiencies and in some regions inferior care. In a single payor, government controlled healthcare delivery model there is always room for a cash based system for those who want better service and care.  CashMedicalCare is on the cutting edge of this market trending.   More on Canada’s wait times from National Post of Canada.

The national median wait time was 18.2 weeks, about three days longer than last year, according to Waiting Your Turn, the 2013 edition of the Fraser Institute’s annual report. In 1993, the median wait time was 9.3 weeks.

How do I submit my medical provider claim to my healthcare insurance to apply towards my deductible?

If you are planning on submitting your medical providers invoice to your insurance we recommend you contact your insurance company prior to using our service to learn about any special procedures you should follow. You have a right to go where you want for your care. Your insurance company may discourage visits outside of their network but you must weigh the costs and benefits of where you receive care. 

Your provider can provide you with a detailed invoice including ICD-9 codes which are universally accepted visit and procedure codes that tell the insurance companies what services you received. For many medical test, including labs your insurance company will also need a diagnosis code which tells them why your Provider is ordering the tests they are ordering.

Get an invoice, make sure the ICD9 and Diagnosis Code is accompanied just to be safe. If you are not applying your charges towards your deductible don’t worry about sending in your forms.  Be aware that there are dozens of insurance companies with hundreds of plan options.  Some plans have general deductibles and some have in network and out of network deductibles. It’s important that if you are planning on submitting your out of pocket expense towards your deductible that you understand what your particular plan rules are. Call ahead.

Some of your medical forms may have tax destructibility benefits. Visit the IRS to learn more.

How far away do I have to go to visit your providers?

We try to match you with a medical or dental service provider as close as possible to your home. In larger communities you may have to drive across town to get the best quality and price service in our network.  For certain services, like plastic surgery or Mexico dentistry we may offer you a vendor that is in an adjoining town.  For these major purchases it may make sense to drive a little farther to get a better price.

Who collects my money?

In most cases your medical or dental provider collects the fees for services.  Given the unique nature of medicine and dental services it is not uncommon to find out you need more or less of the services you originally thought.  You provider will tell you up front what your fees will be and charge you accordingly. When you request a referral, if payment arrangements are unique it will explain those arrangements prior to your service.

What if I have an emergency? Can I still use CashMedialCare?

CashMedicalCare is not equipped to handle emergencies and we recommend that you contact 911, just like you would normally do in an emergency.

I live in Mexico, how does CashMedicalCare work for me?

America has the top medical technologies and some of the highest skilled medical professionals in the entire world.  For years Mexican citizens have traveled to America for surgeries and procedures that may not be readily available in their country.

Typically these medical tourism visits involve paying full price for all the services requested. Pricing in American healthcare is very confusing and the actual price a hospital or doctor bills is much much more than what could be negotiated. 

CashMedicalCare offers a few options for Mexican citizens that are looking for American medical services; recovery and luxury hotel accommodations for you and your family.  These bundles are negotiated and packaged to give you the highest quality, most comfort and best pricing available.

Second, if you have a physician or surgeon you want to use let us handle all the other logistics including surgery center, hospital, recovery and anesthesia. Each of these elements of your visit can be negotiated and save you a considerable amount of money. We know the process, the questions to ask and act on your behalf to ensure the best quality and value for your money.

I got a better price on my own.  I thought you were supposed to be the best price?

CashMedicalCare  has as it’s mission to bring you the best pricing and quality possible for your 5660312674_b0982fbd94_ohealthcare dollars. We believe that if we create an online market place that puts vendors and customers together with clearly stated pricing that the escalating costs of American healthcare will start to get under control.  The most efficient way to provide goods and services is the free market.  American healthcare hasn’t been a free market system for over two decades and you can see where we are at today.

If you have a better price than we’ve found for you TELL US! We are constantly looking, negotiating and pushing for the best pricing for medical and dental services for you and all our clients.  Be our eyes and ears on what’s going on in your market and we’ll share what you’ve found!

Just like travel sites like PriceLine.com or Hotwire.com has revolutionized the delivery of hotel, air and rental cars we hope to build a marketplace at CashMedicalCare  where medical and dental service providers and testing facilities can fill extra capacity with waiting patients ready to pay a fair price.

I need a service or provider category that you don’t show listed.  Can you help me negotiate a better price?

Yes! If we can help you we will. Chances are if you are looking for a service we don’t offer others are looking for that service too.

I don’t live in your area, but like what I see. What are my options?

CashMedicalCare  has plan to deliver this service to every market in America. That process takes time and talent. We are working daily to expand so keep checking back.

I’m a Doctor/Dentist/Surgeon or Medical testing facility, how do I become part of your program?

We are always looking for good quality providers that can deliver a great price to our clients. If you would like to learn more about CashMedicalCare  and our ability to help your practice send us a note at support@cashmedicalcare.com.  Visit our Provider Registration page to learn more.

Does the referral for Plastic Surgery cover everything I may need?

Yes and No.  The pricing information that we send over to you when requesting a cosmetic procedure will detail what is included and at what price.  Typically a surgery involves a surgeon’s billing, a facility billing and anesthesia billing and in the case of implants, the actual cost of the implant. We try to bundle all the prices for you and detail what pricing you should expect when you visit the Plastic Surgery center. There may be additional charges if you add additional items, request extra accommodates in anesthesia, facilities or recovery facilities. Your CashMedicalCare  referral to a Plastic Surgeon spells out what to expect but we highly encourage you to discuss with your provider what else is or is not covered in your procedure.  Let us know how your service worked out, your feedback to us is important to ensure that we work only with the top Providers in our markets.

What if you send me to a Doctor/Dentist for one thing and I need more work?

I had my lab/MRI/x-ray done and there was a problem with the results. What do I do know?

What if I’m not happy with my Provider or Vendor BEFORE I’ve had my services?

What if I’m not happy with my Provider or Vendor AFTER I’ve had my services?

What if the advertised price you sent me isn’t the same as the price the Provider/Vendor is offering me at their office?