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Is it true that doctors charge a higher rate to patients who pay cash than patients who use insurance?

Vicky Eckenrode
StarNews

Actually, paying in cash can be a way to negotiate discounts at some area doctor offices. If you have to pay out of pocket because you don’t have insurance, many physicians will provide a discounted rate.

Douglas Dixon, a family physician on Market Street, routinely gives discounts for services paid for in cash. The difference in rates depends on the type of visit, an office representative said.

Wilmington Health Associates charges the same fee schedule for all patients regardless of insurance coverage, said Brenda Harris, director of business services. But uninsured patients can get a 25 percent discount if they pay for the services in full when they are seen, she added.

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2 Responses to “ Is it true that doctors charge a higher rate to patients who pay cash than patients who use insurance?”

  1. On February 24, 2015 at 4:20 pm John McMahon wrote:

    This answer isn’t really accurate… or maybe it’s just semantics… the Dr’s office may charge the same rate to the insurance company, however the insurance company pays much less then what they are charged. If you have insurance just look at your Explanation of Benefits… you’ll see the Dr’s office will charge one amount but the amount actually paid by the insurance company is a fraction of that amount.

  2. On March 3, 2015 at 10:45 am Sergio wrote:

    if you really think about it, you at most times pay more for routine Doctors visits per year. so if you went to the doctors 2 x a year for general check up; $600 month Ins. payment x 12 = $7200 + copay $25.00 x 2 = $50 – Total paid $7250 per year.. Now take cash/no Ins.; visit $100 x 2 per year = $200 !!! That’s a savings of $7050 per year…. big difference, yes?



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