With all the deadline to register for Obamacare gone and having come, many Americans decided to opt out for sidestepping the individual mandate ” of President Obama’s signature health care reform law, choosing instead to pay the $95 penalty.
“People who would like to opt out should be studying options to standard medical insurance, for example joining a healthcare buying a fixed gains coverage or sharing ministry.”
Americans are also strongly advised by Parnell against opting out as well as simply paying the “list” cost for medical visits and prescription drugs or by relying exclusively on the neighborhood hospital emergency room for routine medical care.
“This approach leaves folks who opt out vulnerable to sky-high medical expenses at inflated ‘list’ or ‘chargemaster’ rates, and can result in an inability to get needed care because of cost,” Parnell writes on his blog, selfpaypatient.com.
Parnell recommends the next eight alternatives for individuals who have opted from ObamaCare:
1. Join a health care sharing ministry, which are voluntary, non-profit membership organizations that share medical expenses among the membership.
While Liberty HealthShare is open to those who are consecrated to spiritual liberty, Parnell states that Samaritan Ministries, Christian Healthcare Ministries, and Christian Care Ministry are open to practicing Christians.
Health Care sharing ministries operate totally outside of ObamaCare’s regulations, and typically offer benefits for about half the price of medical insurance that is similar,” says Parnell. “Members will also be exempt from needing to pay the tax for being uninsured. ”
2. Obtain a short term health insurance policy.
“These coverages hence, don’t offer exactly the same high level of benefits that could drive prices up and usually are not controlled under ObamaCare, and, typically last between one and 11 months, Parnell is written by ”.
3. Purchase alternative insurance plans for example fixed- accident insurance, critical illness, or benefit.
“These policies pay cash in the proceedings you might be diagnosed with cancer, spend a night in the hospital, or need various other medical treatment,” Parnell says. “They cost a portion of what health insurance costs under ObamaCare, and by giving you cash directly you aren’t locked in to any specific supplier network.”
Parnell also recommends maxing out medical and uninsured/underinsured motorist coverage amounts under a car insurance policy, which could help pay for medical bills in the case of injury in an automobile accident.
4.Use generic prescription drugs whenever possible, and compare prices between pharmacies. Less expensive alternatives are sometimes available at big chain drugstores like Walmart and CVS, and online sites such as GoodRx.com and WeRx.org allow patients to look at the very best deals on drugs.
5. For surgery, Parnell advocates proceeding to a facility that offers up-front “package” prices for self-pay patients, like the Surgery Center of Oklahoma and Regency Healthcare, where costs are generally considerably less than what’s billed at most hospitals. Moreover, websites such as MediBid, where doctors bid on providing your operation or treatment, will frequently give significantly less expensive prices coupled with high quality medical care. Yet another choice is really to eventually be a health tourist.
6. Patients who wish to negotiate on their very own will likely should put in an important level of time plus effort, but can make use of the Healthcare Blue Book or Pricing Healthcare as a starting point to help them find out what insurance companies are spending for medical services.
7. See cash-only doctors and retail health clinics for primary care. Consider joining an immediate primary care practice that will give you access to almost infinite primary care for a modest monthly fee, in the event you usually see a doctor a lot more than a couple times each year.
8.Register for a telemedicine service -price options where physicians treat comparatively simple medical problems via electronic mail, phone calls, or a video connection. Telemedicine notably works well, Parnell says, for conditions, common injuries, and sicknesses.
“Many Americans say they’d favor free market healthcare, and they do n’t have to wait for Congress to repeal, replace, or reform Obamacare to have that, ” Parnell told Breitbart News.
“Just by opting out as well as doing things like visiting cash-only physicians, becoming a health tourist, shopping around for the best prices on prescription drugs, and obtaining an alternate kind of coverage they are able to enjoy all of the advantages of free market health care today including accessibility to affordable, quality care and getting government and insurance company bureaucrats out of the doctor-patient relationship.”