Can an office ask for cash payment when they accept your insurance?

  • by amy
  • Oct 10,2017
  • 9 answers

Can an office ask for cash payment when they accept your insurance?


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Insurance Answers (9)

Evan H last month

Your insurance might cover the services but this doctor is probably not in network. Doctors really get weary about seeing people who are out of network or are uninsured, and they may ask for $ up front to avoid the risk of you not paying. Ask the doctors office for a itemized coded bill, submit that to your insurance company, if they are going to cover any part of it, they will pay you directly

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Casey Y 2 months ago

That could be your deductible...we don't know your plan.

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Insurance Pickle.com 2 months ago

That's why I laugh at them when they ask for upfront payment. "No, thank you. I'll wait until after the insurance processes and I get my EOB." And, if they're not in network, don't use them.

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StephenWeinstein 2 months ago

Yes. $3000 is a lot, but it is normal to be asked to prepay your copay and/or your deductible.

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mbrcatz 2 months ago

The big question is, HOW is your insurance accepted? If it's accepted "in network" then they can't bill you more than the balance, AFTER the insurance discount, and after the insurance pays. You can file a complaint with your insurance company.
But, if they take it "out of network", then they CAN request you to pay in full; it's then up to YOU to file the claim with your insurance company, and get reimbursed whatever the out of network reimbursement amount would be.

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Jay R 2 months ago

Request a refund.

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Jeffery H K 2 months ago

You give a copy of the receipt to insurance showing that you paid, and they will pay you.

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Success 2 months ago

your insurance company will refund it. Call them.

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amy lynn 2 months ago

Call your insurance company.
Your insurance company will send you the money that would have been paid to the doctor's office. So, if your insurance would have covered 80% of that bill, then your insurance company will send you that money instead of the doctor's office since you already paid it up front.
Be sure to let your insurance company know what happened so that the process the claim to be paid to you instead of paid to the doctor.

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