Insurance is great except . . .
The are many reason people come to Medical Monks to buy their medical supplies. Great prices, fast shipping, knowledgeable customer care associates, the list goes on . . . but why on earth would anyone pay for their own medical supplies?
We talk to a lot of customers who call us and want to place a phone order for their medical supplies. Customers share their situation and many are quick to tell us why they are calling and paying for their own supplies. Here are the top 5 reasons they give:
1. No Health Insurance
- If you don’t have health insurance, but have a chronic illness, you will need to pay cash for your medical supplies. However, unfortunately many in this situation forgo treating their chronic condition with the medical supplies they need.
2. High-Deductible Health Plan
- Many Americans now have higher deductibles to meet before their health insurance benefits kick in. While we understand that having a higher deductible usually means lower monthly premiums and that some benefits, like preventative care, are covered before you meet your deductible, almost all plans require you meet your entire individual or family deductible before your supplies are covered. Especially at the beginning of the year, this can mean paying entirely out of pocket for your supplies.
- Even if you have insurance, you may prefer to shop online and pay cash for medical supplies. While most online suppliers will not bill your health insurance (most of them aren’t contracted with any insurances at all) some will and many will provide you with a list of codes so that you can submit the bill to your insurance. While you won’t receive anything back from your insurance, you will receive “credit” towards your deductible. Especially if you or another family members expects to use your insurance throughout the year, you want to make sure every dollar you spend out of pocket is counted towards your deductible.
- You should also consider using your HSA (health savings account) or FSA (flexible spending account) funds to pay for supplies. Save your receipts!
3. Dealing With Health Insurance Is Too Complicated
- Some patients choose to pay for certain procedures or supplies with cash because they don’t want to deal with the hassle of authorizations, co-insurances, explanation of benefit statements, and the list goes on.
4. Don’t Like The Provider Your Health Insurance Is Contracted With
- Your health insurance company, especially if it’s an HMO or medical group, may only authorize certain providers for your medical supplies. If you have limited options and don’t like the customer service, locations or product offerings from the contracted provider, you’re stuck.
- We especially hear from customers who say their insurance covers only certain types of products and in only certain quantities. If a customer wants high quality supplies and in the quantities they need many times they will have to pay out-of-pocket.
5. Prefer To Order Supplies Online Or From A Specific Vendor
- We hear from many customers who would rather pay cash and have a choice about where they receive their medical supplies. Some have had a bad experience with their insurance’s contracted provider or have heard from family or friends about their great better with another provider.
I hope this helps spell-out many of the reasons people are reaching for their credit or debit cards to get the supplies they need. If you have reasons not listed hear I’d love to hear from you. Please drop me a note at scott.hetland@medicalmonks.com.
About the Author
Scott Hetland is President of Medical Monks, Inc. with experience in the Medical Industry for last 12 years. Medical Monks is medical supply retailer serving consumers and businesses across the United States since 2016. Reach Scott at scott.hetland@medicalmonks.com.
먹튀검증 says
https://m-today.net/verify
mycroxyproxy says
Hi my family member I want to say that this post is awesome nice written and come with approximately all significant infos I would like to peer extra posts like this
youtube to mp3 says
Your writing is a true testament to your expertise and dedication to your craft. I’m continually impressed by the depth of your knowledge and the clarity of your explanations. Keep up the phenomenal work!
Vicenta Kutch says
obviously like your web-site but you need to test the spelling on quite a few of your posts. Several of them are rife with spelling problems and I to find it very troublesome to inform the reality on the other hand I’ll certainly come back again.
mycroxyproxy says
I do trust all the ideas youve presented in your post They are really convincing and will definitely work Nonetheless the posts are too short for newbies May just you please lengthen them a bit from next time Thank you for the post
tivimatepremium says
I am not sure where youre getting your info but good topic I needs to spend some time learning much more or understanding more Thanks for magnificent info I was looking for this information for my mission
bestiptv-smarters says
Fantastic site Lots of helpful information here I am sending it to some friends ans additionally sharing in delicious And of course thanks for your effort
top888casino says
I loved as much as youll receive carried out right here The sketch is tasteful your authored material stylish nonetheless you command get bought an nervousness over that you wish be delivering the following unwell unquestionably come more formerly again since exactly the same nearly a lot often inside case you shield this hike
bestiptv-smarters says
Normally I do not read article on blogs however I would like to say that this writeup very forced me to try and do so Your writing style has been amazed me Thanks quite great post
Stefan Watsica says
Your commitment to excellence is commendable.