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How To Maximize Use Of A POS Health Insurance Policy

Negotiate Fees With Out-Of-Network Health Care Providers

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Ask out-of-network providers if he or she will accept the in-network fee for services or accept what Medicare pays. To find out what Medicare pays for the procedure, see offsite link, look for physician's fee schedule.

The American Medical Association says doctors have an obligation to compassionately consider the patient's ability to pay.

Most doctors have different fee schedules for the same service depending on who is paying for the service. Studies show that the success rate is high enough that it is worth negotiating fees with a provider. It may be uncomfortable the first few doctors you ask, but what do you have to lose?

It may be uncomfortable the first few doctors you ask, but what do you have to lose? 

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