Hospitals posting their cash discount policies online

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Posted by admin | Posted in Self Pay Resources | Posted on 30-08-2014

Here are some of my favorite examples of hospitals that have clearly stated their discount policies online.

1. http://www.unionhospital.org/financial-assistance.asp  — Union Hospital in Dover, OH

Look at their rates. 30% discount for self pay, PLUS another 20% if you pay same day (like for tests), or 15% discount if paid within 30 days. So you could get a 45-50% discount straight off the bat, that’s incredible. No questioning or wondering what they’ll offer, it’s right there for all to see.

2. http://www.huntingtonhospital.com/Pricing/SelfPay.aspx  — Huntington Hospital, Pasadena, CA

This place will charge 110% of medicare pricing for inpatient costs, which means 10% over whatever medicare would reimburse them for. That’s impressive, because medicare reimbursement rates are low, too low sometimes.  For outpatient costs they will charge 35% of expected costs, which means effectively a 65% discount if I’m reading that correctly. To offer such a huge discount for cash patients probably means their chargemaster rates are super high, but hey, we’ll take it!

3. http://www.sjo.org/For-Patients/Billing-Insurance-and-Payment/Self-Pay-Discount-Program.aspx — St Joseph Hospital, Orange, CA

Short and sweet, cash patients get 45% off without even blinking. No forms to fill out. Just 45% off with an additional 10% for prompt pay.

None of the discounts shown above are based on income. Most hospitals have sliding scales based on your income and it’s relationship to the federal poverty level. Earlier I had found a hospital that promised discounts if your income was 700% above federal poverty levels. That means a family of 4 could earn over $100,000 a year and STILL get a discount based on income and it had nothing to do with joining medicaid.

I wish more hospitals would publish their self pay discounts and policies online. It would be so helpful when researching and also make the conversations with billing that much easier. Rest assured, your area hospital has a plan for cash patients, you will just have to ask. And there’s no problem with asking, and even asking for more. Use these hospitals as an example. 110% of medicare pricing? 65% off? Granted not all hospitals start at the same price point so it’s all kind of relative, but that 110% of medicare offer is pretty clear cut. I would take that in a heartbeat.

If your hospital is this transparent with their self pay policies, please post a comment about them here. I’d love to develop a good list that members could reference as examples.

Comments (6)

We are looking at Samaritan’s because our current plan (which we liked) is being cancelled. After reading this post, I found our local hospitals average rate schedule including discounts for self-pay and self-pay within 10 days. If we could just drive consumerism back into health care, many of the cost problems would go away.

https://www.aghosp.org/sites/www/Uploads/files/Downloads/AGH%20Average%20Patient%20Pricing%20Document.pdf

Wow, those are some nice discounts. Thanks for finding that.

wish all hospitals made it this easy…I am in the process of trying to figure out the rate for the birthing center here in san diego is. And what discounts they will give self pay patients. This will be the first need we will have shared since we became members. Your site is very helpful…thank you for sharing your experience and all the research that you do!

You’re quite welcome! If you find out any solid details please post them here, I’d love to get more information out to members and future members. Congratulations on your upcoming bundle of joy! Maybe my family will even get to share in your need… never know! 🙂

Hi Marcelina,
Congratulations! Thank you so much in advance for more details sharing in the future. I also locate in San Diego and currently are thinking about canceling my traditional insurance policy since my husband and I are having so much trouble and disappointment. I would be so much appreciated if you may share more details here! I wish you a healthy pregnancy 🙂 and have a successful research on the rate for the birthing center! God bless you and your new family!

Ivy,

congratulations to you too! I wish you a healthy pregnancy and hello from a fellow San Diegan! I recently saw a flyer for a company in San Diego that posts cash prices and it had birthing center as an option. You might want to check them out: doctible.

On a seperate note, this is too cold here in san diego. Hope you are bundled up for two!
God Bless 🙂
vanesa

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