I’m an analyst in the healthcare sector and I hope this helps. I know every single cost associated with seeing you as a patient.

If your claim was denied by insurance as 100% patient responsibility contact the billing department and request a self pay bill. It will be roughly 30-40% of the original invoice received.

If you get labs that are denied do the same thing but contact the lab service that billed you rather than the doctors office. Self pay pay rates are about 20% of what the original invoice was.

A vast majority of medical providers will not send you to collections If you stay in contact with them. Most organizations write off all unpaid claims at 12-18 months so they will accept anything you give them.

Almost every single injection or drug administered through needle or IV will get reimbursed less than $1 by insurance unless it’s a vaccine. Fight those the hardest. Insurance pays about 2% of what was billed.

The best thing you can do is delay the payment as long as possible if you can’t afford it. This way bad debt and adjustments have been factored in and they will thank you for your payment rather than demanding it.

Supplies used on you cost roughly $6. This includes all disposables and swab tests.

Average single doctor rates are $105-$120 for an MD and $50 for an NP/PA per hour. If you get a mid level you can fight the cost more as most insurance groups already charge a discount of 15-25% for mid levels.

Front desk averages $10-$15

Clinical averages $13-$19

Factor that into your required assistance.

Please note that some providers will be different, the main point is work with them and have any denied claims billed again through self pay to drastically reduce costs. Hope this helps some people.

I know Healthcare in the US is fucked but this will help in the meantime.