ColdHeartBear
V.I.P
You have decided you are going to live differently from most of your friends, neighbors, and the general populace. You have adopted a lifestyle which could lead to serious negative consequences.
In considering the many possible scenarios you have decided you will remain in contact with those you know but you will pursue your lifestyle in such a way that you do not suffer the more extreme consequences of it. You then must think like a secret agent but without the normal supporting infrastructure (safe houses, control interference, special agency doctors, etc..)
In all probability you have private health insurance (probaly with the company you work for) with a contract that you barely scanned if you bothered to look at it at all before signing. Almost every one of these contracts permits the insurance company to look into your personal medical history even when you did not use the insurance to pay for any treatment you may have received. And that is true when the insurance plays legal and fair. Most insurance companys are dirtier than that by far.
So you may ask yourself what arrangements do I need to make for myself. The ideal would be for you personally know a doctor who also shares some of your difficulties because he participates in the lifestyle. Then you could directly make arrangements for necessary medical assistance when necessary (cash of course).
Without such luck you will need to think about other arrangements.
Scenario 1: You have an infection that might lead to the invalidation of your insurance. You know that it would be a risk (Understatement) to go to the company directed physicians. So you go to a local health clinic and pay cash. No problems right? It very much depends. If you do not take both your billing file and your medical records then the insurance company might find out that you were there. No clinic is going to let you take their billing records so that landmine sits there waiting to go off. I will tell you further down how the insurance might find out.
Scenario 1 (a) same as above but you go to private physician, pay in cash, and take your private records with you. But that billing record is still there. Damn!
Scenario 2. You plan in advance that you might have a medical problem as described in the above scenario. First you know you are paying cash. Second you are going to use a pseudonym for any such transaction. You are prescribed anti-biotics and now what do you do? If you forge your real name on the script you have committed a felony. Assuming that is not a concern then you will leave a record that the insurance company will pickup when they pick up all records under your ssn#. The doctor will not know about you being the correct person who should be getting the script so now you are looking at that same said felony. Even if the insurance company does not, in states like Texas, Illinois, Arkansas, Missouri, and others with which I am not familiar with their laws and pharmacy practises you are caught because there is an online pharmacy-physician script check.
Scenario 3: Now you think like a secret agent. Same medical problem as described above. You have made arrangements to pay cash direct to a particular doctor and get needed treatment without going to the bear trap (his/her office) making sure he/she brings free samples of anti-biotics. Ideally you have 3 such general physicians under your wing.
Some of you are thinking if I took my medical records how is the insurance company going to find out what was wrong. If you look at most contracts it will let the company off the hook if you receive any kind of unreported treatment, and the billing record will be enough to screw you in that situation.
So how is the insurance company going to find out that you even went to that doctor? Except for the problem of the script probaly not.....but times change, rules change, and landmines go off. This situation actually happened but I will shorten it for the situation here at hand. Man was involved in litigation over insurance companies failure to pay for treatment. Insurance company won based on voluntary invalidation of the contract because the man had 3 episodes of unreported treatment while under the insurance contract.
The dirty trick pulled by the company was as follows: The insurance called every clinic, hospital, and every private physicians' office within the county and the nearest metropolitan area. The "nice" insurance lady said that the company was reimbursing for past medical treatment and needed the medical and/or billing records for the poor man. The office people acted like robots and just sent all the records they had just like they always do as this is general business practice. So much for physician-patient confidentiality.
How do you find such a doctor as described in scenario 3? First you talk to trusted members of your lifestyle. You ask about doctors, nurses, and other medical persons that you can approach at areas where much of your lifestyle is practised. Second you subtly start looking among your aquantenances. If you are verbose as I am you "gossip" about a doctor in the lifestyle and see if someone tops your story. Then check out the story. Third you start going to other areas where the lifestyle is practised and investigate the members subtly. (As a theoretical example most gyms will give you at least 1 free day to check them out.) Fourth, I do not have a fourth as I did not need it, so you must use your own intellect and resources to go beyond what I suggest.
End of Part I.
In considering the many possible scenarios you have decided you will remain in contact with those you know but you will pursue your lifestyle in such a way that you do not suffer the more extreme consequences of it. You then must think like a secret agent but without the normal supporting infrastructure (safe houses, control interference, special agency doctors, etc..)
In all probability you have private health insurance (probaly with the company you work for) with a contract that you barely scanned if you bothered to look at it at all before signing. Almost every one of these contracts permits the insurance company to look into your personal medical history even when you did not use the insurance to pay for any treatment you may have received. And that is true when the insurance plays legal and fair. Most insurance companys are dirtier than that by far.
So you may ask yourself what arrangements do I need to make for myself. The ideal would be for you personally know a doctor who also shares some of your difficulties because he participates in the lifestyle. Then you could directly make arrangements for necessary medical assistance when necessary (cash of course).
Without such luck you will need to think about other arrangements.
Scenario 1: You have an infection that might lead to the invalidation of your insurance. You know that it would be a risk (Understatement) to go to the company directed physicians. So you go to a local health clinic and pay cash. No problems right? It very much depends. If you do not take both your billing file and your medical records then the insurance company might find out that you were there. No clinic is going to let you take their billing records so that landmine sits there waiting to go off. I will tell you further down how the insurance might find out.
Scenario 1 (a) same as above but you go to private physician, pay in cash, and take your private records with you. But that billing record is still there. Damn!
Scenario 2. You plan in advance that you might have a medical problem as described in the above scenario. First you know you are paying cash. Second you are going to use a pseudonym for any such transaction. You are prescribed anti-biotics and now what do you do? If you forge your real name on the script you have committed a felony. Assuming that is not a concern then you will leave a record that the insurance company will pickup when they pick up all records under your ssn#. The doctor will not know about you being the correct person who should be getting the script so now you are looking at that same said felony. Even if the insurance company does not, in states like Texas, Illinois, Arkansas, Missouri, and others with which I am not familiar with their laws and pharmacy practises you are caught because there is an online pharmacy-physician script check.
Scenario 3: Now you think like a secret agent. Same medical problem as described above. You have made arrangements to pay cash direct to a particular doctor and get needed treatment without going to the bear trap (his/her office) making sure he/she brings free samples of anti-biotics. Ideally you have 3 such general physicians under your wing.
Some of you are thinking if I took my medical records how is the insurance company going to find out what was wrong. If you look at most contracts it will let the company off the hook if you receive any kind of unreported treatment, and the billing record will be enough to screw you in that situation.
So how is the insurance company going to find out that you even went to that doctor? Except for the problem of the script probaly not.....but times change, rules change, and landmines go off. This situation actually happened but I will shorten it for the situation here at hand. Man was involved in litigation over insurance companies failure to pay for treatment. Insurance company won based on voluntary invalidation of the contract because the man had 3 episodes of unreported treatment while under the insurance contract.
The dirty trick pulled by the company was as follows: The insurance called every clinic, hospital, and every private physicians' office within the county and the nearest metropolitan area. The "nice" insurance lady said that the company was reimbursing for past medical treatment and needed the medical and/or billing records for the poor man. The office people acted like robots and just sent all the records they had just like they always do as this is general business practice. So much for physician-patient confidentiality.
How do you find such a doctor as described in scenario 3? First you talk to trusted members of your lifestyle. You ask about doctors, nurses, and other medical persons that you can approach at areas where much of your lifestyle is practised. Second you subtly start looking among your aquantenances. If you are verbose as I am you "gossip" about a doctor in the lifestyle and see if someone tops your story. Then check out the story. Third you start going to other areas where the lifestyle is practised and investigate the members subtly. (As a theoretical example most gyms will give you at least 1 free day to check them out.) Fourth, I do not have a fourth as I did not need it, so you must use your own intellect and resources to go beyond what I suggest.
End of Part I.
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