FWIW, here are a few tips for all w/ no insurance, from my people across the country & personal experience:
- it's becoming a monopoly, so be careful. EX: our city hospital, merged w/ it's competitor hospital. then merged with 4 urgent cares in town. plus several large private practices. if ANY of the above pull you up in the system, they ALL can see if you've paid.
- when @ the ER, it is understandable that you might not have any ID on you (for obvious reasons). you can give them any name/address you want.
- when a "spouse" or "child/parent" takes you to the ER, they don't ask for proof. that person can sign all paperwork guaranteeing useless payment, as "Medical Power of Atty".
- the fastest way to get seen ASAP, is to mention: HEART ATTACK or ASTHMA ATTACK or STROKE. and on a scale of 1 to 10 pain, it's a 10. (i'm sure Scott's wrist is hurting so bad, that he might be having shortness of breath)
- exit out the front door, or waltz right past the payment window @ back door as if you're simply going outside to smoke.
- technically, you can't be held responsible for anything you sign, because you are under duress (applicable only to ER & Urgent Care).
- if you have 2nd or 3rd opinions, and they differ from previous, those can be used to negate original invoices.
- when all else fails, play the "single mother w/ no child support & no insurance" card. it'll get you 50%-100% discount.
for them, it's all about write-offs & grants & milking the insurance companies. (my firm also audited hospitals.) and playing the game....
*please don't think poorly of me personally; i'm trying to help. this is a conglomeration of info from my self-employed associates who have no insurance & dwindling income.