Why does HealthJoy sometimes recommend cash options over using insurance?

Believe it or not, sometimes it's cheaper to pay cash for certain healthcare services.

Many services, from MRIs to outpatient surgery, could cost you less out-of-pocket expenses if you don’t get your insurance involved. This is especially true for those with high deductible health plans (HDHPs) who need to meet a substantial deductible before insurance coverage kicks in.

Some doctors and facilities offer significant discounts for cash payments. In competitive markets, services like MRIs may be cheaper at smaller facilities willing to attract new business. Some facilities even offer discounts for off-peak hours, maximizing their revenue despite providing discounts.

At HealthJoy, we're committed to finding innovative ways to save you money. While you're not obligated to use these recommendations, we aim to present you with diverse options. If you have questions about any recommendations, our concierge is available to assist you.