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The Self-Pay Patient: Affordable Healthcare Choices in the Age of Obamacare Kindle Edition

4.4 4.4 out of 5 stars 78 ratings

You don't need expensive health insurance to get healthcare - and might be better off without it!

The Self-Pay Patient reveals the secrets to taking control of both your healthcare and your health costs, showing you how to find affordable medical care outside of conventional insurance, how to escape bureaucratic medicine, and how to opt-out of Obamacare. This book explains:



1. How to exempt yourself from Obamacare without having to pay a tax for being uninsured

2. How to find alternative types of coverage that are far less expensive than conventional insurance

3. How to find doctors, hospitals, pharmacies, and other medical providers that provide big discounts for cash payment

4. How to avoid the sky-high healthcare prices that unsuspecting self-pay patients are often charged


The Self-Pay Patient is a resource for anybody who wants or needs to pay directly for their own healthcare, including the uninsured as well as people with high-deductible health insurance. This is the real survival guide for anyone who wants to opt out of Obamacare, and can save individuals and families thousands and even tens of thousands of dollars a year!

Editorial Reviews

About the Author

Sean Parnell runs the website TheSelfPayPatient.com, and serves as Adjunct Scholar in Health Policy for the Rhode Island Center for Freedom & Prosperity. He's authored several policy studies on healthcare and previously reported on self-pay and charity care options for Health Care News. He has appeared on The Daily Ledger, been profiled on Breitbart.com and Samaritan Ministries, and interviewed on The Chuck & Colleen Show, Medicine On-Call with Dr. Elaina George and the David Madeira Show.

Visit TheSelfPayPatient.com to learn more.

Product details

  • ASIN ‏ : ‎ B00HBUPLFG
  • Publisher ‏ : ‎ Self-Pay Patient, LLC (January 2, 2014)
  • Publication date ‏ : ‎ January 2, 2014
  • Language ‏ : ‎ English
  • File size ‏ : ‎ 1463 KB
  • Text-to-Speech ‏ : ‎ Enabled
  • Screen Reader ‏ : ‎ Supported
  • Enhanced typesetting ‏ : ‎ Enabled
  • X-Ray ‏ : ‎ Not Enabled
  • Word Wise ‏ : ‎ Enabled
  • Print length ‏ : ‎ 97 pages
  • Customer Reviews:
    4.4 4.4 out of 5 stars 78 ratings

About the author

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Sean Parnell
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Sean Parnell runs the website TheSelfPayPatient.com, and serves as Adjunct Scholar in Health Policy for the Rhode Island Center for Freedom & Prosperity. He’s authored several policy studies on healthcare and previously reported on self-pay and charity care options for Health Care News. He has appeared on The Daily Ledger, been profiled on Breitbart.com and Samaritan Ministries, and interviewed on The Chuck & Colleen Show, Medicine On-Call with Dr. Elaina George and the David Madeira Show.

Visit www.TheSelfPayPatient.com to learn more.

Customer reviews

4.4 out of 5 stars
78 global ratings

Customers say

Customers find the book helpful, comprehensive, and relevant. They describe the content as succinct, thorough, and easy to read. Readers also say the book is worth the small nominal fee.

AI-generated from the text of customer reviews

21 customers mention "Information content"21 positive0 negative

Customers find the book has very helpful information. They say it provides useful tips and ideas for those who have had to rethink their health care. Readers also mention the book provides many actionable links and information for more affordable health care. Additionally, they appreciate the numerous references provided for further investigation.

"...It is also very useful if you do have insurance because it will show you how in many cases paying cash will actually save you money over using your..." Read more

"...And there are options! There is a surprisingly broad array of topics covered here, all concisely explained and supported with numerous references..." Read more

"...The other reviews seemed to point out that the book has very helpful information, and I agree to a large extent...." Read more

"...This book consolidates ALL the hidden gems & pieces of healthcare advice that I have been trying to find for 4 years now, and I am more confident..." Read more

7 customers mention "Clarity"7 positive0 negative

Customers find the book very succinct, thorough, and easy to read. They mention it's mathematical and straightforward.

"...There is a surprisingly broad array of topics covered here, all concisely explained and supported with numerous references provided for further..." Read more

"Very good explanations of how to negotiate when self paying. Very helpful for taking control of your medical costs." Read more

"...It's an easy read too and I am NOT a medical person or even insurance person by any means and if I can understand it anyone can...." Read more

"...This guide is very mathematical, and straightforward. It's like a list of options and variations on those choices...." Read more

7 customers mention "Value for money"5 positive2 negative

Customers say the book is worth the small nominal fee.

"...The book is worth the small nominal fee and I learned how to reduce prescription and medical bills even though I do have insurance...." Read more

"...This book is worth the investment even if (esp if) you have obamacare's high deductible policies." Read more

"...It is not worth the price." Read more

"...Obamacare aside...this is still a great reference for anyone wishing to manage costs...." Read more

Top reviews from the United States

Reviewed in the United States on January 16, 2014
This book covers everything you would want to know about finding medical care if you don't have insurance. It is also very useful if you do have insurance because it will show you how in many cases paying cash will actually save you money over using your health insurance. For example, you can purchase generic prescription drugs at Wal Mart for less than your co-pay might be! For those of us on Medicare, paying cash will help you reserve your Part D for when you really need it. For example, my blood pressure medicine is cheaper paying cash at Wal Mart than if I use my Medicare Advantage Plan's Part D. And remember that with Part D Medicare plans the charge against your Part D plan is both your co-pay and what the insurance company pays. Which means you can go through your Part D plan quicker than you expected. The book also goes into finding lower cost lab tests than what a hospital lab will charge you. You may be able to obtain dental services and vision care for less by paying cash. It does pay to shop around. Need dental work? Get on the phone and start calling dentists, telling them you don't have insurance, but you will pay cash for services. The author also tells you a lot about the pros and cons of Obamacare, and the fact that with the large deductibles of Obamacare you are going to have to be paying out of your own pocket anyway. There appear to be some alternatives to Obamacare and the author covers these very well. I really like this book and recommend it a 100%!
9 people found this helpful
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Reviewed in the United States on February 6, 2014
If you're wondering what your options and obligations are under the new law, and you don't want to wade through pages of political rhetoric about its pros and cons, get this book. If you're able to take advantage of ANY of the many, many options it covers, this book has the potential to pay for itself at least one hundred fold.

And there are options! There is a surprisingly broad array of topics covered here, all concisely explained and supported with numerous references provided for further investigation online. As a compendium of health care financing and provider resources, I'm betting this work is in class all its own.

If you're just starting out, or if you're in that 'grey area' between a forced early 'retirement' and eligibility for Medicare, the information found here will help you navigate options for direct-pay care, alternative insurance and planning for a future that is managed by you, according to your needs, rather than by a government bureaucrat thousands of miles away.

Highly recommended!
Reviewed in the United States on February 2, 2014
While I was in the middle of trying to decide on an Obamacare plan or not (semi-retired, 62, good health, uninsured), I found out about this book. The other reviews seemed to point out that the book has very helpful information, and I agree to a large extent. I am currently deep into exploring some of the options discussed. However, be aware that not all insurers of "Critical Illness" (an alternative to Obamacare) plans cover all states. I found out my preferred insurer for "Critical Illness" (Assurant) did *not* offer it in Indiana... (beat head against wall, start again). It would be nice if there were a more comprehensive state-by-state listing, but that is probably all but impossible with today's fast changing health care situation. (But why impossible in today's Internet age?)

The frustrations with straightforward alternatives have led me at times to reconsider an Obamacare plan, but then I found out none of the hospitals or doctors in my medium-sized Indiana city are "In-Network" in the cheapest plan... only in the highest cost plan -- 30% more. (Collusion? Lack of competition?) The issue that your preferred (or nearby) doctors/hospitals may not be "In-Network" in some Obamacare plans is one that I think the author needs to address more than what is covered in his book... perhaps he has or will in his informative blog.

Another nag I have concerns the idea of an exemption to the penalty tax if you meet a certain 8% rule -- that if the Bronze plan would cost more than 8% of your income, then you would be exempt. The author seems more informed about this rule than any other reading I have done, but I think it could be foolish to count on getting out of the penalty tax... I wonder that the IRS will be the judge on this issue and could quite possibly find ways to counteract any defense you attempt to raise. For example, they will most certainly base their judgement on the absolute cheapest Bronze plan they can find for you.

There needs to be *much* more information on this whole issue. This book is probably the best start there is right now... but the operative word here is "start"... a starting point. I will be following the author's blog regularly, and also another blog published by Dr. Keith Smith of the Surgery Center of Oklahoma (facility mentioned in the book).

Perhaps the most frustrating thing about this whole issue is that healthcare is so localized in nature... you don't want to have to travel to a nearby city, county, state, or country to get medical care. I some cases, you can't. If you are supposed make decisions of this kind, it is at the worst possible time... when you are sick. When I read of the "cash-friendly facilities" in Oklahoma, it makes me want to move to Oklahoma because I don't see their kind of thinking coming to Indiana in my lifetime. I went to my local hospital's Financial Services counselor and he could/would not give me their "chargemaster" pricing, only a general idea of daily room rates ($2000/day with 40% discount for self-pay patients).

Read this book if you want to get more informed on this issue...
3 people found this helpful
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