Healthcare Savings Blog

Healthcare Savings Blog

Our Healthcare Savings Blog is designed to help you. Health care and insurance is very complicated. At uMedMarket, we understand these complexities. Because it’s hard to grasp, we’ve simplified things down to a few core topics that are easy to understand. From people with no insurance to people with High Deductible insurance plans, we cover a lot. Additionally, we target users and topics that are relevant for them, plus employers and the complexities of providing health care and insurance to employees. Above all, our goal is to help you understand your health care and know how uMedMarket can support you. Also, if you don’t see a topic and you have questions about it, please let us know!


About Cash Discounts In Healthcare

Cash is king because it lowers the cost of providing care.

The doctor doesn’t have to deal with insurance billing, delayed payment or collections. That’s about 25-30% of their overhead.
Our independent providers don’t charge “facility fees” which are allowed by insurers to compensate hospitals for costs associated with operating a hospital.
Our providers are competing for patients against Billion Dollar plus Health conglomerates.

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What Is Co-Insurance

Co-Insurance is way to split payment for specific services between you and your insurer. Typically only certain high cost services will have a co-insurance payment, like hospitalization. With a co-insurance amount (usually a percentage of the allowable charge), you will always pay that percentage each time you use that specific service.

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What Are Health Sharing Ministries?

Healthcare sharing ministries (HSMs) are non-profit organizations that have created a mechanism for sharing health care costs among members who have common ethical or religious beliefs. An HSM does not offer health insurance. Rather, they offer to share healthcare expense among members as they are able. They do not  accept risk, make no guarantees and do not purchase reinsurance policies.

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All About High Deductible Health Plans

High-deductible health plans (HDHPs) are more common than ever. The reason is simple, the cost is a lot less expensive than traditional plans like PPOs and HMOs. But there’s a lot of confusion about what exactly they are and how they work.

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Still Have Questions?

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Our Team Is Here To Help!

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Dr. David Grisell

David has been a physician for nearly 35 years. He has practiced Radiation Oncology in a private practice, hospital setting and in academic practice at a university. His experiences gave him the idea for uMedMarket. With uMed Market, he wants to help people have more access, more control and avoid the financial surprises that many people encounter in healthcare today.


Dan Grisell, MBA

Dan Grisell (son of David) is a Mechanical Engineer by training. He graduated from Georgia Tech in 2015. After a few years at a food and beverage packaging firm, he decided to follow in his father's footsteps and get his MBAe from Clemson. During his MBA program Dan has worked in the uMed Market business, building the website and has learned how broken the healthcare system truly is.