


What If You Can’t Get Insurance Through Your Job?
Don’t wait until you need healthcare. Once you have a problem, choices are limited. You have 4 basic options and uMedMarket helps with each.
User Frequently Asked Questions are important! If there are any other questions you have that aren’t answered here, let us know!
It’s an online shopping site for local cash healthcare services in upstate South Carolina. It works like Kayak.com but for healthcare. uMedMarket can be used two ways:
It’s as simple as 4 or 5 clicks and users can save big, sometimes as much as 3-4x the cost of services at a hospital based facility.
Online by credit card or debit card, just like on any website. We do not accept PayPal or cryptocurrency.
Most insurance network prices are significantly higher than uMedMarket prices, so if you use your insurance, the price will likely be higher. For high cost services, your co-pay or co-insurance alone is frequently more than the uMedMarket price. So, first ask for the uMedMarket price. If you present your insurance card, the provider is obligated to charge you the insurance network price for services.
Its up to your insurer. Some insurers will accept it because its low cost. Others treat uMedMarket services as ‘out-of-network’ and some may not count them toward your deductible at all. It’s worth submitting the receipt and report to your insurer (it lists the price and service) to count toward your deductible. The uMedMarket provider will not file an insurance claim for you since they have been paid by you on a cash basis.
Its up to your insurer. Some insurers will accept it because its low cost. Some insurers will treat uMedMarket services as ‘out-of-network’ and thus may not count them toward your Out-of-Pocket Maximum. It’s worth submitting the receipt and report to your insurer (it lists the price and service) to count toward your Out-of-Pocket Maximum. The uMedMarket provider will not file an insurance claim for you since they have already been paid by you on a cash basis.
Since uMedMarket is not insurance and requires cash payment, providers can offer big discounts because they get paid up-front, avoiding the cost and delays of insurance and collections. And uMedMarket works mostly with independent providers, not hospitals, who are competing for your business. Hospital based services are generally much more expensive than independent providers. Independent providers commonly charge less than ½ the cost of hospital based services with an equal or greater level of quality and service! Learn even more here.
Don’t wait until you need healthcare. Once you have a problem, choices are limited. You have 4 basic options and uMedMarket helps with each.
An HSA is a tax free savings account that allows you to set aside pretax money to cover health care not covered by your insurance. To be eligible for an HSA in 2020, you must have a qualifying, high-deductible health plan (HDHP) with an annual deductible of at least $1,400 for an individual or $2,800 for a family. You can’t contribute to an HSA if you’re enrolled in Medicare or a dependent listed on someone else’s tax return.
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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