E KIM: 8 ON YOUR SIDE REPORTER SUSAN SHAPIRO EXPLAINS HOW THEY DO IT

SUSAN: CAROL AND DANIEL SULLIVAN HAVE BEEN LIVING LIFE THIS YEAR WITHOUT HEALTH INSURANCE >> WE SIMPLY COULDN'T AFFORD IT ANY LONGER SUSAN: CAPITOL BLUE CROSS WANTED TO CHARGE THE YORK COUNTY COUPLE MORE THAN $2400 A MONTH FOR COVERAGE UP ABOUT A THOUSAND DOLLARS FROM 2016 IT'S INCREDIBLE

SUSAN: IT CAUSED CAROL TO INITIALLY LOSE SLEEP >> THEN I GOT REALLY ANGRY AND UPSET AND STARTED TO EXPLORE MY OTHER OPTIONS SUSAN: CAROL WAS UPFRONT WITH HEALTH CARE PROVIDERS >> IF YOU TELL THEM YOU DON'T HAVE INSURANCE MANY OF THEM WILL WORK WITH YOU AND THEY HAVE CASH ONLY PROGRAMS REPORTER: HER LONGTIM ORTHOPEDIC PRACTICE, OSS RECENTLY STARTED TRANSPARENT PRICING

YOU CAN FIND A PRICE FOR EVERY TEST AND PROCEDURE REPORTER: AN MRI WILL COST YOU $550 YOU CAN FIND A TOTAL HIP REPLACEMENT FOR $23,400 >> THIS IS A NEW BUSINESS FOR US >> IF YOU HAVE AN OPPORTUNITY TO KNOW WHAT THE COST IS AND WHAT THE BUSINESSES, IT CREATES COMPETITION

SUSAN: WHEN DR AMIT PATEL ADVISED CAROL TO HAVE AN MRI S SHE PAID INSURANCE WOULD HAVE $550 BEEN CHARGED MORE THAN DOUBLE THAT BUT WOULD HAVE PAID OUT MORE BECAUSE OF A CONTRACT >> IF YOU CHOOSE NOT TO GET INSURANCE WE DON'T WANT TO NOT TREAT YOU REPORTER THERE HAVE BEEN SOME PLEASANT SURPRISES

THE WAY THE SULLIVANS PAY LESS FOR THE STATIN DAN TAKES THAN THEY DID WITH INSURANCE THEY HAVE BEEN ABLE TO GET BLOOD WORK DONE FOR $35 AND THEY HAVE BEEN ABLE TO SOCK AWAY MONEY IN A TAX FREE HEALTH SAVINGS ACCOUNT FOR MEDICAL EXPENSES CAROL SULLIVAN SAYS YOU HAVE TO BE PRO-ACTIVE AND ASK QUESTIONS

>> DEFINITELY IT IS EASIER TO NOT HAVE TO DEAL

Source: Youtube