5 Replies to “Is health insurance mandatory in US for any doctor to treat the patients?”

  1. In the US you DO NOT need insurance to go visit a doctor.
    If you don’t have insurance the doctor may request payment up front.
    If you don’t have payment such as credit card – the doctor CAN refuse your services.

    At hospitals in case of an emergency no patient can be denied services.
    Insurance or no insurance.

  2. no. and no doctor is obligated to take any or any insurance. nor are they obligated to see you, insurance or not.

    and yes, hospitals can refuse to treat you, even in the er.

  3. OOPs did not notice that the question is from India.

    As reported 2/7/10 in The Hindu, India’s national newspaper (online)

    NEW DELHI: The Clinical Establishments (Registration and Regulation Act) Bill, 2010 — approved by the Union Cabinet last month — makes it mandatory for all clinical establishments to provide medical care and treatment to stabilise any person in an emergency condition.

    If the Bill is passed in Parliament, this will be the first time emergency medical care is made obligatory under law in the country.

    In 1989, the Supreme Court gave directions that emergency care be not denied to victims under any circumstances. The Law Commission also recommended legislation to make it mandatory.

    In the United States a federal law the Emergency Medical Treatment and Active Labor Act is a statute which governs when and how a patient may be (1) refused treatment or (2) transferred from one hospital to another when he is in an unstable medical condition.

    EMTALA was passed as part of the Consolidated Omnibus Budget Reconciliation Act of 1986, and it is sometimes referred to as “the COBRA law”. Another very familiar provision, also referred to under the COBRA name, is the statute governing continuation of medical insurance benefits after termination of employment.

    The essential provisions of the statute are as follows:

    Any patient who “comes to the emergency department” requesting “examination or treatment for a medical condition” must be provided with “an appropriate medical screening examination” to determine if he is suffering from an “emergency medical condition”. If he is, then the hospital is obligated to either provide him with treatment until he is stable or to transfer him to another hospital in conformance with the statute’s directives.

    If the patient does not have an “emergency medical condition”, the statute imposes no further obligation on the hospital.

    A pregnant woman who presents in active labor must, for all practical purposes, be admitted and treated until delivery is completed, unless a transfer under the statute is appropriate. The statute explicitly provides that this must include delivery of the placenta.

  4. If you want to pay cash you don’t have to be insured. You can also go to a low-cost clinic inside a hospital, or a community health clinic, or public health department.

  5. Good that you are not a Kaali (chakki) Poocha. Medical expenses in the US are very high. In the case of a hospitalisation or medical treatment the insurance company settles the claim. Even if you can pay for the bills it is advisable to have a Helath Insurance in place.

    Have a nice day! and look around for a chakki (kaali poocha) to kill boredom.

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