Beware and How to Deal With Medical Provider Contracts

Medical Service Provider Corruption - Patients Forced to Sign SWAG Medical Contracts Under Duress

[This page was originally entitled "Medical Imaging and Diagnostic Centers Saying Medicare Part B Reneges on Paying for Preventative Services" and was about a local incident. The page has since been expanded to include other local incidents and as they relate to the national issue. Bottom of the page has a list of government bookmarks for helping patients deal with unethical medical conduct. There is also a phrase I add whenever signing a medical contract.



October 13, 2016 (first local incident)

Per doctor's written instructions, I went to an imaging/diagnostic center (name temporarily redacted) for chest/lung X-rays. I had been to this place before a couple years ago and there hadn't been any problems.

As with most medical service providers, I was first directed to the Hallowed Contract Signing Room. And there is where everything fell apart...

They placed a second contract in front of me that basically said (paraphrasing):
  • We will take the X-rays.
  • We will bill Medicare.
  • Medicare will note the bureaucratic coding error and deny payment (this part was buried in legalese).
  • When Medicare recognizes the bureaucratic coding error and refuses to pay, then you must pay instead (this part was buried in legalese).
  • If you refuse to sign this contract, we will refuse to do the X-rays your doctor ordered.
I refused to sign.

The reason they did this was because they immediately realized the doctor had filled out the requisition incorrectly regarding Medicare reimbursement procedures (this was a clerical error, not a medical error). Instead of informing me of this so that the clerical error could be corrected, and thus having a loyal patient for life, they instead tried to con me into being financially responsible for the easily fixable bureaucratic, clerical mistake.

As a side note, I asked for a copy of the contract to show the doctor as to why I didn't get the X-rays and the imaging/diagnostic center flatly refused. I can't help but wonder how many other patients this CT diagnostic center attempts to victimize and does victimize each month

October 27, 2016 (second local incident)

Per doctor's written instructions, I went to a local blood lab (name temporarily redacted). While in the back room, they came in with a contract saying certain medical codes were missing and I would have to agree to pay for what Medicare wouldn't pay because of the missing codes. I declined, at which point they said they would contact the referring doctor's office and get the codes.

They then came back and said they had got the codes and proceeded to take my blood. I never had to sign anything and all appeared well.

When I got home, it occurred to me to call the doc's office to see if the blood lab really did call them and get the codes.The  doc's office said they never received any such call. They further said they would look into and deal with it, and that I would not be responsible for any bills.

I waited to see how this would sort out before acting further. Fortunately, I never signed or otherwise consented to being billed. And no bill was ever received. I can't emphasize this strongly enough, don't automatically sign whatever piece of paper a medical provider puts in front of you; read the thing and don't be afraid to say no when you perceive something is not right.

When I first reported about this second incident, I received input from others stating such things as...
  • They have been nothing but trouble for people with Medicare or PPO health insurance.
  • Credit card numbers demanded in advance before agreeing to do blood work.
  • Collection agencies being used on unwarranted/disputed bills.
This incident is considerably worse than the first incident, in fact it makes the first incident pale by comparison.

Early November, 2016 (third local incident)

Per doc's referral, I went to an eye doctor place (name temporarily redacted) and made an appointment. After making the appointment, I then perused their frames selection. The prices were literally double to triple the prices that can be found elsewhere, presumably the lens prices would be equally exorbitant.

The place was packed with patients/customers, noticing this caused me conflicted emotions...
  • On the one hand, I am pro capitalism. If a business entity discovers an unending supply of customers who voluntarily pay double to triple the going rate for a product or service, then you really can't fault the business entity for taking advantage of that.
  • On the other hand, pretty much all the patients/customers there were extremely old people who just plain no longer apparently had the mental faculties to know any better or the ability to realize what was going on. I'm not an attorney, but this could easily be perceived as a case for elder abuse. Most insurance does not pay for frames and lenses, only for the exams. Then again, maybe all the patients there were rich and just didn't care.
At any rate, I mulled things over and cancelled my appointment. I may or may not work up the energy to look into this particular situation further.

The National Problem

[This page started out being about the actions of a single medical service provider. However it has now become about the national issue of medical service providers denying patients medical care unless the patient agrees to sign what are known as SWAG CONTRACTS.]

Continuation and Update

I called the doctor's office. Yep, apparently most imaging/diagnostics centers are now pulling this stunt.

A patient being held responsible for a bill, because they falsely claimed they were insured, is indeed as it should be. However, a service provider attempting to force a patient to be held responsible for an insurer's breach of contract, bureaucracy, bad faith conduct, mistakes, or even just a misunderstanding is not.

The contract is between the service provider and the insurer, it is their responsibilities to understand and agree to the terms. Any attempt by a medical service provider to make a patient responsible for an insurer's actions is, to me, an essentially bad faith action on the part of the provider. Basically, the medical service provider is extorting the patient to insure the provider against the actions of the insurer, the threat being the withholding of needed medical care if the patient refuses to do so. In other words, patients are being forced to sign contracts under duress.

Proposed Solution


Is it any wonder most countries think America has the most corrupt Medical Establishment on the planet? Our government keeps trying to fight it. But the greed and corruption is so entrenched, ingrained, embedded, and widespread (there are media reports almost daily on the subject) that nationalization of the medical industry may indeed be the only answer.

There would still be private sector medical professionals, but the government would be the single insurer and the only legally responsible payer. And it would be illegal for any private sector medical entity to try to coerce a patient into signing any sort of contract. Proof and authentication of identity and coverage would be all that is required, pre-authorization for medical procedures implemented on an as needed basis. Premiums would be based on income. Service providers (including hospitals) would no longer have to worry about being paid. Patients would no longer have to worry about being thrown into financial hardship or outright bankruptcy.

You might try suggesting the service provider get pre-authorization from the insurer. However and for some unknown reason, there are apparently some medical service providers who refuse to make the 3-minute phone call, the initially mentioned imaging and diagnostic center being one such case.

On a personal note, I am aware versions of this situation have been going on for decades. I have always circumvented the problem by simply adding the following sentence directly above my signature in caps:"ONLY PROVIDE INSURANCE COVERED SERVICES ONLY". I am not an attorney, but it seems to work. The service provider then gets everything pre-authorized and there has never been a problem.

This Has to Stop

A Bookmarks Reference List of Patients Bill of Rights Resources

I figured while I was at it, I might as well compile a list of resources regarding the rights patients are legally supposed to have. All listed websites are government or other well-known, reputable resources. All links go directly to the website's patients rights and assistance pages. I might add to this list from time to time.

Year 2019 Update:

List moved to Government Help for When Subjected to Medical Misconduct Victimization. Particularly relates to financial and billing misconduct.

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