Can I have the option to not use my health insurance?

Yes, you can ask the care provider to bill you and not your health insurance. You will probably have to go to great effort to do this, as all of their systems are geared to bill the insurer. If you want to make sure that the insurer does not get the bill (which would have your diagnosis and treatment also), your safest approach is to withhold your plan ID number.

The health insurer cannot use information about your health to sell you things, nor can they give your health data to someone else. They can use it only to pay your bills and run the health plan. If they want to use it for any other purpose, they have to get your written permission. There is always the slight chance that the health insurer's system will get hacked, but to forego your health insurance benefit seems like an expensive way to protect your privacy.

For more plain and simple answers to health insurance questions, visit Health Unsurance blog in the related links below.