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With people finding they basically don't have insurance for the small stuff and they will have to pay for it up to a limit, will people start to shop around for low cost service?
I think this is the start of the Home Depot style of Healthcare coming on the market, to target those looking for very low cost medical services.
As it was, before the mandate and the insurance companies change policies to higher co-pay, deductibles, and out of pocket, did you know up front what it cost for your doctors appointment? NO, no you didn't.
You just let the doctors staff handle the insurance... which requires more staff, which equals more cost to staff the paper pushers. Charge the max the insurance will pay, no matter what. Up and up go your insurance premiums...
Now you have mandated the monopoly.
Monthly budgets get crushed if you get sick, or you don't go to the doctor because you cannot afford the office visit that week.
With people finding they basically don't have insurance for the small stuff and they will have to pay for it up to a limit, will people start to shop around for low cost service?
I think this is the start of the Home Depot style of Healthcare coming on the market, to target those looking for very low cost medical services.
As it was, before the mandate and the insurance companies change policies to higher co-pay, deductibles, and out of pocket, did you know up front what it cost for your doctors appointment? NO, no you didn't.
You just let the doctors staff handle the insurance... which requires more staff, which equals more cost to staff the paper pushers. Charge the max the insurance will pay, no matter what. Up and up go your insurance premiums...
Now you have mandated the monopoly.
Monthly budgets get crushed if you get sick, or you don't go to the doctor because you cannot afford the office visit that week.
that's how it should be. Americans complained about so-called "death panels", so, the alternative is for people to ration their own care via their budgets. it costs everyone when these morons show up at the emergency room with a case of the sniffles.
With people finding they basically don't have insurance for the small stuff and they will have to pay for it up to a limit, will people start to shop around for low cost service?
I think this is the start of the Home Depot style of Healthcare coming on the market, to target those looking for very low cost medical services.
As it was, before the mandate and the insurance companies change policies to higher co-pay, deductibles, and out of pocket, did you know up front what it cost for your doctors appointment? NO, no you didn't.
You just let the doctors staff handle the insurance... which requires more staff, which equals more cost to staff the paper pushers. Charge the max the insurance will pay, no matter what. Up and up go your insurance premiums...
Now you have mandated the monopoly.
Monthly budgets get crushed if you get sick, or you don't go to the doctor because you cannot afford the office visit that week.
That's a great argument to go to single payer health care.
that's how it should be. Americans complained about so-called "death panels", so, the alternative is for people to ration their own care via their budgets. it costs everyone when these morons show up at the emergency room with a case of the sniffles.
Medicaid recipients do that because it costs them nothing. Obamacare has increased the amount of people on Medicaid. Guess what will happen to medical care costs when those expenses get shifted to those who actually have to pay for their medical care.
I have believed for a long time that "health insurance" should have been structured to pay for high cost medical services. Routine services should be paid for at cost.
Insurance acts as a giant mask over the true cost of medical care. Hospitals, doctors, pharma, etc. all hide behind insurance have no responsibility to the patient to deliver value to us. Insurance also makes it too easy for people to over consume medical care. Elbow hurts because you play too much tennis? Get an MRI.
The market will adjust. If more people focus on high deductible plans, they will seek out less costly medical care for uncovered issues. There will be more small clinics, more medical practitioners, etc.
Actually, it's a great argument to get insurance companies out of every day health care and only have them around for catastrophic coverage.
Exactly. We've been on a high deductible plan for years. Healthcare is amazingly affordable when you are paying attention. We kept all of our doctors, but switched pharmacies because our grocery store pharmacies are much cheaper than Walgreens and CVS.
When a doctor asks about doing something, I always ask questions: What's the benefit, what's the cost, would you do it if you were the patient, etc. If they give us a prescription that turns out to be expensive, I call the doctor's office and ask about alternatives. For one prescription last year, there was no alternative. It was $240 at Kroger. I went online and found Target sold it for $120, plus they had a savings card to get another $20 off. So I saved $140 for about 30 minutes of effort.
I even had surgery this past year and it wasn't nearly as expensive as I expected. I priced everything out ahead of time and told every provider upfront that we are on a high deductible plan and I wanted all the cost disclosed before surgery. My insurance kicked in after I hit my deductible, but it still wasn't that expensive, even with what the insurance paid.
that's how it should be. Americans complained about so-called "death panels", so, the alternative is for people to ration their own care via their budgets. it costs everyone when these morons show up at the emergency room with a case of the sniffles.
People will continue to show up at the emergency room with sniffles.. Do you really think those who dont care about pushing costs onto others will stop seeking treatment? A deductible or not doesnt mean they will pay the bill. All you did was let the insurance companies off the hook and make it less likely bills will be paid.
A deductible or not doesnt mean they will pay the bill. All you did was let the insurance companies off the hook and make it less likely bills will be paid.
well you'd have to repeal EMTALA for it to work properly
That's a great argument to go to single payer health care.
With the cries of income inequality and raise the min wage there is no way people can watch their FICA go from 6% to 15% and still financially survive.
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