Originally Posted by stonedstooge
So people who pay for OBamaCare will have astronomical Deductibles. How many of these people, barring a major illness, will ever reach their deductibles? Who will receive any benefits? People who pay nothing? We going to make sure all the non-working people reap the benefits and remain healthy while those who pay and work get nothing in return?
This is the exact reason a good amount of people carry high deductibles. Most are smart enough to realize on an average year, they're not going to need a ton of healthcare so what's the point in paying 2-3x/more in premiums for a $1k deductible as opposed to a $5k deductible. All of their healthcare in a given year is going to be OOP, unless something catastrophic happens. BUT NOW......those plans are about TWICE as expensive as they were before!
I can tell you that in my office right now, and we're through 10 months of the year at this point, I would estimate that maybe 10% of patient's that have deductibles have actually met their deductible. The other LARGE majority are nowhere near that and paying for 100% of the allowed charges on their own. So their insurance isn't paying anything for their visits and the patients only benefit is paying the contracted rate rather than full charge.
I would also guess that approx half of my pt's have plans that carry deductibles and the other half have plans that cover everything and they have no pt responsibility (most HMO's) or the pt's are only responsible for coinsurance of 10-20%. I'm guessing these great plans, that the patient's obviously love, are going to start disappearing in the near future because they are what the govt deems as "too good".