It's only getting worse...https://www.nytimes.com/2016/11/28/upshot/when-having-insurance-still-leaves-you-dangerously-uncovered.html …
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And it's worst for people with chronic diseasehttps://www.nytimes.com/2014/05/20/upshot/why-patients-with-chronic-illnesses-should-pay-less.html …
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had a patient tell me her deductible is 15k.
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$1000 deductibles have been around for many years. What is new is a $13,500 deductible for the Bronze Affordable Care Act PPO plan in Maryland. Amazingly awful!
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That’s the family deductible to be clear. Maximum legal individual deductible is $7350 for 2018.
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Looking closer - I see that is the out of network amount per person. You are correct the in network is what you said. I feel better and will require less anti-anxiety therapy.pic.twitter.com/IYoVEGpPJU
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A problem still exists that is ever out of network care were needed - the deductible starts from scratch. As in one individual having two separate deductibles. The cost at $20,000 for a $6500/13100 deductible is still outrageous.
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I don't get all this '$1000' deductible stuff. People with $1000 deductibles are the lucky ones. What about a $4000, $5000 & $6000 individual deductible? And you don't need to have any of those conditions to be majorly impacted. Make Healthcare Affordable Again!
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Both the RAND experiment and analysis of Oregon's Medicaid changes strongly suggest that increased cost sharing affects people/patients even *before* they develop disease.
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To wit: "Nir Menachemi, a health policy professor at [IU] who recently published an analysis of high-deductible plans in Health Affairs, said numerous studies show people are more likely to forgo preventive care when they have a high deductible — even if that care is free."
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This.
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Ha! The last few years, mine have been $6,000+ on marketplace plans. But....at least I had coverage, because I was diagnosed w/ a very rare and complex disease, and had to undergo a bone marrow transplant.
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and luckily, under ACA reforms, they couldn't just drop you from the plan when you got sick!
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True. My life was saved because of the
#ACA.
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I wish my deductible had only been $1,000. Mine was $6,000.
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That’s what they want. They don’t want you to seek care.
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American health care is a tragedy and a disgrace.
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Health care is great. Health “insurance” is the tragedy
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