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View Diary: Health care spending slowdown saving nation up to $770 billion (37 comments)

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  •  "other factors"??? (2+ / 0-)
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    tardis10, nchristine

    Do you mean like my Mother and Aunt whom have two different "insurance" plans?  My Mother has coverage that my step father, at 76 yrs old is still working for and my Aunt whom has Medicare and nothing else?

    Just talked to my Mom this morning and she couldn't understand why Medicare wouldn't pay for the same medical treatments for my Aunt that she get's covered.

    They have the same COPD condition and the same doctor yet my Aunt can't get the same treatment as my Mom does.

    As for this:

    So the high cost of health care for average people with employer-based insurance is still a problem and still has to be addressed through health care reform on the provider side, rather than the insurance side.
    Ignores this:
    Moreover, those deductibles—the amount a person needs to pay out of pocket before insurance steps in to cover claims—have risen sharply. That exposes workers to a larger share of their own health costs, and generally forces them to spend less.
    How can our for-profit system be fixed?

    My employer based coverage costs me $1800 a year and they haven't yet, after 2 1/2 yrs, been able to find me a PCP in my area taking new patients? That cost is expected to rise 17% this year.  Since my employer pays 1/2, that means it's going to go up 34%.  

    Add to that when I got sick last summer and thought I had strep throat, without a PCP, I was forced into 2 choices:  wait 3 business days to get "pre-approval" or go to go to an Urgent Care Facility and pay a $250 deductible.  I realized if I had strep throat, I couldn't continue to work (losing pay every day at my $9 an hour job) without getting everyone else sick or go and get treatment.  I went, only to find out that it was cheaper for me to self-pay than use the coverage I'd already paid for.  

    I effectively have no healthcare even though I'm paying insurance for it.

    What's the solution?

    -7.62; -5.95 The scientists of today think deeply instead of clearly. One must be sane to think clearly, but one can think deeply and be quite insane.~Tesla

    by gerrilea on Tue May 07, 2013 at 10:30:21 AM PDT

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