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View Diary: Overcoming discomfort with the ACA's Individual Mandate (28 comments)

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  •  so what. it's not "regular dr visits" that make (1+ / 0-)
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    people go broke---it's breaking your leg and not having the money to pay the deductible plus the 20-40% of the bill that your much-vaunted insurance doesn't cover.

    •  uh, you don't seem to really understand the (3+ / 0-)

      insurance policies or terminology that you are making an argument about.  Reasonable.  Most people who have health insurance coverage don't understand it.  But if you are going to make a claim about the horrible nature of a deductible, you ought to understand what a deductible pertains to and what it does not.  

      It's terribly arcane and people often conflate a required co-pay that is used toward a deductible as evidence of non-coverage, say for an ER visit that turns into an admitted hospital stay.  I have a $2K deductible but I paid only $300 for my entire event, including ER visit, overnight in the Cardiology unit, and the battery of cardio tests the following day. The actual cost of my event to my insurer was significantly higher than my out of pocket costs, even with my high deductible, since I paid only $300 toward my 2K deductible.

      You might wish to do a little more research before making as strong a statement about what isn't covered (before or after co-pay or deductible).  I agree with your lack of fondness for insurance companies but you ought to at least have your facts in order.

      ps. I live in Mass where we have an individual mandate and have had it for years.


      "Out of Many, One Nation." This is the great promise of the United States of America -9.75 -6.87

      by Uncle Moji on Tue Oct 29, 2013 at 05:34:29 PM PDT

      [ Parent ]

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