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View Diary: Woman in debunked Obamacare horror story finally speaks ... to Fox News (232 comments)

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  •  Probably co-pays (2+ / 0-)
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    Lance Bearer, GrandmaTess

    It's not hard to extrapolate from the information we're given.  She probably used to pay a set premium, with a set co-pay for each doctor's visit.  She could predict her doctor visits, so she could predict her costs.  And if she had to go the ER, well, there's a higher co-pay for that, but still (probably) a reasonable amount.

    What you're brushing off as "make some adjustments" means that she may be paying thousands of dollars during the first month of coverage (until she hits a deductible), whereas before she may have paid just a single small co-pay.  In other words, what's at stake here is the very nature of high-deductible policies - which may be the only affordable option for many people, and are therefore de facto mandated by the ACA.  iIstead of tackling that issue, we're treating it like  some dumb partisan argument (no matter how untenable the argument, we must be right and they must be wrong!)

    This is a bad change.  Up-front deductible policies are a worse outcome for people that actually use their policies.  If our best defense is that at the end of the year they end up paying the same amount or equivalent, then our best defense for these policies is not a defense at all.  So why defend it?  Why defend paying insurance companies just so you can earn the right to get health care coverage?

    •  copays (1+ / 0-)
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      Maybe it depends on the policy you pick, but under my new policy, I am paying copays and I did NOT have to reach my deductible($3000) first. Sheeshka was basically right with her reply.

    •  co-pays versus deductibles (0+ / 0-)

      Not sure, but on prior policies I have seen, the co-pay is fixed and  is paid for each type of visit.  The deductible then is paid on a pro rated amount per claim, but I have now seen on the web site policies that clearly say all deductible dollars has to be paid first -- or at least that is way they appear to be set up.  

      That has stopped at least a couple of people I know from buying because they simply could never meet the deductible in normal circumstances and think the insurance is too expensive even with a subsidy.  

      I realize they are overlooking the possibility of a major illness or accident, but they really don't have the money but make too much to get much of a subsidy, so I could understand their decision to take the risk.


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