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Low premiums may mean high
out-of-pocket health costs

McClatchy News, by Julie Appleby

Original Article

Posted By:Drive, 12/27/2013 9:29:39 AM

WASHINGTON — If you buy one of the less expensive insurance plans sold through the new health law’s marketplaces, you may be in for a surprise: Some plans won’t pay for doctor visits before you meet your annual deductible, which could be thousands of dollars. “This could be the next shoe to drop, as people don’t realize that if they’re buying a bronze plan, they may have to pay $5,000 out of pocket before it contributes a penny,” said Carl McDonald, senior analyst with Citi Investment Research, speaking at a conference last month in Washington. Experts are worrying that some new enrollees

      


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Reply 1 - Posted by: WAN2, 12/27/2013 9:38:19 AM     (No. 9669379)

Perhaps we should go pre-1965 and have a pay as you go health system. You saw your doctor and paid on the way out. You SAVED (oops) for major medical expenses. If you SAVED enough you went to Mayos if/when necessary. If you couldn´t afford to pay, you worked out payments with your doctor. It worked for 189 years. Perhaps we can do with only one flat screen TV at home...

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Reply 2 - Posted by: droopydog, 12/27/2013 9:44:46 AM     (No. 9669393)

I´m so happy they fixed our broke health-care system!

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Reply 3 - Posted by: Avogadra, 12/27/2013 9:57:25 AM     (No. 9669406)

We have a few patients with high deductibles. Many (most, really) of them have no comprehension of what that means. When the insurance claim comes back stating that they must pay the entire cost of their office visit, they can´t process the information. We typically send them to Collection if they have not paid on the bill for four months. You´d be surprised how many go to Collection. Those that do finally pay their bill often leave the practice and don´t come back. They seem to expect the doctor to cover the costs of their visits until the deductible has been met.

There are all sorts of people out there who are about to learn about deductibles the hard way.

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Reply 4 - Posted by: john56, 12/27/2013 10:00:52 AM     (No. 9669413)

So do the "high premium" Obamacare plans!

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Reply 5 - Posted by: whiskey, 12/27/2013 10:15:56 AM     (No. 9669449)

headline should read: High premiums will mean high out-of-pocket costs
Thanks Obama!

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Reply 6 - Posted by: AltaD, 12/27/2013 10:33:20 AM     (No. 9669489)

How could any adult not understand the simple concept of deductibles? I don´t doubt the comments in the article and #3´s post but it boggles the mind.

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Reply 7 - Posted by: mickturn, 12/27/2013 10:33:23 AM     (No. 9669490)

May mean? Morons, that is a guaranteed outcome....low premiums are a fraud come-on, get a clue. That means the deductibles will be in the stratosphere!

Obamacare is a supreme scam and everyone is getting clued in, can´t wait until Nov 2014 so we can get rid of these scam artists...ALL OF THEM!

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Reply 8 - Posted by: jhpeters2, 12/27/2013 11:55:30 AM     (No. 9669640)

When I was young I never had insurance. Twice I had to see a doctor. I paid for each visit out of pocket total (at the time this included tests cultures etc) for $250 dollars - and perscriptions of generics. Office visits these days for a GP are what, $100? It is ludicrious that a young person, who works will waste their money on health care today. A check up and $4 perscription from Walmart or $250 a month and a $3000 deductible. Only a young moron or lofo Obama voter would buy Obamacare.

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Reply 9 - Posted by: lylacat, 12/27/2013 12:10:31 PM     (No. 9669677)


"I´m a 54 year old consulting engineer and make between $60,000 and $125,000 per year, depending on how hard I work and whether or not there are work projects out there for me.

My girlfriend is 61 and makes about $18,000 per year, working as a part-time mail clerk.

For me, making $60,000 a year, under ObamaCare, the cheapest, lowest grade policy I can buy, which also happens to impose a $5,000 deductible, costs $482 per month.

For my girlfriend, the same exact policy, same deductible, costs $1 per month. That´s right, $1 per month. I´m not making this up.

Don´t believe me? Just go to http://www.coveredca.gov/ , the ObamaCare website for California and enter the parameters I´ve mentioned above and see for yourself. By the way, my zip code is 93940. You´ll need to enter that.

If I want to upgrade my policy to a low-deductible premium policy, such as what I had with my last employer, my cost is $886 per month. But my girlfriend can upgrade her policy to the very same level, for just $4 per month. That´s right, $4 per month. $48 per year for a zero-deductible, premium healthcare policy - the kind of thing you get when you work at IBM (except of course, IBM employees pay an average of $170 per month out of pocket for their coverage).

These low income people who basically get healthcare for free will always vote for a democrat.

ObamaCare: It´s all about political power."






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Reply 10 - Posted by: Lucky4, 12/27/2013 12:10:42 PM     (No. 9669678)

In Ca. I priced them on the healthcare site and they all had deductibles of 6500 plus large co pays. The gold version was 780 a month for one single person! Crazy.

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Reply 11 - Posted by: Lucky4, 12/27/2013 12:12:06 PM     (No. 9669686)

I forgot to add, that was with you paying 480 or more a month for that high deductible plan. You are better off skipping the whole thing and paying cash.

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Reply 12 - Posted by: Hazymac, 12/27/2013 12:43:30 PM     (No. 9669732)

One thing I´ll say about Democrats and their obedient acolytes in the Mainstream Merdia (hmmmmm, I think I´ll just let that typo remain): They just cannot grasp the idea behind insurance. This clueless McClatchy article is of a piece with the NYT´s belated discovery that high prison populations positively correlate with lower crime rates. Who´d have dared to think such a thing? Julie Appleby was apparently born yesterday.

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Reply 13 - Posted by: bighambone, 12/27/2013 12:53:18 PM     (No. 9669745)

When the lid blows off Obama Care during the run up to the 2014 election it is going to be interesting to see how the Democrats and their media allies are going to shift the blame to the Republicans and possibly even Bush.

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