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Thread: Patients Pay Before Seeing Doctor as Deductibles Spread

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by trfjr View Post
    you are going to have a lot of pissed off the Obama voters which most are miss or uniformed that will sign up pay that one monthly premium and go to the doctor demanding treatment to find out it will cost them a few thousand to get that treatment
    Probably...as well as a bunch of others who didn't vote for Obama but got their exchange insurance because, "It's the law".
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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by Cardinal View Post
    My point was that this phenomenon is not new, let alone actually caused by the PPACA.

    What else is new. If we wanted to solve most of our current problems we would have universal health care. The common theme you'll find from us wacky liberals is not that the PPACA solves everything but that it's better than what existed before it.
    Yes, I agreed twice to this 'nothing new' point of 'pay up front'. But you failed to address my supposition that 'MANY of those uninsured were so due to inability to afford coverage. Now they must come up with premium, co-pay AND deductible the sum of which they couldn't afford prior' unless the platitude 'it's better than what existed before it' was meant as meaningful response. If so, I'm still confused as folks couldn't afford MEDICAL care before PPACA and considering my supposition the will not be able to afford MEDICAL care (premiums, co-pays and deductible) after PPACA...as health care (read insurance) doesn't heal anyone...
    "The fact that we are here today to debate raising America's debt limit is a sign of leadership failure" - 2006 Senator Obama...leadership failure indeed!

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by Dickieboy View Post
    Yes, I agreed twice to this 'nothing new' point of 'pay up front'. But you failed to address my supposition that 'MANY of those uninsured were so due to inability to afford coverage. Now they must come up with premium, co-pay AND deductible the sum of which they couldn't afford prior' unless the platitude 'it's better than what existed before it' was meant as meaningful response. If so, I'm still confused as folks couldn't afford MEDICAL care before PPACA and considering my supposition the will not be able to afford MEDICAL care (premiums, co-pays and deductible) after PPACA...as health care (read insurance) doesn't heal anyone...
    You say you've already agreed to this twice, yet you continue with the idea that "now" "many" must pay the deductible up front. I'm confused about what point you're making.

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by Cardinal View Post
    You say you've already agreed to this twice, yet you continue with the idea that "now" "many" must pay the deductible up front. I'm confused about what point you're making.
    The point is that those who were paying premiums, co-pays and deductible before could then, can now (pre/post PPACA) which is what I agree to. But those who were uninsured pre-PPACA and are now able to afford PPACA via subsidies won't only have to afford premiums but also these co-pays AND deductible prior to medical care. If they couldn't afford only the premium pre-PPACA how are they going to now afford all three as co-pays/deductibles are not subsidized? Considering this what's changed for them?...they have insurance but cannot afford use it?
    "The fact that we are here today to debate raising America's debt limit is a sign of leadership failure" - 2006 Senator Obama...leadership failure indeed!

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by Dickieboy View Post
    The point is that those who were paying premiums, co-pays and deductible before could then, can now (pre/post PPACA) which is what I agree to. But those who were uninsured pre-PPACA and are now able to afford PPACA via subsidies won't only have to afford premiums but also these co-pays AND deductible prior to medical care. If they couldn't afford only the premium pre-PPACA how are they going to now afford all three as co-pays/deductibles are not subsidized? Considering this what's changed for them?...they have insurance but cannot afford use it?
    Yeah...Obamacare is not going to do the people you are talking about a bit of good. On the other hand, this pay-up-front trend will give Obama and the liberals a good excuse for why Obamacare is screwing people up. It's all those greedy doctor's fault.

    (I think I heard that from a liberal in this thread already)
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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by MaggieD View Post
    Are you posting this as if it's bad news? That would be good news. Emergency rooms are ridiculously over-used. If people have to pay up in advance, they'll make an appointment with their doctor -- or, YIKES! get a family doctor.

    I've had the misfortune of having to use the ER on four occasions in the last six years...for genuine pain-threshhold-ten emergencies. Somebody's there because his foot cast itches...a kid with a sore throat who's running around the waiting area...dozens of people looking just fine patiently waiting for ER care. More convenient at night is my guess. That's simply GOT to change.

    Large deductibles are a good thing.
    Sooooo.. you are just admitting that the AFFORDABLE Care Act was no such thing?

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by jmotivator View Post
    Sooooo.. you are just admitting that the AFFORDABLE Care Act was no such thing?
    I can't help what they named the damned thing. Everyone can get insurance. That's what I like about it. *shrug*

    'Course I'm used to paying my way...

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by MaggieD View Post
    Are you posting this as if it's bad news? That would be good news. Emergency rooms are ridiculously over-used. If people have to pay up in advance, they'll make an appointment with their doctor -- or, YIKES! get a family doctor.

    I've had the misfortune of having to use the ER on four occasions in the last six years...for genuine pain-threshhold-ten emergencies. Somebody's there because his foot cast itches...a kid with a sore throat who's running around the waiting area...dozens of people looking just fine patiently waiting for ER care. More convenient at night is my guess. That's simply GOT to change.

    Large deductibles are a good thing.
    Look at it this way Maggie:

    A woman who works two part time jobs makes $15,000 annually. Because of the ACA she gets bronze health insurance with, say, a $5000 deductible.

    This woman gets the flu, but the doctor wants payment up front for the visit. She doesn't have the money to pay the doctor.

    Now tell me how this is any different than her life before Obamacare?

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by MaggieD View Post
    I can't help what they named the damned thing. Everyone can get insurance. That's what I like about it. *shrug*

    'Course I'm used to paying my way...

    Everyone has insurance, less people get care. It's a great system....

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Every Doctor that I've ever had an appt. with has had their office people ask for my copay up front, when I show up.

    Maybe I'm a little short. I could ask to slide, maybe four days or so.

    Before I had insurance, back in the '80s, I had to pay the real (unisured) Doctor visit fee. My eyebrows would be way up.

    The Affordable Health care law starts in two months. How damn many videos of people w/o their copay (under the insurance plan that they already have) are we going to have to watch?

    I'll be keeping count.

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