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Thread: Patients Pay Before Seeing Doctor as Deductibles Spread

  1. #61
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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by trfjr View Post
    cant get blood out of a turnip. if people don't have the foresight to pay 30 dollars upfront do you think they are concerned about 1500 they are asked to pay later
    No, but you can get the turnip juice you were after in the first place by squeezing the thing. And you betcha most folks are concerned about the $1500 they now owe. They just feel they have no other alternative than to go further in debt at that point. And no asking is involved. They make a legal promise and then comes the demand for payment and all that normally ensues when one refuses such demand (liens, garnishments, collection agencies and the end of your credit rating forever). But that's not the issue.

    The issue is that because they are without the resources to pay the $30 upfront and letting the insurance do the rest, they resort to the immediacy of the emergency room which will require they pay up to their entire deductible ($1500 for this example sake). Like a modified Wimpy, "I'll pay you for 100 hamburgers on Tuesday for a hamburger today".

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by Dickieboy View Post
    No, you are correct but the point of the post was different. There seems to be a belief that with PPACA all anyone has to do is pay a premium (possibly with assistance of subsidy) and all is good. 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.

    Yes it has always been my experience that both co-pays and deductible be paid (or at least arranged for payment) prior to non-emergency services.
    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.

  3. #63
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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 what else is new. If we wanted to solve most of our current problems we would have universal health care.
    Honestly, I was willing to try that here (UHC), even though I doubted it would work. However, you can thank Obama for taking that off the table entirely. Part of the agreement he made with insurance execs in trade for their support of the legislation.

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by clownboy View Post
    Honestly, I was willing to try that here (UHC), even though I doubted it would work. However, you can thank Obama for taking that off the table entirely. Part of the agreement he made with insurance execs in trade for their support of the legislation.
    I don't think anyone is entirely happy with PPACA, it's just meant to be better than what came before it. At least it expands coverage to 16 million more people (so I read), and eliminates cutting people off for pre-existing conditions as well as eliminating kicking people off for getting sick, all real problems.

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    The second-lowest tier of Obamacare plans in California, for example, carries a $2,000 annual deductible.
    Boo-hoo-hoo. The lowest premium plan offered through my employer has had a $2,500 deductible since before the ACA came into existence. What are people expecting? These are plans offered by private sector insurance companies.

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by Summerwind View Post
    Since Obamacare doesn't start till Jan 2014 it can't be the fault of the ACA or Obama.
    I had a thread on this a while back. My mom and dad both retired from IBM and are losing their old insurance due to Obama care. Her old doc won't accept medicare patients at all and the new one demands they pay the deductible up front and she will soon be on medicare instead of Kaiser. Thanks Obama.

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by Cardinal View Post
    I don't think anyone is entirely happy with PPACA, it's just meant to be better than what came before it. At least it expands coverage to 16 million more people (so I read), and eliminates cutting people off for pre-existing conditions as well as eliminating kicking people off for getting sick, all real problems.
    and those 16 million are sure lining up in droves to be covered aren't they? they need 7 million to sign up before Dec 15 otherwise Obama care is a bust

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by sawyerloggingon View Post
    I had a thread on this a while back. My mom and dad both retired from IBM and are losing their old insurance due to Obama care. Her old doc won't accept medicare patients at all and the new one demands they pay the deductible up front and she will soon be on medicare instead of Kaiser. Thanks Obama.
    Am I to assume that the "thanks Obama" comment was poking fun at those who blame everything on Obama? Because IBM has been screwing their employees for over twenty years now.

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by trfjr View Post
    and those 16 million are sure lining up in droves to be covered aren't they? they need 7 million to sign up before Dec 15 otherwise Obama care is a bust
    Way too early to say. Arriving at a conclusion right now is moronic.

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Paying before seeing the doctor is nothing new. It's been going on for a long time and has nothing to do with the ACA. Go to any walk-in clinic in a high transition area, and you'll almost always pay the copay first (or whatever you have to pay). They have to do this because so many people come in, see the doctor and then be like, "Oops, I don't have my copay today! Can I pay it next week?" and then next week never comes.

    Nothing new here.
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