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Thread: Patients Pay Before Seeing Doctor as Deductibles Spread

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    Patients Pay Before Seeing Doctor as Deductibles Spread

    The practice of upfront payment for non-emergency care has been spreading in the U.S. as deductibles rise. Now, the advent of the Patient Protection and Affordable Care Act is likely to accelerate that trend.

    Many of the plans offered through the law’s insurance exchanges have low initial premiums to attract customers, while carrying significant deductibles and other out-of-pocket cost sharing. The second-lowest tier of Obamacare plans in California, for example, carries a $2,000 annual deductible.

    Hospitals say they need to charge patients prior to treatment because Americans are increasingly on the hook for more of their own medical costs. And once care is provided, it’s often difficult for hospitals to collect.
    Patients Pay Before Seeing Doctor as Deductibles Spread - Bloomberg

    wasn't Obama care supposed to keep the uninsured from flocking to the emergency rooms for any little illness?
    Now it will be the insured and uninsured doing just that because they cant afford the deductibles and co-pay
    so there goes another liberal talking point down the drain

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by trfjr View Post
    Patients Pay Before Seeing Doctor as Deductibles Spread - Bloomberg

    wasn't Obama care supposed to keep the uninsured from flocking to the emergency rooms for any little illness?
    Now it will be the insured and uninsured doing just that because they cant afford the deductibles and co-pay
    so there goes another liberal talking point down the drain
    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.

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by trfjr View Post
    Patients Pay Before Seeing Doctor as Deductibles Spread - Bloomberg

    wasn't Obama care supposed to keep the uninsured from flocking to the emergency rooms for any little illness?
    Now it will be the insured and uninsured doing just that because they cant afford the deductibles and co-pay
    so there goes another liberal talking point down the drain
    I pay $30 at the HMO, and have for a couple of years now.
    That doesn't inspire me to go the the ER instead, no way.

    Health care is not free, never was, and never can be.
    "Donald Trump is a phony, a fraud... [he's] playing the American public for suckers." Mitt Romney

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    My mom just told me about this. Her new doctor she was forced to have because of Obama care demands payment upfront.

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by Dittohead not! View Post
    I pay $30 at the HMO, and have for a couple of years now.
    That doesn't inspire me to go the the ER instead, no way.

    Health care is not free, never was, and never can be.
    Yet if you suggest people actually pay anything for services you use, some are just aghast at the very idea.

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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.
    I think you misunderstand what's going to happen
    a mother takes her sick child to a family doctor the doctor says you need to pay your co-pay and or deductible up front before you can see the doctor like the article describes. And if the mother doesn't have either she will be forced to go to the emergency room. just like before Obama care, but now that mother is out the couple of hundred a month she was forced to spend on her premiums, and still has to take her child to the emergency room over a simple illness because she doesn't have the thousands needed to pay up front to cover the deductible
    Last edited by trfjr; 10-16-13 at 01:04 PM.

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by sawyerloggingon View Post
    My mom just told me about this. Her new doctor she was forced to have because of Obama care demands payment upfront.
    Since Obamacare doesn't start till Jan 2014 it can't be the fault of the ACA or Obama.
    jallman: "It's all good. At least you have a thick skin and can take being poked fun back at without crying. "

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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.
    when a hurricane is coming do you wait for it to get here before you prepare for it ?

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Pregnant couple had to SELL CAR, disconnect cable because of Obamacare…

    A pregnant couple in Michigan has had to sell their car and disconnect their cable because Obamacare is forcing them to pay another deductible in 2014. Normally their $5,000 deductible would expire next April, after they’ve had their first child. And they’ve already spent the $5,000 needed to fulfill that deductible. But thanks to Obamacare resetting everything in 2014, they will now be forced to come up with another deductible of $5,000 at the beginning of the new year and their pregnancy still won’t be covered 100% like it would have been under her current insurance.
    Pregnant couple had to SELL CAR, disconnect cable because of Obamacare… » The Right Scoop -





    stories like this are being told all over America by the thousands and it is just going to get worse as the time goes by

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    Re: Patients Pay Before Seeing Doctor as Deductibles Spread

    Quote Originally Posted by trfjr View Post
    when a hurricane is coming do you wait for it to get here before you prepare for it ?
    He didn't say there were plans to change, he said his mom was forced to change. That statement is impossible to have anything to do with ACA. It's more drama hype from drama queens. Just pointing it out.
    jallman: "It's all good. At least you have a thick skin and can take being poked fun back at without crying. "

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