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Politics : Formerly About Advanced Micro Devices -- Ignore unavailable to you. Want to Upgrade?

To: Alighieri who wrote (868358)	6/26/2015 9:04:15 PM
From: Broken_Clock	Respond to of 1578295

Health care is not discretionary another lie. of course it is. dailykos.com and that's from dkos, a more pro Obummercare site you could not find "But many people haven't faced health insurance deductibles before and unlike car insurance deductibles, deductibles for health care operate in conjunction with the patients' other financial obligations within the policy. So I'll go into the whys and what-ifs to get everybody up to speed as they need to be in order to choose a good health insurance plan under the ACA. If you need care beyond the free preventive stuff included in every Health Plan sold on the (State or Federal) Exchanges, you might reasonably expect your health insurance plan is going to pay for it. That's the point of having insurance, isn't it? But partly as a cost-containment device, and partly because they discovered they could get away with it, insurance companies started to move the threshold where they would begin to pay for your benefits farther away from the first bill they got for your care. The theory was that if the patient had some front-end financial skin in the game (I know, a scary metaphor!), they would be less eager to seek care for things that didn't really need it in the first place. (That's the "cost containment" part.) The notion was that most people were spending unnecessary time hanging out in doctors' waiting rooms and were thrilled to have more tests performed on them, all on the insurance company's dime. Refusing to spend that dime until it howls in pain is what makes health insurance profitable, indeed, very profitable." "Health insurance isn't like other consumer products where rising prices will squash demand and exert a countervailing downward pressure on prices. Insurance companies quickly found that they could raise the deductible threshold beyond the level of an over-use-discouraging-bump, to something much, much larger that operated as a full-size barrier to getting any care at all if it was set high enough relative to their clients' ability to pay the deductible. (That is the "they found they could get away away with it" part.)"