I was talking with a colleague and explaining to her about insured and uninsured. It dawned me that PEOPLE paying out of pocket whether insured or uninsured. What’s the advantage? Don’t agree – let me break it down.
People who are uninsured would pay out of pocket to go to the doctor, get xrays, dental visits or whatever medical service they.
People who are insured are paying a monthly premium and then they have a DEDUCTIBLE they have to meet. The deductible doesn’t have to be all paid at once, yet it does have to be paid BEFORE their health benefits kick in. So consequently, they are paying out of pocket also for their medical services, dental, etc.
Many times people will not even reach their deductible in a year unless something major happens. Furthermore, the out of pocket cap for an individual is $6,600 and for a family it is $13,200. Really? Who has that kind of money sitting around where they have the luxury to go to the doctor on a whim and pay this money over and over again.
Another aspect of it is this once people reach their deductible, then their benefits kick in and it is not even covered 100%. The most that is covered is 90% and it comes with a hefty price. Mind you all states don’t even have four plans. People have to go with what is most economical for them and meets their needs.
We’ve also heard from different people how they can’t afford to go to the doctor due to the out of pocket costs. If a person has health insurance (thinking they were doing the right thing so they wouldn’t be penalized); yet they can’t afford to go to the doctor – what does this person have?
Not access to healthcare!! Doesn’t this seem to defeat the purpose of having insurance… weigh in.