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Now, there is only one company left in my state that will even offer plans in the private market. The closest plan to what I used to have has gone up ~6x in price and the deductible has tripled.
The prices started going up immediately after the ACA came into being I think the cause and effect are pretty clear.
Earlier quoted context omitted.
Just give consumers access to a price list before service is provided. That will go a long way towards helping the problem. (Not that you are going to price shop for every service--a trip to the emergency room for a broken bone wonte get shopped--but some portion of health Care is discretionary or is deliberate enough it can be shopped.)
Price lists and comparisons are available for health insurance plans. That hasn't stopped premiums and deductibles from rising to the point of popular furor.
I have $6,500 deductable. It's insane how much work I need to do to get healthcare. The biggest issue is price transparency. To get a price, I need the tax-id of the medical office and the procedure code. Often times the procedure code is unknown because I might have any number of different procedures, depending on what the diagnosis is. So, I take my list of codes to the health insurance company with the tax ID and…
I have $6,500 deductable. It's insane how much work I need to do to get healthcare. The biggest issue is price transparency. To get a price, I need the tax-id of the medical office and the procedure code. Often times the procedure code is unknown because I might have any number of different procedures, depending on what the diagnosis is. So, I take my list of codes to the health insurance company with the tax ID and…
Earlier quoted context omitted.
Price lists and comparisons are available for health insurance plans. That hasn't stopped premiums and deductibles from rising to the point of popular furor.
Where are these lists?
Earlier quoted context omitted.
Price lists and comparisons are available for health insurance plans. That hasn't stopped premiums and deductibles from rising to the point of popular furor.
Where are these lists?
Visit healthcare.gov and navigate to your state marketplace. They typically provide a detailed price comparison based on several adjustable factors (expected income, expected visits, number of medications, etc).
If readily available and detailed price comparison tools haven't stopped health insurance deductibles from tripling in the past year[1], why should we expect price comparison tools at the point of healthcare service to reduce costs?
[1]https://www.latimes.com/politics/la-na-pol-health-insurance-...
The only people I know who like their health insurance are union members, government employees, and people on Medicare or medicaid.
I have $6,500 deductable. It's insane how much work I need to do to get healthcare. The biggest issue is price transparency. To get a price, I need the tax-id of the medical office and the procedure code. Often times the procedure code is unknown because I might have any number of different procedures, depending on what the diagnosis is. So, I take my list of codes to the health insurance company with the tax ID and…
The most insulting part was after all this when the insurance "customer service" guy said to me, "We know what it's like to be unsure of your finances." What? I'm sure about my finances. You aren't -- you can't even tell me the price!