4 ms·
Deductibles have shot up as well. Long details short, I have a $30,000 deductible when a pre-ACA plan had a 3-digit deductible. I'm covered, but the ceiling is
by ctdonath 10y ago
Deductibles have shot up as well. Long details short, I have a $30,000 deductible when a pre-ACA plan had a 3-digit deductible. I'm covered, but the ceiling is unreachably high.
Costs have gone way up; they've just re-arranged where the money comes from, and punish you for not putting more money into the system.
Ensuring everyone is covered by making it illegal to not be covered is not an acceptable solution.
- bduerst 10y agoThat doesn't make sense, are you sure you're not being scammed? Maximum out of pocket for a family on an ACA bronze plan is $14,300, including drug costs.
- fooey 10y agoYeah, that's not true. There is no legal way for a deductible to be that high http://obamacarefacts.com/health-insurance/deductible/ http://obamacarefacts.com/health-insurance/deductible/ > The maximum deductible is equal to the maximum-out-of-pocket limit each year ($7,150 for an individual and $14,300 for a family for 2017).
- bzbarsky 10y ago> There is no legal way for a deductible to be that high That's the theory. As I noted in https://news.ycombinator.com/item?id=13393287 https://news.ycombinator.com/item?id=13393287 experiment suggests otherwise for the out-of-pocket limit, at least....
- maxerickson 10y agoIf you click details and click through to the provider summary: https://content.carefirst.com/sbc/APHMMN5DRXCMMN5MN012017.pdf https://content.carefirst.com/sbc/APHMMN5DRXCMMN5MN012017.pd... The explanation is "it's a typo". Medical and Prescription Drug combined: $6,550 individual/$13,100 family for In-Network Providers; $13,100 individual/$26,200 family for Out-of-Network Providers.
- ctdonath 10y ago$26,200 is a typo? or correct? Awful close to my approximation of $30k.
- maxerickson 10y agoIt's not all that close. It's also an out of network, out of pocket maximum, not a deductible. Eliminating networks is certainly something the US should do if it wants to do more than pretend that people have good access to healthcare.
- ctdonath 10y agoWhen you're undergoing short-notice heart surgery (trust me), it's very easy to rack up out-of-network costs fast.
- smileysteve 10y agoAll emergency services are considered in-network billing though?
- bzbarsky 10y agoEmergency services can't have higher copays or coinsurance for in-network vs out-of-network. But the out-of-network deductible can still apply, as far as I can tell. So can the out-of-network out-of-pocket maximum.
- bduerst 10y agoWhat was your out-of-network out of pocket maximum before ACA? You've also confused deductible with out of pocket in your original post, on top of rounding up by 15%.
- bzbarsky 10y agoAh, that explains it. Thank you.