4 ms·
If you think high deductible encourages overuse, what kind of behavior do you think zero deductible encourages?
by toasterlovin 9y ago
If you think high deductible encourages overuse, what kind of behavior do you think zero deductible encourages?
- pcurve 9y agoI'm not advocating zero cost sharing. I'm in favor of percentage based cost sharing (vs. copay), along with prenegotiated fixed rate for costly procedures.
- EADGBE 9y agoIf you're not paying for it in the backend (zero deductible) you're paying for it in the frontend (high premium). Vis-a-vis.
- toasterlovin 9y agoIf you're conscientious about health care utilization it's worse than that, though. If you have a zero deductible policy, you're priced based on the typical health care utilization of somebody on a zero deductible plan. Since people on zero deductible plans probably utilize more health care than people who are not, you're paying for high utilization whether you use it or not. IMO, it's probably better for most people to be on a high deductible plan and then just be judicious about going to the doctor.
- maxerickson 9y agoCo pays can address the utilization problem, at least to some extent. That way you have a reason not to go in for every little thing but don't get slammed by a big bill from a specialist.