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HDPs can also have unintended side effects like patients delaying getting screenings until conditions are much worse (and more expensive to treat).
by organsnyder 8y ago
HDPs can also have unintended side effects like patients delaying getting screenings until conditions are much worse (and more expensive to treat).
- gowld 8y agoWhy? HDPs aren't required to charge for screenings, any more than HMOd or PPOs are.
- organsnyder 8y agoYes, many screenings are covered 100% with no deductible. But if I think I'm having a stroke and call an ambulance, I'm responsible for the cost up to the deductible (I just checked my own HDP coverage to verify this). This wouldn't factor into my decision, but I'm fairly affluent (and my family actually maxes our deductible each year because of various chronic conditions). Someone that is in a different financial decision will absolutely be thinking of the cost of calling an ambulance (or going to the ER). Of course, if someone dies from a stroke rather than being treated and surviving, the result is lower healthcare expenditures (yes, that's morbid; but we also need to think about the incentives built-in to our healthcare system).