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It's random from a user experience perspective. There are many times when a practice will quote you a much higher cash price just because you don't have an ins
by rolltiide 7y ago
It's random from a user experience perspective.
There are many times when a practice will quote you a much higher cash price just because you don't have an insurance company negotiating for you.
I have privileged foreign friends with private "worldwide insurance" from a European provider, but it is just a reimbursement scheme. So they appear uninsured to American providers and have to float potentially extremely large costs which might not actually get reimbursed.
And then things like birth control aren't insured by their "worldwide insurance" nor some dental work deemed cosmetic, and these people aren't surprised their great "worldwide insurance" doesn't cover those things because their state run insurance wouldn't cover those things either, but confused why the cost is so high in America.
I have to tell them that "privileged" people in America don't pay those costs, and explain to them how dangerous or ill-advised acting uninsured in America is.
- nonbel 7y ago> things like birth control aren't insured Why would you use insurance for something you know you are going to need? I got new glasses and an eye exam and they were surprised I didn't pay via insurance? Why would I want to pay extra to insure for something I know I will need to get? This makes no sense at all.
- rolltiide 7y agoprivileged people have the option of using pre-tax + employer funded FSA/HSA accounts, where a wide array of hygienic purchases, medical purchases and even copays can be paid for and further subsidized. These are part of your overall “insurance package”, in conversation this is typically called being insured with no regard to whether an insurance company is actually picking up the tab.
- nonbel 7y agoWouldn't the "privileged" prefer to have actual money they could spend as they want instead of be forced to use it for a single purpose, including the extra cost of a middle man? It sounds like some sort of tax scam.
- rolltiide 7y agoThe pre-tax portion naturally comes out of the part of your paycheck you otherwise wouldn't be able to use at all. The level of discount would therefore be linked to your marginal income tax level, alongside how much your employer contributes to it. The max a person can contribute to these in 2019 is $3,500 and $7,000 for family. It is a privilege extended by the federal government.