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High deductible just means that you have to pay upfront for preventive care — like flu shots, bacterial checkups, and annual physicals. We pay out of pocket for
by bhupy 6y ago
High deductible just means that you have to pay upfront for preventive care — like flu shots, bacterial checkups, and annual physicals. We pay out of pocket for tons of things, like food, clothing, and utilities. Insofar as this is undesirable, it's probably because the pricing system is impaired.
If you have a financially ruinous healthcare event, the ACA silver plan saves you — that's the whole point of insurance.
- brianwawok 6y agoAnnual physicals and flu shots are generally (possible ACA mandate?) free with no deductible. Maybe bad example choices?
- bhupy 6y agoThat's all the more reason why the higher deductible isn't inherently a bad thing, even most of the basic needs are covered. Outside of that, it's just catastrophic coverage, just like car insurance.
- taurath 6y agoNo it doesn’t. If you go in with a cold, they check your temperature and give you some Tylenol you get charged $600 out of your pocket, until you meet the deductible. It’s the preventative care stuff that is /sometimes/ not counting against the deductible. Also literally any surgery is a financially ruinous healthcare event insured or not until you’re rich relative to the average person - I have the receipts of the tens of thousands of dollars of medical bills I’ve had to pay while insured to prove it.