3 ms·
The marginal cost of a cup of coffee is basically nil but I don’t expect a free cup every day from Starbucks.
by jahewson 4y ago
The marginal cost of a cup of coffee is basically nil but I don’t expect a free cup every day from Starbucks.
- ceejayoz 4y agoOther way around. Starbucks gives you the first cup free, because it means the rest of your cups that year are free to you - you've hit your deductible and soon after your out-of-pocket max - but Starbucks gets to charge insurance $500/cup for them. If they didn't have the program, no one would pay the first $500 because it's out of pocket, and Starbucks gets nothing. By forgoing the first $500 of revenue they get the rest.
- sokoloff 4y agoHow do I hit my deductible if I didn’t pay for the first dose?
- ceejayoz 4y agoBecause in most states, the value of the coupon counts towards your deductible. (By law in some, by standard practice in others.) https://www.ncsl.org/research/health/copayment-adjustment-programs.aspx https://www.ncsl.org/research/health/copayment-adjustment-pr...