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Care before the deductible is met will be more affordable, because insurance companies will negotiate lower rates with providers.
by Uvix 2y ago
Care before the deductible is met will be more affordable, because insurance companies will negotiate lower rates with providers.
- viraptor 2y agoThey can negotiate any price they want at any point. That means pre-deductible price can stay high, but afterwards the provider pay is low and the insurer profits are high. The accounting has enough slack in the way billing's done that it can be achieved in many ways. That change has no benefit at all for the insured (unless you assume the insurer cares about them...)