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If you have a JOB and you live in the states chances are you might hear about this soon if not already. If you live outside the states, sit down for a spell and comment. Consumer Driven Health Plan is usually just a catch-all for high deductible health Insurance plans + some form of co-insurance + health savings accounts. All in all it's a cheaper monthly payment usually, maybe half. Proponents say it will drive down the cost of health care because consumers will be savvy on how they spend their own money so places will have to be transparent and have to compete. Opponents say capitalism won't work for healthcare and it's the wrong direction. So basically we're talking about the old system where You pay like 140-200 a month if you work, employer pays also. Usually there's no deductible. But you might pay 20 dollars if you go to the doctor, 50 for a specialist, 500 for a hospital stay, and so on. Mostly everything else is covered. vs You pay less per month. Pocket the difference or put it into a tax-advantaged health savings account. Preventive care is covered, all other care you're liable up to a high deductible, maybe 1500 or 2000. After that co-insurance kicks in, where you might be liable for 10-20% of the cost of care. After like $3000-5000 per year insurance pays the rest. Your employer might try to put a few hundred into your HSA to convince you to switch. For me, it might make sense. I'm not super unhealthy. And my dental coverage sucks, and that's where I have the most issues. My own thoughts, yeah it might work if the government isn't going to iron fist socialism to control the cost of healthcare. It's somewhat unfair to somewhat sickly people. If you're really sick it is probably OK because you're probably paying copays out the rear end. Short term it kinda hurts because HSA is empty and costs of healthcare haven't magically been driven down yet. SSH IT ZOMBIE fucked around with this message at 03:10 on Nov 15, 2015 |
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Nov 15, 2015 03:08
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| # ? Apr 25, 2024 02:21 |
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I'm not sure how it will work for sadbrain people. Might be that they don't want to spend the money since they aren't dying at least.
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Nov 15, 2015 03:09
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i had a HDHP in case i got cancer or injured or something but otherwise i never go to the doctor
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Nov 15, 2015 03:14
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They are pushing this at my company and they are shocked employees are pushing back. Right now, I have to get "prior authorization" on a nasal spray that I was prescribed a year before. The year before that, I was on generic nasonex. It took almost two weeks for them to run through the paperwork that my doctor sent twice to them that basically said "hey dumbasses, look at the prescription history, he already took the tier 1 drugs and it wasn't working." What I'm saying is these CDHP plans are going to work out well.
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Nov 15, 2015 03:16
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I got me some HD insurance thru Obamacare
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Nov 15, 2015 03:20
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| # ? Apr 25, 2024 02:21 |
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I was hoping to remain, young, healthy and part of the problem, but this year I will buy a plan off the market place with a subsidy, so the system works i guess, totez got me to participate, sucks about my videogame money though.
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Nov 15, 2015 03:57
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