Comes At a High Price
In Boston,
affordable health insurance may indeed be on the horizon, but not without a different kind of cost. Insurance advocates are worried that the low cost insurance that will soon be approved for the working poor will come with deductibles too high to make the coverage useful.
As the numbers of uninsured go up, more and more state officials are struggling to come up with a more affordable health insurance plan or alternative. This is compounded by the fact that outrageous premiums are making it difficult for even the middle class to afford insurance, let alone the working poor.
At the
southcoasttoday.com, the new plan is laid out to readers: "Gov. Deval Patrick and private insurers proudly announced over the weekend that they had met their goal of developing affordable health insurance plans with premiums under $200 a month."
But these plans have hidden costs, including deductibles that could run as high as $2,000 per individual, and up to $4,000 for families.
How, then, are the working poor supposed to go to their doctor's appointments when they must pay such high deductibles? Many will struggle with the $200 a month for premiums, let alone $2000 for prescription drugs and doctor's appointments.
In short, where is the affordable part supposed to come in?
One solution might be that patients are allowed up to 3 doctor's visits per year
before deductibles kick in. Another idea is to cap all out-of-pocket expenses at $5,000.
Facts on:
Affordable Health Insurance
Did you know...
More and more state officials are struggling to come up with a more affordable health insurance plan?
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Just by getting regular check-ups, healthcare costs could go down as people are educated about their health and what it takes to protect it.
These steps would allow consumers to receive the check ups and exams they need to stay healthy, and make Boston's
affordable health insurance a little more affordable.
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