In health management class I took last Spring for my MBA, we were perusing this website our Professor found for us: www.healthsherpa.com , where you can plug in your income numbers, your age/family size , without revealing any of the sensitive info (SS#, real income etc.) required for a real sign up at the now famous health exchanges.
This is all to see what Obamacare product you can buy, how much it will cost, what kinds of copay/co-insurance you're looking at etc.
Most Obamacare plans are quite restrictive, patients (insureds in insurance parlance) can only use a very narrow HMO style system, copays are high... ( I didn't know it before, but apparently there's an annual out of pocket limit on all of these Obamacare products, the max. being in the range of $12,500 per family/yr). The low-income earners do get some tax subsidies
I think it was a clever trick on the part of the government to "outsource" the uncompensated care costs onto the heads of the medical providers and hospitals, forcing them to chase after unpaid (and large) copays, coinsurances and deductibles.
"Stayin' alive" and afloat for an independent practitioner is becoming even tougher then.
This is all to see what Obamacare product you can buy, how much it will cost, what kinds of copay/co-insurance you're looking at etc.
Most Obamacare plans are quite restrictive, patients (insureds in insurance parlance) can only use a very narrow HMO style system, copays are high... ( I didn't know it before, but apparently there's an annual out of pocket limit on all of these Obamacare products, the max. being in the range of $12,500 per family/yr). The low-income earners do get some tax subsidies
I think it was a clever trick on the part of the government to "outsource" the uncompensated care costs onto the heads of the medical providers and hospitals, forcing them to chase after unpaid (and large) copays, coinsurances and deductibles.
"Stayin' alive" and afloat for an independent practitioner is becoming even tougher then.
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