What One Really Pays These Days toHave Health Insurance
For
the over 49 million Americans currently living in this country without health
insurance coverage, the
thought
of even being able to afford health insurance is something that most cannot
even envision.
With
the current state of the economy, many are more focused on making ends meet
than having the
luxury
of possessing health insurance coverage. And for the ones fortunate enough to
have health
insurance
coverage, being able to decipher as to what insurance benefits they truly are
eligible for is feat
in
itself.
Let’s
say for discussion purposes that one is suffering from headaches and neck pain
with radiating pain
and
decides to schedule an appointment with a physician. At this point in time,
they decide to call
Inline
Health & Wellness located in Ft. Lauderdale, Florida and schedule an
appointment to meet with
one
of the chiropractic physicians on staff. Prior to seeing the doctor, they would
like to know what
they
will be financially responsible for outside of what their insurance plan will
cover. When they
contact
their insurance company to determine what benefits they have under their
current health
insurance
plan, they are advised that they have a $3,000 deductible at which they
currently have not
satisfied
any portion of the deductable since this is their first visit to the physician
this year.
This
is where things my get confusing so one needs to really pay attention here and
read each sentence
slowly
and in its entirety. As per their insurance contract, they have a $3,000 yearly
deductable with 20
visits
to a chiropractor allowed per year; however, what the insurance company has
failed to disclose to
the
individual is that the maximum allowed reimbursement for chiropractic services
is $50 per visit. So,
this
translates in that if this person were to satisfy their $3,000 deductable, they
would have to receive
at
least 60 chiropractor visits. Obviously, this may be considered excessive
treatment that may not be
warranted,
but the point here is that basically the individual would be paying out of
pocket for every
visit
to the chiropractor without the insurance company ever paying a single penny.
When patients
learn
of this lack of, or “no insurance coverage”, they often question why they are
paying for insurance
in
the first place if the insurance company never pays for any of the treatment
they receive and they end
up
paying the entire bill.
Some
may think that this is not possible but unfortunately, this is happening more
and more these days.
This
may be especially attributed to the fact that the current unemployment rate
this country is just
over
8%. With unemployment rates so high, there are less people having insurance
coverage through
employment.
This reduction in employer sponsored insurance plans in turn means less
insurance
premiums
being paid to insurance companies so insurance companies are motivated to
increase the
policy
deductibles to satisfy the needs of employers and employees in an effort to
lower increasing
policy
premiums. However; in the end as demonstrated here, the only end result here is
those having
the
insurance not only paying the premiums but also paying all the doctor bills.
Dr.
Evan J. Slatkin has been in practice for over 16 years currently is the CEO of
Inline Health & Wellness
located
in Ft. Lauderdale, Florida where they offer chiropractic services, physical
therapy, acupuncture,
massage
therapy, skin aesthetics and hormone replacement therapy. Feel free to contact
Dr. Slatkin via
email at eslatkin@inlinehealthandwellness.com via telephone at (954) 491-4437 or visit us on the web at http://www.inlinehealthandwellness.com.
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