Word: out-of-pocket
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...plans substantially above the national average (which is about $13,000 for a family of four) are state employees and union members. It's true that the few Wall Street and other Fortune 500 executives have gold-plated plans that pay for any doctor or specialist, require no out-of-pocket expenses and tack on perks like nutrition counseling. But the vast majority of Cadillac plans are those that typically offer consumers relatively low co-pays for doctor visits and generic and name-brand prescription drugs and preset and relatively affordable out-of-pocket costs for expenses like hospitalizations. Leaner...
...more efficient health-care plans. In turn, they bear health-care costs that, while they might seem high in places like New York City (which is second behind Miami in the Milliman Index), are usually more in line with what residents can afford and require relatively less out-of-pocket contributions. Locales like Miami, by contrast, often offer residents "less access to [health] benefits packages with lower cost-sharing," says Kathleen Stoll, deputy executive director of Families USA in Washington. "Where you have lower income, it tends to follow, unfortunately, that you also have higher out-of-pocket expenditure...
...covered. But it's a smart way to drum up business among the still employed. All a family has to do to be eligible for this safety-net program is to have used a Walgreens' Take Care clinic since the in-store chain opened in 2005. Average out-of-pocket cost...
...talk about health-care reform, we usually start with the problem of the roughly 45 million (and rising) uninsured Americans who have no health coverage at all. But Pat represents the shadow problem facing an additional 25 million people who spend more than 10% of their income on out-of-pocket medical costs. They are the underinsured, who may be all the more vulnerable because, until a health catastrophe hits, they're often blind to the danger they're in. In a 2005 Harvard University study of more than 1,700 bankruptcies across the country, researchers found that medical problems...
...attend five key annual preventive-health checkups, including an eye exam and a foot exam. Within eight months of the program's launch in 2008, about half of Amica's diabetic employees were enrolled. It was a win-win situation: members had saved nearly $35,000 in out-of-pocket expenses, and Amica's health-care costs on compliant members dropped 50% within a year. Best of all, unlike the nonparticipants, not one of the compliant members had landed in the hospital...