Word: out-of-pocket
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...important, but so is the right of doctors to charge above the standard fee when they see fit. Having abandoned plans to euthanize it, the Coalition is shaping Medicare as less a universal program than a safety net for lowish-income families, who receive an 80% discount on out-of-pocket medical bills exceeding $A300 a year. (For higher income families, the discount kicks in at $A700...
...based on a percentage of your home's value, usually 1% to 5%, instead of a flat $500 or $1,000 deductible. So, for example, if you have insured a $300,000 house that has a 2% deductible up front for any qualifying wind event, your out-of-pocket expenses would come...
...MSAs they replace, HSAs may be most attractive to Americans who have had difficulty getting insurance, especially those with chronic illnesses, who are more likely to have high premiums. Those premiums are lower for policies with higher deductibles, and the HSA lets you save for such costs and out-of-pocket expenses. "You don't have to fight with the insurance company or HMO to get treatment," says Brian McManus of Golden Rule, a leading HSA insurer. When you use HSA money, he adds, "you decide what doctor to go to." But long-term benefits may still accrue to only...
...Affairs, the largest increase in 11 years) and employers tighten their coverage to cut costs, consumers have grown more resentful of what they are paying at the drugstore. While prescriptions represented only 10.5% of total health-care costs in the U.S. in 2002, they amounted to 23% of out-of-pocket costs for the consumer...
...prescription, and Kennedy has argued that even such a modest amount can be a burden. Ten states currently exempt their poorest seniors from paying for drugs at all. According to a report released by Kennedy's staff, these 6 million beneficiaries "will be worse off. Their out-of-pocket expenses will be higher, and their access to needed drugs will be reduced...