My Health Insurance Just Ain’t What It Used To Be…
As I’ve already said a hundred times, it ain’t about the costs. It’s about the charges. For health care, I mean.
“So what?” you may ask. “Who cares about charges? I have health insurance. I just give them my co-pay and my insurance takes care of the rest.”
Not so fast. That may have been the way it was a few years ago but chances are, not anymore. And if this is the way you approach your health benefits, the chances are even greater that you’ll be in for some sticker shock the next time you need a little health “care.”
A health insurance policy means much more than just premiums, co-pays, and deductibles. But most people don’t know the details of their health insurance benefits. Do you? What is your deductible? How much of it have you met for this year? Do you have co-insurance?
Try this: if you can find it, get out your health insurance policy and click here to see the Dartmouth-Hitchcock Hospital’s list of charges for diagnostic tests.
See that little calculator that says “(Click on the calculator to find out more about how much you will owe)?” Well, click away and start plugging in your policy information. You might be surprised.
Now, back to those “costs” of health care. How did they get to be so outrageous, anyway?
It’s not the COSTS of health care that are outrageous…it’s the CHARGES.