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Posts Tagged ‘Exams’

High Deductible Health Plans Increasingly Common

November 9th, 10

Looking to cut costs on insurance? More Americans are turning to high deductible insurance plans as a way to reduce costs. According to the Los Angeles Times, doctors worry that this means many people will skip routine exams that won’t be covered by these policies. Those routine doctor visits can often help catch serious ailments sooner. According to statistics, the number of employees with deductibles of at least $1,000 has tripled over the last four years to roughly 20 million people.

Those with high deductibles often skip preventive procedures including:

  • Colonoscopies
  • Blood Tests
  • Skin Checks
  • Annual Exams
  • Physicals

According to the LA Times, UCLA’s Center for Health Policy Research recently found that one out of six Californians with high deductible plans held off seeing doctors because of the cost. “They are more likely to end up in emergency rooms or hospitals because they are delaying more appropriate preventive care,” Dylan Roby, a researcher with the UCLA center, told the LA Times.

Research shows that smaller companies, those with 200 employees or less, have increasingly moved to high-deductible plans for employees. The number has tripled to 11.7 million, according to the and the Health Research & Educational Trust. “The way employers have been dealing with cost is by moving to less comprehensive, flimsier coverage with higher deductibles because it costs them less,” Kaiser foundation President Drew Altman told the LA Times. “That’s why workers have never been more upset about their own healthcare costs. The share they pay out of their pockets has been going up mostly because more people are in high-deductible plans.”

Tags: preventive care, Exams, UCLA, health policy research, doctor, Kaiser Family Foundation