Doctors may refuse to dispense needed care before the payment go to my blog is made, even as a patient’s health hangs in the balance. The strategy leaves patients financially vulnerable, too. Once a charge is on a patient’s credit card, they may have trouble contesting a medical bill. Likewise, a service placed on a credit card represents a consumer’s commitment that the charge was justified, so nonpayment is more likely to harm a credit score. Related: Obamacare chaos: Insurers may flee before new plan is in “For providers, there’s more risk with these see here higher deductibles, because the chance of being able to collect it later diminishes,” Gundling said. The higher their deductible, the less likely patients are to pay what they owe, according to an analysis of 400,000 claims by the Advisory Board, a health care research and consulting firm. While more than two-thirds of patients with a deductible of less than $1,000 were likely to pay at least some portion of what they owe, just 36% of those with deductibles of more than $5,000 did so, the analysis found. Boxley pays $110 a month for her family plan. She could not afford the premiums on plans with lower deductibles that her employer offered. She plans to talk with the doctor and hospital about setting up a payment plan so she can get the surgery in January.
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