Low monthly premiums tend to come with higher deductibles or co-payments to doctors and hospitals.
The tax-free dollars can also go for insurance co-payments, eyeglasses and other out-of-pocket health costs.
That means co-payments, deductibles, or other dental and medical expenses your insurance didn't cover.
Low-premium plans often have higher prescription co-payments and could end up being more expensive.
In fact, under this law, Americans on Medicare will receive free preventive care without co-payments and deductibles.
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But the insurance comes with co-payments, and since Jeff gets a lot of care, the co-payments add up.
The federal law does not prohibit insurance plans that demand larger co-payments for psychiatrists' bills than for surgeons' bills.
Preventive care, such as some types of cancer screening, will be free of co-payments or deductibles starting in 2010.
More coverage means more spending, and spending not covered by co-payments and deductibles has to be paid out of premiums.
But many healthy people will find that the premiums, co-payments, and deductibles they are facing will make this insurance very unattractive.
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By statute, they can't "ration" care or increase premiums, deductibles or co-payments.
But even if covered, people have to make large co-payments, which for the elderly and those with serious health problems can be crippling.
Shopping around at different hospitals before you have an expensive procedure can save you thousands of dollars when it comes time to pay co-payments.
And some people who receive subsidies may still find that the total cost of insurance, including co-payments and deductibles, to be either unaffordable or undesirable.
Low monthly premiums tend to come with higher deductibles or co-payments.
The man, dealing with higher co-payments on a fixed income, had cut back to filling only half his medication prescriptions for his high cholesterol and diabetes.
The move would strip police officers, teachers, and other municipal workers of their bargaining rights over changes made to healthcare benefits, including premiums, co-payments and other benefits.
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But something happens when you get a cold, or worse, and are plunged into the black hole of co-payments, insurance claims, preset doctor lists, HMOs, PPOs--and utter dysfunction.
Apparently, Merck-Medco accounted for sales in a way that booked co-payments that consumers pay to pharmacies as revenue for Merck, and then booked an equivalent amount as costs.
After the backlash against managed care, it is now seeking to delegate more responsibility to individual consumers, mainly through plans with more cost-sharing by way of higher co-payments.
He also wants modest increases in beneficiary contributions: co-payments are to be introduced for certain laboratory tests and deductibles for doctor visits are to be indexed to inflation.
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Instead of reducing costs or expenditures that might affect employers, the health reform law mandates new and expanded benefits, including some that must be provided without co-payments and deductibles.
Through the Affordable Care Act, women in many health plans will have access to domestic violence screening and counseling as a preventative service without co-payments, deductibles or other cost-sharing.
The worst part was arguing with the insurance company because he wanted to go to the hospital in Miami and not Fort Lauderdale, and worrying that he couldn't make the co-payments on his treatment.
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Health care costs also include payments to cover deductibles (the amount you pay for treatment before the insurance kicks in) and co-payments to doctors and hospitals--meaning that the overall health bill takes an even bigger bite.
In a consumer-directed-health plan, employees can set aside their own money in an account though often times the employer provides a match or a certain amount for the worker to use toward their deductibles and co-payments.
Health-care costs also include payments to cover deductibles (the amount you pay for treatment before the insurance kicks in) and co-payments to doctors and hospitals--meaning that the overall health bill takes an even bigger bite out of household income.
And I want seniors to know, despite what some have said, these reforms will not cut your guaranteed benefits. (Applause.) In fact, under this law, Americans on Medicare will receive free preventive care without co-payments or deductibles.
And even those parents who qualified and made it off the wait lists may have had it bad: in nearly a fifth of all states, families had to pay a higher percentage of their income in co-payments than they did last year.
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