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View Diary: Justin Amash (R) gets Town Hall question: "Why would we want to trust insurance companies...?" (170 comments)

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  •  You'll still have to price shop (8+ / 0-)

    if you are on a California Bronze or Silver plan

    [and good luck trying]

    "High cost and infrequent
    services like Hospital Care and
    Outpatient Surgery
    "

    Bronze plan "co-pay":
    "30% of your plan’s
    negotiated rate
    "

    Silver plan "co-pay"
    "20% of your plan’s
    negotiated rate
    "

    http://www.coveredca.com/...

    These "co-pays" are actually co-insurance which are legally frowned upon by the PPACA but apparently are legally permitted.

    Bear in mind that these "co-pays" will normally be demanded to be paid in advance by a hospital unless the hospital is required by the EMTALA to treat you.

    A 30% "co-pay" on a $20,000 hospital appendectomy bill is $6,000.

    A 20% "co-pay" on a $20,000 hospital appendectomy bill is $4,000.

    Have your VISA/MasterCard/checkbook handy.

    Since an inflamed appendix might kill you, the hospital will probably extort what it can and treat you, but if your back is hurting real bad opiates will be your best friends.

    The PPACA envisioned one pricing scheme for each hospital for all patients and all insurers, but apparently the old negotiated rate stuff will still be allowed.

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