Advantages And Disadvantages Of High-Deductibles

The article, “How physicians can deal with high-deductible plans: understand the clinical and legal risks surrounding these plans that require patients to pay more up front,” by Charlotte Huff seeks to address how high deductible plans have become a big burden in the health industry due to the Affordable Care Act (ACA). These deductibles are causing many people and patients to not seek medical attention when needed. The first important part in the article provides detailed explanations to why people aren’t seeking professional medical help. The deductibles give a finical disadvantage that turns patients away from hospital care. The author states that more than a fourth of patients are proceeding to skip medical tests because of the struggle

The second part in this article presents the idea of negotiating deductibles that cause discouragement from moving forward with a process. This negotiating relies on clients signing papers, referring to funded programs and charitable institutions to assist with the cost of deductibles. Huff represents this fact that doctors should give reasons to the need of medical attention and what the patient needs to do in order to encourage clients to proceed with routine check-ups or what is needed for necessary care. Third and finally important part from this article explains the entry of malpractice due to the deductibles in the ACA. In fact there are patients and consumers who are covered before reaching high-deductibles. Although this is true consumers who don’t meet this standard tend to just skip everything entirely causing a malpractice with the doctor cause it undermines the the care of the patient at hand. All of these parts are important in explaining the cause of high-deductibles of the

The result of high-deductibles doesn’t ensure a positive future of health care. It creates a sense of decrease, not the rise of medical attention. Numbers may drop of patients insisting on proper medical attention because they just can’t afford to accept the price. The future of health care would have a down hill slide causing numbers in health care to drop. The ACA hasn’t helped the future of health care in the sense of high-deductibles; high-deductibles may start to destroy the presence of new patients in hospitals. Generally speaking high-deductibles will possibly ruin the future of health care for those less fortunate to afford the proper care to be