----- Original Message ----- From: "Erik Reuter" <[EMAIL PROTECTED]> To: "Killer Bs Discussion" <[email protected]> Sent: Sunday, February 20, 2005 10:09 AM Subject: Re: Medical costs
> * Dan Minette ([EMAIL PROTECTED]) wrote: > If combined with some sort of deductible, this makes a lot of sense. > Another way of putting it is that patients are responsible for paying > the bottom and top of the spectrum of costs, but that a third party > (insurance, government, hospital, etc.) takes care of the middle. There is one small variation on the deductabile idea that I have with my present plan, and that works. There are three levels of deductables for prescriptions. The first, and lowest, is for generic. It's $7.50 per month, or $15 for a mail order 3 month supply. The next is non-generic, at $25/month or $50 per 3 months. The third is a restricted non-generic, usually a newer higher priced non-generic drug that treats a condition that can be treated by other drugs...it's $50/month. or $100 per 3 months. I see my own behavior influenced by this. I get migraines. I can spend 33 dollars a month on the newest drug that doesn't make me sleepy or an older drug that does. I'm doing a cost benefit analaysis, deciding which one makes more sense for me. It's very reasonable for my insurance company to faciltate my particiapation in the cost-benefit analysis. This is one place, I think, where your ideas on health care are being implemented. Dan M. _______________________________________________ http://www.mccmedia.com/mailman/listinfo/brin-l
