Posted on 08/20/2019 8:01:39 AM PDT by MarvinStinson
Exactly. Employer insurance was started as a perk to replace cash compensation.
Free lollies!!! It might be a case of knowing the doctor is very familiar with your history combined with the ordeal of finding a new primary care doctor.
“thanks to the Affordable Care Act, on their parents’ health insurance until age 26.”
The parents should be required to take their kids to the pediatrician and wait there while the 26 yo tyke is being seen.
No, FORCING you to buy insurance through your employer should be illegal.
Also, there was this:
"We're now treating people for adult diseases, things we weren't trained to treat," she says, such as adult hypertension, Type 2 diabetes, high cholesterol, pregnancy, even depression and anxiety. If she encounters something she can't handle, Alfonzo says she will refer the patient to a specialist.
I think the pediatricians should simply refuse to treat people after a certain age. I guess the doctors in question are surprised that the patients could not figure it out on their own.
Buying insurance through your employer should be illegal.
************
But it isn’t depending upon many factors.
...Under the Affordable Care Act (aka Obamacare or healthcare reform),
applicable large employers are mandated to offer full-time employees
qualified and affordable health insurance coverage. If they do not,
employers may pay a tax penalty called the Employer Shared Responsibility Payment.
It sounds complicated (and yes, some of the calculations for understanding
FTE and the fee are quite complicated), but the concept is fairly simple.
https://www.peoplekeep.com/blog/an-employee-declined-our-company-health-insurance
I have 2 young adult children, both under 26, neither living at home, both covered under our family health care plan. One working F/T, one in college.
The one now working F/T lives no where near us and he has secured his own adult physician now, and switched to an adult physician the minute he turned 18 anyway.
However, the younger one (20), who attends college 3 hours away, still prefers to get physicals from his pediatrician, who came through for him in a BIG way when my son ran into an issue with a university doctor. The pediatrician seems OK with it.
By the way, beware getting your medical care as a student at a university. There are no patient privacy rights at all there.
That said, I’m a big believer in getting kids out of the nest ASAP. But the fact that my insurance covers them until 26 at no extra cost to me (but costly to the nation, as all of ObamaCare is) definitely doesn’t mean they need to see pediatricians until 26.
That IS the difference though....kids today think they ‘deserve’ the best starting out and wouldn’t think to live in ‘sketchy places’ to get ahead on their own.
The first place I had the kitchen and bathroom were in the same room! An old office building aprt. over a gas company. it worked for over a year before I moved to a standard apart.
That IS the difference though....kids today think they ‘deserve’ the best starting out and wouldn’t think to live in ‘sketchy places’ to get ahead on their own.
The first place I had the kitchen and bathroom were in the same room! An old office building aprt. over a gas company. it worked for over a year before I moved to a standard apart.
There’s a new internal medicine specialty that treats newborns thru young adults of about 25 years old. My cousin’s daughter recently married a guy in that specialty. Apparently, most pediatricians don’t want to treat patients older than 18 or 20, and most internists won’t see patients younger than early 20’s, so this fills in the gap.
Few people realize that the reason companies offer great insurance supplement plans to Medicare for around $30/month is because the government run Medicare subsidizes them to the tune of about $800 per person per month.
An honest insurance salesman will tell you this if you ask him. Meanwhile, employer provided insurance has roughly the same $800 per employee per month subsidy, usually just a little less as you will find out when you separate from the job and they offer expensive COBRA coverage as an alternative.
Any HR manager (if you can find an honest one) will verify the same. Now think of all the medical resources you have used over your lifetime and consider what YOU could do with a $9,600 annual subsidy in medical savings account, where you could buy the insurance of your choice or just pay $50 per month or so for catastrophic coverage and pay everything else out of the remaining $9,000 in your MSA.
Why wouldn't the government allow that and allow everyone to take control of their own medical coverage for the same money?
The obvious answer, is the need to subsidize illegal aliens, drug addicts and the rest who won't buy insurance and can't or won't pay for anything out of pocket.
My chiropractor told me that the insurance processing and other rigmarole consumed about 3/8th of every dollar he charged, ergo $40 per visit. He was more than happy to put me on a plan where I paid a straight $25 per visit (5/8th) in cash and he didn't have to deal with insurance. I suspect lot of doctors would do something similar if they could.
Yet he was probably on Facebook with the smart phone and drinking a latte
Why should who is paying the insurance bill have anything to do with the type of primary care doctor they have?
What gap? I never heard of a GP who wouldn’t see a 19yo. Maybe if it is Mom making the appointment and expecting to be in the examination room with junior, but Mom shouldn’t be doing that!
That is ridiculous. As soon as a person reaches adulthood, move on to doctors who work with adults! As soon as my now grown children had their physicals/shots for college from their pediatrician, they leveled up to other doctors.
I was in a motorcycle accident shortly after turning 18. My pediatrician was the admitting Dr. because he was all I knew. Upon discharge (overnight stay in pediatric ICU) Dr. told me to find a new doc. Why don’t Drs do that today?
People in their 20s rarely need to see a doctor. Check-ups are a waste of time. They should just go if they get sick or injured.
I had a check-up when I was 22. The doctor told me not to come back for 10 years.
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