Insured but Worried about Rising Health Care Costs

Insured but Worried about Rising Health Care Costs

At Beyond Primary Care, we hear this story a lot: “I am insured but am worried about rising health care costs.” Employees are paying more for health insurance face serious concerns about how they will pay their medical bills in the event they actually need care. For example, more and more people are enrolled in plans with high deductibles. In 2010, one in 10 workers with single-person health insurance coverage had a plan that required a deductible of $2,000 or more. By 2018, one in four did.

Traditional doctor’s offices, where charges are often opaque and disclosed only after services are rendered, leave many people apprehensive about actually using their insurance. In an August 2018 survey, 37 percent of people with employer coverage said they have received a bill for health care costs that they were NOT expecting. Either because they thought their insurance would cover it, or the insurer would foot a larger part of the bill.

Patient’s preferences- for convenience, fast but thorough service, connectivity and price transparency- are making many adults with employer-sponsored insurance turn towards a constellation of alternative services as they face rising costs. Healthy employees still need coordinated and longitudinal care, someone who knows them. A recent report in JAMA Internal Medicine found that nearly half of patients who sought treatment at an urgent care clinic for a cold, the flu, or similar respiratory ailment left with an unnecessary and potentially harmful prescription for antibiotics.

It doesn’t have to be this way. With an employer sponsored membership at Beyond Primary Care, our goal is to maximize employee health and minimize costs. Please contact us today or make an appointment to learn more about Beyond Primary Care.

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