Co-payments do add up and if a person went to a few medical facilities for various tests including ultrasounds, x-rays, lab tests and then the visit to the doctor; the co-payments made could be well over $100 dollars for a particular month. That is certainly a lot of money to spend. The cost of a copay, may cost even more if you are seeing a specialist. When people have large families or are coping with medical illness that requires treatment or therapy, the cost of copays can mean the difference between eating and not eating. There are times when things get difficult and restaurant food is not an option, but the tremendous cost of co-payments can make eating three meals a day from home difficult also.
There are some insurance plans that do not require co-payments upfront, and these range from high end plans to managed care and government plans. With some of these plans Medicaid pays for certain types of care regarding payment. The problem in America is that health insurance is designed based on health and not illness. By this I mean, health insurance has no "illness plan" that is inclusive of the actual health insurance. Now, you're going to read this and say duh, chemotherapy is covered under many and most health insurance plans. Yes, chemotherapy may be covered, but the cost of the co-payments and or specialist copays which are much more expensive can place a person in debt as a result of all of the visits for treatment and the cost of medications. Many people and families are a budget. America, still has not either set a standard of wages for citizens to be able to afford to live here or reduce the cost of living. How else is someone supposed to live on less money? The fact that someone becomes ill and has to be able to afford medical treatment in order to survive does not help matters any. Health insurance in America does not put much of a focus on a patient who is ill when it should. A healthy person may not need to use health insurance very often except for catastrophic instances because they are healthy. The routine maintenance exams that will provide stability of health results are all they need. By not focusing on what health insurance should be needed and necessary for, it is those who become ill that suffer because health insurance is not designed to compensate for costs when people require on going medical treatment. Unless one purchases a cancer insurance or supplemental insurance plan that will provide extra money in times of need, one will have to pay for medical visits out of pocket even if they have insurance. In all, at least in America, you need two insurance plans-health insurance and supplemental insurance in attempts to offset medical payments as a result of illness.
The government in NSW Australia or New South Wales Australia created a plan to decrease the amount of co-payments people with chronic or illnesses that require treatment were making. By providing those that qualify for assistance with what is called a concession card, co-payments for certain types of treatments including medication costs were reduced and patients only made a $6 dollar copay for each medication and treatment therapy. This seems very helpful. It would certainly enable one to concentrate on ridding the illness from their body, and not worry instead about all of the bills that they are unable to pay as a result.
How would a plan like this work in the states here?
Let's see, patient America Love is diagnosed with cancer, her insurance of PAYUP has a copy of let's say $40 for each specialist visit. America Love works and has decided to have her chemotherapy treatments done at a hospital where they can accomodate her schedule. Since America Love does not make much money she goes to apply for a illness supplemental benefits concession card under her health insurer of PAYUP. PAYUP recieves America Love's request for a concession card to defray or reduce the cost of her copayments for her chemotherapy and medications. America Love's income indicates the fact that she cannot afford the $40 copay, for each time she goes for chemotherapy treatment and the subsequent cost of the medications she now has to take each month as a result of her cancer. PAYUP approved America Love's request. America Love's physician then has her make appointments at the Double Cross My You Know What Medical Center. It was here where she met up with the oncology team and presented her concession card, including the staff that took her co-payments each time. The first co-payment was $40 dollars, but all subsequent payments afterwards for America Love's chemotherapy was only $6 dollars. Patient America Love was also prescribed two medications that had to be taken each day. When she showed up to the pharmacy and presented her concession card for the first time, America Love paid the initial $10 dollar co-pay and then $6 dollars each for the two medications. This amounted to a total of $22 dollars. The next month America Love returned to the pharmacy and was only charged $12 dollars each month thereafter for the two medications. The concession card was a lifeline for America Love as she was able to continue working and to save money without accumulating debt as a result of her illness. This helped America Love's health tremendously, because now that her medical bills were not too much of a worry and her health was improving America Love could concentrate on living of course... in America. The only place she would probably ever be able to travel around in.