General Discussion
In reply to the discussion: High deductible heath plans maim and kill people [View all]FreeJoe
(1,039 posts)I had a small problem last week. I won't go into details. I went to the company doctor. He narrowed it down to two possibilities: nothing to worry about or a small chance that it is something like cancer. He recommended that I get a CT Scan to be safe.
Here's the deal. I am enrolled in an HDHP. When you add in all the incentives, it is a better deal for me financially than the LDHP would have been under any circumstances. But, and this is the big "but", it puts me in this situation. I can spend $1,000 on a CT Scan to be prudent or I can pocket that money. I'm very secure financially, so I'm going to spend that money, but I know a lot of other people that would keep the $1,000 in their pocket (or HSA) and take their chances. The HDHP/HSA system essentially bribes them into neglecting their medical needs for short term gains.