Tier 4 coming, along with higher co-pays..."The more the sick person pays, the less the healthy person pays."...BD
Private insurers began offering Tier 4 plans in response to employers who were looking for ways to keep costs down, said Karen Ignagni, president of America's Health Insurance Plans, which represents most of the nation's health insurers. When people who need Tier 4 drugs pay more for them, other subscribers in the plan pay less for their coverage.
But the new system sticks seriously ill people with huge bills, said James Robinson, a health economist at the University of California at Berkeley. "The more the sick person pays, the less the healthy person pays." "This is an erosion of the traditional concept of insurance," Mendelson said. "Those beneficiaries who bear the burden of illness are also bearing the burden of cost."
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