Under the current rules, individuals in the health exchange (Covered California) will have a 3 month grace period if they are late with their insurance premium payments. Add to that, that the insurance companies will not be liable for payments owed to doctors if the policy lapses in that time and you can understand why many doctors are quite concerned about taking patients from the health exchanges. Under current rules, doctors would still be paid if the individual's policy lapses. Thus, doctors are worried that they will be left on the hook for monies owed to them if a patient let their policies lapse while under care. In an article from Med Page Today (David Pittman, April 13, 2013) it is explained why doctors are so worried about taking patients that obtained their insurance on the exchange. The average out of pocket maximum for an individual is expected to be around $6,400 and for a family it is $12,800. That is a lot of money for a family to pay, especially if they are low wage earners that qualify for the exchange in the first place. To read more click on the link below.
http://www.medpagetoday.com/MeetingCoverage/ACP/38437?xid=NL_DHE_2013-04-15&eun=g592173d0r&userid=592173&email=christinedaigle66@gmail.com&mu_id=5717036
The exchange has much to offer, but it will have some pitfalls. To find out more about the exchange you may contact us at (714)680-5900 or email us at info@ansainsuranceservices.com .
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