Do you know how much your healthcare really costs? Many people say a High Deductible Health Plan provides that direct link between cost and care.
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Ellen Jackson: With the high deductible health plan, the goal, and the reason why it was created, was that the health insurance industry realized that persons under the normal PPO and HMO structure where you pay a co-payment, when you go in to the doctor, really do not understand how much their healthcare cost. If you or I go to the gas station, we see exactly how much it costs. We choose to pay more and we pay right then. With insurance you give your insurance card to your doctor or your hospital. You do not know how much your bill is, you get your charges but you do not know how much you actually are the allowable that you need to pay. You pay $10 and/or $20, $25 or whatever you deductible is, so you really do not care that much about or well, how much does this really costs. Does my doctor costs $50, does my doctor $100 -- because you are only paying the $10. So, the high deductible health plan was created in order to provide a direct link to the employee where they know and they should be interested in how much does my MRI cost, do I really need to go to that specialist, that is going to cost me more or can my primary care physician handle that.