Re:Our fridge just emailed us to say we opened its door too ...
by spookthesunset on Friday September 10, 2021 @01:08PM
(#28484434)
> Even though you have a high-deductible plan, you’re still involving your health insurance provider in the transaction
Depends. If you are planning to use that amount as part of your deductible, then insurance has a stake in it. If you don't ping your insurance at all, then insurance should have zero say over it at all.
While an employer-sponsored health plan does not “withhold treatment” per se, they definitely draw a line around what they’ll pay for. Part of the physician’s (or more typically the hospital’s or physician group’s) reimbursement is contingent on whether the patient adheres to the treatment regimen [1] which incentivizes things like automated tracking.
Even though you have a high-deductible plan, you’re still involving your health insurance provider in the transaction. It’s not quite the same as a “cash for service” relationship.
[1] https://www.medscape.com/features/content/6006314