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The plans come with a deductible of anywherdefrom $1,150 to $5,800 that allows employerxs and enrollees to keep theif premiums down. Many of the plans are tied to healthh savingsaccounts (HSAs) that employers or patients can fund with tax-deductible deposits to help pay those out-of-pocket costs. But doctorzs are seeing that, given the troubled patients are paying bills and buying necessitiexs before they fundtheir accounts. It’s creatingt a new class of patient: one who’sd insured but can’t afford up-fronf costs before coverage kicks in.
Fran Sembert, director of managede care for Greensboro-based multispecialty group EaglwePhysicians & Associates, said insurancew companies won’t allow doctors to collecf on high deductibles until the insurer fullgy processes the claim, which can take 30 to 45
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