to the editor: As guest contributor Joseph Pollino states, as an associate physician in a primary care practice, he speaks from his point of view (“With high deductibles, even the insured are functionally uninsured,” January 6). I have worked in physician and hospital business development for over 20 years. From my point of view, the main problem is that the public does not really read what they are buying and often purchases health insurance based solely on the price of the premium. People should seek help from a qualified insurance representative, or at least In fact Read what they are buying.
It is important for readers to understand that if they have a low premium, they will likely have a high deductible. At my hospital, I have heard many patients become furious when my staff informs them that they have a $10,000 deductible. How did they not know that?
Patients can shop around, but they need to know what their medical and financial needs are to truly find the best possible solution. Read, ask questions, know your medical and financial situation, and then compare prices to find the best plan and know what to expect if something happens.
Amy Cavan, Los Angeles
