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Old 02-11-2015, 12:02 PM   #2004
Replaced_Texan
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Re: Is Ted Cruz Satan? Discuss.

Quote:
Originally Posted by Hank Chinaski View Post
RT gave a way that perhaps my kid could have gotten a free consult, whether that would work inNYC I do not know, but the question was broader than that one procedure. I presume the strawman poor family will have other medical issues. when the baby gets an ear infection won't they show at the emergency room?
Depends on the definition of poor and whether the state has opted into Medicaid or not. Most poor kids usually qualify for CHIP, even in states like Texas without the Medicaid opt in. Hell Medicaid pays for almost all of those several hundred thousand dollar NICU stays, even for not-poor families.

And it depends on how the insurance policies are set up. My state purchased ERISA plan administered through Blue Cross has a $350 deductible for individuals but it's only applicable on charges where coinsurance is required. In most routine instances, like the ear ache or UTI or even a trip to the ER, it's a set, predictable copayment that I have to pay rather than coinsurance.
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