Health Insurance: All Financial Assistance Must Count Towards Patient Deductibles
This bill mandates that all forms of financial assistance, discounts, and coupons received for medical costs must count toward a patient's annual deductible and out-of-pocket maximum. This prevents insurance plans from using "copay accumulator" programs that currently force patients to pay the full deductible after third-party assistance runs out. The change ensures that financial aid directly reduces the total cost burden on the citizen.
Key points
Insurance plans must count third-party payments, discounts, and vouchers toward the patient's deductible and out-of-pocket limit.
The legislation aims to lower unexpected costs for patients relying on assistance programs for expensive treatments.
Health plans can no longer exclude financial assistance when calculating the patient's cost-sharing requirements.
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