Everyone needs health insurance; in the United States, you are required to carry health insurance or you could face severe penalties and fines. While it is true that Americans spend less than five percent of their lives in doctors’ offices and hospitals, it is still vital that they have some form of protection when it comes to medical costs. To save on monthly premiums, more consumers are opting for high deductible health insurance plans.
But, how do those higher deductibles affect the quality of healthcare? Some feel that higher deductibles may go synonymously with malpractice claims.
Because of the rising costs of healthcare, patients are visiting their physicians less. Patients who need care for chronic conditions are also seeing their physicians less, which increases the likelihood of a lapse in care. Some patients have gone as far as to skip medicine refills and follow-ups, or even forgo medical testing.
This can actually cause more issues for a physician, and put the patient at serious risk for injury (or death, depending on the condition that they are suffering from). Some doctors are not offering their patients critical tests, because they fear that the patient will not be able to afford them. Other physicians are increasing their risks by skipping necessary medications for chronic conditions to help their patients with overall costs.
It is imperative that physicians who deal with patients with mounting medical costs still explain the risk of skipping tests, forgoing prescriptions, and ignoring medical treatment options. When physicians do not adequately communicate with their patients or convey the risks, the patient could become seriously injured – and it opens the door to malpractice for the physician.
If you have a high deductible or cannot afford your medical costs, you do not have to put your health at risk. There are things that you can do to manage chronic conditions, while saving on overall costs. These include:
Physicians are required to provide a standard level of care. If you did not receive proper care and suffered an injury because of increasing healthcare costs, speak with a medical malpractice attorney. Contact Berkowitz and Hanna LLC today to schedule a no-obligation case evaluation. Contact us online to get started.