[charlesbahn]

From the trenches:

We are now starting to see patients with affordable care act policies in my small medical office. Generally these are people that used to have regular indemnity plans like Blue Cross, etc. In the past their plans covered their eye exam less a (small) deductible/co-pay.

Now these folks come in happy to have a less expensive plan (ie affordable care act version of Blue Cross for example). But it turns out that it (the exam) isn't covered at all since they have a much higher deductible and most of the patients end up paying the whole amount.