4. High-Deductible Health Care Plans High-Deductible Health Care Plans (HDHP) Alison has consulted her primary physician regarding her stress level at work. Her physician has given her some behavioral modification advice bu not formally refer her to a psychiatrist. Although Alison's primary physician didn't refer her to a psychiatrist, she is wondering whether a psychiat might be able to further assist her with her stress issues. Assume that Alison places a value of getting a second opinion on her stress condition from a psychiatrist at $25. Further assume that the only psychiatrist in town charges $45 for an appointment. Suppose Alison has a traditional health insurance policy. The policy does not have a deductible and has a $14 copayment per office visit with a specialist or primary physician. Alison choose to see the psychiatrist for a second opinion because the value she places on the psychiatrist's opinion is the cost she has to pay out of pocket. be respons make an appointment because the cost would be Now suppose Alison has a high deductible health care plan (HDHP) and hasn't met the deductible for the year. Alison for paying the full cost of the visit with the psychiatrist. Alison the value she places on seeing the specialist.