I've never understood why health insurance is set up to pay for the small stuff, like doctor's visits or lower cost tests and such. If my car insurance covered oil changes, tire rotations, and yearly inspections the cost of my premium would go way up. Why don't they change how insurance is structured so that the smaller stuff isn't covered and has to be paid for out of pocket. Wouldn't that reduce costs?
Have the rates of plastic surgery gone out of control? That's rarely covered by insurance and people pay out of pocket.
That is where the unions go bat shit crazy!
What?? you want us to pay a higher co pay? You mean i will have to pay $35 dollars for a Dr. visit?
What?? My deductible is going to go up to?
And even with a higher deductible and a larger copay...its still not near what you would be paying if you footed the entire bill.