Quote:Why should it all be treated the same way?  Let's take an analogy regarding vehicles and car insurance.  Since you have to have car insurance, should the insurance cover an oil change?  Or should the cost of an oil change fall on the owner of the car?

 

It's the same way with health insurance.  Should health insurance pay for a routine physical (it cost me about $65 last time I had one) or should a person have to pay for that routine care on their own?  Now let's say (deity forbid) that said routine physical found a problem that required an extensive hospital stay or more extensive treatment that is out of my reach financially, then that's where insurance comes into play.

 

In other words, people have been "trained" to think of "health care coverage" to equal it paying for anything and everything.  "Insurance" is in place to cover a catastrophic situation.  It is not intended to cover basic "needs" such as birth control or doctor visits.

 

Think about that for a bit, then think about why prices have gone up.

 

 

Refer to my above answer to boudreaumw.  Why exactly do you think that the cost of routine healthcare has gone up?  Have you gone to a doctor's office and told them that you are willing to pay cash rather than use "insurance"?  I'll guarantee you that the price is a lot lower for a procedure than if you were going to use your "insurance".

 

It's because people think that "insurance" is there to pay their bill for them.  The price is higher if you use "insurance" because of the paperwork, the bureaucracy and the red-tape that these doctor's offices have to go through with insurance companies in order to get paid.

I would counter that with you have been trained to think of healthcare as a privilege as most people have. More people in America are able to afford this privilege than say in the middle ages when only the wealthiest had reasonable healthcare. I argue it's not a privilege but a right that any modern society could provide. 

 

I think at least it sounds like we agree that insurance is the big problem. At least I think that's the case. I offer to pay cash every time I go my visits are never cheaper that way at least not at my last two doctors. 

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