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In that case, health insurance is largely bunk. Major medical insurance is insurance. The rest of it, regular doctor visits, copays, eye exams, dental exams, is
by cmurf 11y ago
In that case, health insurance is largely bunk. Major medical insurance is insurance. The rest of it, regular doctor visits, copays, eye exams, dental exams, is a payment plan.
- raverbashing 11y agoAnd that's why I think Health Insurance should be about picking the bottom of the coverage, not the top If I want a cheaper insurance then I should be not getting doctor visits free, but my coverage in case of major medical problems should stay the same
- cmurf 11y agoMinimum Essential Coverage eliminates major medical only plans for people over a certain age, somewhere around 25 or 30 years old. So I end up paying what I think is an obscene $260 a month for the cheapest plan in my state, a Bronze plan with a $5000 deductible and only pays out 60%. My insurance is triple what it was with a major medical plan that paid out 80%. I do not consider this an improvement. Going back to bartering chickens and services would be an improvement. Destroying the perversion that is health care as a financial product to single payer would be an improvement.