3 ms·
"Health insurance" is the wrong name for what we're purchasing, but the product itself isn't silly. "Health maintenance plan" is a more descriptive name for wh
by alistairSH 3y ago
"Health insurance" is the wrong name for what we're purchasing, but the product itself isn't silly.
"Health maintenance plan" is a more descriptive name for what we're discussing.
Even something as basic as an annual physical is ~$400 (cash price). A doctor visit for illness is $100-$150 before any bloodwork or imaging (which can add another $100+). Those are major expenses for many families. The ability to spread those cost across the year is a good thing.
- mlsu 3y agoIt's expensive because I can't move doctors, and I and my employer have to buy a stupid financial product to even see a doc. How much of that $400 goes towards the doc anyway? Towards payments on the MRI machine? Towards the office space? No more than $100 all in. For one billable minute of every doc's time, we are paying 5 billable minutes for various "healthcare administrators" all over the country to move numbers and billing codes around in a labyrinthine spreadsheet. For what?
- alistairSH 3y agoI don't disagree with any of that. I'd much prefer some form of nationalized/socialized health system (and would not prefer a "cash only" system, because there will be people who can't afford that even at half the current rates).