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by garhkal
on Tue Jul 28, 2009 4:37 pm |
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| Everyone fears that catastrophic care, but how many really have it happen? And yes, i do feel that insurance is for those things, not for general visits etc. |
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garhkal
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by activist0000
on Tue Jul 28, 2009 7:26 pm |
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Smoker Sympathizer wrote: I love the pay as you go idea. The only concern I have with it is catastrophic care. Do you think insurance is necessary for that or is there a way around it?
Right now, most people don't care how much anything costs, as long as the money is not coming out of their pocket. It really does come out of everyone's pocket, but on a day-to-day basis where people are just trying to get by and make ends meet, people don't worry about that. People open their correspondence from the doctor and the insurance company, and all they look for is the stamp that says "This is not a bill." If they see that stamp, most people don't even look at the figures and don't care what the cost of the procedure was.
So if you were a doctor or hospital and you had a choice between putting a high number or a low number on a bill, and you knew that no one would complain either way, which number would you put on the bill? The high one, right? That's the attitude people have now, and it's a big part of the reason why the numbers keep going up and up. The minute people actually have to pay for their procedures, they will start caring how much they are charged. |
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activist0000
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by garhkal
on Wed Jul 29, 2009 4:08 pm |
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| Agreed. I cannot remember if it was 20:20 or 60 minutes, but they did a segment on this a few months back, and apparently by THEIR economists, if people actually paid out of pocket for all these visits, rather than having it done via insurance, and only used the insurance for the high price stuff (like getting a colon removed, or having an apendectimy etc), it would reduce the insurance coverage by a good 35%... |
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garhkal
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by Smoker Sympathizer
on Wed Jul 29, 2009 9:48 pm |
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garhkal wrote: Agreed. I cannot remember if it was 20:20 or 60 minutes, but they did a segment on this a few months back, and apparently by THEIR economists, if people actually paid out of pocket for all these visits, rather than having it done via insurance, and only used the insurance for the high price stuff (like getting a colon removed, or having an apendectimy etc), it would reduce the insurance coverage by a good 35%...
I believe that. It's common sense. When I owe my parents money, even a low amount like $20 and I have to give it to them out of what I spend for the week, I notice it. Whereas I reimbursed my dad $1500 for some car repairs and I got to take it out of my savings, which is long term, don't touch for decades money, and it was quite painless. I think the same principle would apply to insurance companies. |
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Smoker Sympathizer
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