Most of us have Homeowner, Automobile, and so-called "Health" insurance. Very few medical policies, however, are true insurance: most are just pre-paid plans with relatively small deductibles and co-payments.
The point of insurance is to protect against an unaffordable disaster. To add marketing and administrative costs, as well as profit, to predictable expenses simply does not make sense. True medical insurance has a high deductible so routine medical costs become a household budget item.
As proof of the difference between medical plans and true insurance, consider that it is rare to hear complaints that homeowner or automobile insurance was bought but no claims were made. Contrast that with whining about the lack of need for medical treatment but still having to pay for medical insurance.
Those considering complaining should, instead, be grateful for their good health.
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Amen Hugh, amen. The managed care crowd have brainwashed the people into thinking a doctor visit should cost $5 and someone else should pay for it. Don't get me started on the evils of State mandates. At least in my state the "fixes" they are suggesting are driving more folks to Government sponsored coverage. I am sure you can comment on how well a National Health scheme works. I really enjoy reading your blog.
Good job. E Collins
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