Re:The Pitchforks Are Coming for Us Plutocrats (2014)
by SoftTalker on Thursday December 05, 2024 @11:49PM
(#42336436)
The thing we pay for called "health insurance" is really not insurance. Real insurance covers catastrophic unpredictable losses up to a pre-defined limit. That's all. What we have is some sort of forced pre-payment for routine medical care combined with some limited coverage for the unknown.
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Re:The Pitchforks Are Coming for Us Plutocrats (2014)
by aaomidi on Thursday December 05, 2024 @11:56PM
(#42336470)
It’s a maintenance and repair plan that has a massive terms and conditions
Re:The Pitchforks Are Coming for Us Plutocrats (2014)
by wmf on Friday December 06, 2024 @01:02AM
(#42336850)
What's stopping you from getting a high-deductible plan and paying cash for routine care? I'll admit you have to negotiate down the fake prices yourself.
Re:The Pitchforks Are Coming for Us Plutocrats (2014)
by freeone3000 on Friday December 06, 2024 @02:18AM
(#42337243)
Because there is nothing about a high-deductible plan that insures better against catastrophic outcomes.
Re:The Pitchforks Are Coming for Us Plutocrats (2014)
by SoftTalker on Friday December 06, 2024 @03:28PM
(#42344023)
I do have an HDHP+HSA plan, but you still have to run all your routine care through the insurance, (a) so they negotiate a lower price and (b) so it is applied to your deductible.
Truly "paying cash" for routine care would be difficult as most doctor's offices have no idea how to quote a cash price for services, unless you go to one of the very few cash-based practices.