Quote:
Originally Posted by GlennD
But I have health insurance because I know that I (and my family) will have multiple visits to a doctor during the year, and insurance helps manage my own costs. A health insurer has a totally different set of costs and payouts than any other type of insurance company.
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good point... and I was thinking about this as I wrote it.
Perhaps health insurance should be more like other insurances or perhaps like and extended warranty insurance on a car. You must pay for the normal preventive maintenance... but when something unexpected breaks the insurance pays (or helps) for it.
So, perhaps we should all pay for preventive care out of our pocket. Insurance will kick in for sickness or accidents. However, if you don't keep up to date with your preventive maintenance (annuals, etc) then the insurance won't cover sickness/accidents... because they are less likely to occur if you keep well on a continual basis... and if you are going for checks problems can be caught before they get too bad and are MUCH MORE expensive to fix.
BOb