Medical Tuesday Blog

I Want Every Test, Every X-Ray, Everything My Insurance Will Cover

Dec 22

Written by: Del Meyer
12/22/2016 3:16 AM 

That will only drive up your health care costs because the insurance company will get it back from you with the next premium adjustment.

I don’t thinks so. And I don’t care. I still want everything I can have.

And that’s the problem with tax supported free care. Excessive cost unless a physician can convince a patient otherwise. And why should we be the health care cops when there’s such a simple way to make the patient responsible.

I think I’m responsible. I paid for this care.

Not really. The amount you paid for is only about two-thirds of what most patients utilize by their appetite in what they want to spend.

I don’t believe that at all. They are still making a handsome profit.

As long as you want the government and Medicare and insurance companies to negotiate the fees, they will continue to make a handsome profit.

Then how do we control it?

By every patient sharing in the cost of every item they want. Europe calls this cost sharing. In America we call this a yearly deductible about equal to the yearly cost of the average person in your age group and gender. The excess beyond this we call the copayment. This keeps you informed on the cost of every test, x-ray, pharmaceutical, and consult that you request.

I don’t think I like that.

But at the end of the year when the next premium is due, you’ll be amazed at how much you have saved and your premiums will never increase.

And health care costs will have been contained without any new laws or reforms or restrictions.

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Medical Gluttony thrives in Government and Health Insurance Programs.

It Disappears with Appropriate Deductibles and Co-payments on Every Service.

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