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Strategies & Market Trends : The Residential Real Estate Crash Index
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To: Oblomov who wrote (17434)2/17/2004 12:08:29 PM
From: fattyRead Replies (1) of 306849
 
>Health care insurance should NOT cover ongoing costs (checkups, etc.). It should cover catastrophic care or major expenses such as surgery.

I think this is a good point. Having insurance to cover ordinary care just discourage patients to shop for the best values. Furthermore, cost of care should standardize or fall into a certain range.

We recently switched to a health insurance with high deductible. I was stunned to see that my wife's chemistry test cost $800 because it was done at a hospital-affiliated lab. The same test being done at an outside lab cost about $200. Previously when we used HMO, we would never care how much each service cost because we always paid the same co-pay.
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