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To: Oblomov who wrote (17434)	2/17/2004 10:28:35 AM
From: Les H	Read Replies (1) \| Respond to of 306849

If you're aged, a lot of your costs will be routine doctor visits and prescriptions until your condition requires surgery and/or hospitalization. Once you're diagnosed with a chronic condition, such as diabetes, you'll be seeing the internist, opthamologist, diagnostic clinics, etc. every three months for follow-up and to update your prescriptions till you die.

To: Oblomov who wrote (17434)	2/17/2004 12:08:29 PM
From: fatty	Read Replies (1) \| Respond to 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.