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To: bentway who wrote (199831)	5/3/2009 11:58:25 AM
From: neolib	Respond to of 306849

A stiff co-pay would help immensely here! One that varies with procedure. That mechanism already exist very nicely in the multi-payer system we have via choice in selecting a policy with a high deductible. This works splendidly to keep the consumer engaged in cost containment. Unfortunately, in the current environment, it is more than effectively torpedoed by the fact that the providers are not use to the notion of selling a service to a consumer. They have the mindset that the consumer should not care about the cost, they'll just bill his insurance instead. The single best thing that can be done to contain cost in the medical field is to require written cost estimates prior to service for all services just like is typical for autos, then couple that with co-pay/higher deductibles. Insurance should protect you against what you can't handle (cancer, heart surgery, major trauma, etc) not going to the Doc for the flu. Of course, for those who think the goal is unlimited, high attention medical care as a "right", this won't work. Nothing will.