To: neolib who wrote (236954 ) 11/6/2013 12:02:34 AM From: Sam Read Replies (1) | Respond to of 542060 With the exception of one serious infection that sent me to an emergency room but was fixed via antibiotics in a day, insurance companies have basically made out like bandits on me. Yes, I got physicals, and I took some statins for a few years and a few other doses of antibiotics over the years, but mostly I just paid premiums and then paid some more. Did insurance "work well" for me, lol? No, I would say it worked well for the insurance company. Incredibly well. Ditto for my ex-wife and daughter. One hospital stay for each of them, lasting a day for the latter and two days for the former. We hear a lot of kvetching about having to pay for services we don't need, but the truth is, most of us do that all the time. What we are really complaining about is paying more premium than we are used to paying. And we were almost certainly getting ripped off before as well, but were not complaining because we were used to getting ripped off. Only a "cranks" who got their drugs from other countries or who went to other countries to get medical procedures done for between a tenth and a quarter of the price in this country actually did something about it. Machiavelli had a point--as I wrote last week: `` We must bear in mind, then, that there is nothing more difficult and dangerous, or more doubtful of success, than an attempt to introduce a new order of things in any state. For the innovator has for enemies all those who derived advantages from the old order of things, whilst those who expect to be benefited by the new institutions will be but lukewarm defenders. This indifference arises in part from fear of their adversaries who were favoured by the existing laws, and partly from the incredulity of men who have no faith in anything new that is not the result of well-established experience. Hence it is that, whenever the opponents of the new order of things have the opportunity to attack it, they will do it with the zeal of partisans, whilst the others defend it but feebly, so that it is dangerous to rely upon the latter.'' Mach, The Prince, ch 6