“I’m curious why you think you were “supposed” to get anything “all along”?”
You jumped to a very wrong conclusion that somehow I thought were entitled to something for free.
My point is that we were getting good one on one care years gone back. Now with we rarely see doctors but nurses and even then the time in constrained. Insurance companies and the government interfered to the point making a living as a doctor became difficult. This new program whereby we overpay by a large margin is not an answer either.
Sorry for the leap.:) I think HSA’s are the answer where there is more competition for your dollar. That said a practice will have to have some type of method whereby their recurring operating expenses such as rent, utilities, office staff and such are covered; this would be offset by a fixed monthly/yearly charge, in theory you per visit payment is solely for medicine.
Concierge medicine as a mainstream choice is in it’s infancy so prices may vary widely. More competition should smooth out pricing a bit. But, hey, what some doctors are charging may be worth it for a person in need of extra care or for a particularly good physician.