Yes! I've been saying this for ages. As much as I like my doctor's visits covered it is akin to auto insurance that covers getting your oil changed. I am not sure the doctor's visits is the real problem though ... not when compared to the cost of an any operation. Some of my medical friends have told me a major reason for the high hospital costs is cost shifting to cover the gaps by medicare, medicaid and uninsured.
I agree. We need to go back to paying for our medical expenses and getting insurance for big emergencies. Health "insurance" has driven up costs, complicated the process and become unnecessarily tied up in red-tape.
Heck, if I want to best this, go with an HSA high deductible for Catastrophic Coverage and a Concierge Service on the other end of the spectrum or pay the check ups, soar throat visits etc with Cash out of a Tax Free type pool within the HSA.
If it is the paperwork and lack of competitive price comparison ( GM found this out, they paid anywhere from $2,000 to $400 for a colonoscopy ), then pay cash and put the prices on line so we can shop!
We all know we don't need Fedzilla, we here could figure out how to fix all this craziness in almost no time flat if we could get Disney on the Potomac out of the way...
bttt