Nobody needs Insurance for anything except for a major medical Catastrophe like a Heart Attack or Cancer. Yhis is the biggest problem, there is no longer a Doctor Customer relationship. Everyone should PAY out of their Own Pocket to go see the doctor and for most medical necessities.
When you start Paying for your own Health Care, you will find out how CHEAP it really is. I make deals with my Doctor.
Yes my Major Medical plan was cancelled due to Obamacare because it didn’t cover:
Gender Reassignment
Pre Natal care for couples in their 50’s
Abortion on demand for couples in their 50’s.
I have posted about one of our female in laws, whose husband had a great Caddy policy. She was a best patient/customer for a derm, who did all types of beauty enhancements and zero health benefit procedures. His insurance picked up most of the charges.
My wife tried to warn her with ObamyCare, that wasn’t to work anymore. After the first 3 month of bills were not paid, she started to wake up.
She then, eliminated the non health care visits and cut their out of pocket expenses.
Last year my wife told her to in with her NE Italian moxie and try to negotiate a reasonable charge with payment on each visit. It worked.
Now her previous several thousand a year costs are a few hundred $’s for basically the same amount. She has apparently worked out some referral rebate program with the Docs.
I have always wondered how much of this was about coverage for AIDS as a preexisting condition.