[Mr. Douglas]

Health insurance should not be designed to cover routine or trivial medical costs. Only major or catastrophic costs.

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If car insurance worked like health insurance, it would cover oil changes, they would bill $800, but you would only have to cover a $30 copay.

[Jim Robinson]

Yeah, and what would your premium be?

Extended warranties are available to cover routine maintenance but they’re expensive and most people know they’re mostly highly profitable (to the seller) rip offs.

[itsahoot]

If car insurance worked like health insurance, it would cover oil changes, they would bill $800, but you would only have to cover a $30 copay.

Actually it does work that way if you buy it from the dealer, like a supplemental.