[Alberta's Child]

But what’s ridiculous is that it’s sometimes cheaper to pay out of pocket even when something IS covered by insurance. Look at the example here, where a prescription costs $285. If the patient has a 20% copay up to an annual maximum, then it’s costing him $57 for the copay even though it would cost $40 if he was NOT insured. WTF?

I was in the office the other day and I overheard a person in the next office talking to an insurance company representative about this exact same thing.

[Fido969]

Because insurance doesn’t care what the price is. They just pay it and raise premiums to cover it. The “evil insurance companies” are a myth. It’s the medical providers that are gaming the system, big time.