I see most here calling for insurance companies to cover everything as long as they have affordable premiums.
For instance car insurance doesn’t cover oil changes or tires, it only covers an accident.
Health insurance should be the same but over the years we’ve been conditioned to not even pay for a yearly check up let alone our own prescriptions.
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The advent of, what were they called- PPE's? in the late 1970’s has caused all of this. Many took advantage of minimal co-pays to visit the doctor for every sniffle and insurance became cheap “health care” as a result.
Prices began to skyrocket for reasons you already know, so I won't get into it. The bottom line is, we need to get back to the system of “catastrophic insurance” rather than “general health care insurance”.
The elderly and truly disabled surely have a need for both, but if the healthy would pay a few bucks for their own colds and flu, there would be more resources to help those truly in need.
My recollection was it was the HMO (health maintenance orgs.) started by Kennedy in 1973??
You could be right though.