10/15/2020 (Thu) 00:57:09
In a perfect world? I want you to imagine this- right now, your health providers profit off you being sick. What if instead you kept a doctor on retainer, that received pay so long as you were healthy, and then immediately stopped being paid the moment you were sick. He'd then have a monetary incentive to your health, right? And even if that's too far fetched, at least some approach of the medical field toward any semblance of an actual market, where you can pay the real cost of it instead of them trying to pull every dollar they can out of insurance, to the point insurance starts screwing you over at double the tune to make up the losses.
Whenever I visit the doc, or especially go to a specialist, I don't go through any insurance, I self pay, it's legitimately cheaper. Especially for medications. There's no point in me paying close to a grand a month for insurance, and then not getting any benefit from it until I meet double that cost in deductible, just so I can have the medication price halved when it would have been infinitely cheaper to just pay full price outright.
Insurance is for when really big health fuck-ups happen. Like, I'm laying in the hospital dying because I got truck-kun'd, or found out I have cancer. This whole notion of using insurance for EVERYTHING is absurd, and so is the notion that pre-existing conditions shouldn't bar you from coverage or at the very least hike up your premiums, that's like buying home owners insurance AFTER your house catches fire.
The way some countries keep cost of medications down is also legit just by direct subsidy. Which means again, the real cost of goods is either not being met, or is being swept under the rug, or outright inflated at the cost of the general public, but because you don't see it disappear in your taxes, you can't tell.
Remember to rest some days.