"Nova" wrote in message
...
Leon wrote:
"Nova" wrote in message
...


I don't know that I'd always want my medical treatment to go to the
lowest bidder.


Agreed and these guys are probably makin more off of the procedure than
those having to collect from an insurance company. Remember insurance
companines get deep deep discounts and often don't pay.

It sound to me like the insurance companies are keeping the cost down.

Would you use an insurance company to hep you buy electricity, groceries,
clothing? They don't keep costs down, often they perpetuate the problem.



Basically HMO's and insurance companies are more like agents for many
doctors. I think I would probably have more faith in a doctor that
does not rely on an insurance company to bring in it's patients.


The insurance companies rely on their participating doctors list to bring
in the customers.

I have never heard of any one including myself choosing an insurance company
based on its doctors list. Most employees insurance is provided through
their employeer. The employeer decides which insurance company to go with
and you choose from the list of doctors.






There will probably still be insurance for catastrophic needs if you
feel that living an extra year or two is woth having insurance for.

It doesn't take a catastrophe to end up with astronomical medical bills.
I don't foresee any major reduction is the cost of medical care
regardless of who foots the bill.


Don't for get the major point here, insuranc companies make more than the
health care system does and what overhead does an insurance company have
other than an office for record keeping?

Medical insurance companies are gambling that the coverage premium they
charge along with any returns on there investments made with your money
will exceed the medical payments they make in your behalf. By them making
a profit it shows that on the average they're right.

But dont be fooled into thinking that every claim is not scrutinized by the
insurance company. More often than not th winsurance company disallows
legitimate claims.


Take the insurance company out of petty coverage and every one saves,
except the insurance company.

Your key word above is "petty". If you take the insurance company out of
the picture you'd better hope that you're one of the customers that make
their "average" profitable.

I do not want the insurance company completely removed, just remove them
from the petty, normal, illnesses by simply raising the deductible. I lower
my auto and home owners, and flood insurance by paying a higher deductible.
If the average person had a $2000 deductible I suspect the cost of primary
care would go down when the insurance claims became fewer in number.