The trouble with insurance

Health Insurance Does Not Insure Health

Health Insurance Does Not Insure Health (Photo credit: SavaTheAggie)

The trouble with healthcare insurance is that you don’t know what needed care will cost. I don’t have dental insurance so my dentist can tell me in advance exactly what my needed care will cost. I believe that it is too expensive even with a discount for cash, but I know before I authorize treatment. With healthcare insurance, I don’t know.

Today I had my second visit to a dermatologist. Apparently Medicare plus a high plan secondary was sufficient to buy treatment without a co-pay, but I won’t know for months what my out-of-pocket costs are until the insurers send their statements/bills. This must change for consumers to make informed decisions. My wife and I am both postponing needed care because we fear costs not covered by insurance will overwhelm our limited budget.

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