Quoted: Too many people these days run in at the slightest sniffle and ache "because I have insurance, I might as well use it." Fuck that. Insurance is already high enough because of assplugs like this and ambulance chasing lawyers.
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One of most brilliant parts of health insurance is the
deductible. You underestimate how effective it is in steering away people from the doctor's office or the ER. In Canada (I'm originally from there) they tried to introduce a co-pay of $5 and the communists/socialists were up in arms about how it will be an impediment for those who 'can't pay'. You wouldn't believe the shit I see with Medicaid patient's here. They went ballistic recently when the co-pay for prescriptions went from 50 cents to 1 dollar! I've talked to pharmacists and they've told me that they service at least several Medicaid recipients
a day who can't/refuse/choose not to pay the co-pay, but the drug is still dispensed. Depending on the drug, the pharmacist's only profit margin
is the co-pay of 50 cents or a dollar. Although the pharmacist usually makes some profit when the Medicaid recipient buys a carton of cigarettes on the way out the door.
Medicaid patients in NH can have their dental care paid for but must pay a $25 co-pay
up front at the time of the visit at the dentist. They can get hundreds and hundreds of dollars worth of work done on their teeth at a visit
but most of them will let their teeth rot away rather than pay a $25 co-pay.
Eat right, sleep well, exercise, don't smoke, drink in moderation, regular sex and time behind the trigger
at least twice a month and you will rarely
need to see a doctor.