Regarding preventive medicine; (i.e. “an ounce of prevention”): I’m a proponent of insurance plans not charging anything that’s effectively a co-payment for what’s a reasonably conventional preventive or diagnostic service or procedure applicable to the patient’s condition.
I’m also a proponent of federal catastrophic medical expenses insurance as an entitlement of USA legal insured or uninsured residents. Regardless of whatever is or will be our nation’s medical policies, this policy would improve our nation’s economic and social condition. ...
...WRONG. That money from the federal government is NOT free. YOU pay for it, whether through federal taxation, through the costs of federal regulations, and through the devalued dollar from the federal government printing too many of them. ...
Into the Night, you're correct, we all currently pay for catastrophic medical expenditures that occur in the USA.
To the extent those catastrophic costs are covered by insurance, they're passed on to those purchasing the insurance which increases prices to consumers, and/or employers, and/or unions, and/or non-profit organizations such as schools, charities, or governments.
To the extent those price increases don't recover the additional cost, the deficiency remains with the insurers, that are profit or nonprofit organizations such as schools, charities, or governments.
Who or whatever entities eventually pay those catastrophic costs are taxpayers or government agencies funded by taxpayers. Catastrophic medical costs consequentially reduce governments tax revenues or are direct costs to governments.
It would be to insurers benefit to insist their clients avail themselves at no additional costs to themselves, for reasonably conventional preventive or diagnostic service or procedure applicable to their conditions. If their clients do not comply, they may be charged additional increased fees because they're failing to prevent medical and financial risks. Regardless of whatever is or will be our nation’s medical policies, this policy would improve our nation’s economic and social condition.
The additional fees would be passed on to the government and thus absolve the insurers of any responsibility due in such cases to the patients refusing preventive diagnostic and preventive services.
Respectfully, Supposn