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Originally Posted by flstf
I agree, but I don't think co-pays do much to encourage people to shop around for better prices. I believe many people treat insurance paid health care much like an open buffet because after the co-pay they do not care about the total cost.
There must be a better way to reduce costs other than having the insurance companies dictate/negotiate prices to providers. It seems like there should be a lot of money to be saved by getting the insurance industry out of the loop.
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Unfortunately or fortunately, I pick my doctors based on location and comfort. Cost never comes into the picture. If that was a criteria I'd have to include I'd be happy to do so, but I can say that my copay does stop me from going more often than not. I decide that $20 is too much to pay when I just don't feel well and think maybe that the doctor can tell me differently. I'd rather put that $20 to over th counter meds which isn't covered by insurance and only recently covered by FSA but that's my money anyways.
If the insurance companies were like they were before when it was 80/20 I think that more people would be shopping around by cost. Or would they not also because they would want to hit that deductible as quickly as possible so that then it's all on the insurance co?
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