Do you think health insurance should stop covering every little thing - and just become catastrophic care?

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Catastrophic care costs much more than routine medical care. Then how can a regular person pay cash for doctor visits, xrays, treatments, medications? Catastrophic care is usually long term for serious illness. Hospital ERs only treat you until you no longer have an emergency and if you dont pay the government gets stuck with the bill, and thats what happens too often.

Yes I do.

Costs would really go down, because people would shop around and know when they are being over charged. They would also not be in the hospital for every little cut and scape.

because of insurance and everything being covered misuse is abundant and prices are not over seen by the people ultimately paying the bills.

In my state it Catastrophic insurance is not offered at all.

I would be happy to buy it if it were, even if that meant having to tie up money in an untouchable account to cover the deductible. But I can't thanks to the protectionism given to insurance companies by legislators.

In a freer market economy with less protectionism offered by corrupt legislators it would be available as it once was.

I believe that should be an option. By covering every little thing from cradle to grave and with no limits, you raise the cost insurance dramatically...as we have seen recently. People should have the choice. The choice should not be made for them by their government.

@Disher: You can, now. But once Obamacare takes affect, such plans will not be legal to sell. Plans will have to qualify at the government standard, otherwise you will be fined for not having insurance. Catastrophic plans do not qualify.

You already have catastrophic care now... By law a hospital must treat someone regardless of citizenship, ability to pay, insurance, age, race, religion, if your life depends upon it.

You could buy that type of policy if you wanted until the government got involved and started mandating things. After the politicians screwed things up , their solution ? Even more government control i/e Obama care. If they would get their noses out of it other than helping poor and elderly people pay for coverage then things would be much better.

It's not a bad idea, as long as "every little thing" doesn't cost an arm and a leg.

I've already gone to that level of coverage just to keep premiums down.

Many people may not be able to afford all of the "small stuff" though. It still costs a lot in doctor visits.

That is what some plans do. If you have a choice, they are better and much cheaper. Just pay for the little stuff yourself.

After my veteran husband passed away at 56 I found out that I had cancer . I lost my home and every thing besides my beloved husband .

I was forced to get on medicaid . Perhaps Republicans /Cons would prefer that I too had died .

Maybe so .

edit :The whole issue is extremely depressing to me . I had hoped for the Public Option ( Option being the word ). You see what happened .It is not what I voted for .