this post was submitted on 10 Sep 2024
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No, they make a profit if your premiums are more than your care+overhead. Preventative care is sometimes offered with no co-pay
presumably because you end up costing them less over the long haul if you keep up to date with your Dr. appointments.
It's not a great system; but it does work very well for some customers, and failing to recognize that tends to preclude having a productive discussion.
the united states is #1 in medical bankruptcy, including people with insurance.
insurance is a scam youve been taught to not see as a scam. its a terrible middleman which extracts profits from sick and hurt humans by denying them care. if they paid all the claims, they would have no profit. and why should they? how can anyone defend such a gross money grab.
giving the scam credibility keeps those costs high . pretending it has value keeps us from moving to a cheaper, more universal system.