Published: Wednesday, April 10 2013 12:00 a.m. MDT
One of the things we need to remember about insurance is that its purpose is to
protect against risk. This is why we buy car insurance. Many people would have a
difficult time paying for legal costs and repair costs in the event of an auto
accident. So what your insurer is doing is assuming the risk of a possible
accident in exchange for your premiums.People do not buy oil change
coverage with auto insurance because it is not a matter of chance whether they
will have to change the oil. The insurance company would not be assuming any
risk, simply writing checks on my behalf (plus profit); a pass through
transaction. Under those conditions, I wouldn't shop to get a better price.
I may even get it changed more often than necessary just because I know the
extra cost will be paid for by everyone else with oil change coverage instead of
me.Buy major medical coverage and pay for the rest with your MSA.
Then shop for doctors and pharmacies that give a discount to cash customers.
@ SpocDiscounts for cash customers are usually 10-15% IF you pay the
day of services. The discounts insurance companies get are 50-60%, and they have
months to pay and still get the discount. The system is stacked against the cash
payer. Until that is corrected, medical will continue to price PEOPLE out of the
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