Quote:
Originally Posted by ficke
I wonder what would happen to car repair cost if they had repair insurance paid for by employers of the car owners?
Car owner brings car to shop says it makes a noise and pulls to the left when braking. Car owner does not ask how much it cost and the shop owner could not tell him even if the owner wanted to know. Many tests are performed, many parts are replaced and the bill is sent to the insurance company who bills the employer of car owner. Car owner does not care how much it costs, just make it right. Car repair shop owner has little restraint on repair work done and has a lot of incentive to do a lot of work as the insurance co. does not really car how much is spent either. Insurance co. just raises fees to employer of car owner, the more money that goes through a insurance co. hands the more money they make. They like big numbers too.
I think car repair cost would go through the roof if ran like health care system in the US.
Health Insurance is a problem and employer paid health insurance is really bad.
As for Iran, not a real clue on my part.
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A somewhat decent example.
Although the human body is not as consistent as a car.
When the company I work for shifted its health provisions the break room talk inclined me to believe a lot more responsibility in spending on individual level started taking place.
What changed is we went from part of the premium, and all of the deductible, to all of the premium, but none of the deductible. Suddenly money out of pocket and decision making gets wiser. See a Dr's office instead of an ER for a minor sniffle, etc...
However, a system where you just show up and don't worry about payment is rather worry and responsibility free.
Cajun, I still do not see where we disagree.