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I haven't had insurance since I was on my parents insurance when I was in college. Since then (over 20 years now), I have been to one doctor, once, to get some moles taken care of. It cost me $200 out of pocket including the office visit, the procedures, the lab tests and a follow up phone call. Paid for on the day of the visit.
With that said I have sprained an ankle, broken a bone, torn muscles and had a nail go through the bottom of my foot and back out the top and all of it was taken care of at home because of the costs of seeing a doc. I'm no worse off for it. Everything has healed fine. Perhaps I've been lucky.
But I don't think insurance is the problem in our country. I think the problem is the cost of healthcare. There is no reason for simple things costing so much and until we do something about the COST of it, nothing is going to change.
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