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Originally Posted by gacook
Paying 4 different people for one broken wrist is ridiculous.
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Understood from a consumer perspective. At the same time, you're dealing with 4 separate businesses. Thinking aloud: would a general contractor business arrangement be feasible/legal? When you build a house, you hire a general contractor, who then hires subs. You pay the GC, not the subs. The subs don't work for the GC, but are rather hired by the GC. Customer deals with one GC. Not sure regarding the legality of that scenario in medicine. But there goes any transparency of cost you're requesting.
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That's approx. $5000 per year, or $100,000 over the course of my working years up to this point. And I've used maybe $10,000 in services. Sounds pretty good...for the insurance provider.
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And for those who cost the insurance provider more than they pay in premiums. That's one reason why the ACA's mandate to include all pre-existing coverage issues without charging them higher rates sounds great from a humanitarian perspective, but may be a financial disaster for the healthy.