I know with my homeowners and auto policies that if there is a small or minor type destruction, higher than my deductible, I will not file a claim but rather just suck it up and pay for the [whatever] repair out of pocket to keep my premiums on such policies reasonable - yet still have coverage if something major happens.
Can't do this on health insurance policies because the repairs aren't counted towards insuring the individual item (person).
We have people that use insurance for every little thing - be that the person and their healthcare or their home, rental or auto. On those other types of insurance, their use ups their premium on healthcare it doesn't seem to matter.
Could we, including provider, use more of a catastrophic coverage to keep premiums lower? Would the price of these more minor item come down? They should. Employers sometimes use the HSA or FSA to encourage this type of usage and keeping healthcare cost down - could we do it in the individual marketplace?
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