Originally Posted by Pawnmower
One way not listed is to add some reasonable co-pays. I know plenty of people who go to the doctor way too much...old lonely bored ladies mainly......adding a 20ish dollar copay for a doctor visit would cut back a ton of the frivolous abuse of the system Imo. So they would get some money back via co pays & reduce wasteful needless visits thus saving $$$.
I know what you are saying sounds reasonable but in reality, having a $20 copay will raise the cost because the consumer has no incentive to not go to the doctor when they have a minor ailment or a perceived ailment.
Copays have increased healthcare consumption with no proof that it provides better long term care and savings by catching a catastrophic illness early. I understand where you can come to this conclusion but consumer behavior actually increases consumption.
Now adding a copay for a limited number of office visits could be a good compromise. Something like 4 to 8 office visits a year at copay only and any visit over 8 is at normal benefits.