Two thirds of all the healthcare delivered in the U.S. is generally affordable routine office-based or outpatient care and doesn’t need to be covered or controlled by the health insurance industry. Doing so only inflates consumer healthcare costs significantly.

Because 50 percent of the healthcare public consume only 2 percent of healthcare dollars many patients are overinsured and over pay. Furthermore, the odds of a catastrophic event are generally low.

Insurance-based healthcare pricing problems.
Health insurance plans have become increasingly costly and restrictive; many consumers will never meet the high deductibles in order for a plan to pay.   

  • Applying routine care costs to meet your deductible is often a waste of time.
  • Health insurance-based pricing is artificial.
  • Insurance-based pricing has zero to do with reasonableness of cost or quality of service.
  • Invariably, your plan does not have the best negotiated price.
  • Insurance-based pricing bypasses market forces.
  • Pricing is commonly opaque.
  • Insurance-based pricing varies considerably between counties and states.
  • Surprise bills are common.

Insurance-based healthcare hassles and restrictions.
By shopping and paying for routine care costs you can bypass all the hassles of trying to get referrals or authorizations and having to choose from a narrow network of providers contracted with your health plan. Additionally, your physician doesn’t have to waste time and ask a non-medical intermediary for permission before ordering a test or treatment.

How you can get lower healthcare costs.
Forget about using your health insurance plan to “cover” routine care needs. Shopping online for cash price routine healthcare needs and having services outside of a hospital setting nearly always gets you a better service and discount.


Come join our healthcare community and discover how consumer-directed, self pay care can save you a bundle of money and put healthcare control back in your hands. 

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Written by HEALTHdrum