{"id":2523,"date":"2020-01-07T21:49:50","date_gmt":"2020-01-07T21:49:50","guid":{"rendered":"https:\/\/healthdrum.com\/?p=2523"},"modified":"2021-10-12T16:26:15","modified_gmt":"2021-10-12T16:26:15","slug":"do-you-really-need-health-insurance-for-your-care","status":"publish","type":"post","link":"https:\/\/healthdrum.com\/blog\/do-you-really-need-health-insurance-for-your-care\/","title":{"rendered":"Do You Really Need Health Insurance For Your Care?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Do you really need health insurance? Let&#8217;s face it, healthcare insurance companies are in the gambling business. They play the odds that they are going to make more money from you than they will give back in services. This is a pretty sure bet! <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Starting with a good dose of scare-tactics, the insurance companies soon have you freaking out that a major medical catastrophe could happen at any time. Anxious, you want to get coverage immediately\u2026 only to find out that there is only a small, self-serving window of time for you to sign up \u2013 it\u2019s called open enrollment. Eventually, when you do sign up, you give them total control of your healthcare needs and start paying big money. <a href=\"https:\/\/healthdrum.com\/about\/\"><span class=\"s2\">Yet, you soon realize that the fees you are paying could be in vain as health plans and insurance companies often have an allegiance only to their shareholders.<\/span><\/a> They are not worried about you or your current health situation. Instead, they are more concerned about improving their profits and bottom line.<\/span><\/p>\n<p class=\"p1\"><strong><span class=\"s1\">The business of health insurance<\/span><\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Obviously, health insurance is a great business. These insurance companies have what seems like an open budget for marketing, the lobbying of congressmen (who write the laws benefiting health insurance companies) and paying for brokers. Equally impressive is the money spent on generating the tsunami of online material designed to frighten everyone into buying health insurance. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">The costs of health insurance plans vary. But ultimately, most people know that the less you pay, the less you get. This prescription has worked well for the many companies profiting from the health insurance business. For example, Medicare Advantage and All-in-One are types of Medicare health plans offered by private contracted companies to \u201cmanage\u201d your care. With the help of tricky marketing, you get the impression that \u201ceverything\u201d is paid for and \u201cbetter\u201d than a conventional Medicare plan. In fact, the truth is that you are often left very disadvantaged. Money received from the government to \u201cmanage\u201d your care allow these companies to subtract their profit margin and overhead costs. After restrictions and limitations, you are left with a very watered-down Medicare plan totally under their control.<\/span><\/p>\n<p class=\"p1\"><strong><span class=\"s1\">Health plans &#8211; Their risks and endless limitations<\/span><\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Health insurance plans have a track record of penalizing the individual. <a href=\"https:\/\/healthdrum.com\/about\/\"><span class=\"s2\">They lack cost-transparency and have endless rules<\/span><\/a>, restrictions, limitations and exclusions, which help to ensure profitability. Also, most plans come with non-covered items and pre-existing condition clauses that simply add to your out-of-pocket costs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Healthcare plans are complex and confusing by design. Different plans also come with different conflicts-of-interest. Comprehensive plans, HMOs and PPOs can put the insured in jeopardy of high fees that are generated by unnecessary testing and treatments. In contrast, capitation plans can put people at risk by potentially exposing them to delayed or withheld care. This happens because the provider has already been paid by the insurance company for the care of patients under that plan. Care may then be delayed or withheld because the money for testing and treatment comes out of the doctor\u2019s pocket.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Medicare plans are also highly susceptible to fraud. There are multiple ways to siphon off healthcare dollars from government sponsored programs. In fact, it is estimated that one in ten dollars delivered is fraudulent because of intentionally incorrect coding, unnecessary services, double billing or the use of fictitious names.<\/span><br \/>\n<span style=\"font-weight: 400;\"><a href=\"https:\/\/www.nationalreview.com\/2017\/07\/entitlement-fraud-control-medicare-medicaid-social-security-organized-crime\/\">https:\/\/www.nationalreview.com\/2017\/07\/entitlement-fraud-control-medicare-medicaid-social-security-organized-crime\/<\/a><\/span><\/p>\n<p><span style=\"font-weight: 400;\">In addition to the endless rules and restrictions, health insurance plans commonly limit access and choice of clinicians. Often, you see only those providers and facilities that are in the plan\u2019s network. Of course, staying \u201cin-network\u201d doesn\u2019t guarantee convenient care. In reality, you often need pre-authorization and authorization on top of authorization before moving forward. You may also be asked to provide copies of medical records before any test or treatment is performed. Going \u201cout-of-network\u201d simply ensures that you will be surprised with medical expenses that you didn\u2019t see coming.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Shamefully, there\u2019s more. Another ploy invented by those in the health insurance business is to have primary care doctors and non-medical insurance staff act as \u201cgatekeepers\u201d for denying or approving referrals and authorizations for medicines, testing, treatments and visits to specialists. To make things more difficult, health plans routinely demand that everything they authorize be backed by an increasingly burdensome and complicated diagnostic coding system. <\/span><\/p>\n<p class=\"p1\"><strong><span class=\"s1\">Health plans limit what they cover<\/span><\/strong><\/p>\n<p><span style=\"font-weight: 400;\">What does your health insurance plan pay for? That depends. More than likely you agreed to the plan\u2019s fine print rules when you enrolled. Invariably, you start with a co-pay. Then, you pay everything up to your deductible before your insurance plan kicks in. Consequently, because insurance plans cover only 70 &#8211; 80 percent of the cost of care, you wind up paying the remaining 20 &#8211; 30 percent. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Furthermore, there can be non-covered services and or pre-existing conditions claimed by the insurance company. You end up paying for those too &#8211; and, you continue to pay for the \u201cprivilege\u201d of having the insurance plan. You soon realize that despite the insurance company\u2019s clever marketing about covering hospitalization your 20-30 percent portion of those costs is going to break the bank, whether you have health insurance or not.<b>\u00a0<\/b><\/span><\/p>\n<p class=\"p5\"><span class=\"s3\"><a href=\"https:\/\/www.theatlantic.com\/business\/archive\/2017\/06\/medical-bills\/530679\/\"><span style=\"font-weight: 400;\">https:\/\/www.theatlantic.com\/business\/archive\/2017\/06\/medical-bills\/530679\/<\/span><\/a><\/span><span class=\"s4\"><b>\u00a0<\/b><\/span><\/p>\n<p><span style=\"font-weight: 400;\">After finally receiving your healthcare services, you will receive a summary of payments made to providers on your behalf. In addition to letting you know what they think should be an \u201callowable\u201d cost for a service, they underscore what you\u2019ve \u201csaved\u201d. This is a misrepresentation. Not only has your healthcare plan worked you over for payments, they have squeezed all the clinicians providing services to \u201caccept\u201d lower payments. These so-called savings simply go to the plan\u2019s bottom line.\u00a0<\/span><\/p>\n<p class=\"p1\"><strong><span class=\"s1\">Health plans and the business model<\/span><\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Health insurance plans began around the 1930s and initially covered only catastrophic care. Health insurers quickly realized that the fear-mongering business was a profitable game and soon plans evolved to cover day-to-day healthcare needs. The insurance business convinced the public into believing that even routine care should be covered and \u201ccontrolled\u201d by them. As a result of this belief, healthcare costs sky rocketed and healthcare providers became increasingly shackled to the whims of these insurance companies. It didn\u2019t take long before employers were added to the mix. In turn, they were made to feel responsible for covering all or part of their employee\u2019s health needs.<\/span><br \/>\n<span style=\"font-weight: 400;\"><a href=\"https:\/\/healthdrum.com\/employers\/\">Many employers cannot afford the ever-increasing costs of these health insurance plans.<\/a><\/span><span style=\"font-weight: 400;\"> Even if they could, their employees are often unable to shoulder their portion of the cost and go without insurance. The cost of health insurance is even harder to bear for small business owners and the self-employed since they are offered only plans that are more expensive than those offered to companies with a large employee base. <a href=\"https:\/\/healthdrum.com\/patients-2\/\"><span class=\"s2\">Furthermore, because of these inflated costs, part-time workers and independent contractors routinely go without health insurance benefits.\u00a0<\/span><\/a><\/span><\/p>\n<p class=\"p1\"><strong><span class=\"s1\">Do you really need health insurance?\u00a0<\/span><\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Believe it or not, most healthcare needs can be delivered affordably through doctors\u2019 offices and outpatient clinics without the need for health insurance. Using direct pay solutions, patients can bypass the endless insurance rules, restrictions and profiteering middlemen. Also, consider that the probability of healthy young people, with good lifestyle choices, needing comprehensive health insurance to cover a catastrophic event is quite low.<\/span><br \/>\n<span style=\"font-weight: 400;\"><a href=\"https:\/\/medium.com\/@pabischoff\/the-uninsured-gamble-are-catastrophic-obamacare-plans-worth-it-8f5a7a9fe046\">https:\/\/medium.com\/@pabischoff\/the-uninsured-gamble-are-catastrophic-obamacare-plans-worth-it-8f5a7a9fe046<\/a><\/span><span class=\"s4\">\u00a0<\/span><\/p>\n<p class=\"p1\"><strong><span class=\"s1\">A prescription for treating healthcare<\/span><\/strong><\/p>\n<p><span style=\"font-weight: 400;\">The current healthcare process is totally inconvenient, very costly, grossly inefficient and benefits mostly the insurance company. There are many reasons for this situation but much of it is attributed to the minefield of State and Federal Laws favoring the health insurance industry. In order to make delivery of care much more cost effective there is an urgent need to reform the current laws dictating healthcare. Ironically, in its present form, the health insurance business is mostly a disruptive process. It runs on the pretext of \u201cprotecting\u201d your care while it wastes vast amounts of precious healthcare dollars on non-medical care, contributes to physician burnout and fails to make people healthier.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">One of the ways to control runaway healthcare costs is to return to consumer-directed choice for healthcare. This process works well for most, if not all cosmetic, weight-loss and infertility care services and because customers pay for these services, providers are strongly incentivized to offer competitive prices. For the most part, this prescription has resulted in a dramatic reduction in care costs. If cost-transparency and market forces were used in the delivery of routine as-needed, non-emergency care, their costs would also likely be driven down. With a realignment of health insurance plans to cover only childbirth and catastrophic events, healthcare consumption would return to being driven mainly by patient need and demand.<\/span><\/p>\n<p class=\"p6\"><span class=\"s6\"><a href=\"https:\/\/eur04.safelinks.protection.outlook.com\/?url=https%253A%252F%252Fwww.aei.org%252Fcarpe-diem%252Fwhat-economic-lessons-about-health-care-costs-can-we-learn-from-the-competitive-market-for-cosmetic-procedures%252F&amp;data=02%257C01%257C%257Cfdf2aa1ffe914cbca8c408d799db9248%257C84df9e7fe9f640afb435aaaaaaaaaaaa%257C1%257C0%257C637147040632032289&amp;sdata=JnprO4J3G71p1uomLjjsMfM6ZJQZi8mUB9FyzyC9zQE%253D&amp;reserved=0\"><span style=\"font-weight: 400;\">https:\/\/www.aei.org\/carpe-diem\/what-economic-lessons-about-health-care-costs-can-we-learn-from-the-competitive-market-for-cosmetic-procedures\/<\/span><\/a><\/span><\/p>\n<p class=\"p2\"><span class=\"s1\"><b>Read more<\/b><\/span><\/p>\n<ol class=\"ol1\">\n<li class=\"li2\"><span class=\"s1\">Brill., America\u2019s Bitter Pill<\/span><\/li>\n<\/ol>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">Written by HEALTHdrum<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Believe it or not, most routine healthcare needs can be delivered affordably through doctors&#8217; offices and outpatient clinics affordably without the need for  health insurance.<\/p>\n","protected":false},"author":4,"featured_media":3379,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[33],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Do You Really Need Health Insurance For Your Care? | HEALTHdrum<\/title>\n<meta name=\"description\" content=\"Healthcare can be delivered affordably through doctors offices and outpatient clinics using direct pay and without the need for costly health insurance.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/healthdrum.com\/blog\/do-you-really-need-health-insurance-for-your-care\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Do You Really Need Health Insurance For Your Care? | HEALTHdrum\" \/>\n<meta property=\"og:description\" content=\"Healthcare can be delivered affordably through doctors offices and outpatient clinics using direct pay and without the need for costly health insurance.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/healthdrum.com\/blog\/do-you-really-need-health-insurance-for-your-care\/\" \/>\n<meta property=\"og:site_name\" content=\"HEALTHdrum\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/HEALTHdrum-103735818167546\" \/>\n<meta property=\"article:published_time\" content=\"2020-01-07T21:49:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-10-12T16:26:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/healthdrum.com\/blog\/wp-content\/uploads\/2020\/01\/pexels-negative-space-48604-scaled-e1632778735473.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"766\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Bert Vorstman\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@healthdrumapp\" \/>\n<meta name=\"twitter:site\" content=\"@healthdrumapp\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bert Vorstman\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/healthdrum.com\/blog\/do-you-really-need-health-insurance-for-your-care\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/healthdrum.com\/blog\/do-you-really-need-health-insurance-for-your-care\/\"},\"author\":{\"name\":\"Bert Vorstman\",\"@id\":\"https:\/\/healthdrum.com\/blog\/#\/schema\/person\/953d5fca0a0cb8ee1915ae9f4ed3741a\"},\"headline\":\"Do You Really Need Health Insurance For Your Care?\",\"datePublished\":\"2020-01-07T21:49:50+00:00\",\"dateModified\":\"2021-10-12T16:26:15+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/healthdrum.com\/blog\/do-you-really-need-health-insurance-for-your-care\/\"},\"wordCount\":1482,\"publisher\":{\"@id\":\"https:\/\/healthdrum.com\/blog\/#organization\"},\"articleSection\":[\"No health insurance\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/healthdrum.com\/blog\/do-you-really-need-health-insurance-for-your-care\/\",\"url\":\"https:\/\/healthdrum.com\/blog\/do-you-really-need-health-insurance-for-your-care\/\",\"name\":\"Do You Really Need Health Insurance For Your Care? | HEALTHdrum\",\"isPartOf\":{\"@id\":\"https:\/\/healthdrum.com\/blog\/#website\"},\"datePublished\":\"2020-01-07T21:49:50+00:00\",\"dateModified\":\"2021-10-12T16:26:15+00:00\",\"description\":\"Healthcare can be delivered affordably through doctors offices and outpatient clinics using direct pay and without the need for costly health insurance.\",\"breadcrumb\":{\"@id\":\"https:\/\/healthdrum.com\/blog\/do-you-really-need-health-insurance-for-your-care\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/healthdrum.com\/blog\/do-you-really-need-health-insurance-for-your-care\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/healthdrum.com\/blog\/do-you-really-need-health-insurance-for-your-care\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/healthdrum.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Do You Really Need Health Insurance For Your Care?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/healthdrum.com\/blog\/#website\",\"url\":\"https:\/\/healthdrum.com\/blog\/\",\"name\":\"HEALTHdrum\",\"description\":\"Blog | Cost-transparent Routine Medical Care | HEALTHdrum\",\"publisher\":{\"@id\":\"https:\/\/healthdrum.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/healthdrum.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/healthdrum.com\/blog\/#organization\",\"name\":\"HEALTHdrum\",\"url\":\"https:\/\/healthdrum.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/healthdrum.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/healthdrum.com\/blog\/wp-content\/uploads\/2021\/09\/HEALTHdrumLogo.png\",\"contentUrl\":\"https:\/\/healthdrum.com\/blog\/wp-content\/uploads\/2021\/09\/HEALTHdrumLogo.png\",\"width\":172,\"height\":76,\"caption\":\"HEALTHdrum\"},\"image\":{\"@id\":\"https:\/\/healthdrum.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/HEALTHdrum-103735818167546\",\"https:\/\/twitter.com\/healthdrumapp\",\"https:\/\/www.instagram.com\/healthdrum_app\/\",\"https:\/\/www.linkedin.com\/company\/healthdrum\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/healthdrum.com\/blog\/#\/schema\/person\/953d5fca0a0cb8ee1915ae9f4ed3741a\",\"name\":\"Bert Vorstman\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/healthdrum.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/3af75bb2e908bd808de6943957e36c33?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/3af75bb2e908bd808de6943957e36c33?s=96&d=mm&r=g\",\"caption\":\"Bert Vorstman\"},\"description\":\"Dr. Vorstman did his chief residency at Jackson Memorial hospital in Miami, Florida. Subsequently, he completed fellowship training in Pediatric and Adult Reconstructive Urology at the Eastern Virginia Medical School in Norfolk, Virginia. During his time there he also undertook NIH sponsored, pioneering research on \u201cUrinary Bladder Reinnervation\u201d earning him the honor of a Masters of Surgery Diploma through the University of Otago, New Zealand. Dr Vorstman returned to Miami to become a board-certified faculty member in the department of urology, Jackson Memorial Hospital, University of Miami. Eventually, he left academic practice, moved north to Coral Springs and established Florida Urological Associates pa (www.urologyweb.com) in 1987. Dr. Vorstman is passionate about consumer-directed healthcare and helping men diagnosed with prostate cancer navigate the minefield of prostate cancer misinformation. After retiring and leaving colleagues to continue the urology practice, he became founder and CEO of a healthcare platform that connects buyers and sellers of routine, cash pay healthcare services - www.HEALTHdrum.com\/ Through this platform he also enables colleagues to reclaim their profession from health industry exploitation. Partial bibliography https:\/\/ascopost.com\/issues\/june-10-2016\/prostate-cancer-opinions-vary-on-gleason-scores-and-surgery\/ https:\/\/ascopost.com\/issues\/november-25-2020\/a-urologic-surgeon-assesses-the-current-state-of-prostate-cancer\/ https:\/\/www.medscape.com\/viewarticle\/945928 https:\/\/urologyweb.com\/robotic-deception-prostate-cancer-hoax-p-5\/ https:\/\/bvorstman.medium.com\/prostate-cancer-treatment-deception-and-lies-30e23f17b749 https:\/\/healthdrum.com\/blog\/the-gleason-6-prostate-cancer\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Do You Really Need Health Insurance For Your Care? | HEALTHdrum","description":"Healthcare can be delivered affordably through doctors offices and outpatient clinics using direct pay and without the need for costly health insurance.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/healthdrum.com\/blog\/do-you-really-need-health-insurance-for-your-care\/","og_locale":"en_US","og_type":"article","og_title":"Do You Really Need Health Insurance For Your Care? | HEALTHdrum","og_description":"Healthcare can be delivered affordably through doctors offices and outpatient clinics using direct pay and without the need for costly health insurance.","og_url":"https:\/\/healthdrum.com\/blog\/do-you-really-need-health-insurance-for-your-care\/","og_site_name":"HEALTHdrum","article_publisher":"https:\/\/www.facebook.com\/HEALTHdrum-103735818167546","article_published_time":"2020-01-07T21:49:50+00:00","article_modified_time":"2021-10-12T16:26:15+00:00","og_image":[{"width":1200,"height":766,"url":"https:\/\/healthdrum.com\/blog\/wp-content\/uploads\/2020\/01\/pexels-negative-space-48604-scaled-e1632778735473.jpg","type":"image\/jpeg"}],"author":"Bert Vorstman","twitter_card":"summary_large_image","twitter_creator":"@healthdrumapp","twitter_site":"@healthdrumapp","twitter_misc":{"Written by":"Bert Vorstman","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/healthdrum.com\/blog\/do-you-really-need-health-insurance-for-your-care\/#article","isPartOf":{"@id":"https:\/\/healthdrum.com\/blog\/do-you-really-need-health-insurance-for-your-care\/"},"author":{"name":"Bert Vorstman","@id":"https:\/\/healthdrum.com\/blog\/#\/schema\/person\/953d5fca0a0cb8ee1915ae9f4ed3741a"},"headline":"Do You Really Need Health Insurance For Your Care?","datePublished":"2020-01-07T21:49:50+00:00","dateModified":"2021-10-12T16:26:15+00:00","mainEntityOfPage":{"@id":"https:\/\/healthdrum.com\/blog\/do-you-really-need-health-insurance-for-your-care\/"},"wordCount":1482,"publisher":{"@id":"https:\/\/healthdrum.com\/blog\/#organization"},"articleSection":["No health insurance"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/healthdrum.com\/blog\/do-you-really-need-health-insurance-for-your-care\/","url":"https:\/\/healthdrum.com\/blog\/do-you-really-need-health-insurance-for-your-care\/","name":"Do You Really Need Health Insurance For Your Care? | HEALTHdrum","isPartOf":{"@id":"https:\/\/healthdrum.com\/blog\/#website"},"datePublished":"2020-01-07T21:49:50+00:00","dateModified":"2021-10-12T16:26:15+00:00","description":"Healthcare can be delivered affordably through doctors offices and outpatient clinics using direct pay and without the need for costly health insurance.","breadcrumb":{"@id":"https:\/\/healthdrum.com\/blog\/do-you-really-need-health-insurance-for-your-care\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/healthdrum.com\/blog\/do-you-really-need-health-insurance-for-your-care\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/healthdrum.com\/blog\/do-you-really-need-health-insurance-for-your-care\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/healthdrum.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Do You Really Need Health Insurance For Your Care?"}]},{"@type":"WebSite","@id":"https:\/\/healthdrum.com\/blog\/#website","url":"https:\/\/healthdrum.com\/blog\/","name":"HEALTHdrum","description":"Blog | Cost-transparent Routine Medical Care | HEALTHdrum","publisher":{"@id":"https:\/\/healthdrum.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/healthdrum.com\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/healthdrum.com\/blog\/#organization","name":"HEALTHdrum","url":"https:\/\/healthdrum.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/healthdrum.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/healthdrum.com\/blog\/wp-content\/uploads\/2021\/09\/HEALTHdrumLogo.png","contentUrl":"https:\/\/healthdrum.com\/blog\/wp-content\/uploads\/2021\/09\/HEALTHdrumLogo.png","width":172,"height":76,"caption":"HEALTHdrum"},"image":{"@id":"https:\/\/healthdrum.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/HEALTHdrum-103735818167546","https:\/\/twitter.com\/healthdrumapp","https:\/\/www.instagram.com\/healthdrum_app\/","https:\/\/www.linkedin.com\/company\/healthdrum\/"]},{"@type":"Person","@id":"https:\/\/healthdrum.com\/blog\/#\/schema\/person\/953d5fca0a0cb8ee1915ae9f4ed3741a","name":"Bert Vorstman","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/healthdrum.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/3af75bb2e908bd808de6943957e36c33?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/3af75bb2e908bd808de6943957e36c33?s=96&d=mm&r=g","caption":"Bert Vorstman"},"description":"Dr. Vorstman did his chief residency at Jackson Memorial hospital in Miami, Florida. Subsequently, he completed fellowship training in Pediatric and Adult Reconstructive Urology at the Eastern Virginia Medical School in Norfolk, Virginia. During his time there he also undertook NIH sponsored, pioneering research on \u201cUrinary Bladder Reinnervation\u201d earning him the honor of a Masters of Surgery Diploma through the University of Otago, New Zealand. Dr Vorstman returned to Miami to become a board-certified faculty member in the department of urology, Jackson Memorial Hospital, University of Miami. Eventually, he left academic practice, moved north to Coral Springs and established Florida Urological Associates pa (www.urologyweb.com) in 1987. Dr. Vorstman is passionate about consumer-directed healthcare and helping men diagnosed with prostate cancer navigate the minefield of prostate cancer misinformation. After retiring and leaving colleagues to continue the urology practice, he became founder and CEO of a healthcare platform that connects buyers and sellers of routine, cash pay healthcare services - www.HEALTHdrum.com\/ Through this platform he also enables colleagues to reclaim their profession from health industry exploitation. Partial bibliography https:\/\/ascopost.com\/issues\/june-10-2016\/prostate-cancer-opinions-vary-on-gleason-scores-and-surgery\/ https:\/\/ascopost.com\/issues\/november-25-2020\/a-urologic-surgeon-assesses-the-current-state-of-prostate-cancer\/ https:\/\/www.medscape.com\/viewarticle\/945928 https:\/\/urologyweb.com\/robotic-deception-prostate-cancer-hoax-p-5\/ https:\/\/bvorstman.medium.com\/prostate-cancer-treatment-deception-and-lies-30e23f17b749 https:\/\/healthdrum.com\/blog\/the-gleason-6-prostate-cancer\/"}]}},"_links":{"self":[{"href":"https:\/\/healthdrum.com\/blog\/wp-json\/wp\/v2\/posts\/2523"}],"collection":[{"href":"https:\/\/healthdrum.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/healthdrum.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/healthdrum.com\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/healthdrum.com\/blog\/wp-json\/wp\/v2\/comments?post=2523"}],"version-history":[{"count":19,"href":"https:\/\/healthdrum.com\/blog\/wp-json\/wp\/v2\/posts\/2523\/revisions"}],"predecessor-version":[{"id":3879,"href":"https:\/\/healthdrum.com\/blog\/wp-json\/wp\/v2\/posts\/2523\/revisions\/3879"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/healthdrum.com\/blog\/wp-json\/wp\/v2\/media\/3379"}],"wp:attachment":[{"href":"https:\/\/healthdrum.com\/blog\/wp-json\/wp\/v2\/media?parent=2523"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/healthdrum.com\/blog\/wp-json\/wp\/v2\/categories?post=2523"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/healthdrum.com\/blog\/wp-json\/wp\/v2\/tags?post=2523"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}