In general terms, you are correct about outrageous prices.
Preventative visits, and routine wellness office visits for stuff like blood pressure shouldn't cost anything. I know a lot of insurance companies do add on a BS copay cost, but that shouldn't be allowed either, unless someone was abusing it and that could be done on a case by case basis.
When it comes to procedures and things out of the norm, a good portion (25-33%+) of what you are paying goes to pay for people who don't pay for their health care. Some aren't legally in the country and have no insurance. Others don't have insurance because there's no affordable plan for them and a few just choose not to pay for insurance or their bills.
Overhead to process all the claims is 10-15% of your bill.
In general terms, you are correct about outrageous prices.
Preventative visits, and routine wellness office visits for stuff like blood pressure shouldn't cost anything. I know a lot of insurance companies do add on a BS copay cost, but that shouldn't be allowed either, unless someone was abusing it and that could be done on a case by case basis.
When it comes to procedures and things out of the norm, a good portion (25-33%+) of what you are paying goes to pay for people who don't pay for their health care. Some aren't legally in the country and have no insurance. Others don't have insurance because there's no affordable plan for them and a few just choose not to pay for insurance or their bills.
Overhead to process all the claims is 10-15% of your bill.