[kortilla]

> If you pay for insurance, you should be able to use it.

For what? The insurance company has to put some guardrails on unnecessary treatments or else the rates for everyone go up even further.

I don’t want to be pooled with a hypochondriac that hits up 30 specialists in a year.

[happyraul]

Doctors should make that determination, not insurance companies.

[HDThoreaun]

Doctors are paid for the service they provide so they are incentivized to prescribe things that arent effective. This is a large part of why americans consume so much more healthcare than other countries where doctors get paid per patient on their panel. I agree doctors should determine health care prescriptions but we need to align incentives first.

[happyraul]

I think doctors' incentives are more aligned with patients than the incentives of insurance companies. I agree that incentives aren't perfectly aligned, but I'd rather a doctor decide whether I should get a treatment than an insurance company, given the system we have.

[kortilla]

There is literally zero incentive for a doctor not to over recommend procedures. That’s why no medical system in the world works that way.