"JoeSpareBedroom" wrote in message
...


Perhaps you can explain why, in some states, we can no longer get what was
once called major medical insurance. Let the customer pay all the cheap
stuff (doctor's visits), and the insurance is for the horror shows (car
accidents). I think the key word is "some states". Why the discrepancies?


I don't know about *all* states, but you can still get it in some.

The reason major medical policies disappeared is due to consumer demand for
the HMOs. When HMOs started becoming popular in the late 70's, early 80's
employees covered by company health insurance wanted them because they only
had to pay a small contribution for each doctor visit. Companies, in order
to stay competitive in benefits to attract and keep employees were forced to
switch to the HMO plans. I have personal experience with this.

I've ranted before about this, including an analysis I did a few years back
where I determined that it would be less expensive for the company and the
employees if we went back to a major medical plan and the company simply
paid for the employee's and their family's regular doctor visits for
checkups or for little Johnny's runny nose.

Eisboch