Here we see from a new vantage point, the largest and most lucrative con game ever perpetrated in the history of civilization. The "mafia" salivates like a dog when contemplating this "el supremo hose job". No weapons are necessary and there is no threat of incarceration. Because ... \ tada / ... this scam is under the protection of (and is encouraged by ... yay say I ... even mandated by) ...
The protector of all that is righteous in life ...your wonderful government.
Insurance has "branched out"DETAILS:
The basic plot of the insurance/lawyer/politician triangle is the same. Beef up the number of law suits as well as the judgements. The cost of insurance rises, the cost of medics increases, lawyers fees skyrocket and the "public trough" foots the bill.
Everyone involved in any given scam gets a cut.
Absolutely ... NothingMoney is transferred ... from one pocket to another without the creation of any goods or necessary services whatsoever. People actually live off this. And live very well. Doing nothing. Producing nothing.
Can other dentists take their place at lower rates? NO.
The government prevents this by placing conditions on being a dentist in America. You have to go through a process of certification to be a dentist ... to protect the public ... from bad dentists ... the ones who pull the wrong teeth ... but NOT the ones who are pulling your wallet.
What hell is a dental plan anyway? How can you get insurance for a 'chronic' condition ? If you know that you're going to have to pay out, say, $600 per year for dental costs why buy insurance and cut in a middleman, the insurance agent? What do you need him for? Well, the dentist needs him to increase costs above market acceptability. You're willing to pay $20? It's still twenty (you don't pay the extra $180 ... the insurance pays it).
Or does it?
Somehow, some way YOU GOT TO PAY .
How does a law suit better the condition of medicine? Does it teach the doctors a lesson? By making them pay? Or does it just increase malpractice insurance and you pay more each time you go for a checkup? Who's getting rich here? Doctors? Which doctors...? Civilization? ... We're all better off for it?
NO ...All this crap does is drive off the honest doctors whose places are taken by quacks who couldn't care less except for the big check they're going to get from the insurance company ... your insurance company ... to pay your medical bill ... so the doctor can pay his high malpractice insurance company ...
This is called a circle jerkYou're the jerk.
I had a great idea ... medical/dental vacations. Go to Mexico, Peru, Outer Mongolia, Samarkand, Thailand, Zimbabwe ... get medical treatment, etc.