Originally Posted by CardsFan
No disrespect to OP, But I am amazed at the number of health care persons we get here that have no clue how insurance works, apart from an employer, or what it costs. Like many (and me) they have/had employer coverage while working.
There's really no reason health care persons (providers) would understand the nuts and bolts of how insurance works anymore than other type of employees. They're providing medical care, totally separate from the insurance that helps pay for it. And our convoluted healthcare system makes things even more complicated. I work for an insurance company and truly the vast majority of insured people are clueless about how most of insurance works. My company used to offer an "insurance 101" training to incoming employees, to explain the difference between co-pay, co-insurance, deductible, MOOP, annual vs lifetime limits, etc. It's complicated!
Not to mention that to 'optimize' which insurance to buy practically requires advanced algebra and scenario modeling.