Sometimes I think I should just give up on trying to explain the difference between a doctor and an insurance salesman.
The doctor performs surgery, prescribes medicine, advises on healthy habits and generally cares for the health of the patient. In our country these services are paid for with cash. Sometimes the patient pays the cash. Sometimes the insurance company sends the hospital cash. Sometimes the government pays the hospital with cash. Sometimes the patient doesn't pay for these services at all. The unpaid bills get rolled into the cost of the cash paying entities that I just described. News Flash: Nobody is denied treatment in the United States because they don't have an insurance card. This has been going on for several decades.
Health insurance is a risk transfer. You give the insurance company a small amount (he he) of money every month. In exchange for your steady cash flow, the insurance company will pay for your medical expenses. The goal of the insurance company is not to save your life. The goal of the insurance company is to pay less in medical expenses for their customers than they take in through health insurance premiums.
This can't be that hard to understand. Please stop trying to disappoint me and prove that Americans are intellectually bankrupt. Our nation can't have this many morons. Surely you guys are just pretending that you don't understand the difference between a doctor and an insurance agent. Please??? Please??? Please tell me it ain't so. You really know the difference. Right? Your just joking around. Right?