Insurance is not for smaller bills (like we docs generate) only for hospital/procedures/surgeries. That's not necessarily bad. One can pay more in premium and then have no deductible. Take your pick.
Life would sure be easier if everyone understood this. Of course, it is not looked at as "insurance" any more but as an entitlement. Witness the "wellness" benefits. Thus, the more of it you use, the more you "get" from your entitlement. "You don't really need an MRI for your headaches" "Oh, don't worry, Doc, I've got good insurance and it costs a lot of money..."
Years ago, I heard a talk by an insurance group, that started by a gentleman reminding us how insurance started. In the days of sail, oceanic shipping had a very high loss rate, so merchants agreed to put some of their cargo on each other's ships, so at least some would get through. That story has stuck with me. I don't know what we have now, but it sure isn't insurance.
