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Doctor Curmudgeon®: Patient Entitlementiasis with Insurance

Doctor Curmudgeon®: Patient Entitlementiasis with Insurance

By Doctor Curmudgeon® This week, the old Curmudgeon had a mental bloppo. I seemed to remember that great gentleman, Ben Franklin, saying something about insurance not meant to cover every penny of everything. After fruitless hours of searching, I could not find that quote. I did know that, in addition to being one of our Founding Fathers, he was the Father of mutual insurance. I was hoping that, being a certified curmudgeon, I could channel him on that point, but he must have been busy as there was a huge waiting line.  I did meet a few other curmudgeons, but that’s for another column Serendipity is an interesting muse because in the course of searching, I found an unrelated quote, which I feel compelled to post here:   “No man’s life, liberty or fortune is safe while our legislature is in session”   My door was partially open.  As I sat in my office, getting chocolate crumbs on my keyboard, I heard goings-on at the front desk. Assistant (a smile and gentleness in her voice):  “Ms. Difficult, your co pay is twenty dollars.  Would you prefer to pay by cash or credit card? Patient (with no smile and no gentleness in her voice):  “What? Twenty dollars?  I thought my insurance paid for everything?  I don’t have time for this.  I’m catching a plane for my vacation.” There are many, many, many who believe that insurance must cover everything.  But, to insure is to cover against catastrophe, not every single dime or penny or pence or ha’penny. Where did we lose this concept? I do remember my parents having insurance...
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