Health and Life

• Health Insurance
  One of the main flaws of many health insurance plan designs is their inefficiency in paying for first dollar coverage.  First dollar coverage includes; doctor visits, prescription drugs, lab work, emergency room, urgent care and other common expenses.  It is estimated that the true cost to insurance carriers to cover these items is about $1.50 for every $1.00 spent.  Time is money and it takes administrative time to process all these small claims.  The problem we end up with is paying too much in advance for care that can be funded in a much more cost effective manner.