> Jim wrote:
>
> Insurance companies are often idiotic.
>
> Yes, covering Viagara and not birth control is stupid
>
> The HMO is fine with that... but it just took my wife two weeks to get
> approval for an MRI for back pain.

3 GREAT REASONS FOR CONSUMER DIRECTED HEALTHCARE!

Why, why, why have the government OR the insurance company telling you
how to spend YOUR health care dollars???  WHY!!??!!

Instead, how about if you get a tax free health savings account that
you can spend any way you see fit?  Get that MRI, get that viagara, or
don't.  You decide.

[ if you work in the insurance industry then you know that insurance
is to cover *unexpected* costs such that an individual doesn't get hit
with a cost he/she can't pay for or afford.  So is it unpredictable
that you need a new pair of glasses?  Or get a cold?  or get a
physical?  Or need bandaids?  Nope, so insurance shouldn't cover it.
And at the same time costs need to be driven down.  CDHC does all of
this. ]

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