I, too make unnecessary doctor appointments and hospital trips because my insurance covers them. I've developed a paraphilia for having blood drawn, and I'm considering having some perfectly functional limbs amputated.
> The much maligned HMO was an early attempt at applying market discipline to medical care. Guess what? People hated it.
HMOs remain common, and none of the satsifaction data I can find shows satisfaction with them significantly lower than PPOs or traditional insurance. Not sure why you act like they are something that exist only in the past or universally hated.
>The most common cited reasons for overtreatment were fear of malpractice (84.7%), patient pressure/request (59.0%), and difficulty accessing medical records (38.2%).
