Actually, the only time the copays are so low for health insurance is when you're dealing with those high-dollar plans provided by a lot of employers. (At least those are the types of plans that were provided be employers in the past; that's changing significantly because of the cost involved.) Trust me, these are FAR from the "norm."

As for dental insurance, the fact is that there are nearly as many organized networks for dental providers as there are for medical providers (where belonging to as many networks as possible is the best way to ensure you keep new clients coming in to your practice.) Dental insurance, by comparison to what you pay for medical coverage (particularly of the variety you mention) is also CHEAP. And I don't know very many people who would pay triple the price for dental insurance so they could get the $10 copay. In the end, it's really that simple.

The purpose was not beneveolent it wasa creature of the communists namely Wilson and his gang to destroy American banking.

Hi Gumbo..

I may can help. There exists plans for any citizen at 1970 rates in all 50 states that include pre-existing conditions and hospital advocacy all for as low as $29.95 monthly without restrictions or deductibles. All ages included.

I've owned mine since 2003 and will never part with it. I am a cancer survivor and have more benefits then I could ever use.

*prices

it’s not when they lend more money than they’ve got from clients then both banker and borrower become THIEVES! They are stealing from the rest of society.

You've asked a very broad question. There is no simple answer.

In truth, health insurance works a little differently in each state.

To answer your specific questions:
1) No, health insurance is not compulsory for everyone. If you're lucky, you are able to join a group policy at work. (If you're really lucky, it's a good policy and the employer pays at least half of it.) Some states have recently made it compulsory, but that's such a recent change that there's no clear cut answer yet for how that's going to work.

2) What happens if someone can't afford it is… they don't get it, usually. Except if your income puts you below the "poverty level", in which case you qualify for Medicaid. (In some states there are programs that typically provide assistance with insuring children, though they are few and far between for covering adults.)

3) Health insurance rarely covers all the bills when you have a procedure done. Most plans cover 50-80% after you meet your deductible. The deductible amounts vary widely (but the trend is that the deductibles are getting higher and higher to keep the premiums down.) If you're really, REALLY lucky, you don't have a deductible (which is only an option on group plans), and you may only have to pay 10% of covered charges. (These plans are few and far between. As in, you might have them if you're in Congress.)

4) Yes, the patient has some say over procedures. However, if the patient opts for an "experimental" procedure, or one that isn't deemed "medically necessary", then health insurance may refuse to cover any charges at all.

In the end, as with most things, the middle class takes the brunt of these costs. This has become such a problem that more than 50% of all bankruptcies are as a result of medical bills (and of those, more than 75% had health insurance.)

** Edited to add:
It's not ALL about the money when a procedure is involved. If it is, the state keeps track of complaints filed on behalf of consumers with "managed care" (ie. any type of network arrangement including Preferred Provider Organizations, Health Maintenance Organizations, and Point of Service organizations — also known as PPO, HMO, and POS) and may very well revoke a company's charter to do business in the state should the company be turning down too many legitimate claims.

However, insurance companies are sticklers for following the "standard" for medical care. This is what makes it difficult to answer your question. Because they should not deny anything that's considered standard for care in the given circumstances (should not and will not being two completely different things, of course.) And there may be several options that would be considered "standard." If the patient wants treatment that isn't yet considered "standard", they would balk. Period.

Well, if she's 40 and perfectly healthy, it's going to cost her about $500 a month to have a low/no deductible plan that covers checkups.

You BUY it on a month to month basis. If you want low monthly payments, you have to cut the coverage – like take a $10,000 deductible. Or higher. That would cut payments down to maybe $200 a month or less.

The older she is, the less healthy she is, the more it costs.

Your best bet, is to find a local, independent agent, who can help you balance cost with coverage.

Without FRB supply of money = supply of gold. With FRB supply of money > supply of gold.
As result price go up while bankers get their iterest rate for FREE! Borrowers can pay less interest rates. But WHOLE society suffers. FRB is a fraud!

@RocinanteSWS He just doesn’t want to sound like a conspiracy theorist and lose votes. He supports auditing the Fed. And we all know a true audit would result in the FR being abolished the next day. Even Bernanke admitted it!