@Stevil Now your the second

@Stevil What's a copay?

@Stevil What is its significance to health services? Is it the same as what we call the gap ie. The doctors fee greater than the schedule fee stipulated by Medicare or a private insurance fund - different terminology from Australian perhaps?

@FrayedBear It's an agreement in the terms of your insurance. They agree to pay your doctor a certain bit, the insurance has a set amount called a co-pay that you pay your doctor to balance the doctors fee. This also applies to the pharmacist, or hospital, and dentist if that is part of your insurance coverage. It is one of many ways the insurance companies fuck us. I have simplified this explanation but this is the gist.

@Leutrelle thanks. What we refer to as the gap. All a load of political nonsense and profiteering buffoonary. Insurance works by the uninsured putting money into a pool of money to cover the cost of providing from the pool the cost of the insured item or service. In the case of health insurance unlike car or fire damages that have to be determined and assessed after the insureable event health insurance is for the purchase of a specific service or task. If that is predetermined eg. The going rate for a vaccination is $100 then the pool has to contain funds for the total number of people insured for that event. The unknown occurs when an epidemic breaks out particularly of a previously unknown disease like HIV or Ebola. However it is statistically calculable as to what numbers will be affected. Therefore it should be a simple matter to build up the reserves to cater for that. I suspect however that greedy demands for ever growing profits prevents that from occurring. That allied to the failure to contractually ensure that professional monopoly price fixing doesn't occur thus allowing fair price competition and costs being stable over a given period of indemnification result in your copays. Either way- copay or no copay the consumer will always be taken for a ride by avaricious unionised medical practitioners and profiteering insurance companies who rarely go bankrupt.

I did grin the whole time

@Smackme LOL. You think that creepy? You should see some of the onlookers!
Hehehe. No seriously you are not alone there are quite a few men and women who get scared ...

@Paul628 I love that movie!

Two drink minimum. LOL