What's The Big Deal

I just have to vent about this. What's the big deal about doctor office co-pays? People act like they are gold! Do you know that on average you will pay an additional $100.00 to $150.00 a month more for these little gems? Here is an example of a plan that I did for a family of four;
The Plan
Deductible: $5000.00
Rate: 50/50
Co-insurance: $5000.00
Total out of pocket for the family for USUAL & CUSTOMARY THINGS: $20,000.00
Dr. Visit Co-pay: $35.00 unlimited for all family members
RX: a 0 deductible for all generic drugs with a co-pay of $15.00 & then a $500.00 deductible to be met for brand name drugs & then a co-pay of $25.00
Lifetime Max: $8 million
Rate Increase: frozen for 24 months
Accident & Critical Illness Coverage: $10,000.00 per person per accident with a $100.00 filing fee (no limit on this ) & $10,000.00 for you and your spouse per critical illness with no filing fee. So, if you should have a heart attack, a stroke, cancer, kidney failure, etc, then you are safe! This means you have a basic zero out of pocket.
Premium: $785.62 per month or $2356.87 per quarter.

Now, the same plan minus the doctor's visits would be $604.00 a month or $1812.00 a quarter. That is a savings of $2172.00 a year! So I asked this client if they were spending $2172.00 a year in doctors visits? "Of course not he bellowed." "But I want those doctor office co-pays and if you can't give them to me then I will go to someone who can." So, after much deliberation I said good-bye because this is throwing good money after bad and thinking that you need this and knowing what you really need are two different white elephants. If you have to go to the doctor that many times then you better take a look at your lifestyle and the medications that you are on. There are always alternatives. Peace, Margie