Is Health Insurance Worth It?

Current health insurance options don’t make sense for many Americans. Why pay high premiums for services that you don’t even use? Health insurance does make sense for catastrophic events like a traffic accident injury that could bankrupt you if you aren’t covered. It does not make sense to pay insurance for typical doctor’s office visits that you probably won’t even use during the year.

The following is a dialogue between me and my uninsured son after he returned from the pharmacy yesterday.

“Dad, medicine is so expensive. It cost me $90 for one month of these pills!”

“Yes, that is a bit of money, but as I always say, an investment in your health is the best investment you can make”

“I know, but this is killing me. Shouldn’t I get insurance so that I won’t have to pay these high prices?”

“Yeah, that’s one option. Insurance like that might cost you about $700 a month in premiums. So yeah, I guess you could fork that over every month so you can go to the pharmacy and get those pills for free”

“Hmm… Actually doesn’t seem very free when you look at it like that.”

“Yes son, that is the great fallacy of health insurance”

Do you pay car insurance so that you can get routine oil changes and repairs for free? No! Health insurance should be run the same way. We need more high deductible, catastrophic plans so that people can afford health insurance and doctors can compete on prices for routine services.

-Raymond Kordonowy, MD

Click here to see my prices for medical services.

About thedoctorsreport

Dr. Kordonowy is board certified by the American Board of Internal Medicine and has been in private practice since 1993. His group practice is in Fort Myers, Florida. His website is: He earned his degree from the University of Kansas School of Medicine in Kansas City, Kansas and completed his residency as Chief Resident at Orlando Regional Hospital System. As Chief Resident, Dr. Kordonowy was recognized as the Outstanding Resident by the American College of Physicians. He is a member of the American Medical Association, American College of Physicians, and the American Society of Internal Medicine. In December 2005, Dr. Kordonowy became Board Certified in the new field of Clinical Lipidology by the American Board of Clinical Lipidology. Lipidology is the specialty of diagnosis and management of cholesterol and triglyceride metabolism disorders. Cardiovascular disease risk assessment is also part of this specialty. He now serves as president of the Independent Physicians Association of Lee County. He is active in the Lee County Medical Society, the Florida Medical Society , the Florida Lipid Foundation, National Lipid Association and the American Medical Association.
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