@Scott 2 - if you don't mind me asking, what are you going every 3 months for? Most info I can find says irreversible damages (ex. cavities) take years to form, and in advanced cases (bad brushing + high sugar + genetic predisposition) maybe down to ~6 months. Are there any particular services you find useful on a 3-month interval?
@jacob - at least I'm not alone on thinking it mostly theater. My insurance is similar, but my employer tried for carrot instead of stick ($500 deposited to HSA if you get an annual physical).
Though I don't seem to have enough charisma to pull off "is this really necessary?" without nurses getting very upset. Some months ago I got sick and asked "is taking these antibiotics necessary?", where I was trying to say "I have a high pain tolerance and good immune system and would like a professional opinion on how much antibiotics will help (in a world where antibiotics are overprescribed)", but the nurse seemed to interpret it as "I deny science and all its works, don't even bother explaining anything."
I think I also have a tainted view of some preventative medical care from personal experience. Ex. every ~2 years during a screening my mom is told she almost certainly has cancer, and is sent for multiple tests and a surgery, only for it to turn out that she, again, is completely cancer-free.
Bayes's theorem strikes again. Screenings are useful, just (probably) overdone.
@theanimal - my local lab will do comprehensive blood for $170, and my health insurance would make it "free", so sounds about similar to your access. The only negative is externalities.
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I wonder if the real problem here is just that health/dental care tends to filter the wrong way for conscientiousness.
Low-conscientiousness people probably
do need someone to check their blood and talk about lifestyle choices, but are less likely to do the annual checkup. High-conscientiousness people probably eat & act healthier and are faster to go to a doctor if there's an actual issue, but also are the ones going to the annual checkup. Incentives for everyone to do routine health/dental care makes it more likely for low-conscientiousness people to get resources that are actually helpful to them, but as a side-effect wastes a lot of resources on high-conscientiousness people for whom more health care is neutral or negative.
Similarly for dentists... the people that most need dental care (don't regularly brush, live off sugar) are also the people
least likely to be visiting a dentist every 6 months.