I believe in deductibles. I don’t believe that general doctors visits, teeth cleanings, general wellness care should be covered by “insurance”. I don’t even believe that most medical tests should be immediately covered by insurance.
Paying for your own health care costs is a good thing, it makes you think. There is over $700 billion spent on unnecessary medical tests every year. Beyond cost these tests can lead to a great deal of pain and suffering on the part of the patient. (Here’s a newsflash, not everyone over 50 should get a colonoscopy, for people with certain conditions the risk of perforation is simply too high).
I know a lot of people don’t want to second guess their doctors, but you really, really, really should. They are human, they don’t know everything — and in many traditional health care scenarios they make more money when they advocate more testing (also, they may get sued if they don’t advocate the test…but that is a subject for another day).