What you get after a period of time is the privilege of asking the company, in writing, if they will consider its removal. Few people ever tag their calendars five years ahead to remind them to make such a request and without it the rider is still in force. Even with it, removal is usually a company option. Rising Costs in Medical Care Insurance, almost alone, is the factor contributing to the inflated wealth of the medical and hospital communities. If doctors and hospitals could charge only what their patients could and would pay out their pockets, the cost of a doctor's visit and a hospital stay would be drastically reduced.
Insurance makes it possible for the doctor to be separated from the patient's ability to pay.
Plus, a patient's complaint of overcharges or being charged for services not rendered will usually fall on very deaf ears because, simply put, the carriers are also separated from the individual patient's specific complaints. They get their money without being responsive to demands or requests by their insureds. His net is about the same because private insurance or the government, at one level or another, pays for expenses, his place of work, his assistants, and his equipment. Opportunists would be a better description than sacrificial lambs. At the base of all insurance is trust.