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Every time I hear something is free, I wonder, free at what cost?  I know that sounds silly, but I was always taught there is no such thing as a free lunch.  One of my favorite phrases is from the Broadway Show Les Miserables.  In the scene called Master of the House, the character sings, “nothing gets you nothing everything as got a little price.”

The Health Care Reform Law has been a reality for almost one year now.  Some love it, some hate it.  The ones who love it say one of the benefits is Free preventative care.  You now get free mammograms, free PSA exams, immunizations are free.

Free at what cost?

This week United Health Care raised rates, despite the fact that they have a one year rate guarantee.  They decided that eight months was enough.  I have had about a dozen clients get increases this week.  The amount varies, but it seems to average out to be 11%.  Is that the cost of free?

I am guessing that the thought behind the “free” preventative services is that people would get themselves checked out, see a doctor more often, and maybe take better care of themselves.

I do not know about that, maybe.  My grandfather was a doctor.  He died in 1992.  I have not seen a doctor for a physical since.  I have not been without insurance the entire time.  If I am not sick, I do not go.  I do exercise and take care of myself though.  Today I woke up with a sore throat.  I do not need to see a doctor yet, I did take some medicine and some vitamin C.  That is a form of prevention.

On my car, my auto insurance does not pay for preventative, but I get my oil changed every 3000 miles.

I do not mind paying for an oil change, nor would I mind paying for a physical at the doctor’s office if one was needed.

So I as you, what is the cost of free?

Thanks for reading.

Eric Wilson is the president of I Sell Health, Inc.  A Chicago are insurance agency.  You can reach him toll free at 888-448-5370