he does not know how much it costs to the insurance company...
he only knows how much it costs to him...
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how much he paid out of pocket is not the same as the cost. if he had to buy his own insurance policy, that too would be factored into the cost.
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as for waiting to see a doctor, if you have a physician that you regularly go to, they usually see you right away. another reason why access to preventive care is so important.