That's the case for nurse practitioner, physician assistants, and other mid-level providers. They can handle routine stuff and also recognize when something is above their pay grade.
Of course they can. But more often than not, I still somehow wind up with a doctor standing in front of me. And I don’t complain, because the cost is aggregated & obscured from me via the bizarre payment scheme that exists for medical care in this country.
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In socialized healthcare in Sweden you ~never got to see a doctor. People routinely lie to get to meet someone beside overworked nurse. When I got to US I was stunned to get to meet a real doctor on my first visit. US system over .se any day even if incentives are skewed here too
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It depends on your provider, but many are doing email, phone, telemedicine for this exact reason. But I’d argue the majority of your monthly premium is that you’re pre-paying for all the possible futures where that routine checkup becomes catastrophic and/or chronic illness
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