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Comment by jayknight | Hacker News Reader

You pay extra for a doctor's opinion. Probably not covered by insurance.

That's horrific. You pay insurance to have ChatGPT make the diagnosis. But you still need to pay out of pocket anyway. Because of that, I am 100% confident this will become reality. It is too good to pass up.

Early intervention is generally significantly cheaper, so insurers have an interest in doing sufficiently good diagnosis to avoid unnecessary late and costly interventions.

People will flock to "AI medical" insurance that costs $50/mo and lets you see whatever AI specialist you want whenever you want.

Think a problem here is the sycophantic nature. If I’m a hypochondriac, and I have some new onset symptoms, and I prompt some LLM about what I’m feeling and what I suspect, I worry it’ll likely positively reinforce a diagnosis I’m seeking.

I mean, we already have deductibles and out-of-pocket maximums. If anything, this kind of policy could align with that because it's prophylactic. We can ensure we maximize the amount we retrieve from you before care kicks in this way. Yeah, it tracks.

It sounds fairly reasonable to me to have to pay to get a second opinion for a negative finding on a screening. (That's off-axis from whether an AI should be able to provide the initial negative finding.)

If we don't allow this, I think we're more likely to find that the initial screening will be denied as not medically indicated than we are to find insurance companies covering two screenings when the first is negative. And I think we're better off with the increased routine screenings for a lot of conditions.

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