More doctors need to follow this lead.
Can be used with high-deductible insurance. You can still file the claim yourself, even if you pay the doctor cash. Once you reached the deductible limit (paying with HSA), the normal insurance will kick in. With $8,000 limit that must be pretty serious stuff anyway.
Then there's the usual benefits, one of the main points of leverage employers would have over any of their employees who drive or are even thinking of driving, is that in fact en masse the employer could ensure these workers for oil changes for a tiny fraction of that list price. Maybe as low as only $500-$800 per month.
This keeps people from being "self-starters" who fail to produce value for large companies, instead they would have to negotiate with our federated program on a per-individual basis.
But there is a big problem with both of the above utopias: unlicensed practitioners. Sure, if you look at the third world where people are free to try to put whatever they want into their cars, anything from sand to little pieces of plastic toys they melt down - at great risk to all drivers on the road should the cars explode, not to mention to themselves - the oil change prices are very low. Barely the cost of oil that has next to no research into it, plus labor that is about the skill-level of a barber in the middle ages. They do not have 14 or even 12 years of schooling, nor debts even reaching $200K let alone an amount that would motivate them to keep charging the federated prices.
So the first step toward utopia is really, we have to clamp down on unlicensed car washes and oil changes. We need a board certification that includes deep understanding of all parts that make up a car, from basic metallurgy to internal combustion and battery technology chemistry. Yes, some people will wash out of metallurgy classes, or projectile calculus, but are these really the people you want taking care of your only means of transportation?
Transportation is literally one of the few things that separates us from people in the middle ages, allows us to live and work more than a few meters apart, and enables us to live meaningful lives. Without transportation, we have nothing.
So it makes sense to clamp down on the unregulated practices related to serious procedures such as oil changes as well as elective, cosmetic procedures like a car wash. Where the prices are such that certain individuals might not be able to bear the full burden, that's EXACTLY what insurance is for!
There's a reason pretty much no developed nations have opted to be without universal healthcare.
Failing to get routine medical care, on the other hand, does increase the risk of conditions that insurance does cover. Hence, the insurance company does care about my routine medical care, and so covers it to encourage it.
This is why my health insurance company constantly sends me emails with fitness tips and other health suggestions, whereas my auto insurance company has not once sent me any tips on washing my car.
You could use the Mazda model for regular check-ups, but what about the other little stuff? We don't want people saying "My chest pain is feeling better now. I'll save the $75."
Lots of common things people imagine "save lives and money" do neither. Vaccines and pap smears are great, but most things aren't.
Surely you could accomplish the same thing with health insurance?