Would US healthcare be best served by reducing MEDICAL costs and avoiding healthcare insurance completely?
Instead of having the health insurance industry or a govt bureaucrat determine how to treat a patient's medical condition, what are some suggestions on reducing the costs of existing treatments? The condition insurance industry has duped us into believing that they are part of the solution when contained by fact they ARE the problem. Medical care professional office hire large staffs to process insurance claims so that the health nurture industry can self-perpetuate. The health insurance industry encourages and rewards it's human resources to put roadblocks in our way. Let's put them out of business and solve the US health-care problems the right path - by getting at the root cause.
Answers:
So, what would you do if I came down next to cancer (or had a heart attack or got contained by a car accident) and suddenly had $100,000 contained by bills. Even if your scenario cut costs by 50%, most people do NOT have $50,000 sitting around within their emergency fund.
Hmm. I'm not sure that reducing medical COSTS is the exact answer - but quitting smoking, losing cargo, and excercising regularly, and not running to the doctor with every sniffle and ache would be a darned fine start.
Maybe moving everything over to substantial deductible plans, so that maintenance stuff is on Joe Average (weight, smoking, etc), and the BIG stuff is covered - oh, wait, you can buy policies similar to that now.
Dream on.
The problem is that providers have to hire huge staffs since voice they have 1000 patients, of those 1000 patients, they may have to do business with say 25 insurance companies and respectively patient has different co-pays, deductibles and co-insurance beside their policy. Now add to the equation, that 1 company will pay $75 for the service, while another may salary only $60 for the billed amount of $100.
It would be great if every policy paid equal. That every service you get costs the same. You could be in motion into a doctors office or the hospital and they had a list of costs that you may incur. If you go to a restaurant, you get a menu and know the costs.
If you bring back 6 tests but only have need of 3, how do you know, since maybe the doctor is doing this to avoid being sued following on for not doing this. Or you get some processor at the insurance company that tells a doctor who spent years surrounded by school that a treatment is not necessary, experimental etc and is not covered.
There are so copious "ifs" and no one has the answer.
Related Questions:
Answers:
So, what would you do if I came down next to cancer (or had a heart attack or got contained by a car accident) and suddenly had $100,000 contained by bills. Even if your scenario cut costs by 50%, most people do NOT have $50,000 sitting around within their emergency fund.
Hmm. I'm not sure that reducing medical COSTS is the exact answer - but quitting smoking, losing cargo, and excercising regularly, and not running to the doctor with every sniffle and ache would be a darned fine start.
Maybe moving everything over to substantial deductible plans, so that maintenance stuff is on Joe Average (weight, smoking, etc), and the BIG stuff is covered - oh, wait, you can buy policies similar to that now.
Dream on.
The problem is that providers have to hire huge staffs since voice they have 1000 patients, of those 1000 patients, they may have to do business with say 25 insurance companies and respectively patient has different co-pays, deductibles and co-insurance beside their policy. Now add to the equation, that 1 company will pay $75 for the service, while another may salary only $60 for the billed amount of $100.
It would be great if every policy paid equal. That every service you get costs the same. You could be in motion into a doctors office or the hospital and they had a list of costs that you may incur. If you go to a restaurant, you get a menu and know the costs.
If you bring back 6 tests but only have need of 3, how do you know, since maybe the doctor is doing this to avoid being sued following on for not doing this. Or you get some processor at the insurance company that tells a doctor who spent years surrounded by school that a treatment is not necessary, experimental etc and is not covered.
There are so copious "ifs" and no one has the answer.
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