Health Care Is Not That Complicated

Discussion in 'Healthcare/Insurance/Govt Healthcare' started by Philobeado, Jul 22, 2009.

  1. Philobeado
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    Philobeado Active Member

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    It is no more practical to have "health insurance" to pay for prescription drugs and routine doctor visits than it is to expect your auto insurance to pay for your oil changes and tire rotations.


    But we do.


    Consider: if a health insurance type system existed for auto insurance, it would certainly result in those quick lube oil changes costing about 95 dollars instead of something like 29. It would require an army of public and private sector bureaucrats to shuffle mounds of paper with hundreds of mouse clicks to make sure you were eligible for your lube job, that you paid your 10 dollar "lube co-pay" and that the remaining 85 bucks was eventually approved by a Chevy lube specialist underwriter.


    We won't even mention the fact that your wait in the quick change waiting room would likely resemble the long wait in a doctor's office, as every other customer transaction would become the paperwork root canal yours is.


    (And of course, those who do not have "lube insurance" or the 95 dollars in cash to pay for the lube, will go to the emergency engine shop where they will gum up the works for real emergencies and their lube can be done at no charge to them. This is also known as a different kind of lube job to those of us who pay our own way, who will get hit with a 1200 dollar tax tab for their "free" job.)


    Thus, our healthcare dollars get eaten up by processing claims and indigent care.


    Bottom line? The confusion between "health care" and "health insurance" as public policy issues -- along with the near universal misunderstanding of what health insurance is (or should be) -- is making what should be a rather simple financial planning market solution a national nightmare.


    Moreover, the nuanced difference in the language used has turned the issue much more emotional and much less rational, politically. We say we must reform the system to prevent families from going bankrupt over medical bills, then turn around and debate systems that micro-manage the costs of pills and routine check ups. Well, which do we really want to do? Those are entirely different issues.


    The problem begins with the almost universal misapplication of the terms. Health insurance does not insure your health, nor was it ever intended to. Health care insurance, formerly called "medical insurance," is merely an instrument of neutralizing risk. Financial risk, that is.


    It was brought about by a need to insure a family's assets against a dread disease requiring care so expensive it would wipe that family out financially. As a strictly financial planning endeavor, the issue never seemed to be discussed in terms of being "a right" or in terms of "compassion."


    But "medical insurance" as a component of financial planning has morphed into "health care" as a right for everyone in the new political parlance. And not only is the insurance a right, but the insurance should be "free" and it should cover everything from routine care visits to erectile dysfunction to ADHD to gender re-assignment surgery.


    Yes, gender re-assignment surgery. I'm not sure even Ayn Rand saw that one coming.
    American Thinker: Health Care Is Not That Complicated
     
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  2. auditor0007
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    auditor0007 Gold Member

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    I have to agree that the insurance system has created a debacle. Because of my pre-existing conditions, I can't get normal health insurance at anywhere near a reasonable price. To top it off, what has really ticked me off is that when I tried to get an appointment with a specialist, I was told I had to see family doctor first to get a referral before they would see me.

    Now, this would be understandable if I had never had a specialist before and wasn't sure that I needed one, but I just wanted to transfer from one GI to another GI, but because I'm in a different state, I first need to see a family doctor, just so I can pay him/her for writing me a referral to see a GI that I already know I need because I have a bad liver.

    Those are rules the insurance companies require, but the doctors force you to follow those rules even when you're paying cash. So now I'll wait one month to see my new family doctor, and then at least a couple more months before I can see a GI. After that it will take at least another month before they'll have me set up for my routine phlebotomies, and again, I'm paying cash.

    The insurance industry is running the entire show, and you are 100% correct; they have driven costs through the roof. Insurance should be insurance, covering only major medical which means hospital stays and major surgery. The bottom line is that none of what we are doing is good for the health of Americans. We deny even catastrophic coverage to anyone who is already sick, and the cost for everyone else has gotten so out of control, we are finding more and more without a way to pay for what is available.

    If there weren't any roadblocks in the way, I could be treated for around $2000 per year barring anything catastrophic happening. But the way things are set up, it cost nearly $6000 for my basic treatment.
     

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