I'm sick of debating ObamaCare. Why do you think our healthcare system before it was viable despite all the evidence of the contrary?
Our health care system is very good.
It's our insurance system that is a mess.
The insurance companies pay claims.
Do you guys understand that all they do is pay claims.
FROM the Government!!!
FACTS. 80% of Premiums MUST BE PAID for CLAIMS
The 80/20 rule requires insurance companies to reveal how much of premium dollars they actually spend on health care and how much on profits and administrative costs such as salaries and marketing. Now, with the implementation of the 80/20 rule, consumers can see how insurance companies spend their premium dollars and make more informed decisions when purchasing health insurance. The 80/20 rule will become even more important beginning in 2014, when consumers and small employers will have access to state-based competitive Health Insurance Marketplaces (also known as Exchanges) where individuals and small businesses can use the 80/20 information to compare the value of health insurance plans.
https://www.cms.gov/CCIIO/Resources/Files/Downloads/mlr-report-02-15-2013.pdf
Do you idiots understand then Insurance companies MUST PAY out of every dollar in premium 80% to a doctor, or hospital for any claims submitted.
THEY MUST!
Do you all understand that as a result .... LISTEN READ!!! Insurance companies don't care!
They simply show that the spend 80% and if that means RAISING premiums
they do!
So that being said why don't we all agree that as the doctors have told us READ again... Doctors tell us they send to insurance companies claims for services that
are WASTED! WHY??? Because these claims are for duplicate testings, for 2nd opinions, on everything... removing a splinter for example the family physician might
because of fear of lawsuit send the patient to a specialist! Again all because they FEAR LAWSUITS.
PLEASE read the study that proves that doctors think they send between
$600 Billion to $850 Billion a year in wasted claims to insurance companies.
READ THIS STUDY!!
http://www.jacksonhealthcare.com/media/8968/defensivemedicine_ebook_final.pdf
90% of physicians surveyed say they order
$850 billion a year in wasted duplicate tests, referrals all out of FEAR of being SUED!
--- Emergency medicine, primary care, and OB/GYN physicians are most likely to practice defensive medicine.
--- 79 to 83% of surgeons and OB/GYNs have been named in lawsuits.
"Physicians contracted by the federal government practice significantly less defensive medicine as they are protected against lawsuits by the
1946 Federal Tort Claims Act. "
-- BUT........Only 48% practice defensive medicine compared to 92% of non-government physicians.
Consider that fact that of the physicians interviewed 52% DID NOT practice defensive medicine!
Who were they? Doctors contracted by federal government!
WHY did these doctors NOT practice "defensive medicine"??? 1946 Tort reform!
TAX lawyers 10% of their $270 Billion and use that and pay the annual premium for the 4 million that truly need health insurance.
As a result if the
$850 Billion defensive medicine claims goes down, the tax goes down! Simple as that!
Then as the insurance companies have to show state regulators they are spending 80% of their premiums BUT because if even $200 Billion in wasted defensive
medicine claims go down THAT percentage goes down. As a result INSURANCE STATE REGULATORS WILL FORCE LOWER PREMIUMS!
THAT SIMPLE!