Not just untrue, but completely untrue.
No, it's completely true. I understand that you don't have the first clue about this stuff. But that doesn't make it untrue. You're better not to wade into these waters. You don't know how any of this works. You haven't the first idea.
Funny how we just passed a law that is designed to completely remake the health care market and you want to argue that the government is not the one that is responsible for everything that they have done to screw up the market.
Oh, so things just got bad? Where have you been? The problems have been there for a very long time.
Really? When I pay the insurance company my money actually goes to the insurance company?
Why can't you simply be honest about what people are saying, instead of misrepresenting their statements just so you can tear down the straw man? How about you address what I actually said, which is the fact that the insurance companies pay THEMSELVES for your health care, more than they pay to the doctor. If your policy covers $20,000 in health services, you'll only receive about $6,667 in services before they cut you off. It's like going to the grocery store to buy a gallon of milk, and the store taking back 2/3 of the gallon after you've paid for it. No wonder it's so damn expensive anymore.
No other alternative? really? They are forced to do business with insurance companies? Does that include the doctors that take Medicare/Medicaid? Or the ones who accept indigent patients at no charge? How about the ones that accept cash?
In the grand scheme of things, the amount of patients who either pay cash or are seen by a doctor free of charge is a miniscule minority. And these patients end up having limitations on the total care they can receive. Now, if we move on and actually address what I said, most patients will not have their health care needs met by a singular doctor. There will be times when their primary care physician needs to refer them to a specialist.
Why does that matter? Well, I've already explained it, but I'll try one more time with a slightly different example. Let's say that you have catastrophic coverage, and you pay for primary care out of pocket. Your primary care doctor refers you to a specialist because you've developed an odd grown somewhere on your body. The specialist diagnoses you with cancer, and prescribes a treatment regimen, which is going to end up costing $100,000. But guess what? You think that your catastrophic coverage is going to cover it? Nope! You know why? Because the referral didn't come from a doctor that the insurance company does business with. So, they're going to reject your claim, and make you pay out of pocket for EVERYTHING. And if you try to go back to a different doctor to get the initial referral, do you know what they are going to say? They're going to REJECT your claim, as a pre-existing condition! Because now they have evidence that you knew you had cancer before you ever sought treatment.
This is how the insurance companies essentially force doctors to do business with them. Because under such limitations a doctor cannot sustain his business. Would you go to a primary care doctor, if that's what was going to happen to you if you ever became seriously sick or injured? Of course not.
I expect that, at some point, you are going to tell me insurance companies actually make money off of people.
When have I ever said anything against people making profit? Point out one time.
OTHERWISE SHUT THE **** UP AND STOP PUTTING WORDS INTO MY MOUTH THAT I NEVER SAID, PAINTING ME WITH A FONT 7 SIZED BRUSH TO COMPLETELY TWIST AND MANIPULATE MY WORDS INTO SOMETHING THEY ARE NOT.
Doesn't exist? Insurance companies can actually control reality? Or do we actually live in a matrix where people only see what the computer wants them to see?
This is your favorite M.O. isn't it?
If your girlfriend actually manages a doctors office, why don't you ask her how much time the office spends filling out forms that are Medicare compliant, and then ask her how much they would save if patients came in and paid for doctor's visits out of pocket.
Actually, we've had this discussion already several times. The number one drag on the office's resources is THE INSURANCE COMPANIES. I see you've completely ignored how she spent nearly 48 hours just battling with them over one patient, who nearly died in the process. Medicare has nothing to do with this discussion.