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Insurance Companies want to make money by being third party payers. Our health care system would be much different if patients had to pay their health care providers directly.
Because everyone wants it but no one wants to pay for it. Disallowing pre-existing exclusions while excluding an individual mandate invites moral hazard. This is not a sustainable solution.
Bob: There is no way a large percentage of the population can pay for their health care when significant problems arise. People will not be able to afford what they need. Price signals cannot work in this sort of situation.
The current system is hard wired to sustain itself. Millions of billing, coding, and administrative jobs would be eliminated with a single payor system. But herein lies the cost saving needed to make quality care more affordable.
Our whole economic system supports corporate growth and wellbeing rather than focusing on the consumers wellbeing and best interest. Healthcare is just one small part of that massive system. You can't create a totally conflicting mindset in just one part of the system and expect it to succeed against the rest of the system.
Insurance companies have been the problem. Blue Cross use to be the crown jewels of the industry. The best companies, school districts proveded high quality healthcare. We as a county need to see the value of having healthcare for all and not allow the drug,hospital equiptment, and insurance CEOs call the shots and control the price of health because they only care about profits.
The exhorbitant cost of government mandated coverage, combined with the administrative costs of following government regs and the massive cost of malpractice insurance all add up to huge rake out costs that force prices higher.
Simply put, Healthcare is not health insurance. The debate in our country has not been about health care so much as it has been about insurance and who is and who is not covered. Taking this into account and the fact that insurance companies negotiate with providers of services and equipment and often times the end-user is not allowed the opportunity to negotiate with a supplier or provider. This by proxy allows the insurance companies to control the marketplace to a large extent. Which leads me to my next point which is very simply if the insurance companies aren't willing to pay for a new treatment or technology then it simply will not be available to the General Public. This means that in regards to healthcare Innovation it has to pass some litmus test will the insurance companies along with federal regulations. This level of complexity in regards to shaving changes in healthcare that are beneficial to those who need it makes it not quite as profitable as it needs to be for the company to actually spend the money on research and development. What makes innovation in healthcare so difficult, it's all about the money and who has control of it.
It’s because regulations have placed restrictions on good sound alternatives to to government programs and also its the political climate that prevents innovation.
When you don’t pay for a single thing a simple headache can require a CT scan or any other of the thousand of procedures dictated by the insurance companies before recommending a Tylenol!
The attacks on health care insurance companies is justified. The cure is not more private insurance, but less. We need a health guarantee from us, the people, through our government. Health care is a right, not a commodity.
Ugh. This site is just another group of conservatives promoting timid solutions unlikely to help lower income Americans get much needed health care.
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