Quote:
Originally Posted by neg3sd
http://www.businessweek.com/articles...ance-companies
The insurance model doesn't work.
http://www.bing.com/search?q=michael...logo=CT3210127
Michael Moore is against Obamacare. Moore says Obamacare is awful. He wants single payer.
John Stossel says no third party payer model works. People need financial skin in the game.
Republicans have offer healthcare accounts. Think that only works for the top 20%.
They need to develop a model like a computer game. Everyone can buy(or is given) 100 credits per month. Each person would to able to use his credits as he pleases.
Where do you think the bulk of non-prescription medical costs lie? Something like 60% of people admitted to hospitals come in through the E/R. Very expensive costs with very little time to "shop". I believe people significantly overestimate how different things would be if consumers directly paid for everything. Not to mention the massive stress you burden people with of making huge financial decisions when they are criticially ill.
Everyone who thinks this would matter should consider their healthcare costs for 2013 and pinpoint the areas where this would affect change. Shopping Primary Care Physicians to save $15 a visit is not going to do it. Yet they are the ones who would likely suffer the most from this direct interaction, yet they are the one area of care that likely needs to be paid more.
Medical areas not covered by insurance, ie many elective procedures, are still often expensive even with the consumer directly paying for the service. There is only so much give.
So I have a stroke and a family member calls 911. An ambulance is dispatched.
*STOP*
Do we ask for quotes and etas and yelp ratings or take first available?
So we get the first available ambulance. The EMT determines I had a stroke. My family asks me to be taking to Neglie Memorial Hospital because we pre-shopped emergency room care there and got a great family plan.
EMT says, "No go. Neglie does not have a stroke center, you have to go to Ike Presbyterian, as they have seen more strokes than all the other hospitals combined."
Get to the hospital and they are going to want to run some tests. Is my family going to haggle over every test? Will we have our certified medicine advocate come in and argue the cost and selection of what is to be done?
While all this is going on the timer for the stroke treatment protocol is ticking. Should we haggle some more?
The reality is these kinds of monetary issues should not be an issue for the patient or doctors during emergency care.
Not to mention you have no bargaining power because you are already at the hospital. On the other hand doctors are not going to be negligent and let patients die. So where is the big cost savings going to come? Sure we have emergency room visits by people not having emergencies but that eventually goes away with third party payer covering everyone.
Show me the money. We all know the hospital is the centerpiece for expense. I do think the medical device industry is one that could use reform, but that reform does not have to be direct pay.
Consumers need to use their collective leverage to fight health care costs. There is no leverage to be had by the individual.