Boat Guy
Well-Known Member
- May 15, 2013
- 2,289
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@alnav
@FootballFan
Ask yourselves, where is the true advocate, financially, for the patient? Where in the system that you are paying for, does someone have your financial interests aligned? Anywhere? Is your insurance company containing prices to save you money or are they squeezing the providers so they can simply make more money? Do you think "gov't-managed will be your advocate?
The system is designed to be confusing and burdensome. The most horrible thing about it is, people are usually to stressed dealing with their medical issue to deal with the crap, bills, and paperwork to fight it...
It should be embarrassing to members of Congress that the number one reason people file for bankruptcy in this country is due to healthcare costs....In my opinion it's disgusting and criminal and I hold Congress accountable.
Where are our advocates?
Yes, I've thought about it, and yes I have a solution.....Personally, I think it solves all the issues but might need to be tweaked...
1. Create a non-profit "Co-op" style National Health Care insurer....Non of this state by state BS they hide under....Not Gov't run, but non-profit "co-ops"... The co-op acts as an advocate for their members and negotiates the best prices with providers nationwide.
2. The healthcare professionals can still earn in a capitalists system and compete. They still have the opportunity to be successful, but this over-watch from the "co-ops" will likely require the hospitals to run efficiently or fail and remove some layers of administration.
3. Providers do not send bills to the patient, but to the "co-op" that consolidates and corrects any issues and you pay any co-pays, etc. direct to the "co-op" so you receive one consolidated bill for care instead of 10 for all the diff.BS things they did. (Labs, ER, Doc, Hospital, Scans, etc.)
4. So you don't receive 10 confusing "Statement of Benefits" that don't match up with bills, you simply log into your "co-op" account and check the complete statement and running totals.
5. If you can't pay your co-pays the "co-op" can (doesn't have to) provide financing or you deal with it yourself.
So, insurers of today would become dinosaurs and the "entities" that replace them are more all encompassing advocates that consolidate patient advocacy at the bedside, financially, and management.
Think about it....We pay premiums to companies that don't care at all about us...It is in their best interests to deny medical procedures and contain costs. Not so premiums go down, but so the CEO can claim $.01 EPS and get his/her $5M bonus....
F'em.....
Why is this so hard to figure out? I could fix this in a day....
Go ahead, tear it apart.....
My solution, at least partially, .... Then, every employed individual would be on their own to select insurance or pay for the care they consume. It's the only way in my mind to create a true marketplace and competition. I think the only other way to solve it is Single Payer, government-managed cost control (i.e., the Democrat solution).
@FootballFan
What is the solution?
Ask yourselves, where is the true advocate, financially, for the patient? Where in the system that you are paying for, does someone have your financial interests aligned? Anywhere? Is your insurance company containing prices to save you money or are they squeezing the providers so they can simply make more money? Do you think "gov't-managed will be your advocate?
The system is designed to be confusing and burdensome. The most horrible thing about it is, people are usually to stressed dealing with their medical issue to deal with the crap, bills, and paperwork to fight it...
It should be embarrassing to members of Congress that the number one reason people file for bankruptcy in this country is due to healthcare costs....In my opinion it's disgusting and criminal and I hold Congress accountable.
Where are our advocates?
Yes, I've thought about it, and yes I have a solution.....Personally, I think it solves all the issues but might need to be tweaked...
1. Create a non-profit "Co-op" style National Health Care insurer....Non of this state by state BS they hide under....Not Gov't run, but non-profit "co-ops"... The co-op acts as an advocate for their members and negotiates the best prices with providers nationwide.
2. The healthcare professionals can still earn in a capitalists system and compete. They still have the opportunity to be successful, but this over-watch from the "co-ops" will likely require the hospitals to run efficiently or fail and remove some layers of administration.
3. Providers do not send bills to the patient, but to the "co-op" that consolidates and corrects any issues and you pay any co-pays, etc. direct to the "co-op" so you receive one consolidated bill for care instead of 10 for all the diff.BS things they did. (Labs, ER, Doc, Hospital, Scans, etc.)
4. So you don't receive 10 confusing "Statement of Benefits" that don't match up with bills, you simply log into your "co-op" account and check the complete statement and running totals.
5. If you can't pay your co-pays the "co-op" can (doesn't have to) provide financing or you deal with it yourself.
So, insurers of today would become dinosaurs and the "entities" that replace them are more all encompassing advocates that consolidate patient advocacy at the bedside, financially, and management.
Think about it....We pay premiums to companies that don't care at all about us...It is in their best interests to deny medical procedures and contain costs. Not so premiums go down, but so the CEO can claim $.01 EPS and get his/her $5M bonus....
F'em.....
Why is this so hard to figure out? I could fix this in a day....
Go ahead, tear it apart.....