The health care system in the United States is all about profit rather than actually helping people. Only greed drives it, plain and simple and anyone who doesn't agree with this is only deluding themselves. The U.S. spends more than any other country per capita on health care. These record-setting per-capita payments fail to cover half of working-age adults, and the people who can actually afford them get access to some of the worst care among OECD nations.
It's time to face reality people.
Development: US fails to measure up on 'human index' | World news | The Guardian
3rd Party Payer Ring-around-the-rosy Nirvana.
We could fix this real fast.
1] Patient seeks service, must pay for service.
2] Provider looks patient in eye and says, 'That will be $x'
3] Patient deals directly with his own insurance company, county welfare office, his bank account, or wherever the actual funds to pay for his/her service actually come from.
4] Provider never deals directly with patients insurance company, in fact, has no idea if patient has insurance or not, and to go along with HPPA, a new set of legislation forbids provider from even asking if patient 'has insurance' before giving him a BILL or QUOTE for services. Providers publish their fees for services, period.
5] Patients know damn well what services cost, because they directly pay the THIS IS A BILL from whatever source they have (insurance, welfare, bank account.)
6] No more of this "I can charge this person more because they have insurance, I can charge this person less and make it up by shifting cost to someone who gets THIS IS NOT A BILL and never even reads it.
This will lower health care costs FOR EVERYONE WHO PAYS FOR THEM -- individuals, businesses, insurance companies, welfare agencies. Providers will no longer be insurance claim processing mills. They will be providers of services to patients who they will bill for services. The current mill is economically 'efficient' only in destroying the marketplace.
3rd party payer ring around the rosy has BROKEN THE HEALTHCARE MARKETPLACE. It is compassionate as well as economic INSANITY. The normal checks/balances of the market ARE NOWHERE IN SIGHT.
And, in typical tribal fashion, we are toying with the concept of THROWING GASOLINE ON THIS FIRE by 'universally' embedding the concept.