Location: The place that Harry Henderson calls home....
Posts: 1,672
Eliminate Insurance Companies??
An example....
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Had to run the 3 year old to the doc yesterday, the wifey was concerned with a nasty cough the little one picked up over the weekend.
When we called, we asked if anything was going around---of course we got the "bring her in so we can be sure" routine.
Get there, and our doctor replies, "Yeah, that cough went through my household last week, it's been around for about 2 weeks now. No big concern, as long as there's no fluid in the lungs and no fever."
Because we have moved so much over the last year, and because we rarely go to the doctor's office, we have kept the same doctor---what was a 15 minute drive is now a 50 minute drive.
So I ask, "Doc, you know we live like an hour away. Why couldn't the nurse/receptionist just give us the scoop over the phone?"
With a huge dejected look on his face he slowly says, "Insurance...if we give you, quote-on-quote, "not entirely accurate information" over the phone, and something bad happens, it opens up our entire practice to malpractice suits. Our malpractice insurance just went up, just like everyone else's in the state...we pay a huge sum every quarter..."
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I was just wondering...how drastically would healthcare be scaled back if we eliminated all health & malpractice insurance . I have many friends from Europe, India and Southeast Asia, and few to none of these countries have any problems providing healthcare from the poor to the rich, with little waiting times and minimal costs.
The big difference...lack of malpractice and health insurance. Without health insurance, many people would stay home for the simple cold. Without malpractice insurance, you can bet your arse doctor's would get it right the first time, every time...
What's your thoughts, in this quickening election period?
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"The first requisite of a good citizen in this republic of ours is that he shall be able and willing to pull his own weight." Theodore Roosevelt
Strut ,
most of the countries where malpractice insurance is non-existant have socialized medicine , which is also why they have no health insurance either . Everybody pays through the nose in taxes so that everybody can go to the doctor .
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Kevin Haendiges
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I hate that happened to you guys. What a pain. But it's hard to blame the doctors (which I know you aren't). I think that health insurance and malpractice insurance are two different issues.
The concept of health insurance is great. After food and shelter, it's the most important expenditure a family can make. Fraud is what makes it expensive (along with those who choose not to have insurance).
My solution:
1. Get rid of Health insurance.
2. Tort reform- limit lawsuits and have plaintiffs pay all legal fees of defence if cases are thrown out of court.
Insurance companies and Lawyers are nothing but 2 sides of the same coin. Neither add any value to health care, but both cost consumers a tremendous amount of money.
If everyone paid as they go, health care would be far cheaper for everyone. For those that cannot pay on their own, there will always be doctors doing free work for charity- something that has been discouraged or even barred by HMOs because of liablility and efficiency issues.
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Obamanfreude - 1. taking pleasure from the misfortunes of an Obama supporter as he or she is adversely affected by the policies of their Dear Leader.
My solution:
1. Get rid of Health insurance.
2. Tort reform- limit lawsuits and have plaintiffs pay all legal fees of defence if cases are thrown out of court.
Insurance companies and Lawyers are nothing but 2 sides of the same coin. Neither add any value to health care, but both cost consumers a tremendous amount of money.
If everyone paid as they go, health care would be far cheaper for everyone. For those that cannot pay on their own, there will always be doctors doing free work for charity- something that has been discouraged or even barred by HMOs because of liablility and efficiency issues.
If you dropped health insurance, how would you pay for a catastrophic event? What if a car wreck put you in the hospital for a couple months? Even with a generous medical community your costs would be very high.
It's not the insurance companies that are the problem. It's the rest of us paying for those who choose not to buy insurance and the dawgs that defraud us.
You are definately right about tort reform though. That'd go along way, I think, to help make the situation better.
One of the ones that people overlook is visitnf the doctor for really no reason at all. A cough, an ache, a pain, a cold, the flu .... things that bog down doctors.
We rarely go the doctor, and I mean RARELY. We could go every other week - literally, but we don't. If we did we would add tens of thousands of dollars to what the health care industry pays out, adding to the rise in cost of premiums
Theres a lot of issues - this is just one I think is overlooked
Eliminate Insurance Companies??
