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Politics : A US National Health Care System?

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To: Lady Lurksalot who wrote (946)	6/12/2005 12:56:06 PM
From: Peter Dierks	of 42652

"One problem of the K-P type plan is that you incent the system to deny you expensive care. They already have your money, and so expenses cut into profits." This is no different from what the insurance companies have been doing and continue to do. I see a growing market for patient advocates. Yes, I know this would add another layer to medical costs. Compared to $1,000 deductible thirty years ago, $2,000 is better than the rate of inflation. Shirley you jest!!! How would you prefer to deal with expensive procedures? I was shooting from the hip with an interesting idea. Something has to be better than the 100% paid over your deductible many plans offer now. "Heart procedures are often called experimental by insurers to avoid having to pay." This comes as news to me. There is a reason many of us insiders now refer to the cath lab as the "cash lab." <g> It was on some plans five years ago. It has been that long since I have been an insurance administrator. It was intended as an example. Some well vetted procedures may still be listed as experimental on some plans to keep people from running up the insurance bills. I suspect that it is common. The TPP system may be partially responsible for the increases." I think the TPP has EVERYTHING to do with increases in the cost of medical care and would like to see it go the way of the dinosaur. What would you prefer to see in place to allow people to afford expensive procedures? Insurance is deeply embedded into health care. It is not going away. Health care is now expensive enough that losing the tax benefit of deductibility would cause great disruption to many employees of many companies. The HSA might be a partial answer. Prepaid plans like K-P is just a different flavor of TPP. "One problem of the K-P type plan is that you incent the system to deny you expensive care. They already have your money, and so expenses cut into profits." This is no different from what the insurance companies have been doing and continue to do. I see a growing market for patient advocates. Yes, I know this would add another layer to medical costs. Very interesting. I will give this some thought. Thanks for the ideas. Peter

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