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Politics : Politics for Pros- moderated
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To: Lane3 who wrote (162989)4/6/2006 11:07:06 AM
From: rich evans  Read Replies (2) of 793738
 
Catastrophic type health insurance makes sense. So that is what should be required- a $2000 major medical deductible. No pregnancy coverage.

But the main reason to have insurance is something called PNR( Prenegotiated rates). The insurance companies have all the procedures prenegotiated. So for example a hip operation would be billed at $43000 but the Insurance co would have to pay only $15000. Same with other procedures. So if you have the insurance, you can only be billed the $15000 and pay your deductible of $2000. If you don't have any insurance, you have to pay the $43000. So insurance is necessary to get these good rates. For smaller stuff, there is also prenegotiated rates and therefore any doctor's visit is much less with insurance even if you pay for it under your deductible then if you have no insurance.
Combining major medical insurance with 20% copay with a health saving account seems to me like a good plan for the nation. This is the Swiss way I believe.
Rich
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