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To: Techplayer who wrote (22692)	1/22/2003 11:03:31 PM
From: MulhollandDrive	Respond to of 57110

>>I mention the damages because the cost that doctors have to pay for liability insurance is at least a major building block for pricing. << no question about that....but doctors also have less and less leverage as to what they can charge...especially when you get into providing services for medicare or medicaid eligible patients. (forced to deal with what the federal gov't calls "usual and customary" charges...not sure where they come up with those numbers...out of thin air for all i know) and when you have doctors striking because of spiraling medical malpractice premiums...obviously, they are being squeezed hard. my point about over utilization comes from the fact that UNLESS the recipient understands how their usage contributes to the rising cost and it begins to impact them directly (in the pocket) premiums will continue to go higher.. otoh...and this is strictly my opinion...i believe that doctors tend to over-prescribe medications...not only does that add to the huge cost to insurers for drug benefits..it also adds to the physician payout as a medicated patient will be a returning patient (every 6 to 8 weeks for monitoring)