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To: i-node who wrote (199829)	5/3/2009 11:48:50 AM
From: neolib	Read Replies (2) \| Respond to of 306849

So, are you suggesting that insurance companies (or a single government payer) should just pay all claims without any review process, whatsoever? No, I can't understand what advantages single government payer would bring. Other people seem to see some. I can't get any of them to describe what those advantages are. As pointed out previously, very few claims involve paper, stamps or envelopes. Are you claiming bills are not mailed to customers? As I said, the insurance co mails me a statement, and the Doc does as well. I can't say what happens between the Doc and the Insurance co. Do you really think that 95% of statements to the customer are done electronically. I've never seen that at all, so I seriously doubt the 95% claim. Medicare Part D may be an excellent model. Medicare Part D is the poster child for stupidity in medical spending. It uses insurance mechanisms to cover statistically likely, bottom end costs. Insurance should only be used to cover the statistically unlikely, high end costs. Its equivalent to thinking that an insurance policy which has zero deductible and a $25000 cap is a good policy, compared to one with a 5000 deductible and $1M in coverage. I saw that one myself when the small company I worked for was bought by a larger company, and they offered us this "really great" insurance package. Several Phd's (in engineering from Stanford and MIT) actually thought it was great, because all they looked at was the deductible. They didn't have a clue what insurance is about. I succeeded in getting them to dump that splendid offer and replace it with a more intelligent one.