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One of the main problems with our healthcare system is the fact that malpractice insurance and the health insurance premiums are too high in the first place. If there are more doctors in certain specialities the malpractice insurance will drop naturally (think group health/life insurance) the other factor will still depend on the compentency of the individual physicians. The one other thing, the physicians would be given incenitives to do more preventive medicine, which in itself decreases hospital visits
The reason group insurance was always cheaper, is because it helped distribute the risk and made a group closer to what was considered the "typical" amount of risk overall.....less of an ability for a "spike" to make an impact. It doesn't work that way any more because of all the mandates placed on group now and not on individual (when it can be underwritten)....group can now be a lot more expensive.
If your a doctor, you need malpractice insurance insurance. We're not going to have more doctors (if anything less), any incentive to get people to become doctors, is because not enough will want to still enter the field as a career.
You can get sued just as easily with preventative medicine as with anything else. They can create a problem that wasn't there to begin with or miss one that should have been caught because they're too busy concentrating on preventing others. Anything can happen, they're treating human lives that can be unpredictable at times and they get sued by lawyers that need to file lawsuits on behalf of others to get a paycheck. They make settlements with the malpractice insurers that always wants to stay out of court.....there's a price they're always willing to pay, even for the weakest cases. It's always going to cost something for the insurer, they have a legal staff but, they just work with the law firms that they contract with in each state where they're being sued. If it's an easy case for them to win, they still have to pay the legal cost to do it and that can be a lot in itself. They usually a stand zero chance of collecting legal fees from an individual even when they get a judgement against them (and that's hard to get too). The fact is, they have a whole bunch lawsuits that are winable but, not cost effective to take to court so, they settle to get out of them and that's exactly what lawyers that file those kind of lawsuits realize and count on.
What American would want to be in the British system..
Only anybody who has ever dealt with their health insurance company?
My health insurance company actually always pays my claims on time and I've never had a problem, but I have worked for a health insurance company and the **** we did to people -- paying customers, mind you-- made me sick.
If it is that important to you to have insurance coverage, you will find a way.
The problem is, it's only important as long as someone else is paying for it.
I agree about personal responsibility but in the case of health care I don't buy the sound bites of how anyone who can't pay for their medical or doesn't have health insurance just isn't trying hard enough or being responsible enough.
This side of the argument always paints the everyday American as the one lazy and "buying a flat screen instead of insurance" and never never never thinks or admits of the possibility that the so called industry or corporations are taking people for a ride. Their side of the argument is the business people must be god fearing upstanding Americans who are rich only by hard work and would never...never exploit.
Hard to paint a working class plumber or truck driver as lazy because he can't afford medical bills when there are other things to consider that are a must to GO TO WORK and live like fuel, food and water all of which keep rising yet his pay doesn't. Hard to paint a hospital as good moral Americans working hard in a gawds greatest country when they charge a operation at $30,000 but then go "ok" to the insurance company for a settlement of $10,000 for it. So that means the operation was only $5000 reality and still profiting yet Joe that plumber is given a $30,000 bill without insurance. Of course once Joe looses his job due to down sizing he looses his insurance and if his operation was for cancer or something he can't get insurance again even if he pays the premium in cash. The insurance will say he is too risky to profit.
Yes Joe, we have the ability to save and treat you but you are not rich enough so therefore your life is s***in meaning. Now if you are Hitler or a mobster and super rich well come on in show the money and we'll save your life and we have all the medicine you can afford...
Add 30% to Medicare's bottom line and they're in great shape
Shouldn't need to do anything, if our government is such a model of efficiency. As it's non-profit, their books should balance perfectly right now.
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