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When you go to a new doctor, the receptionist has you fill out a form, which includes your insurance plan. The doctor will read the form before meeting you. He'll have an idea whether he "likes" this new patient or not depending on whether he likes your insurance plan or not.
No matter what system we adopt, it should be such that the doctors will not, or will not be able to, discriminate patients according to what plan they have.
The same applies to dental insurance.
I don't know how this can be done, but it's a general principle I have in mind.
By a similar token, though, we need to work on insurance more. A lot more. A whole lot more. When I was pregnant, there was a test I could take. Theoretically, due to my age, it should have been covered with no problems. However, I called insurance and they couldn't even tell me whether it would be approved or not. If I had to pay out of pocket, it would be something like 200-500. I opted not to do it in the end because they couldn't tell me and I didn't want to be surprised with a bill when I thought I was going to be covered.
Why would doctors and hospitals want to mess with stuff like that if they are not even sure about payment? What if an insurance company is hard to deal with and always denying? How much do they have to suck it up when these things do cost money?
Or really, change the whole insurance game. One of the big objections I had to the ACA (and the now tabled AHCA bill) is that they conflate health insurance with health care. Not the same at all.