LockHeart said:
That's vey sad, almost as if some of those companies were committing insurance fraud. It seems to be that they were acting within the law though...
Yeah, that's what I meant with bad regulation.
I suppose a purely economical system
could work if the legislation and regulation were stricter. But if you leave a company to do what it wants, it results in circumstances reminiscient of the industrialization.
However, there's plenty of instances of that happening in public healthcare as well, i.e. in Britain we have a bit of a postcode lottery when it comes to getting essential cancer drugs - if you live in one area you might get lucky, but otherwise the system you've been paying into will say that you can't have the medication you need, and God forbid if you try and supplement your own treatment privately - http://www.guardian.co.uk/society/2008/jun/02/nhs.health
That's just horrible!
What you get prescriptions to pay privately for should not influence your NHS claims.
I hope they'll change those "guidelines". If it's approved by the medicating doctor, it definitely should be allowed to go parallel.
My point is that if he's being forced into paying for the system, he should get the treatment...
Ah, misunderstood you there.
Well, yes, he deserves
some form of treatment at least (though not necessarily the one he wanted if its contraindicated in the doctors' opinion).
However, one should always remember that the patient is always in charge. A doctor can't force a specific treatment on the patient (though he may influence him into agreeing).
It's definitely a difficult balance-act.
Then I highly recommend that Americans avoid these companies and look for better healthcare providers. Unless it's documented as a national trend, I don't see why this isn't possible.
I'm not sure on this, to be honest. From what I heard, there are only about 4 major insurance companies which all seem to be guilty of this. Perhaps the smaller ones aren't, but considering the major ones got basically a monopoly on this, I'm not sure how much choice the average American really has.
What I would quite like to have is a system of Singapore-style health accounts that you pay into to use for everyday things like trips to the GP etc., then have catastrophic insurance on top of that which is only invoked when your account's balance would be overwhelmed. I've read up on it and it seems like a very good system.
So, would that mean that everybody just pays into their own account?
And where does the money for this "catastrophic insurance" come from?
The goal is well-balanced spending you say? Well the NHS obviously has that high on the agenda, considering it's the world's 3rd biggest employer after Indian State Rail and the Chinese fricking Army (http://www.timesonline.co.uk/tol/news/uk/health/article1050197.ece).
But as the article states, there are still shortages. Considering how time-consuming and important proper healthcare is, I don't think that statistic really qualifies as something negative. I agree, however, that we should try to keep administration/management to a minimum in those areas.
Many learnt people I spoke to about this said that much of the administrative apparatus could be removed through better IT systems. However, the people in charge are reluctant to do this because a) it's very expensive short-term and b) it'll cost jobs.
But anyhow, what you're saying is going to lead to massive problems later with public health systems anyway - most developed countries have aging populations, once this passes a point there will be more people using healthcare and not contributing to the system than there will be of those paying in: the only realistic way to sustain it would be to drive up taxation (and thus push people closer to poverty) or open up the system to competition.
While the age problem is quite real, I don't think this is a reason to break apart the system. Yes, taxation will increase. But I believe that, if we make the market attractive for educated foreigners, we can "refill" our lack of young working class people. There are certainly difficult times ahead in terms of the NHS, but while we may need to cut spending somewhat, the system itself should remain in place in my opinion.
It's actually quite nice to come on the Escapist and find people who agree with me though, and people who are willing to have a civilised discussion on it
*extends hand*
Yeah, as long as a discussion doesn't descend into flames, even opposing parties can have a nice discussion here. One of the main reasons I like the Escapist forums.
*shakes hand*