this is how healthcare should be done

[Modelworks]

Originally posted by: eskimospy
Another attempt to equate health insurance with other types. Every plan built on this false premise will be an epic failure. If you wreck your car with no coverage, you have no car. If you get sick with no coverage we don't leave you to die. I'm not sure why this crucial point escapes so many.

Because people call it health insurance when it isn't. They are not insurance companies, they are medical brokers. They negotiate a price between you and the doctor. Insurance is for unexpected expenses, not everyday ones.

Health care 100 years ago was pay as you use it. Then the insurance companies came along offering health insurance as something for unexpected illness. The hospitals began to charge a little more, people complained to insurance companies about things not being covered. To keep from losing customers insurance companies added more coverage . The hospitals continued to increase rates knowing the insurance companies wouldn't want to lose those customers and would again try to keep people covered. The cycle repeated to the point that the average person could not afford health care without insurance.

Like I said before , it has gotten out of control to the point it is like having to have car insurance so you can afford to change the oil.

Some examples of inflated cost from hospitals that I personally researched from my own bills.

Saline IV solution - $120 on bill, actual cost to hospital $24
X-Ray - $449 on bill, actual cost to hospital $39
CBC blood work - $229 on bill, actual cost to hospital $28

So I got billed $798 for $91 of product.

These insurance companies or medical brokers then step in and wheel and deal to get the hospital to accept something from $91 to $798 , in my case $392 .

Personally I think it should be illegal to charge one person one price and then someone else a different one.