Posted on 11/05/2018 8:09:28 AM PST by SeekAndFind
You have an amazingly undeveloped sense of economics. Well, actually I suppose I could say that you have a nice socialist understanding of Medicine. The free market can easily exist in medical fields. You make an agreement with an insurance company for what they pay for and what you will pay for. Under the Umbrella that agreement you employ a doctor for services. If the services a doctor thinks you should have or not something you’ve agreed to with the insurance company to cover, then you get to pay for it.
Literally every problem in the medical industry today is laid squarely at the feet of government ending the free market.
The way the free market regulates medical prices is the your doctor suggests a course of treatment. Your health insurance is either contracted to pay for it, or not. If not the doctor turns to you and says how will you pay for this?
Of course it should be considered pre-existing if you change providers. Why should the new provider be on the hook to pay for a condition you walk in the door with on day one? It makes no difference to their accounting department whether you used to pay another company to cover that condition in the past. If I am company A, how does that financially protect my investors that Company B used to pay for your condition? Why is my company expected to live with the decisions every other company made, good or bad? You have some very strange ideas about economics.
If you are under medical care while you are insured by Company B and then you change coverage to Company A, then someone should be forced to cover your medical bills. In the case of property/casualty insurance involving ongoing claims while an insurance carrier is being changed, there would be some kind of formula to allocate the costs accordingly between the two companies ... and perhaps split the premiums for a certain period of time as well.
You make an agreement with an insurance company for what they pay for and what you will pay for.
You'd also have to make an agreement with an insurance company that explicitly states how much they'll pay for it. Otherwise, you're right back to the point I made where the insurance company can't underwrite a medical plan because they don't know how much the procedures will cost looking forward. They'll also never really know how much a procedure will cost if that procedure is still under testing but becomes routine, standard care in the future.
The problem here is that we're trying to use a property/casualty insurance model for medical insurance ... when there is a huge difference between them. For a P&C insurance plan, the insured property (a home or a car, for example) has a "book value" or "replacement cost" that caps the insurance carrier's exposure. Without similar caps in medical insurance, the whole model falls apart.
Rule 3: You have to run a business in California before you can run for office of any kind.
I got insurance through work in the 80s, 90s and 2000s.
No one ever asked me what my medical issues were.
I had one issue that was pretty darn expensive and was covered from day 1 under the insurance i got.
In fact, I got a very expensive test I had been putting off done the first week my coverage kicked in.
I’m surprised I never had to fill out any medical questionnaires.
I spent about an hour composing a readable summary of the issues herein and the built in trap of Obamacare. This $%&(#@ Kindle erased it all. So, my conclusion: get the govt out of healthcare and return to competition!
“Except that “health insurance” is not really insurance at all. It is a system that hides the cost of health care and forces “somebody else” to pay for it.”
Every type of insurance everywhere forces somebody else to pay for it.
Title should read...
Healthcare: The Fallacy of Govt Authority
Too often, the (R)N(C), and many here, fail to begin any ‘debate’ from STEP1 but, instead, have already conceded the Leftists’ premise and begin @ STEP20+
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