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A bit more on my previous post...as I see it, a major problem in today's healthcare system is that insurance covers too much. I'd like to see a shift to a form of catastrophic healthcare coverage, with individuals footing the bill for standard visits and up to a significant deductible limit. This will make individuals more likely to self-govern when it comes to unnecessary doctor visits / treatments, reducing overall demand. By way of comparison, auto insurance exists in case of accidents - not to cover oil changes.

Granted, that has no direct bearing on expensive treatments such as Avastin. But I do believe that the free market will sort that out in the form of various insurance plans based on what an individual would like to have covered. No system is perfect, but this FDA decision is the obvious end result of allowing government to pay healthcare costs.

18 posted on 12/26/2010 7:38:08 PM PST by NittanyLion
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To: NittanyLion

The problem is today, health insruance is not “insurance”.

Insurance covers the unexpected, the accidents, catastrophic stuff. Not regular preventative stuff. Not necessarily chronic stuff. They really aren’t insurance as we’ve known what traditional insurance is, it’s more “health supplemental plans” or “healthcare cost coverage” plans, or “health benefits plans”.

People want certain levels of coverage. Knowing they will use the plans. Pregnancy. Sicknesses. Emergencies. Accidents. Routine care. Checkups. Vision issues. Wellness tests. Colonoscopies. Whatever. People expect to use health insurance. So it’s really a benefits plan more than insurance. Nobody knows if their house will ever be destroyed. Or when. Nobody knows if they ever will get into a big car accident, or kill someone while driving. Everybody buys health benefit plans with the expectation they will be using them under one or more scenarios in their future.


32 posted on 12/26/2010 9:28:57 PM PST by Secret Agent Man (I'd like to tell you, but then I'd have to kill you.)
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