I just saw this article on doctors refusing insurance and charging people directly. and it makes me happy and mad at the same time. The prices the doctors are charging patients directly are so much more in line with what people can afford compared to the cost of insurance. It makes me happy, because this is what I’ve been saying all along- insurance actually raises the cost of health care. Insurance companies are making a profit, doctors have to hire a slew of people to deal with the insurance and when people don’t see what something costs, the cost raises. The article states that dealing with insurance is 40% of a doctors overhead.
It makes me mad, as this is the discussion we should have had before enacting the debacle that is the Affordable Care Act. Affordable care is anything but. Lets go back to catastrophic insurance and pay for all the incidentals as we need them. Look what happens when people just pay for things up front and things HAVE to be affordable. We end up with 4$ prescriptions at the big box stores and doctors charging under 100$ for a visit. All we’ve done with this legislation is make things more convoluted and expensive. Affordable care? who can afford $700-2,000 a month on insurance?
Hopefully the debacle of the role out will cause people to rethink the whole thing, and the possibility of doing things this way will come about. We want the government subsidizing things? Fine, let them subsidize the 20% of seriously ill people who use 80% of the services. That would make sense. Or let them create an insurance plan for catastrophic insurance, like they subsidize flood insurance for people who live in flood plains. Or, let them give grants for the preventative programs and screenings that are the rational for insurance.