What’s wrong with the US insurance–medical costing systems?
May 29, 2012 7 Comments
Count this post as news – not healthcare. Ok I am no longer a political reformer. And Lord knows I have learned soapboxes help very little to not at all. BUT. This is ridiculous. Outrageous. Nonsense. Offensive. Problematic, and of course I could go on. Spend a few moments looking at this explanation of benefits (EOB) for a patient of mine insured by United Healthcare.
Now I am not faulting UHC, but it is obvious that UHC has a great contract with the lab. BUT what if you are uninsured? Well – quite simply you are SOL. Scr***d!!! This ought to make us all crazy and drive us to a find better ways to fix this system which is so clearly broken. Now to make this simple, the lab wanted to get paid $2,630 for their work and the insurance contract said – no way – and they reduced the obligation ONLY to their insured clients to $245 (a 91% reduction).
WE THE PEOPLE need to fix this. No political party, President, Congress, HHS, or any governmental agency has the power to take on big insurance or this system. We got ourselves into this in the 1930’s when wage control during the Great (Horrible) Depression prevented businesses that were functional from raising wages to get the best employees. So instead of wages they offered insurance as a “benefit” because it was a temporary loophole in the law.
So far in front of any country in the World our employers offered their workers a benefit. Now you see the unintended consequence of the US Congressional action during the 30s.
I have no easy solution to this mess. Clearly the Obama plan will bring a whole new set of unintended adverse consequences. Doing nothing clearly leaves a lot of people in a marginal place due to unreasonable cost shifting away from insurers to the uninsured/soon-to-be-bankrupt of the US. Fixing it can only start with us.
Because – the number one cause of bankruptcy is not divorce or a bad economy – its health care costs. Small wonder – when you see bills like this without insurance.