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View Diary: Unaffordable co-pays and deductibles, death by a million cuts for insured Americans (248 comments)

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  •  Off the bat, paperwork alone (8+ / 0-)

    would be the first casualty. Doctors and other providers are mired in mountains of code and employ people to figure it all out. This requires people with both medical acumen and computer and insurance expertise.

    It would definitely reduce costs right there. Doctors could doctor more and techs could test more without delays trying to figure out the finer points of what is allowed and why or why not. It would also bring higher rates in areas down to compare to the industry average. It would foster competition.

    •  I have a friend who makes a good living (7+ / 0-)

      at a company whose sole reason for existence is to help providers put the right code on the insurance form. The president of this company is quite wealthy. I went to the company picnic at his property and watched his daughters ride their horses while people swam in their pond. All from medical coding software.

      To keep our faces turned toward change, and behave as free spirits in the presence of fate--that is strength undefeatable. (Helen Keller)

      by kareylou on Sun Mar 18, 2012 at 03:43:47 PM PDT

      [ Parent ]

    •  No paperwork with Medicare? GMAFB. (0+ / 0-)

      If others want single-payer and are willing to pay for it, I'm fine with that because I loathe the health insurance companies as much as everyone else.  However, I'm not ignorant or naive enough not to recognize that part of their administrative costs and profits result from cost  control agreements with providers and denials, many of which are legitimate.  Also have to recognize that the private health insurance payment system is subsidizing payments from Medicare and Medicaid.  

      As no more than half of US health care dollars flow through insurers -- that would be $1.2 trillion in 2009 -- and the net cost of their services to the system is something like 10-15%, how are you going to cover an additional 50 million people with $180 billion?  And that assumes that everybody keeps paying into the system what they have been paying in premiums, co-pays, and deductibles.

      Might squeeze a bit more service out of doctors doing less paperwork, but that does nothing to change the fact that primary care physicians are too few and specialists too many.

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