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Health care

Is their another solution for the health care industry besides expensive insurance/expensive office visits and Free Health care? I would prefer a different solution to the problem..any suggestions out there?

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ria7

Asked by ria7 at 3:45 PM on Oct. 1, 2010 in Politics & Current Events

Level 23 (15,224 Credits)
Answers (16)
  • Buckle down on malpractice suits. If people quit suing over every little thing, doctors don't have to pay ridiculously high insurance fees, which then allows them to charge decent fees to people and eliminates the majority of the need for health insurance in the first place... If people didn't have to worry about a simple dr. apt costing $250 they could actually go without having a need for insurance. And insurance could be used simply for high cost things like surgeries and serious illness rather than for every little thing, which would then, in turn, make health insurance much much more affordable to those who choose to have it.
    SabrinaMBowen

    Answer by SabrinaMBowen at 3:49 PM on Oct. 1, 2010

  • It's not a perfect solution, but it's better than Universal Healthcare or forcing people to purchase insurance they don't need, don't want or can't afford...
    SabrinaMBowen

    Answer by SabrinaMBowen at 3:50 PM on Oct. 1, 2010

  • i agree sabrina!
    ria7

    Comment by ria7 (original poster) at 3:50 PM on Oct. 1, 2010

  • along the same lines of the Malpractice.... My neighbor is a Dr and was telling us that because of fear of lawsuits, Dr's tend order 5-10x MORE tests (that cost $$$$)... They have the mindset of better safe than sorry... So who pays because of a lawsuit happy society? We do...
    grlygrlz2

    Answer by grlygrlz2 at 3:53 PM on Oct. 1, 2010

  • Well thats a long process Sabrina and I somewhat agree with you, but we need a solution quickly here. It is totally out of control and by shooting down the current health reform, we are telling the republican party we don't want anything at all. That its just fine the way it is. We need to find a way to force insurance companies to put a cap on their premiums and actually pay for the services they say they will pay for... especially preventative care. This is crazy. They are controlling people's lives and stealing our money in the process. Between health insurance and oil in this country, its a conspiracy to make the rich richer and have the middle class pay for it and keep them on their pedestal.
    Anonymous

    Answer by Anonymous at 4:09 PM on Oct. 1, 2010

  • I think because it costs doctors so much to pay insurance and stuff they have to see more patients in an hour as well so we get less face to face time so they can squeeze in as many patients as they can.
    ria7

    Comment by ria7 (original poster) at 4:09 PM on Oct. 1, 2010

  • Tort reform and fraudulent claims would make a significant dent in the costs! Tort reform would mean lower malpractice insurance rates for doctors, who would likely in turn, lower their costs to their patients. Prosecuting ALL fraudulent claims, would mean the insurance companies wouldn't have to make up those settlement costs by lowering premiums. And allowing subscribers to shop across state lines for the best plan for their situation and/or family, means insurance companies would have to become competitive with their premiums, coverage rates, customer service, etc., to get or keep subscribers and keep them happy!
    LoriKeet

    Answer by LoriKeet at 7:04 PM on Oct. 1, 2010

  • i cannot even begin to describe the inaccuracies in perception of what is causing huge doctor bills. fraud and malpractice are a very small part of the problem. i have worked in the health insurance industry over 12 years and have an in-depth understanding of how laws about coverage, PPO contracts, managed care (e.g. referrals and precertification) and pharmaceutical companies just to name some of the major factors all affect the cost of healthcare. never mind insurance company profits and administrative costs due to inefficiency in both the healthcare and insurance worlds. PLUS the cost of underinsureds and uninsureds also contributes very heavily, in addition to the trend over 12 years old of employers providing less of the cost... this problem is years in the making and there are many factors. there is not a simple solution. UHC will not solve the problem overnight but it is a step...
    figaro8895

    Answer by figaro8895 at 7:49 PM on Oct. 1, 2010

  • Although I agree with tort reform, with politicians, most of whom are lawyers by education, involved in the decision making process, I doubt that solution will be seriously broached. I like the idea of insurance for catastrophic and surgical needs, and perhaps, policies to offset pharm costs, and all health care maintenance as a fee for service system. We have an HSA with a PPO and $2500/family/year deductible. Right now, we load with pre-tax contributions and my husband's Co matches our contributed dollar amount. Balances rollover from year-to-year. As of Nov 2010, all Co management members and their dependents must utilize the HSA format-it saves the Co money.

    Sisteract

    Answer by Sisteract at 8:00 PM on Oct. 1, 2010

  • My experience as a nurse is: SO many people are using the Emergency room as their health-care plan. They have no coverage, they wait until they are very sick to seek help.By the time they reach the ER the care they need is more extensive and need in patient care The only thing the ER offers is diagnostic and acute care. In the past 15 years, I have worked in 4 major hospitals in the New York and Florida areas, the major problem is Self pays that has no coverage. Major hospitals have closed down for this very reason. The drug companies charging an arm and a leg for needed medication, making the sick, elderly and the poor having to choose between eating and life saving medication. A new trend is the prescription pill addicted patients , and the enabling doctors. I won't say anymore.......

    emilysmom1966

    Answer by emilysmom1966 at 8:02 PM on Oct. 1, 2010

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