bcs, on 17 September 2009 - 12:08 AM, said:
I've always thought that the health industry needed to return to a consumer-based market to actually reduce prices, among other reforms like tort reform. You should be paying for doctor's visits, medication, etc... out of pocket. Insurance is acceptable but it should only be for catastrophic stuff like cancer, major surgery, etc...
I agree 100%. Government broke the system in the first place. Government is sure as hell not the solution.
I read somewhere that in the 50s, before the advent of Medicare and Medicaid, the situation you described was the way healthcare was handled. It should be between you and your doctor. Insurance was used then, as it should be now, for exactly the kind of thing you describe. Healthcare insurance should be no different than insurance you buy for your home. You don't insure your home against burned out light bulbs... you insure your house against fire and floods. Just as in the case of healthcare, you should be insuring yourself against health emergencies, not a cold or a routine checkup. But god help you if you don't have insurance and you walk into a hospital...
But that's why everyone needs insurance! So the government must save us, right? No, that's a bandaid... everyone needs insurance because of the government... so true reform, if you want the done job correctly, will be a long-time coming.
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