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Thread: Health Care provider drops my insurance carrier

  1. #41
    Senior Member twall's Avatar
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    The biggest problem with healthcare is those in control do not have medical training. There was a day when doctors decided how to care for patients. Until our healthcare system reverts back to this model it will always be aweful!

    Doctors are controlled by what insurance will pay for and what lawyers may sue them for if they don't order something.

    And, we as a society, usually 'know' what is wrong with us and how we should be treated. If we don't get what we want, when we want it, we will go somewhere else to get it!

    I see it everyday at work. Most of what we see and treat should be handled by the primary care physician. But, the patient can't get in because their PCP has to book solid because reimbursment rates are so low. Pretty soon the patient doesn't even try to go to their PCP because we treat them quickly without an appointment. But, insurance reimburses us at a higher rate so it costs more. It is a vicious circle.

    Obamacare isn't going to improve anything. There aren't aren't enough doctors to care for everybody. You add to that more people who will have insurance. Plus, you cut the reimbursemnt rates, you end up with fewer people trying to care for more peolpe for less money. The only way to do that is to limit services.

    Everyone will have insurance, but what will it cover? We currently accept most forms of medicaid. However, when we have to refer to a specialist these patients often have a hard time finding one that will accept medicaid.

    It is only going to get worse! If you do not have a doctor, get estalished with one soon!

    Tom
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  2. #42
    Senior Member Franco's Avatar
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    Quote Originally Posted by twall View Post
    The biggest problem with healthcare is those in control do not have medical training. There was a day when doctors decided how to care for patients. Until our healthcare system reverts back to this model it will always be aweful!

    Doctors are controlled by what insurance will pay for and what lawyers may sue them for if they don't order something.

    And, we as a society, usually 'know' what is wrong with us and how we should be treated. If we don't get what we want, when we want it, we will go somewhere else to get it!

    I see it everyday at work. Most of what we see and treat should be handled by the primary care physician. But, the patient can't get in because their PCP has to book solid because reimbursment rates are so low. Pretty soon the patient doesn't even try to go to their PCP because we treat them quickly without an appointment. But, insurance reimburses us at a higher rate so it costs more. It is a vicious circle.

    Obamacare isn't going to improve anything. There aren't aren't enough doctors to care for everybody. You add to that more people who will have insurance. Plus, you cut the reimbursemnt rates, you end up with fewer people trying to care for more peolpe for less money. The only way to do that is to limit services.

    Everyone will have insurance, but what will it cover? We currently accept most forms of medicaid. However, when we have to refer to a specialist these patients often have a hard time finding one that will accept medicaid.

    It is only going to get worse! If you do not have a doctor, get estalished with one soon!

    Tom
    That is what Dr Ron Paul proposed but he has been widely rejected by the right. In fact, he wanted to take it a step further to the prePPO days. But, this is not what the right wants. Conclusion is that the right likes insurance companies telling them what to do.
    “The end of democracy and the defeat of the American Revolution will occur when government falls into the hands of lending institutions and moneyed incorporations.” –Thomas Jefferson

  3. #43
    Senior Member road kill's Avatar
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    Quote Originally Posted by Franco View Post
    That is what Dr Ron Paul proposed but he has been widely rejected by the right. In fact, he wanted to take it a step further to the prePPO days. But, this is not what the right wants. Conclusion is that the right likes insurance companies telling them what to do.
    Who concluded that?
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  4. #44
    Senior Member Franco's Avatar
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    Quote Originally Posted by road kill View Post
    Who concluded that?
    As I said in my post, Dr Paul was widely rejected by the right. Romney, who pioneered government healthcare is clueless to the problems.
    “The end of democracy and the defeat of the American Revolution will occur when government falls into the hands of lending institutions and moneyed incorporations.” –Thomas Jefferson

  5. #45
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    Quote Originally Posted by 2tall View Post
    But it is perfectly fine for the insurance business to determine what health care you receive, how much you pay for it, can charge you more or drop you completely at any time? So it is better for the insurance companies to, in effect, operate "death panels", not pay Dr.'s what they want to charge for service, and the whole thing costing more in administrative fees and red tape than actual medical care?

    Uuummm, not exactly what I meant. Trouble with government regs is that you have a bunch of people writing the regs who haven't a clue what is involved in that business. Lived long enough to have see it first hand
    charly

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  6. #46
    Senior Member M&K's Retrievers's Avatar
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    Quote Originally Posted by Franco View Post
    As I said in my post, Dr Paul was widely rejected by everyonet. Romney, who pioneered government healthcare is clueless to the problems.
    Fixed it for you.
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  8. #48
    Senior Member 2tall's Avatar
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    Quote Originally Posted by charly_t View Post
    Uuummm, not exactly what I meant. Trouble with government regs is that you have a bunch of people writing the regs who haven't a clue what is involved in that business. Lived long enough to have see it first hand
    Actually Charly, you and I might be getting close to a consensus! I agree that government does not know how to run a business. But to take it one step closer to my point, Insurance CEOs haven't a clue how to care for my health. Most businesses that expect to make a profit, provide a product or service. What does an insurance company produce or serve? Their goal is to guarantee that they come out on top on the premiums vs payouts. Wait.... isn't that what they do in Vegas?
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  9. #49
    Senior Member kjrice's Avatar
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    Quote Originally Posted by 2tall View Post
    Actually Charly, you and I might be getting close to a consensus! I agree that government does not know how to run a business. But to take it one step closer to my point, Insurance CEOs haven't a clue how to care for my health. Most businesses that expect to make a profit, provide a product or service. What does an insurance company produce or serve? Their goal is to guarantee that they come out on top on the premiums vs payouts. Wait.... isn't that what they do in Vegas?
    I thought they provided a product and a service. I didn't know insurance wasn't a business instead of a charity. The odds are in their favor but most cannot afford a high-dollar bill. Roll your dice.
    Last edited by kjrice; 09-20-2012 at 08:14 PM.
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  10. #50
    Senior Member M&K's Retrievers's Avatar
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    Quote Originally Posted by 2tall View Post
    Actually Charly, you and I might be getting close to a consensus! I agree that government does not know how to run a business. But to take it one step closer to my point, Insurance CEOs haven't a clue how to care for my health. Most businesses that expect to make a profit, provide a product or service. What does an insurance company produce or serve? Their goal is to guarantee that they come out on top on the premiums vs payouts. Wait.... isn't that what they do in Vegas?
    It is not an insurance company's responsibility to care for your health. That's you and your doctor's responsibility. The insurance company is responsible for reimbursing catastrophic expenses incurred for expenses incurred for your health care. Yes, it's a little like Vegas They don't guarantee they will make a profit. They take a risk. Just like Vegas. It's called the law of large numbers.
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