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My solution to this mess: - Health "Insurance" middleman mafia should not be the default b/w me and my doctor - Health Insurance should only exisit for Catastr
by codegeek 2y ago
My solution to this mess:
- Health "Insurance" middleman mafia should not be the default b/w me and my doctor
- Health Insurance should only exisit for Catastrophic events (big surgery, cancer etc)
- Get rid of the regular Premiums, CoPays, Deductible, CoInsurnace, In network/Out network Bullshit.
- For catastrophic events, we pay a premium (much smaller than now)
- All hospitals and Doctors must offer an advertised/displayed Cash Price. No exceptions. Fine heavily if they hide
- Let me pay cash for a regular doc visit.
- Govt can subsidize for poor people (exdtension to medicare etc ??)
That's it. Problem Solved. This will remove so much BS, middleman stuff, overhead and with a competitive market, prices will drop significantly. Doctors will be happy not dealing with Insurance for everything.
Tell me why I am wrong.
- __m 2y agoPeople will probably avoid going to the doctor if they have to pay cash, missing the opportunity to detect the big things early.
- codegeek 2y agoI would argue that people already dread going to the doctor because you still have to deal with all the insurance garbage. Remember that even with a copay, you still could get a bill after the visit depending on deductible.