I will be blunt and get right to the three points of this article.
Point 1. Health care and health insurance should be separated.
Figure 2. If not for the fact that health insurance has come to mean health care for most Americans there would be no health care reform.
Point 3. The only way to fix the American health care once and for all is to bifurcate the health care and health insurance as they should.
I also will give you three reasons why I say this so if you choose you can go to the other article, and do not bother with this reading further.
Reason 1. Because health care is now paid by the third-party health insurance premiums have increased more than 100% since 2004.
Reason 2. On average more than 60% of every health care dollar is wasted in the process health insurance claims.
Reason 3. Because health insurance / health care connection birthright Americans robbed of their most precious - their health.
Through government and corporate propaganda health care health insurance has been synonymous with health insurance because most of us can remember. At some point in between we were not thinking we need a job with "benefits," or perhaps better benefits, so we can go to the doctor. We have been brainwashed by the system that most benefits of our lack of knowledge or apathy - where the individual case may be. We have been taught from the first paycheck that health insurance is the be-all-end-all when it's time to take the kids to the doctor for a runny nose.
It was confirmed in a few days when we get a bill from the doctor's office said that the cost of the tour is $ 225.00.
The system is rigged and it's rigged so that each and every American to think that someone else should pay for their health care. More on that later.
Health care should be separated from the health insurance like car maintenance is separated from car insurance. When it's time to change your oil to reach in your pocket for your car insurance card to pay for it? "Of course not." You say, "That would be ridiculous."
I ask you now to pause and think why it would be a bad idea.
In case you do not know, let me give you a little primer on insurance. Insurance premiums are based on, among other things, claims - both the number and amount of claims. Individual states Department of Insurance to ride herd on the insurance company to see that the amount paid in claims is in proportion to the amount of premiums collected. So the insurance companies do not get a rate increase unless they have a claim to support the increase. (That, by the way, is a good service that serves the insurance department, because as individuals we do not have the time or the inclination or the resources to look up all the information.)
Now, let us return to the scenario of oil changes and see again. Instead of one, two or three that you can file a claim in a lifetime on your car insurance, you now find yourself make a claim every three months or 10,000 miles. What do you expect your premiums to be like? How much they will improve? Also take this into consideration, a local mechanic or oil change service should wait 90 to 120 days to get paid their money for an oil change. Plus there will be layer upon layer of the document to make a claim. The fact is, that if the car insurance like health insurance, local oil jockey you have to rent the entire billing department just to ask the right shape with the right code - not just once - but maybe as many as three or four times.
Do you think the oil change will still be $ 35.00 at your local Spiffy Lube will remain $ 35.00 or by paying additional documents and personnel costs will go up?
Average time to face with a doctor in the United States at this time less than 10 minutes. Average number of office workers who are involved in raising money for a 10 minute visit is over three hours. How much is that costing you? Since there are no statistics kept it simple let me do the math for you here. Billing and coding personnel make on average $ 15.00 per hour. That could mean as much as $ 45.00 for your health care dollar goes to the processing of your claim ... and it was only at the doctor's office. To be fair it was probably close to $ 30.00 on average but it's still a mighty big chunk of money.
It is even bigger when you look at what doctors are paid. (I said before we will return to this.) Do not see what the doctor bills, Look instead at your EOB, Explanation of Benefits that come in a few months down the road. Do not get caught in the coding and insurance crap but look good and hard at the amount that has been paid to the doctor. In many cases it will be something around $ 50.00, up very rarely, $ 100.00.
So doctors pay out $ 30.00 $ 45.00 to collect $ 50.00. Does that sound right or even smart?
Then there's the added cost of processing the claims department at the insurance company. Most companies have at least two levels of bureaucracy to look at each claim. Highest cost of any division in a large health insurance company - right after the management - is a claims department.
Law the new health care reform (the Patient Protection and Affordable Care Act) has added no less than 159 new programs, agencies and departments in between you and your doctor visits are paid. Anyone out there really think all of the programs will save health care dollars to your health?
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