THE CONCEPT OF COVERAGE IS WRONG

 

 

COVERAGE IS THE ENEMY

 

 

COVERAGE IS THE FAULT IN HEALTHCARE

 

 

 

 

HOW HEALTH INSURANCE MAKES PRICES SOAR

  1. THE CONCEPT OF COVERAGE MEANS DOCTORS SET THE PRICES
  2. HEALTH INSURANCE IS NOT REALLY INSURANCE
  3. POLITICIANS MADE EVERYTHING WORSE
  4. DOCTOR CARTELS AND ROYALTIES FIX HEALTH CARE PRICES
  5. FORCED PARTICIPATION RAISES COSTS MORE
  6. HOW TO FIX IT

 

REPAIRING HEALTH CARE

HOW TO FIX IT

THE FOLLOWING SHOULD BE DONE TO PREVENT HIGH HEALTH CARE COSTS:

  1. NO MANDATE TO HAVE INSURANCE
  2. INSURANCE COVERS ONLY RARE EVENTS, CATASTROPHIC COSTS, AND LONG TERM CARE
  3. NO COVERAGE FOR ROUTINE OR PREVENTIVE MEDICINE
  4. NO COVERAGE FOR ELECTIVE OR UNNECESSARY MEDICINE
  5. NO MANDATED COVERAGE FOR SPECIFIED CASES
  6. NO DOCTOR, PROVIDER, OR INSURER MONOPOLIES OR CARTELS
  7. NO PRICE FIXING TACTICS
  8. NO USE ON PATIENTS OF COLLECTION TACTICS, LAWSUITS, THREATS, OR COLLECTION AGENCIES
  9. NO TAKING OF PATIENT MONIES OR PROPERTIES TO SATISFY MEDICAL BILLS
  10. DOCTORS WHO CHARGE LARGE AMOUNTS SHALL WAIT TO BE PAID - AND MIGHT NEVER COLLECT
  11. NO BILL PADDING
  12. NO CHARGING FOR UNUSED OR WASTED SUPPLIES
  13. NO DOCTOR GRADUATION OR DOCTOR LICENSING QUOTAS
  14. NO CHARGES FOR EMERGENCY LIFESAVING AT AN ACCIDENT SCENE
  15. LOW COST CLINICS THAT SERVE ANYONE (TO KEEP MEDICAL PRICES LOW)
  16. NO PAYMENT METHOD INFO COLLECTED UNTIL AFTER MEDICAL WORK IS DONE
  17. NO CHARGING PATIENTS FOR INTELLECTUAL PROPERTY ROYALTIES
  18. PROHIBIT FDA REMOVAL OF APPROVAL OF ANY DRUG OR DEVICE UNLESS IT IS DANGEROUS
  19. PROHIBIT EMPLOYERS FROM REQUIRING DOCTOR STATEMENTS FOR MISSED WORK
  20. MALPRACTICE INSURANCE COVERS ONLY ACTUAL PATIENT LOSSES, NOT PUNITIVE AWARDS
  21. NO HIGHER CHARGES FOR NOT MAKING PERIODIC VISIT APPOINTMENTS
  22. NO REFERRALS REQUIRED
  23. AIDS SHALL BE TREATED AS A DANGER, NOT A CIVIL RIGHT
  24. NO CHARGING PATIENTS FOR USING EXAMINING ROOMS

THE FACTS

THE CONCEPT OF COVERAGE MEANS DOCTORS SET THE PRICES

The following properties of coverage increase health care prices:

  1. Insurance specifies an amount it covers for each procedure.
  2. Doctors set charges to equal the highest amount paid by insurance.
  3. Other insurers must then raise their coverage to equal the highest amount covered.
  4. Doctors form cartels to fix the price of the "going rate" covered.
  5. Hospitals and other medical providers add charges to get more of the covered amount.
  6. Insurance companies require doctors to charge uninsured people an amount more than insurance pays.
  7. Fee-for-service causes doctors to overmedicate or require return visits to make more money.
  8. Referrals mean more visits to the primary physician to make more money.
  9. Doctors do more tests than necessary to prevent malpractice claims.

HEALTH INSURANCE IS NOT REALLY INSURANCE

Health insurance is not really true insurance for the following reasons:

  1. True insurance protects against rare or unusual events.
  2. The purpose of true insurance is to pay for unexpected expenses.
  3. Anything that pays for routine use of a service is not true insurance.
  4. A true insurance policy spells out exactly what kinds of events are covered.
  5. True insurance never covers events caused by deliberate acts of the insured.
  6. Nobody is required to have true insurance to cover their own losses.

Health insurance is really a very expensive group credit card:

  1. Health insurance is not restricted to rare or unusual events.
  2. The purpose of health insurance is to pay most medical bills.
  3. Health insurance pays for routine services, so it is not true insurance.
  4. Health insurance is not specific on what kinds of events are covered.
  5. Democrats often require health insurance to cover deliberate acts of the insured.
  6. Democrats require people to have health insurance to cover their own losses.

Obamacare is really a very expensive tax:

  1. Obamacare pays for everything Democrats want it to pay.
  2. The purpose of Obamacare is to pay all medical bills.
  3. Obamacare pays for routine and unnecessary services, so it is a tax.
  4. Obamacare makes people who don't even know the patient pay the patient's bills.
  5. Obamacare covers certain deliberate acts of the insured.
  6. Obamacare requires people to have health insurance or pay a tax.

POLITICIANS MADE EVERYTHING WORSE

Government raises costs by requiring coverage for special political cases:

DOCTOR CARTELS AND ROYALTIES FIX HEALTH CARE PRICES

  1. Doctors form cartels to fix the price of the "going rate" covered.
  2. Doctors refer patients to specialist members of their cartel.
  3. When referrals expire, patients must return to the primary physician to get referrals.
  4. Medical device manufacturers rent their devices to doctors, instead of selling them.
  5. Medical device manufacturers charge patients royalties for the use of their equipment.

FORCED PARTICIPATION RAISES COSTS MORE

  1. When all people are forced to have health insurance, monopoly pricing applies.
  2. Lower supply-and-demand pricing requires freedom of choice.
  3. People pay for insurance they don't need.