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|User Info||The Bill To Fix Health Care - Permanently; entered at 2017-03-30 13:37:19|
Registered: 2017-03-30 Snohomish
There's several serious problems with some of these ideas. For one, as a Dentist, I know that many times the exact problem I face when trying to restore a tooth can't be determined until the procedure is well under way. To mandate that the cost is exactly known before treatment starts is only going to increase the cost of every thing done to cover the numerous times things are more complex and expensive to care for. Ditto for covering stuff that requires additional treatment. |
The proposal also doesn't address the crony discrimination that favors buying more and more insurance because pre-paid care (as in insurance) is tax deductible, while copays at time of treatment and post-payments (loans) are not tax deductible. If all essential health care expenses are tax deductible, the cost of care will naturally flow to the most cost effective forms of payment for care. Currently, the real problem with Obamacare is it's gold plans offered by large employers and government have low deductibles and low copays, with the premiums all tax deductible. Small business main street employers can't afford that sort of plan, so they have high deductible high copay plans which means their employees have huge non-tax deductible copays and deductibles to pay... This discrimination needs to be eliminated...
Eliminating the antitrust exemption that carriers have will go a long way to reducing health care costs. The move viable model for carriers to use without their anti-trust exemption is to offer plans that pay a certain percentage of the average cost of XXX treatment... Say the average cost of a procedure costs $1000 and you plan pays 80% of that -- $800. If you go to a provider that charges $1500, you pay 1500-$800 or $700, not 80% of $1500. If you go to a provider that charges $700, you pocket $100. Market forces will direct costs to self adjust. Also, the carriers will know what the average fees are because they get the claims for payment from providers. They could pool their info to have a common UCF (Usual Customary Fee) for every procedure.
The carriers could provide a list of providers that are more cost effective than others... Or some sort of Amazon like list...
Also, one shouldn't restrict providers to a single fee for every procedure. If a clinic wants to have X price for a procedure done in the middle of the day when it's harder to fill a schedule, and Y for late afternoon appointments that are very high in demand, Clinics ought to have that option to have adjustable pricing.