I spend a lot of time trying to figure out how to make commercial health insurance make sense. I keep thinking that if patients are informed and doctors are motivated to provide good care we could make this system manageable. That is becoming less and less true.
Health insurance companies are cherry picking data to justify their austere coverage policies. They are bilking consumers with crazy costs. Everyone is terrified to have a crisis without insurance, but even with insurance they are still financially devastated when that crisis hits.
I honestly think the answer is to advise people to not buy insurance. Pay out of pocket and most people would save money. If a crisis happens set up a payment plan with the hospital after the fact which would probably be similar cost to paying health insurance for a few years.
If things are really bad qualify for emergency medicaid.
It will mean everyone in the top of the field will have to take a deep pay but probably, nurses, doctors, and definitely the administrators. This is a big down side, but I can’t think of another solution. Thoughts?
0 nhận xét:
Đăng nhận xét