Great discussions going on medical insurance! I don't want to hijack those threads with other questions. (Whatever system you have, employer based insurance, socialized medicine which is insurance by taxes, or open market insurance you still have a form of insurance.)
How do you propose we deal with these areas to lower costs:
1. Overuse of malpractice suits. Surely some suits are justified and some drs are horrible. But some folks DO sue over every bad outcome medicine cannot overcome. How do we restrict the latter without tossing out the justified suits?
2. Overuse by lifestyle choice. How do we contain the rising costs of healthcare for those who choose recklessness (drug abuse, smoking, all those nasty sexually transmitted diseases) or fail to take care of themselves (obesity, lack of exercise, failure to get routine screenings even if insurance covers them)?
3. Overuse plain and simple. Let's admit it--almost all of us are guilty there.
Maybe we refuse to get rid of our animals although highly allergic and expect insurance to pay for the dr and the meds. Maybe we aren't in the tiny number of folks with primary gerd due to a birth defect, but just overeat the wrong stuff, wear tight britches or girdles, and want insurance to buy us nexium so we don't have to pay for prilosec. Maybe we know if we lost those 20 lbs our dr says we can toss the blood pressure med, but we just love our pizza.
4. Unwillingness to pay our fair cost. This one strikes across the board, rich and poor and everything in between. How do we deal with the people who can afford cable, cell phone, horses as pets, internet, bottled water, designer jeans, that new gun, or whatever hays their wagon but scream they cannot afford insurance or whatever their deductible of whatever size does not pay?
5. And finally, how do you set parameters on cost effectiveness? Do you give grandpa at 95 the same high tech treatment to prolong life as you would a 45 year old, or 15 year old? If there isn't enough $$ in the system to provide everyone with everything, how will you prioritize?
Give it your best shot--if you were great high poobah of all things legal, medical, and governmental, what would your system look like?
How do you propose we deal with these areas to lower costs:
1. Overuse of malpractice suits. Surely some suits are justified and some drs are horrible. But some folks DO sue over every bad outcome medicine cannot overcome. How do we restrict the latter without tossing out the justified suits?
2. Overuse by lifestyle choice. How do we contain the rising costs of healthcare for those who choose recklessness (drug abuse, smoking, all those nasty sexually transmitted diseases) or fail to take care of themselves (obesity, lack of exercise, failure to get routine screenings even if insurance covers them)?
3. Overuse plain and simple. Let's admit it--almost all of us are guilty there.
Maybe we refuse to get rid of our animals although highly allergic and expect insurance to pay for the dr and the meds. Maybe we aren't in the tiny number of folks with primary gerd due to a birth defect, but just overeat the wrong stuff, wear tight britches or girdles, and want insurance to buy us nexium so we don't have to pay for prilosec. Maybe we know if we lost those 20 lbs our dr says we can toss the blood pressure med, but we just love our pizza.
4. Unwillingness to pay our fair cost. This one strikes across the board, rich and poor and everything in between. How do we deal with the people who can afford cable, cell phone, horses as pets, internet, bottled water, designer jeans, that new gun, or whatever hays their wagon but scream they cannot afford insurance or whatever their deductible of whatever size does not pay?
5. And finally, how do you set parameters on cost effectiveness? Do you give grandpa at 95 the same high tech treatment to prolong life as you would a 45 year old, or 15 year old? If there isn't enough $$ in the system to provide everyone with everything, how will you prioritize?
Give it your best shot--if you were great high poobah of all things legal, medical, and governmental, what would your system look like?