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Evidence from around the world is that government plans are likely to be cheaper and more effective. Are US private plans standardized regarding what will be c
by dv_dt 8y ago
Evidence from around the world is that government plans are likely to be cheaper and more effective. Are US private plans standardized regarding what will be covered, as well as the justification of a given procedure or drug? As far as I've had direct experience every plan is different, and even within the same plan there have been inconsistent approvals, doctors have to often get re-involved to add more or different justifications for procedures that are denied then covered. It's all unnecessary added overhead as exemplified by the relative costs of more than 2x other nations with government unified healthcare.
I'd much rather be paying for the time of my doctor to treat me instead of fighting my insurance company armed with a similarly high-overhead software package.
- cascom 8y agomost of the complexity around this issues is due to the fact that most private insurers follow the incredibly complex medicare billing system/codes
- dv_dt 8y agoUh medicare is more efficient than private insurance, despite having it's hands tied by current legislation keeping it from negotiating drug prices. Medicare also takes on the oldest in the population demographic, needing the most and highest cost care that the private insurance companies are then relieved from managing. https://www.healthaffairs.org/do/10.1377/hblog20110920.013390/full/ https://www.healthaffairs.org/do/10.1377/hblog20110920.01339... "The private insurance equivalent of Medicare would cost almost 40 percent more in 2022 for a typical 65-year old." Medicare for All would make medicare even more efficient.
- cascom 8y agoYou’re completely right and wrong at the same time. Since Medicare reimbursements are so much lower than private insurance - the consequence of moving to all Medicare would have immense consequences, and the dollars removed would Largely need to be replaced, or quality and access to care would be dramatically impacted
- lstroud 8y agoHave you personally dealt with Medicare? Efficient is not a word I would ever use to describe it.
- toomuchequate 8y ago>Evidence from around the world is that government plans are likely to be cheaper and more effective. And social security works today... "European Vacation" is a real problem. The future is Greece, Italy and Spain.
- raxxorrax 8y agoBut Greece spends noticeably less on health care and its system is in the top 20 of the world. Greece does have economic problems, but the ~3% of their GDP they spend on health care is almost laughable. There might be some "encouragement-fees" for doctors necessary, but overall they seem to be fine. disclaimer: I am not Greek and the rumors about corruption for services are just that: rumors. edit: Not saying everything is dandy, there are some dark sides of some systems (insurance obligations etc.)
- deleted 8y ago[deleted]