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Archived on: 8/23/2017 10:00:00 AM
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[–] Malthrax 0 points 1 point 1 point (+1|-0) ago
I agree with most everything you said, except "regulating pricing on procedures ..." because government price-fixing DOES NOT WORK, because the people who would be setting those prices are too easily influenced by lobbyists.
[–] AncientArachnid 0 points 1 point 1 point (+1|-0) ago
Industry lobbyists are a big part of the reason prices are so high now.
What do we do? Serious question.
[–] Planet_Terror 0 points 1 point 1 point (+1|-0) ago
You are right, see my post above for one option. Another solution would be to cut out the insurance companies, not completely (that won't happen, they want their money) but if we could, you have a group a doctors all with specific specialties, you pay them a yearly "policy premium" and use their services as needed. Maybe a $1,000 premium and then when you visit you pay a small co-pay $5 -$100 depending on the service you are getting.
Then, you purchase a separate critical care plan that covers hospital and critical illness from the insurance companies that allow people to choose the type of coverage they want al la carte. Not having kids, maternity and fertility is not part of the coverage for your main policy, etc.
[–] Planet_Terror ago
Thanks, I should have been more clear on the definition of regulating but my post was already long. I agree the government should be left out of regulating the prices with those damn lobbyists. One idea is the insurance companies can definitely provide an average of costs for each procedure as we already know it's different from doctor to doctor and state to state. That could be used to set pricing. Perhaps have a percentage increase every 3-5 years or so so long as incomes do not remain stagnant.