“I say denying healthcare is a non starter if thats the only way it can function, then we need a different way. Period If that means Insurance will no longer be the lucrative field it is (one that MADE money during a pandemic!!!) and instead we a need a non-for profit system or Government run Ok so be it. But denying healthcare a patient and or doctor* deems neccesary is a non-starter for me”
– The financial incentives in the healthcare industry have spurred innovation and enabled the provision of advanced care. Without these incentives, progress in the industry would have been hindered. Providing healthcare for free is not sustainable as it does not cover the costs of research, development, and high-quality care.
“* who should “win” when the patient and doctor disagree is a good question and one that potentially needs to be worked out. I’m not certain myself. but I am sure it shouldnt be a bureaucrat or nurse who glanced a t the chart”
– In terms of payment or patient autonomy?
If it’s with regard to payment, maybe they should get a premium policy that does not require pre-authorization.
Personally, I believe that the healthcare system is too complicated. Insurance should be reserved for expensive unexpected medical or trauma care with high deductibles, and routine care should be paid out of pocket. Just as people purchase fire or loss insurance to protect themselves from unexpected events.
However, people would neglect their care if they had to pay for it themselves, leading to missed check-ups and medication non-compliance. To address this issue, insurance rates should reflect an individual’s health status, based on factors like regular check-ups, BMI, healthy habits, and medication compliance. insurance rates can be affected by an individual’s risk factors or prior claims. By incentivizing people to take care of their health and making insurance rates reflect this, the healthcare industry can better ensure the sustainability of the system and improve overall health outcomes.
I know, its all wishful thinking.