2013년 11월 28일 목요일

오전 5:41

By Adrianne Cerezo

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About 'cheap health care providers'|Federal Government Encourages Health Providers to Coordinate, Then Sues Them For Doing So







About 'cheap health care providers'|Federal Government Encourages Health Providers to Coordinate, Then Sues Them For Doing So








Ａ               Ｆｌａｗｅｄ               Ｄｅｂａｔｅ               
               Ｌｉｓｔｅｎｉｎｇ               ｔｏ               ｔｈｅ               ｈｅａｌｔｈ               ｃａｒｅ               (ｆｉｎａｎｃｅ)               ｒｅｆｏｒｍ               ｃｏｖｅｒａｇｅ               ｉｎ               ｔｈｅ               ｎｅｗｓ               ｍｅｄｉａ               ｉｓ               ａ               ｌｏｔ               ｌｉｋｅ               ｖｉｓｉｔｉｎｇ               ｆｒｏｍ               Ｍａｒｓ.

Ｐｏｌｉｔｉｃｉａｎｓ               ａｎｄ               ｎｅｗｓｃａｓｔｅｒｓ               ｄｅｓｃｒｉｂｅ               ｓｙｓｔｅｍｓ               ｔｈａｔ               ｓｉｍｐｌｙ               ｄｏ               ｎｏｔ               ｆｕｎｃｔｉｏｎ               ｉｎ               ｔｈｅ               ｍａｎｎｅｒ               ｔｈｅｙ               ｄｅｓｃｒｉｂｅ,               ｔｈｅｉｒ               "ｆｉｘｅｓ"               ｗｉｌｌ               ｎｏｔ               ｗｏｒｋ,               ａｎｄ               ｔｈｅｙ               ｕｓｕａｌｌｙ               ｃａｕｓｅ               ｍｏｒｅ               ｈａｒｍ               ｔｈａｎ               ｇｏｏｄ.
               
               Ｈｏｗ               ｔｈｉｓ               ａｌｌ               ｃａｍｅ               ｔｏ               ｂｅ               ｉｓ               ａｎ               ｉｎｔｒｉｇｕｉｎｇ               ｓｔｏｒｙ               ｏｆ               ｌｏｓｔ               ｏｐｐｏｒｔｕｎｉｔｙ,               ｐｏｌｉｔｉｃａｌ               ｄｅａｌ               ｍａｋｉｎｇ,               ａｎｄ               ｔｈｅ               ｔｒｉｕｍｐｈ               ｏｆ               ｄｏｇｍａｔｉｓｍ               ａｎｄ               ｉｄｅｏｌｏｇｙ               ｏｖｅｒ               ｒａｔｉｏｎａｌｉｔｙ.

Ｉ               ｅｘｐｌａｉｎ               ａ               ｌｏｔ               ｏｆ               ｔｈｅ               ｆｌａｗｓ               ｉｎ               ｍｙ               ｂｏｏｋ:               Ｓｔａｎｄａｒｄ               Ｅｒｒｏｒｓ:               Ｏｕｒ               ｆａｉｌｉｎｇ               ｈｅａｌｔｈ               ｃａｒｅ               (ｆｉｎａｎｃｅ)               ｓｙｓｔｅｍｓ               ａｎｄ               ｈｏｗ               ｔｏ               ｆｉｘ               ｔｈｅｍ               ｗｈｉｃｈ               ｉｓ               ａｖａｉｌａｂｌｅ               ａｔ               ｗｗｗ.ａｆｎ.ｏｒｇ/~ｍａｔｈｓｔａｔ/.

Ｔｈｅ               ｆｏｌｌｏｗｉｎｇ               ｔｈｏｕｇｈｔｓ               ａｒｅ               ｇｌｉｍｐｓｅｓ               ｏｆ               ｔｈｅ               ｉｍｐｌｉｃａｔｉｏｎｓ               ｏｆ               ｏｕｒ               ｃｈａｎｇｉｎｇ               ｈｅａｌｔｈ               ｃａｒｅ               (ｆｉｎａｎｃｅ)               ｓｙｓｔｅｍｓ,               ｅｘｐｌｏｒｅｄ               ｉｎ               ｔｈｅ               ｂｏｏｋ.
               
               Ｈｅａｌｔｈ               ｃａｒｅ               ｆｉｎａｎｃｅ               -               Ｗｈａｔ               ｉｓ               Ｒｅａｌｌｙ               Ｂｒｏｋｅｎ?
               Ｏｖｅｒ               ｔｈｅ               ｌａｓｔ               ｆｅｗ               ｄｅｃａｄｅｓ               ｗｅ               ｈａｖｅ               ｃｒｅａｔｅｄ               ｅｖｅｒ               ｍｏｒｅ               ｉｎｅｆｆｉｃｉｅｎｔ               ｈｅａｌｔｈ               ｃａｒｅ               (ｆｉｎａｎｃｅ)               ｓｙｓｔｅｍｓ               ｅｖｅｎ               ａｓ               ｐｏｌｉｔｉｃｉａｎｓ               ｈａｖｅ               ｊｕｍｐｅｄ               ｏｎ               ｔｈｅ               ｂａｎｄｗａｇｏｎ               ｏｆ               ｇｒｅａｔｅｒ               ｅｆｆｉｃｉｅｎｃｙ.

Ｉｎ               ｔｈｅ               ｎａｍｅ               ｏｆ               ｅｆｆｉｃｉｅｎｃｙ               ｏｕｒ               ｎａｔｉｏｎａｌ               ｌｅａｄｅｒｓ               ｈａｖｅ               ｉｎｃｒｅａｓｉｎｇｌｙ               ｐｌａｃｅｄ               ｈｅａｌｔｈ               ｃａｒｅ               ｐｒｏｖｉｄｅｒｓ               ａｎｄ               ｐａｔｉｅｎｔｓ               ａｔ               ｒｉｓｋ,               ｅｖｉｓｃｅｒａｔｉｎｇ               ｏｕｒ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｓｙｓｔｅｍ.
               
               Ｉｎ               ｐｌａｃｅ               ｏｆ               ｇｅｎｕｉｎｅ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ,               ｔｈｅｙ               ｇａｖｅ               ｕｓ               ｉｎｅｆｆｉｃｉｅｎｔ,               ｗａｓｔｅｆｕｌ,               ａｎｄ               ｆｒａｕｄｕｌｅｎｔ               ｍａｎａｇｅｄ               ｃａｒｅ               ｓｙｓｔｅｍｓ               ｔｈａｔ               ｄｏ               ｎｏｔ,               ａｎｄ               ｎｅｖｅｒ               ｃｏｕｌｄ               ｄｅｌｉｖｅｒ               ｏｎ               ｔｈｅｉｒ               ｌｏｆｔｙ               ｐｒｏｍｉｓｅｓ               ｔｏ               ｓｔｅｅｒ               ｏｕｒ               ｈｅａｌｔｈ               ｃａｒｅ               (ｆｉｎａｎｃｅ)               ｓｙｓｔｅｍｓ               ｔｏｗａｒｄ               ｇｒｅａｔｅｒ               ｅｆｆｉｃｉｅｎｃｙ.

(Ｓｅｅ               ｍｙ               ｂｏｏｋ:               Ｓｔａｎｄａｒｄ               Ｅｒｒｏｒｓ:               Ｏｕｒ               ｆａｉｌｉｎｇ               ｈｅａｌｔｈ               ｃａｒｅ               (ｆｉｎａｎｃｅ)               ｓｙｓｔｅｍｓ               ａｎｄ               ｈｏｗ               ｔｏ               ｆｉｘ               ｔｈｅｍ               ｗｈｉｃｈ               ｉｓ               ａｖａｉｌａｂｌｅ               ａｔ               ｗｗｗ.ａｆｎ.ｏｒｇ/~ｍａｔｈｓｔａｔ/.)
               Ｗｈｉｌｅ               ｐａｙｉｎｇ               ｌｉｐ               ｓｅｒｖｉｃｅ               ｔｏ               ｅｘｔｅｎｄｉｎｇ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｆｏｒ               ａｌｌ,               ｏｕｒ               ｌｅａｄｅｒｓ               ｈａｖｅ               ｃｏｍｐｒｏｍｉｓｅｄ               ｔｈｅ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｍａｒｋｅｔ.

Ｂｕｔ               ｔｈｅ               ｓｉｔｕａｔｉｏｎ               ｉｓ               ｖｅｒｙ               ｄｉｆｆｅｒｅｎｔ               ｔｈａｎ               ｄｅｓｃｒｉｂｅｄ               ｂｙ               ｐｏｌｉｃｙ               ｍａｋｅｒｓ,               ｐｏｌｉｔｉｃｉａｎｓ,               ｅｃｏｎｏｍｉｓｔｓ,               ａｃｔｕａｒｉｅｓ               ａｎｄ               ｐｕｎｄｉｔｓ.

Ｔｈｅ               ｄｅｓｔｒｕｃｔｉｏｎ               ｍｏｓｔ               ｏｆ               ｔｈｅｍ               ｄｅｓｃｒｉｂｅ               ｉｓ               ｔｈｅ               ｅｘａｃｔ               ｏｐｐｏｓｉｔｅ               ｏｆ               ｗｈａｔ               ｈａｓ               ｒｅａｌｌｙ               ｈａｐｐｅｎｅｄ.
               
               Ｗｈａｔ               Ｉｎｓｕｒａｎｃｅ               Ｉｓ               ａｎｄ               Ｉｓ               Ｎｏｔ
               Ｔｈｅ               ｂｉｇｇｅｓｔ               ｐｒｏｂｌｅｍ               ｉｓ               ｔｈａｔ               ｍｏｓｔ               ｐｅｏｐｌｅ               ｃｏｎｆｕｓｅ               ｌｅｇｉｔｉｍａｔｅ               ｉｎｓｕｒａｎｃｅ               ｍｅｃｈａｎｉｓｍｓ               ａｎｄ               ｐｒｅ-ｐａｉｄ               ｃａｒｅ               ｍｅｃｈａｎｉｓｍｓ.

Ｗｅ               ｌｏｓｅ               ｓｉｇｈｔ               ｏｆ               ｔｈｅ               ｆａｃｔ               ｔｈａｔ               ｍａｎａｇｅｄ               ｃａｒｅ               ａｎｄ               ｍｏｓｔ               ｏｆ               ｔｈｅｉｒ               ｓｏｌｕｔｉｏｎｓ               ｆｏｒ               ｆｉｎａｎｃｉｎｇ               ｈｅａｌｔｈ               ｃａｒｅ               ｄｏ               ｎｏｔ               ｒｅｌｙ               ｏｎ               ｌｅｇｉｔｉｍａｔｅ               ｉｎｓｕｒａｎｃｅ               ｍｅｃｈａｎｉｓｍｓ               ａｔ               ａｌｌ.
               Ｆｏｕｒ               ｄｅｃａｄｅｓ               ａｇｏ               ｗｅ               ｈａｄ               ａ               ｖｉｂｒａｎｔ,               ｇｒｏｗｉｎｇ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｓｅｃｔｏｒ.

Ｅｖｅｒ               ｍｏｒｅ               Ａｍｅｒｉｃａｎｓ               ｗｅｒｅ               ｂｅｉｎｇ               ｃｏｖｅｒｅｄ               ｔｈｒｏｕｇｈ               ｔｈｅｉｒ               ｅｍｐｌｏｙｍｅｎｔ               ａｎｄ               ｔｈｅ               Ｍｅｄｉｃａｒｅ               ａｎｄ               Ｍｅｄｉｃａｉｄ               ｐｒｏｇｒａｍｓ               ｅｘｔｅｎｄｅｄ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｔｏ               ｔｈｅ               ｅｌｄｅｒｌｙ,               ｄｉｓａｂｌｅｄ               ａｎｄ               ｅｃｏｎｏｍｉｃａｌｌｙ               ｄｉｓａｄｖａｎｔａｇｅｄ.
               
               Ｃｏｓｔｓ               ｈｏｗｅｖｅｒ,               ｗｅｒｅ               ａｌｓｏ               ｒｉｓｉｎｇ.

Ａｓ               ｐｅｏｐｌｅ               ｍａｄｅ               ｍｏｒｅ               ｕｓｅ               ｏｆ               ｐｒｅｖｅｎｔｉｖｅ               ｈｅａｌｔｈ               ｃａｒｅ               ｓｅｒｖｉｃｅｓ               ｔｈｅｙ               ｌｉｖｅｄ               ｌｏｎｇｅｒ               ａｎｄ               ｇｅｎｅｒａｌｌｙ               ｈｅａｌｔｈｉｅｒ               ｌｉｖｅｓ.
               
               Ｔｈｅ               ａｎｓｗｅｒ               Ｒｉｃｈａｒｄ               Ｎｉｘｏｎ               ｐｒｏｍｏｔｅｄ               ｗａｓ               ｔｏ               ｃｏｎｖｅｒｔ               ｏｕｒ               ｍｉｘｅｄ               ｐｒｏｆｉｔ               ａｎｄ               ｐｒｏｆｉｔ               ｍａｋｉｎｇ               ｈｅａｌｔｈ               ｃａｒｅ               ｓｙｓｔｅｍ               ｔｏ               ａ               ｐｒｏｆｉｔ               ｍａｋｉｎｇ               ｓｙｓｔｅｍ.

Ｉｎ               ｐａｒｔｉｃｕｌａｒ,               Ｆｅｄｅｒａｌ               ｌｅｇｉｓｌａｔｉｏｎ               ｂｅｇａｎ               ｔｏ               ｖｉｇｏｒｏｕｓｌｙ               ｓｕｐｐｏｒｔ               ｈｅａｌｔｈ               ｍａｉｎｔｅｎａｎｃｅ               ｏｒｇａｎｉｚａｔｉｏｎｓ               ａｎｄ               "Ｍａｎａｇｅｄ               Ｃａｒｅ."
               Ｄｅｓｐｉｔｅ               ｉｎｉｔｉａｌ               ｅｎｔｈｕｓｉａｓｍ               ｆｏｒ               ＨＭＯｓ               ａｎｄ               ｍａｎａｇｅｄ               ｃａｒｅ,               ｔｈｅｙ               ａｒｅ               ｎｏｔ               ｌｅｇｉｔｉｍａｔｅ               ｉｎｓｕｒａｎｃｅ               ｍｅｃｈａｎｉｓｍｓ.

Ｔｈｅ               ｒｈｅｔｏｒｉｃ               ｗａｓ               ｅｘｃｅｌｌｅｎｔ,               ｆｏｃｕｓｉｎｇ               ｏｎ               ｉｍｐｒｏｖｉｎｇ               ｔｈｅ               ｈｅａｌｔｈ               ｏｆ               ｔｈｅ               ｐｏｐｕｌａｔｉｏｎ,               ｃｒｅａｔｉｎｇ               ａｎ               ｅｆｆｉｃｉｅｎｔ               ｈｅａｌｔｈ               ｃａｒｅ               ｓｙｓｔｅｍ,               ａｎｄ               ｒｅｄｕｃｉｎｇ               ｃｏｓｔｓ.

Ｔｈｅ               ｒｅａｌｉｔｙ,               ｈｏｗｅｖｅｒ,               ｗａｓ               ｅｘａｃｔｌｙ               ｔｈｅ               ｏｐｐｏｓｉｔｅ.

Ｆａｌｌｉｎｇ               ｈｅａｌｔｈ               ｃａｒｅ               ｓｔａｔｕｓ,               ａｎ               ｉｎｅｆｆｉｃｉｅｎｔ               ｈｅａｌｔｈ               ｃａｒｅ               ｓｙｓｔｅｍ,               ａｎｄ               ｉｎｃｒｅａｓｅｄ               ｃｏｓｔｓ.

Ｒａｔｈｅｒ               ｔｈａｎ               ａｄｍｉｔ               ｔｈａｔ               ｉｔ               ｈａｓ               ｂｅｅｎ               ｍａｎａｇｅｄ               ｃａｒｅ               ａｎｄ               ｃａｐｉｔａｔｉｏｎ               ｔｈａｔ               ｃａｕｓｅｄ               ｍａｎｙ               ｏｆ               ｔｈｅｓｅ               ｐｒｏｂｌｅｍｓ,               ｔｈｅ               ａｄｖｏｃａｔｅｓ               ｏｆ               ｔｈｅｓｅ               ｆａｉｌｕｒｅｓ               ｂｌａｍｅ               ｔｈｅ               ｅｖｅｒ               ｄｗｉｎｄｌｉｎｇ               ｌｅｇｉｔｉｍａｔｅ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｍｅｃｈａｎｉｓｍｓ               ｆｏｒ               ｔｈｅｓｅ               ｐｒｏｂｌｅｍｓ,               ｓｕｇｇｅｓｔｉｎｇ               ｔｈａｔ               ｉｆ               ｗｅ               ｓｉｍｐｌｙ               ｍｏｖｅ               ｔｏ               ａ               ｃｏｍｐｌｅｔｅｌｙ               ｍａｎａｇｅｄ               ｃａｒｅ               ｍｅｃｈａｎｉｓｍｓ               ａｌｌ               ｔｈｅｓｅ               ｐｒｏｂｌｅｍｓ               ｗｉｌｌ               ｇｏ               ａｗａｙ.
               
               Ｉｆ               ｙｏｕ               ｂｅｌｉｅｖｅ               ｔｈａｔ               ｌｉｎｅ,               Ｉ               ｋｎｏｗ               ｓｏｍｅ               ｐｅｏｐｌｅ               ｓｅｌｌｉｎｇ               ｂｒｉｄｇｅｓ               ａｎｄ               ｔｕｎｎｅｌｓ               ｉｎ               ＮＹＣ.
               
               Ｗｈａｔ               ＨＭＯｓ               ａｒｅ               ｓｕｐｐｏｓｅｄ               ｔｏ               ｄｏ.
               Ｔｈｅ               ｉｄｅａｌ               ｃａｓｅ               ｆｏｒ               ＨＭＯｓ               ｉｓ               ｔｈａｔ               ｔｈｅｙ               ｗｉｌｌ               ｋｅｅｐ               ｐｅｏｐｌｅ               ｈｅａｌｔｈｙ,               ｈｅｎｃｅ               ｔｈｅ               ｎａｍｅ               "Ｈｅａｌｔｈ               Ｍａｉｎｔｅｎａｎｃｅ."
               
               Ｔｈｅ               ｒｅａｌｉｔｙ               ｉｓ               ｔｈａｔ               ａｓ               ｗｅ               ａｇｅ,               ｗｅ               ｉｎｃｒｅａｓｉｎｇｌｙ               ｓｕｆｆｅｒ               ｆｒｏｍ               ｐｏｏｒ               ｈｅａｌｔｈ.

Ｔｈｅ               ａｇｅ               ａｔ               ｗｈｉｃｈ               ｗｅ               ｂｅｃｏｍｅ               ｃｈｒｏｎｉｃａｌｌｙ               ｏｒ               ａｃｕｔｅｌｙ               ｉｌｌ               ｍａｙ               ｂｅ               ｄｅｌａｙｅｄ,               ｂｕｔ               ｉｔ               ｃａｎ               ｎｅｖｅｒ               ｂｅ               ｅｌｉｍｉｎａｔｅｄ.
               Ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｃｏｖｅｒｓ               ｒａｒｅ               ｂｕｔ               ｈｉｇｈ               ｃｏｓｔ               ｈｅａｌｔｈ               ｓｅｒｖｉｃｅｓ.

ＨＭＯｓ               ａｎｄ               Ｍａｎａｇｅｄ               Ｃａｒｅ               ｓｐｅｎｄ               ｍｏｓｔ               ｏｆ               ｔｈｅｉｒ               ｒｅｓｏｕｒｃｅｓ               ｐｒｏｖｉｄｉｎｇ               ｒｏｕｔｉｎｅ,               ｈｉｇｈｌｙ               ｐｒｅｄｉｃｔａｂｌｅ               ｃａｒｅ.

Ｓｉｎｃｅ               ＨＭＯｓ               ａｎｄ               ｍａｎａｇｅｄ               ｃａｒｅ               ｏｒｇａｎｉｚａｔｉｏｎｓ               ｏｆｆｅｒ               ｔｈｅｉｒ               ｐｌａｎｓ               ｆｏｒ               ｌｅｓｓ               ｔｈａｎ               ｔｈｅ               ｃｏｓｔｓ               ｏｆ               ｒｅａｌ               ｉｎｓｕｒａｎｃｅ,               ｂｕｔ               ｓｐｅｎｄ               ｓｉｇｎｉｆｉｃａｎｔ               ｐｏｒｔｉｏｎｓ               ｏｆ               ｔｈｅｉｒ               ｒｅｖｅｎｕｅｓ               ｏｎ               ｃｏｓｔｓ               ｔｈａｔ               ａｒｅ               ｃｏｍｍｏｎ,               ｔｈｅｙ               ｃａｎｎｏｔ               ａｆｆｏｒｄ               ｔｏ               ｐａｙ               ｔｈｅｉｒ               ｓｕｂｓｃｒｉｂｅｒ'ｓ               ｅｘｐｅｎｓｅｓ               ｗｈｅｎ               ｔｈｅｙ               ｒｅｑｕｉｒｅ               ｅｘｐｅｎｓｉｖｅ               ｃａｒｅ.

Ｔａｋｅ               ｉｎ               $4,               ｓｐｅｎｄ               $3               ｏｎ               ｃｈｅａｐ               ｏｆｆｉｃｅ               ｖｉｓｉｔｓ               ａｎｄ               ｐｒｅｖｅｎｔｉｖｅ               ｃａｒｅ               ａｎｄ               ｙｏｕ               ｗｉｌｌ               ｎｏｔ               ｂｅ               ａｂｌｅ               ｔｏ               ｓｐｅｎｄ               ｍｕｃｈ               ｍｏｎｅｙ               ｏｎ               ｙｏｕｒ               ｓｕｂｓｃｒｉｂｅｒ'ｓ               ｒａｒｅ,               ｂｕｔ               ｅｘｐｅｎｓｉｖｅ               ｎｅｅｄｓ.
               
               Ｔｈｅ               Ｐｅｒｉｌｓ               ｏｆ               Ｈｅａｌｔｈ               Ｃａｒｅ               Ｉｎｔｅｒｖｅｎｔｉｏｎ
               Ａｓ               ＨＭＯｓ               ｈａｖｅ               ｍａｔｕｒｅｄ               ｔｈｅｙ               ｈａｖｅ               ｂｅｅｎ               ｂｕｒｄｅｎｅｄ               ｂｙ               ｔｈｅｉｒ               ｓｕｃｃｅｓｓｅｓ:               ｉｎｃｒｅａｓｉｎｇ               ｎｕｍｂｅｒｓ               ｏｆ               ｃｈｒｏｎｉｃａｌｌｙ               ａｎｄ               ａｃｕｔｅｌｙ               ｉｌｌ               ｍｅｍｂｅｒｓ               ｗｈｏ               ａｒｅ               ｌｉｖｉｎｇ               ｌｏｎｇｅｒ               ｗｉｔｈ               ｍｕｌｔｉｐｌｅ,               ｃｏｓｔｌｙ,               ａｎｄ               ｉｎｃｒｅａｓｉｎｇｌｙ               ｔｒｅａｔａｂｌｅ               ｉｌｌｎｅｓｓｅｓ.

Ｔｈｅ               ｃａｌｌｉｎｇ               ｃａｒｄ               ｏｆ               ＨＭＯ               ｓｕｃｃｅｓｓ               ｉｓ               ｔｈａｔ               ｗｅ               ｈａｖｅ               ｍｏｒｅ               ｏｌｄｅｒ               ａｎｄ               ｓｉｃｋｅｒ               ｐｅｏｐｌｅ               ｔｈａｎ               ｗｅ               ｗｏｕｌｄ               ｈａｖｅ,               ｈａｄ               ｉｆ               ｗｅ               ｈａｄ               ｎｏｔ               ｂｅｅｎ               ｓｏ               ｓｕｃｃｅｓｓｆｕｌ               ｉｎ               ｏｕｒ               ｐａｓｔ               ｐｒｅｖｅｎｔｉｖｅ               ｈｅａｌｔｈ               ｅｎｄｅａｖｏｒｓ.
               1ｎ               1971,               ａ               55               ｙｅａｒ               ｏｌｄ               ｍａｎ               ｗｈｏ               ｈａｄ               ａ               ｈｅａｒｔ               ａｔｔａｃｋ               ｏｎ               ａ               ｇｏｌｆ               ｃｏｕｒｓｅ,               ｗｏｕｌｄ               ｐｒｏｂａｂｌｙ               ｈａｖｅ               ｄｉｅｄ               ｅｎ               ｒｏｕｔｅ               ｔｏ               ａ               ｈｏｓｐｉｔａｌ.

Ｔｈａｔ               ｓａｍｅ               ｍａｎ,               ｉｎ               2011,               ｗｉｌｌ               ｌｉｋｅ               ｓｕｒｖｉｖｅ               ｓｕｄｄｅｎ               ｃａｒｄｉａｃ               ａｒｒｅｓｔ               ａｎｄ               ｌｉｖｅ               ｆｏｒ               ａｎｏｔｈｅｒ               20               ｙｅａｒｓ,               ｉｎｃｕｒｒｉｎｇ               ｈｅａｌｔｈ               ｃａｒｅ               ｃｏｓｔｓ               ｆｏｒ               ｈｉｓ               ｐｏｓｔ               ｃａｒｄｉａｃ               ｃａｒｅ               ａｎｄ               ｍｙｒｉａｄ               ｏｔｈｅｒ               ｉｌｌｎｅｓｓｅｓ               ａｎｄ               ａｃｃｉｄｅｎｔｓ               ｄｕｒｉｎｇ               ｔｈａｔ               20               ｙｅａｒｓ.
               
               Ｒａｔｈｅｒ               ｔｈａｎ               ｄｙｉｎｇ               ａｔ               55               ｈｅ               ｗｉｌｌ               ｌｉｖｅ               ｕｎｔｉｌ               ａｇｅ               75,               ｉｎｃｕｒｒｉｎｇ               ｃｏｓｔｓ               ｆｏｒ               ｓｋｉｉｎｇ               ａｃｃｉｄｅｎｔｓ,               ｃａｎｃｅｒ               ｔｒｅａｔｍｅｎｔｓ,               ｍｕｌｔｉｐｌｅ               ｃａｓｅｓ               ｏｆ               ｉｎｆｌｕｅｎｚａ,               ａｎｄ               ｍｕｌｔｉｐｌｅ               ｂｏｕｔｓ               ｏｆ               ｐｎｅｕｍｏｎｉａ.

Ａｆｔｅｒ               20               ｍｏｒｅ               ｙｅａｒｓ               ｏｆ               ａｄｄｉｔｉｏｎａｌ               ｈｅａｌｔｈ               ｃａｒｅ               ｓｅｒｖｉｃｅｓ               ａｎｄ               ｃｏｓｔｓ,               ｏｕｒ               75               ｙｅａｒ               ｏｌｄ               ｗｉｌｌ               ｌｉｋｅｌｙ               ｈａｖｅ               ｓｐｅｎｔ               ｍｏｎｔｈｓ               ｒｅｃｅｉｖｉｎｇ               ｖｅｒｙ               ｃｏｓｔｌｙ               ｃａｒｅ               ｉｎ               ｈｏｓｐｉｔａｌｓ               ａｎｄ               ｎｕｒｓｉｎｇ               ｈｏｍｅｓ,               ｉｎｃｕｒｒｉｎｇ               ｅｖｅｎ               ｍｏｒｅ               ｃｏｓｔｓ               ａｓ               ｈｉｓ               ｈｅａｌｔｈ               ｃｏｎｔｉｎｕｅｓ               ｔｏ               ｆａｉｌ.
               
               Ｃｏｓｔ               ｆｏｒ               55               ｙｅａｒ               ｏｌｄ               ｍａｎ               ｔｏ               ｄｉｅ               ｏｎ               ａ               ｇｏｌｆ               ｃｏｕｒｓｅ?

$0
               
               Ｃｏｓｔ               ｆｏｒ               55               ｙｅａｒ               ｏｌｄ               ｍａｎ               ｔｏ               ｎｏｔ               ｄｉｅ               ｏｎ               ａ               ｇｏｌｆ               ｃｏｕｒｓｅ,               ｌｉｖｅ               ａｎ               ｅｘｔｒａ               20               ｙｅａｒｓ               ｗｉｔｈ               ｍｕｌｔｉｐｌｅ               ｈｅａｌｔｈ               ｃａｒｅ               ｐｒｏｂｌｅｍｓ?

Ｈｕｎｄｒｅｄｓ               ｏｆ               ｔｈｏｕｓａｎｄｓ               ｏｆ               ｄｏｌｌａｒｓ.
               
               Ｗｈｅｒｅ               ｅｘａｃｔｌｙ               ａｒｅ               ｔｈｅ               ｓａｖｉｎｇｓ?
               Ｗｈｉｌｅ               ｐｈｙｓｉｃｉａｎｓ,               ｎｕｒｓｅｓ,               ａｎｄ               ａｃａｄｅｍｉｃｉａｎｓ               ｓｕｇｇｅｓｔ               ｔｈａｔ               ｅａｒｌｙ               ｉｎｔｅｒｖｅｎｔｉｏｎ               ｓａｖｅｓ               ｍｏｎｅｙ,               ｔｈｅ               ｔｒｕｔｈ               ｉｓ               ｅｘａｃｔｌｙ               ｔｈｅ               ｏｐｐｏｓｉｔｅ:               Ｅａｒｌｙ               ｉｎｔｅｒｖｅｎｔｉｏｎ               ｉｎｃｒｅａｓｅｓ               ｌｉｆｅｔｉｍｅ               ｈｅａｌｔｈ               ｃａｒｅ               ｃｏｓｔｓ.

Ｔｈｅ               ｍｏｄｅｓｔ               ｓａｖｉｎｇｓ               ａｃｈｉｅｖｅｄ               ｂｙ               ｐｒｅｖｅｎｔｉｎｇ               ａ               ｈｅａｒｔ               ａｔｔａｃｋ               ｏｒ               ｌｕｎｇ               ｃａｎｃｅｒ               ａｔ               55               ａｒｅ               ｄｗａｒｆｅｄ               ｂｙ               ｔｈｅ               ｉｎｃｒｅａｓｅｄ               ｃｏｓｔｓ               ａｓｓｏｃｉａｔｅｄ               ｗｉｔｈ               ａｎ               ａｄｄｉｔｉｏｎａｌ               20               ｙｅａｒｓ               ｏｆ               ｈｅａｌｔｈ               ｃａｒｅ.
               ＨＭＯｓ               ｔｈａｔ               ｃｏｎｔｉｎｕｅ               ｔｏ               ｃｏｖｅｒ               ｔｈｅｉｒ               ｉｎｃｒｅａｓｉｎｇｌｙ               ａｇｅｄ               ａｎｄ               ｄｅｂｉｌｉｔａｔｅｄ               ｐａｔｉｅｎｔｓ               ｈａｖｅ               ｔｏ               ｃｈａｒｇｅ               ｍｏｒｅ,               ｎｏｔ               ｌｅｓｓ,               ｆｏｒ               ｔｈｅｉｒ               ｓｅｒｖｉｃｅｓ               ａｓ               ｔｈｅｓｅ               ｐａｔｉｅｎｔｓ               ａｇｅ,               ｐｒｅｃｉｓｅｌｙ               ｔｈｅ               ｏｐｐｏｓｉｔｅ               ｏｆ               ｗｈａｔ               ｗｅ               ａｒｅ               ｂｅｉｎｇ               ｔｏｌｄ               ｗｉｌｌ               ｏｃｃｕｒ.
               Ｈｅａｌｔｈ               Ｉｓ               Ｐｒｅｆｅｒａｂｌｅ               Ｔｏ               Ｉｌｌｎｅｓｓ               -               Ｉｔ               Ｉｓ               Ｈｏｗ               Ｗｅ               Ｐａｙ               Ｆｏｒ               Ｉｔ               Ｔｈａｔ               Ｃｏｕｎｔｓ
               
               Ｉｔ               ｗｏｕｌｄ               ｂｅ               ｅａｓｙ               ｔｏ               ｄｉｓｍｉｓｓ               ｔｈｅｓｅ               ｃｏｎｃｅｒｎｓ.

Ｉｔ               ｉｓ               ｏｂｖｉｏｕｓ               ｔｈａｔ               ａｌｌ               ｏｆ               ｕｓ               ｗａｎｔ               ｔｏ               ｌｉｖｅ               ｈｅａｌｔｈｉｅｒ,               ｌｏｎｇｅｒ,               ｍｏｒｅ               ｓａｔｉｓｆｙｉｎｇ               ｌｉｖｅｓ.

Ｗｅ               ｓｈｏｕｌｄ               ａｌｌ               ｇｅｔ               ｔｈｅ               ｐｒｅｖｅｎｔｉｖｅ               ｃａｒｅ               ｗｅ               ｎｅｅｄ.

Ｔｈｅ               ｉｓｓｕｅ               ｉｓ               ｎｏｔ               ｗｈｅｔｈｅｒ               ｔｏ               ｇｅｔ               ｔｈｉｓ               ｃａｒｅ               ｂｕｔ               ｈｏｗ               ｔｏ               ｆｉｎａｎｃｅ               ｉｔ.
               
               Ｗｅ               ａｌｌ               ｕｓｅ               ｌｉｇｈｔ               ｂｕｌｂｓ               ａｔ               ｈｏｍｅ               ａｎｄ               ｗｏｒｋ.

Ｂｕｔ               ｗｅ               ｄｏ               ｎｏｔ               ｂｕｙ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｉｅｓ               ｔｈａｔ               ｐａｙ               ｆｏｒ               ｎｅｗ               ｌｉｇｈｔ               ｂｕｌｂｓ               ｗｈｅｎ               ｏｕｒｓ               ｂｕｒｎ               ｏｕｔ.

Ｗｈｙ?
               Ｉｎｓｕｒａｎｃｅ               ｉｓ               ａｎ               ｉｎｅｆｆｉｃｉｅｎｔ               ａｐｐｒｏａｃｈ               ｔｏ               ｆｉｎａｎｃｉｎｇ               ｒｅｐｌａｃｅｍｅｎｔ               ｌｉｇｈｔ               ｂｕｌｂｓ               ｂｅｃａｕｓｅ               ｅｖｅｒｙｏｎｅ               ｈａｓ               ｔｏ               ｒｅｐｌａｃｅ               ｌｉｇｈｔ               ｂｕｌｂｓ.

Ｓａｖｉｎｇ,               ｏｒ               ｂｕｄｇｅｔｉｎｇ,               ｆｏｒ               ｌｉｇｈｔ               ｂｕｌｂｓ               ｍａｋｅｓ               ａ               ｌｏｔ               ｍｏｒｅ               ｓｅｎｓｅ               ｔｈａｎ               ｂｕｙｉｎｇ               ｉｎｓｕｒａｎｃｅ               ｂｅｃａｕｓｅ               ｗｅ               ｄｏｎ'ｔ               ｈａｖｅ               ｔｏ               ｐａｙ               ａｎ               ｉｎｓｕｒｅｒ'ｓ               ｅｘｐｅｎｓｅｓ               ｆｏｒ               ｐｒｏｃｅｓｓｉｎｇ               ｌｉｇｈｔ               ｂｕｌｂ               ｃｌａｉｍｓ               ｏｎ               ｔｏｐ               ｏｆ               ｔｈｅ               ｃｏｓｔｓ               ｏｆ               ｔｈｅ               ｌｉｇｈｔ               ｂｕｌｂｓ.
               
               Ｓｕｐｐｏｓｅ               ａ               ｌｉｇｈｔ               ｂｕｌｂ               ｃｏｓｔｓ               $1               ａｎｄ               ｌａｓｔｓ               ａ               ｙｅａｒ.

Ｇｏ               ｔｏ               ｔｈｅ               ｓｔｏｒｅ               ａｎｄ               ｂｕｙ               ａ               ｌｉｇｈｔ               ｂｕｌｂ               ｆｏｒ               $1               ａｎｄ               ｙｏｕ               ａｒｅ               ｄｏｎｅ.

Ｂｕｔ               ｍｏｓｔ               ｉｎｓｕｒｅｒｓ               ｈａｖｅ               ｅｘｐｅｎｓｅｓ               ｔｈａｔ               ａｃｃｏｕｎｔ               ｆｏｒ               15-35%               ｏｆ               ｔｈｅｉｒ               ｃｌａｉｍｓ               ｃｏｓｔｓ.

Ｓａｌｅｓ               ｐｅｏｐｌｅ               ａｒｅ               ｐａｉｄ               ｃｏｍｍｉｓｓｉｏｎｓ               ｏｒ               ｓａｌａｒｉｅｓ.

Ｉｎｓｕｒｅｒｓ               ｐａｙ               ｆｏｒ               ｃｌｅｒｉｃａｌ               ｓｔａｆｆ               ａｎｄ               ａｄｍｉｎｉｓｔｒａｔｏｒｓ.

Ｔｈｅｙ               ａｌｓｏ               ｐａｙ               ｆｏｒ               ｏｆｆｉｃｅ               ｓｐａｃｅ,               ｐｈｏｎｅｓ,               ｅｌｅｃｔｒｉｃｉｔｙ,               ｔａｘｅｓ               ａｎｄ               ｏｔｈｅｒ               ｅｘｐｅｎｓｅｓ.
               
               Ｔｏ               ｂｕｙ               ａｎ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｙ               ｔｏ               ｐａｙ               ｆｏｒ               ｒｅｐｌａｃｅｍｅｎｔ               ｌｉｇｈｔ               ｂｕｌｂｓ               ｗｅ               ｗｏｕｌｄ               ｈａｖｅ               ｔｏ               ｐａｙ               ａｂｏｕｔ               $1.33               ｆｏｒ               ｅａｃｈ               ｂｕｌｂ               ｗｅ               ａｒｅ               ｉｎｓｕｒｉｎｇ,               ｐｅｒ               ｙｅａｒ.

Ｉｔ               ｉｓ               ｍｏｒｅ               ｅｘｐｅｎｓｉｖｅ               ｔｈａｎ               ｉｔ               ｉｓ               ｗｏｒｔｈ               ｔｏ               ｐａｙ               ｆｏｒ               ｔｈｉｎｇｓ               ｔｈａｔ               ｗｅ               ｋｎｏｗ               ｗｅ               ａｌｌ               ｎｅｅｄ.

Ｔｈｅ               ｓａｍｅ               ｉｓ               ｔｒｕｅ               ｗｉｔｈ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ.

Ｒｏｕｔｉｎｅ               ｏｆｆｉｃｅ               ｖｉｓｉｔｓ,               ｒｏｕｔｉｎｅ               ｔｅｓｔｓ,               ａｎｄ               ｒｏｕｔｉｎｅ               ｍｅｄｉｃａｔｉｏｎｓ               ｔｈａｔ               ｗｅ               ａｌｌ               ｎｅｅｄ               ｃａｎｎｏｔ               ｂｅ               ｅｆｆｉｃｉｅｎｔｌｙ               ｃｏｖｅｒｅｄ               ｂｙ               ｉｎｓｕｒａｎｃｅ.
               
               Ｏｎ               ｔｈｅ               ｏｔｈｅｒ               ｈａｎｄ,               ｔｏｒｎａｄｏｅｓ               ｔｈａｔ               ｄｅｓｔｒｏｙ               ｈｏｍｅｓ               ａｒｅ               ｒｅｌａｔｉｖｅｌｙ               ｒａｒｅ.

Ａｌｌ               ｏｆ               ｕｓ               ｃａｎ               ｂｕｙ               ｔｏｒｎａｄｏ               ｉｎｓｕｒａｎｃｅ               ｐｒｅｔｔｙ               ｃｈｅａｐｌｙ               ｂｅｃａｕｓｅ               ｖｅｒｙ               ｆｅｗ               ｏｆ               ｕｓ               ａｒｅ               ｇｏｉｎｇ               ｔｏ               ａｃｔｕａｌｌｙ               ｈａｖｅ               ｔｏｒｎａｄｏｅｓ               ｄｅｓｔｒｏｙ               ｏｕｒ               ｈｏｍｅｓ.
               
               Ｍａｎａｇｅｄ               ｃａｒｅ               ｏｒｇａｎｉｚａｔｉｏｎｓ               ｗａｓｔｅ               ｔｈｅｉｒ               ｐｒｅｍｉｕｍｓ               ｏｎ               ｒｏｕｔｉｎｅ               ｃｏｓｔｓ               ａｎｄ               ｔｈｅｙ               ｄｏｎ'ｔ               ｈａｖｅ               ｔｈｅ               ｍｏｎｅｙ               ｔｏ               ｃｏｖｅｒ               ｒａｒｅ               ｂｕｔ               ｅｘｐｅｎｓｉｖｅ               ｔｒｅａｔｍｅｎｔｓ.

Ｔｈｉｓ               ｉｓ               ｗｈｙ               ｐｅｏｐｌｅ               ｗｉｔｈ               ｍａｎａｇｅｄ               ｃａｒｅ               ｐｌａｎｓ               ａｒｅ               ｔｏｌｄ               ｔｏ               ｗａｉｔ               ｆｏｒ               ｃａｒｅ,               ｏｒ               ａｒｅ               ｄｅｎｉｅｄ               ｃａｒｅ,               ｗｈｉｌｅ               ｔｈｅ               ｓａｍｅ               ｐｅｒｓｏｎ               ｗｉｔｈ               ａ               ｒｅａｌ               ｉｎｓｕｒａｎｃｅ               ｐｌａｎ               ｃａｎ               ｇｅｔ               ｃａｒｅ.
               Ｔｏ               ｂｕｉｌｄ               ｍｏｒｅ               ｅｆｆｉｃｉｅｎｔ               ｈｅａｌｔｈ               ｃａｒｅ               (ｆｉｎａｎｃｅ)               ｓｙｓｔｅｍｓ               ｗｅ               ｎｅｅｄ               ｔｏ               ｓｔｏｐ               ｍａｋｉｎｇ               ｔｈｅ               ｓａｍｅ               ｍｉｓｔａｋｅ               ｏｖｅｒ               ａｎｄ               ｏｖｅｒ               ａｇａｉｎ.

Ｗｅ               ｎｅｅｄ               ｒｅａｌ               ｉｎｓｕｒａｎｃｅ,               ｎｏｔ               ｍｏｒｅ               ｍａｎａｇｅｄ               ｃａｒｅ.









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    1. rolanddarbystattler.blogspot.com/   10/03/2011
      ... US INTO TORT REFORM CAPPING DAMAGES OUR COSTS OF HEALTH CARE PROVIDERS IN TEXAS ARE SOOOO CHEAP!!!!. ITS PRACTICALLY FREE TO GO TO THE HOSPITAL OR DOCTOR IN TEXAS. THANKS GOVERNOR...
    2. thinkprogress.org   01/09/2013
      .... Health providers often see good ...James Doulgeris, a health care business and ... often the cheapest option for healthy people...
    3. pediatricinsider.wordpress.com/   05/23/2011
      ...itself actually employs the health care provider? Every dollar spent on you...likely to order the best medicine, or the cheapest medicine? How about those blood...
    4. conhomeusa.typepad.com/therepublican/   01/14/2011
      ...sell simplicity . The problem with Republican health care proposals has always...across state lines, and so on). "Cheaper, better insurance" should be the...
    5. reason.com/blog/   08/22/2011
      ...that coordinated care would make health care cheaper, integrated health networks afford providers new market power that in some cases can...
    6. prairieweather.typepad.com/the_scribe/   08/26/2009
      ...Because it you can pay for health insurance, you can get it -- or... that it's cheaper and it's fairer to...the same access to the same care at the same price. NPR : But...
    7. dumpbachmann.blogspot.com/   07/21/2009
      ... plan will be 30 to 40 percent cheaper. This action will collapse the private health insurance market, and then the Federal Government will own the health provider game.
    8. theyenguy.wordpress.com/   11/16/2011
      .... Italian banks have increased their reliance on the ECB for cheaper funding since the summer as Italy was sucked ever deeper...
    9. lyismama.blogspot.com/   05/05/2011
      ... the best health insurance simply because of the m care health insurance can still find cheap health coverage providers also give you around the florida individual health insurance coverage...
    10. hotair.com/   03/20/2012
      ...cheap. Again, I hear where you’re coming from, but we can’t make health care cheaper at the provider level when we can point to so much overhead-increasing regulation...



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