chasedave 
Member since Oct 29, 2010


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Re: “Otter Issues Executive Order to Prohibit Implementation of "Obamacare"

The quote in the article "...preserving the health insurance marketplace" is a classic sign of a "Preservative" masquerading as a "Conservative" (btw, most elected "Progressives" are also "Preservatives"). The objective shouldn't be to preserve the status quo.

Today's insurance reimbursement process is an impediment to the delivery of affordable, patient-centered primary care. To get paid, your doctor has to meticulously track everything he does—and why—then navigate an incredibly complex system of billing codes that is prone to error. She'll have to negotiate and resubmit charges when the insurance carrier denies payment, which it often does. And when she finally gets paid for your visit, she'll get a low contract rate—about $50–$70 in Seattle. It's no wonder that today's primary-care doctor has to see so many patients each day just to make ends meet.

Repeat this same reimbursement process for lab tests, X-rays, and prescriptions. You'll see why insurance-related administrative costs consume over 40 cents of every dollar spent on primary care, money that isn't being spent on care itself.

Does one really need insurance for routine primary and preventive care? No. But somehow health care has become synonymous with health insurance. Insuring primary care is like insuring lunch. You know you're going to need it. You know you can afford it. Why on earth would you pay a third party to pay the restaurant on your behalf, adding overhead and taking a big chunk out of the money you pay—and because of the process, have to wait a week to get a table and then have only 10 minutes to eat?

Google "Do it yourself health reform" for more on a better way -- it's a model that only Preservatives won't like. Whether one is a conservative or a progressive, there's much to like. It's not theoretical - it's happening all over. Seattle-based Qliance is the best example. It's time to expand it to Idaho. It sounds almost too good to be true - it costs less and has much better health outcomes. It's possible when you get insurance out of the day to day and use it for what it does best - the equivalent of a major car accident, house burning down, etc. where insurance works well.

Posted by chasedave on 04/22/2011 at 12:00 PM

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