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Originally Posted by Guest
Your insurance premium MUST be greater than what you will/are anticipated to use in a lifetime. Since we average about $1 million per person...it comes out to over $1,000 per month for 960 months...or 80 years. There is NO CHOICE other than $1,000 a month+ payments without someone else subsidizing you.
How do you bring the costs down? EVERYTHING gets cut in price. Material, equipment, salaries...all must come down. Malpractice insurance costs ARE high...because doctors get sued a lot...because doctors make mistakes. The medical industry is the 3rd leading cause of death.
what percent of deaths due to medical - Google Search |
Yes, doctors do make mistakes. Mistakes usually do not equal malpractice. Malpractice is doctors
intentionally not doing their best for a patient but to benefit themselves either financially or convenience. I know of such instances. My friend back home had a GP tell her that everything was in her head. I finally talked her into going to my GYN doctor. The first thing he did was a PAP smear. She had cancer. The other doctor had never even bothered. That is malpractice.
The biggest problem with malpractice insurance are those who will scream malpractice when something unavoidable goes wrong or they don't get the desired outcome. My husband suffered a stroke after surgery through no fault of the doctor. He knew going in that it was a possibility, but was a surety without the surgery.
No way would I file a lawsuit on that, contrary to what someone told me about how 'rich' they guessed I was after suing the doctor. Didn't take me long to straighten her out.
Take out the unscrupulous lawyers who file frivolous lawsuits and outrageous awards and that will most certainly help. Not a cure all, but a help toward the equation.