I had an insuranc background (property/liability) however worked in Human Resoruces so was on the Life/health side too. I had a hate/love relationship witht eh fact that insureres got heavily involved in health isses in the 1980's (i.e second opinions, require authorizations for hospital stays, etc. some of it was good because of over use by both doctors and consumers and some of it interefered with medical best practices. the medical community adapted by uping their fees knowing cuts were coming.
To emphasis the point of overuse the only medicl area that could not be entire controlled was with those states that had No Fault Ins urance (PIP) flrodia, New York, New Jersey, etc. I can tell you factually some doctors, lawyers police officers, and their clients milk that system for all it was worth.
the Affordable Act is going to be all that is not good about our present system nd its going to be it on steroids. If you believe its bd now...just wait
Bottom line for me I wish the government and the insuranc ecompanies would let the market settle all of this.....but they won't lastly advances intchnology and the ability to extend life has also plenty of play here ....as does defensive medicine in order to avoid being sued or more to the pointthe fear that the docotr will lose a suit and his/her reputation especially if it is against a creative attorney like John Edwards of North Carolina who drove more doctors out of the state over his histronics in the court room
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