Quote:
Originally Posted by Parker
Sigh. How I miss the good old days when we all paid a modest monthly fee for great coverage that paid for everything. One didn't even have to think about it. No options, checking fine print for exclusions, etc. Can't we go back there?
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I wouldn't want to go back to the days of the dr. having nothing to offer except aspirin, penicillin shots and cobalt treatments for dreaded diseases. The incredible technology and knowledge we now have comes with a high price of research and development over decades for a single treatment, and medical workers' pay......all of which have to be heavily insured. When a major drug fails once approved and in use, like Vioxx...the lawsuits go on in perpetuity.
I do think however that people would be more accountable for their medical spending if THEY got the insurance payment to then pay the drs, hospitals and providers. Most people have NO idea how much they are spending and do not shop around for less costly treatment for things that can wait a bit.....or for things that have simple, over-the-counter remedies. Many people run to the ER for things responsible people would put a band-aid on.