There
was a time when there was no medical insurance.
Towns had family doctors. There
were no hospitals. Sick people stayed at
home and were nursed by family, and doctors made house calls.
Some
doctors had nurses and rooms for critically ill or injured patients. Doctors with medical specialties were located
in larger cities with more rooms and staff.
There
was no insurance so people paid for their own health care. If they were poor,
the doctor would have to wait for payment or barter. The doctor did not always get paid, but
seldom withheld care from anyone.
Sometimes
the doctor was paid with eggs, meat, or firewood, but most people tried to pay
the doctor with cash. Medical doctors
were the more affluent and respected members of the community.
Eventually
hospitals were built to care for the sick.
They did provide a service, but were not profitable. In order to keep the doors open, they started
to ask people to pre-pay for their hospital stay. It worked.
Insurance
companies recognized a new market. They
sold the public on the security and convenience, and they sold the medical
providers on reliable payment. I blogged
about this on March 8, 2012.
The title was The Greatest Marketing Job Ever in the US.
Unionized
industries promoted offering employees medical insurance because it was cheaper
than giving them wage increases. They
were not farsighted enough to see how this could bite them in the future.
Medical
insurance providers increased costs due to increased paperwork and patients no
longer asked about cost. When the
government got involved costs increased.
Patient
care changed. People had to get
pre-approvals from their insurance provider for some services. They were often
restricted on their choice of doctors.
Doctors began to run unnecessary tests to protect themselves from lawsuits. Health care decisions were no longer between
the Doctor and the patient.
Health
care providers jacked up prices and then discounted to the insurance
company. This was unfair to any
individual who had no medical insurance. With medical insurance, health care costs are
five times as high as if there was no medical insurance.
It
drives me crazy when I hear politicians interchange the terms health care and
medical insurance. They are two separate
and distinct things. Government keeps
trying to fix a problem that was caused by insurance with insurance.
How
do we fix it? The only solution is to
encourage true major medical insurance, and health care savings plans. It should be illegal for any health care
provider to have any direct contact with an insurance company. We also need tort reform to prevent frivolous
law suits. Heath care costs can and
would be reduced by 50% to 80%.
Unfortunately,
this will probably never happen. We have
gone down a path of no return. Any
rational person knew that Obama Care could never work. It was a step down the path to single-payer
or Medicare-for-all which will also not work in the long run. The last step is government provided health
care, which will mean higher taxes and lower quality health care. Not a bright future, but definitely where the
country is going.
“Trump did not bring division. Division brought Trump.
If you don’t see that, then you’re
part of the problem.”
Ava Armstrong
God bless President
Trump and guide him to make America great again.