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View Diary: My Daughter and the ACA: Why We Still Need Single Payer (32 comments)

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  •  One of the things the ACA is (2+ / 0-)
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    pianogramma, lonespark

    doing is reforming the delivery of care which will bring down costs while it improves care. The reasons it is so expensive is that it is inefficient, fragmented, using unproved treatments, concentrated on the wrong things and the greed of providers (of all types  — but NOT all individuals) and the demands of patients for what they think they "deserve."

    Health care insurance is different from other insurances. It is a combination of insurance for high cost needs, an assumption of risk which is needed, AND a savings/prepayment program for the lesser. The reason for bundling them is that the more you can prevent or catch early the lower the cost of high risk/high cost interventions. And if the prevention (primary or secondary) is free, in actuality prepaid, then people are much more likely to use them. This reduces high risk care — so the insurer has an interest in your getting the low risk prevention and early care.

    That's why flu shots are very low cost or even free.

    Another reason is that a few trained entities can bargain better with doctors, therapists, hospitals, labs than most individuals can, especially when the are ill.

    Then too, where do you draw your lines? Is a pregnancy and delivery a normal cost? What is you develop some condition at the very end of pregnancy or the newborn does? Should insurance take over if a person has done nothing as prenatal care?

    A lot of people are very low income, working people that is

    I'm asking you to believe. Not in my ability to bring about real change in Washington ... *I'm asking you to believe in yours.* Barack Obama

    by samddobermann on Thu Oct 04, 2012 at 03:56:50 AM PDT

    [ Parent ]

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