3 ways insurers can still avoid covering the sick

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  • My2Cents Taylorsville, UT
    Aug. 29, 2014 5:05 a.m.

    A single payer health care system means that the ACA must socialize all heath care where no insurance companies exist or cover health care. The government must pay the whole thing with taxation and an even bigger reduction of covered services. Not only must they socialize health care all hospital become government property and doctors become governemnt employees who become fixed income federal workers. All medical records become property of the government and privacy of doctor patient laws will be voided and death will be most people hopes.

    A look at the VA problems and dysfunctional health care is an example of what can be expected with government mandated health care, sometimes you can get it and most of the time you can't because doctors, nurses, and medical training become obsolete in the profession.

  • Stormwalker Cleveland , OH
    Aug. 28, 2014 6:38 a.m.

    The problem is not the "middle man." The problem is the middleman with huge overhead, high salaries, and shareholders who demand return on investment. Insurance should be a non-profit zero-sum operation, not one of the more profitable investments in the country.

  • Tekakaromatagi Dammam, Saudi Arabia
    Aug. 28, 2014 6:30 a.m.

    "Perhaps insurers and their profit margins should be wiggled right out of the health care business and replaced with a proper, single payer health care system."

    I agree with a single payer system, but so far no one has proposed who that single payer will be and no one has volunteered.

    I would object to the idea of the federal government to taking out a loan to be paid off by my grandchildren. They are in diapers now and aren't old enough to consent to being liable for such a large bill when they come of age.

    Are you willing to volunteer? Is anyone?

  • Kora Cedar Hills, UT
    Aug. 27, 2014 4:38 p.m.

    lost in DC is right, and HVH is wrong. Unless people pay directly for their own medical costs, there will always be a middleman. And as long as Americans demand perfect care and every test gets done, regardless of cost to the insurer/government payer, our system will be expensive. Single Payer will not change that, especially as long as Obama does nothing about malpractice since he is protecting the attorneys.

    All of the countries with lower healthcare costs also limit services much more severely than in the US, and they limit physicians liability. This reduces the defensive medicine practices that lead to lots of expensive tests all in the name of trying to avoid any possibility of being sued. The fact is that Americans are not willing to accept reduced services, decreased access to services, and long wait times. Until that changes, it does not matter who pays, it will be expensive.

  • lost in DC West Jordan, UT
    Aug. 27, 2014 2:27 p.m.

    Time to get the middleman out of the way? That would require you to pay the doctor directly; all you want to do is replace one middleman, the insurer, with another, the government.

    Had FDR (D) not messed with free market labor costs, health insurance would not have been connected to job benefits, and the middleman may never have been inserted in the first place.

  • techpubs Sioux City, IA
    Aug. 27, 2014 1:42 p.m.

    @Happy Valley Heretic,
    Universal Healthcare will not make the costs go down. We have to first reduce the costs of educating providers, manufacturing medical devices and drugs, reduce lawsuits, etc. in order to reduce the costs of healthcare.

  • techpubs Sioux City, IA
    Aug. 27, 2014 1:03 p.m.

    Prior to passage of the PPACA Health Ins. had limited networks, varying copays, and different levels of drug coverage depending on how much risk you were willing to assume. I was fortunate that my employers' policy in 87 covered Mayo Clinic and Methodist Hospital in Rochester, MN. Otherwise it was explained to me that I could have my transplant in Seattle.
    When will people realize that having coverage does not guarantee that you can afford the Health Care you need. For those who are not affluent the costs are still too high and the PPACA did nothing to fix that. That is why we will continue to have more problems surface as it is fully implemented.

  • OneWifeOnly San Diego, CA
    Aug. 27, 2014 11:44 a.m.

    Are narrow networks a function of the insurance company or a function of the doctors and hospitals? I know my doctor does not accept all insurance plans and that is because he has to make a living too and he has decided what rates he is willing to accept.

  • Happy Valley Heretic Orem, UT
    Aug. 27, 2014 11:04 a.m.

    Time to get the middle man out of the way, the health insurance industry has proved itself a dinosaur lets get on with universal healthcare, like the rest of the grown-ups in the world. Maybe then we can concentrate on actual care and move up the ladder.

    The U.S. ranks worst among 11 wealthy nations in terms of “efficiency, equity and outcomes" despite having the world's most expensive health care system.

    or we go back to the republican plan of emergency room services for all but the favored few.

  • lost in DC West Jordan, UT
    Aug. 27, 2014 10:44 a.m.

    Obamacare was, is, and always will be a disaster. the dems over promised and under delivered, as usual.

  • Irony Guy Bountiful, Utah
    Aug. 27, 2014 9:25 a.m.

    Insurers live on the principle of tail risk, so they do everything they can to avoid paying out or taking on expensive customers. Obviously, they will continue to do this. 40% of their overhead is devoted to vetting and denying claims. Meanwhile, the president of UnitedHealthcare is the highest paid CEO in the nation, at #106 million last year. The insurance business is a massive protection racket.

  • DN Subscriber Cottonwood Heights, UT
    Aug. 27, 2014 9:16 a.m.

    More class warfare rhetoric from Associated Propaganda.

    Despite what some think, health care is not free. Hospitals, doctors, medicine, and treatment costs money. Someone pays for all that, or there will be none for anyone.

    Insurance is simply a mathematical exercise where the expected costs for treatment for a large number of people are divided among all those people, expecting that some will be very sick and cost a lot, while others will be very healthy and cost very little. But, no one can predict who will be sick or healthy, so it is something of a gamble.

    You can add benefits and increase costs, or exclude people very likely to be, or already seriously ill and cut costs.

    But, the number have to add up. There is no free medical care, or free lunch. Someone will pay, either directly on an individual basis, or averaged over a large group like insurance does, or by confiscating money from somewhere to pay costs not covered by the individual or insurance- taxpayers or "the wealthy."

    Insurance is good, but it merely averages costs, not creating magic free welfare money.
    You pay in for defined benefits, hoping never to use any of them.

  • Hutterite American Fork, UT
    Aug. 27, 2014 9:07 a.m.

    Perhaps insurers and their profit margins should be wiggled right out of the health care business and replaced with a proper, single payer health care system.