Health insurance is not the solution, but part of the problem. It causes enormous overhead costs for filing, etc. See the STATMed philosophy, which appears at the end of this article.
Americans have been conditioned, by big industry, to believe that health-care does not exist without insurance. This is simply not true, and is an intrinsically unhealthy attitude. In fact, some Muslim cultures outlaw “health insurance”, because it is tantamount to gambling.
Paying enormous premiums amounts to betting against yourself, because that money will only be “used” if you get sick. And who can afford them anyway?
The Obama health-care scam will slap a fine of $1,000.00 a year per person on those who do not buy into its “insurance” plan. These fines will, in the current administration’s mind, offset their trillions in unauthorized political give-aways known as the Stimulus Bill. Call your congresspeople and senators now, and tell them to leave the health-care system alone. Alternatives are cropping up all over the United States, such as Wal-Mart’s $4.00 prescription plan, and non-insurance-based clinics, all of which can provide remedies without paying thousands into the insurance-gambling schemes.
Many doctors will offer you a steep discount if you are not “insured”, because the money that they save by not having to deal with the insurance companies is colossal. And the government now wants to get into the health-insurance racket–since when have they ever succeeded in causing anything but pain to citizens? If President Obama’s health-scheme comes true, with the aid of an unwitting congress and senate who, once again, will not have time or ability to read the outsized bill–the largesse of doctors and clinics towards those who don’t have insurance will come to a screeching halt, because any such activity will be prohibited. A citizen will have no choice but to participate in one of the most corrupt, corrosive systems in history.
For now, there are clinics, such as STATMed, that offer health-care at reasonable prices for those who are not fortunate enough to have an employer arrange their “insurance”, and for we who simply cannot afford to gamble on the insurance schemes.
~~Copyright M-J de Mesterton 2009
In the past 5-7 years, the cost of medical care and medical insurance has escalated to unreasonable levels. Many working people can no longer afford medical insurance–and it’s not a matter of being cheap, it’s just insanely expensive. Every year the premium costs have increased 10-20%, regardless of how much you, personally, used your insurance. The person who is healthy and seldom goes to the doctor, pays as much as the person who is always sick and saw the doctor 30 times that year. There had to be a better way.
The answer was to go back to “old-fashioned” medicine where you paid the doctor for your care. It’s pretty basic, but we’ve lost track of that concept since insurance came into existence in the 1940’s and now has grown to a multi-billion dollar industry. Now we are made to think that what’s important is for everyone to “have insurance”, rather than everyone should have access to affordable medical care. The key word being affordable. There are a lot of hidden costs in a traditional doctor visit, and some of them we can’t escape–like the ridiculous cost of malpractice insurance, reasonable wages for employees (since we can’t outsource to India), rent, utilities and cost of supplies, but one cost we can eliminate completely- the cost of dealing with insurance companies.
It costs a doctor a lot to file your insurance for you. Think of how many plans are out there, and each one has a different system, a different form, different co-pays and pre-approval requirements, different addresses and different paying cycles. It’s a nightmare. To manage this nightmare, the doctor needs additional staff, and not just any staff, but specially trained staff who know the intricacies and details of how to code for an office visit so the insurance company will pay for the visit. Because this staff has special training, they’re paid more too, and that gets expensive. Not only that, when a doctor agrees to accept an insurance plan, the insurance company wants a discount–since they’re providing the benefit of access to this huge group of people. The discount varies, but can be as high as 40%. Who do you think makes up for that discount? YOU–the cash paying patient since you have to pay the “rack” rate–and not the discounted rate the insurance companies get. Not only is there the discount, there’s the game the insurance companies play of denying payment on a claim “until further information is provided”, which usually turns into “until the doctor finally gives up and takes the loss”. Or, the insurance pays a partial amount of the claim and then makes the doctor file an appeal to get the rest, which they deny until the doctor gives up. All of these loses have to be made up somewhere, and we all pay the price.
It’s all a game, and STATMed doesn’t play it. We believe that if we take the insurance company out of the middle, we can give you excellent medical care at its true cost–and we’ll give you our best estimate of the cost before you agree. There are no hidden costs, and no further billing after your visit. It’s a new “old-fashioned” idea and we think it can work.