7 massive problems with our health care system
A $21,000 bill for heartburn? Health care is bankrupting the country, and there's little we can do about it. Here's what caused this crisis.
The prices we pay for health care are outrageous, and for those without health insurance, the costs are out of control. Consider the Connecticut woman who went to the hospital last year for chest pains only to find out it was a bad case of heartburn. She didn't have insurance, and Time reports that she got a bill for $21,000 -- $1,000 for the ambulance ride, $3,000 for doctors and $17,000 for a three-hour -- yes, three-hour -- hospital stay.
Her bill included charges for three protein-related blood tests at $199.50 each. Medicare would have paid $13.94 for each test at the same hospital, Time reports.
America spends 20% of its gross domestic product on health care. That's by far the most of any other country in the world.
How did things get this way? Why does medical help cost so much? Here are seven ways the system went off the rails:
1. No consistent pricing. Every hospital has an internal price list called a chargemaster, and none of those are consistent with each other, Brill reports. The prices keep going up almost automatically, a hospital executive tells the magazine.
2. Hospitals are consolidating. They're also buying doctors' offices, which means they can have more leverage over pricing.
3. They use the expensive technology first. That heartburn patient received an $8,000 CT scan first instead of a regular stress test that the hospital bills at $1,200. Did the doctors need to go straight for the pricey stress test? By the way, the cardiologist reading that test charged $600 just to do that.
4. They test too much. Doctors in the U.S. run far more tests on patients than in other countries. One doctor describes it as "giving out CT scans like candy" in the emergency room.
5. They're scared of lawsuits. No one complains when a test ends up solving a mystery illness or improving medical care. But boy, doctors will hear about it if they pass on a test that could have helped. So doctors overtest to guard against potential lawsuits. "We can't be sued for doing too much," one doctor told the magazine.
6. We let it happen. As Brill noted when he went on The Daily Show this week, patients generally green-light the tests without knowing the costs and accept all of this because they have little choice. "You're an involuntary entrant into the marketplace," he told host Jon Stewart. "There is no marketplace in the most important sense of the definition, which is, does the buyer have any power at all?"
7. Congress is weak. The pharmaceutical and health care industries have spent $5.36 billion since 1998 on lobbying Congress, Brill reports. There's no better way to force the government to buckle under your will.
The 36-page Time magazine piece is one of the most important articles to come out in years. It's well worth a read.
Regardless of how often people try to compare how great european socialized medicine is, they wont concede that exemptions already granted in the U. S. and 11 million illegals sucking from the sytem renders any comparision invalid.
Imaging centers from NY to Houston, Detriot, Chicago etc are full of Europeans and Canadians paying out of their own pockets seeking tests and treatments they cant get at home. Thats all i need to know about government run health care. When all this started, I knew there woud be NO reform without the first step being tort reform.
It's amazing and obscene that a lifetime of savings can be consumed by a week in a hospital. The medical system is not fixable - there are no forces that can keep the prices from endlessly spiraling upward. It has to be rebuilt from the ground-floor up. There was a time in my recent past where there was no health insurance, and everything was paid out of pocket. The virtue was, of course, that I could check on the pricing beforehand and I determined whether I really needed to see the doctor. Because lawyers and CEO's and the administrative network weren't involved, prices were enormously less than today. I realized then that I would be responsible for paying out of pocket any catastrophic illness or accident and I was willing to exist in that environment. Perhaps healthcare itself should be eliminated and replaced only with insurance to cover the rare catastrophic event.
Somehow government intervention didn't make the top 7. When the federal government thru Medicare determines what health care providers can be paid for treating the elderly, who are the largest bloc of consumers, providers have to make up the difference elsewhere.
Rising Health Care Costs were the reason many people could not afford healthcare. Insurance companies try to negotiate with medical providers on reasonable and customary charges but the provider doesn't have to accept the amount they're offered. Showing up at an ER because you're bleeding to death etc is not health coverage and the hospital will sue you for the treatments provided so whomever says the poor and illegals can get "Free" care are ignorant. The only way to corral the overcharging of medical services is to mandate the amounts that can be charged, make sure everyone has coverage so the provider doesn't take a hit for providing care and legal expenses going after the patient, and finally providing affordable coverage so insurance companies have a guideline to base their rates on. It's not that Obama care has failed. It hasn't really had a chance to do what it's designed to do. Greedy corporations and right wing politicians and businessman want it to fail so they can get their guy in office next election. Rising health care costs are not caused by Obamacare. Whether Obamacare works or not has yet to be seen. To say it's the cause of rising health care is rediculous since it hasn't even gotten out of the gate yet.
A major reason health costs in America are so high, is the high cost of malpractice insurance. To safeguard themselves and keep their premiums as low as possible, doctors and hospitals have been forced to run all the tests and procedures on patients to avoid being sued. When Congress or the courts or whoever is in charge puts a reasonable cap on damage awards, then you may start to see the costs go down, but it is doubtful. Of course they will charge everyone else $200 for a test medicare pays only 14. The real cost/value is probably somewhere in the middle, but they have to makeup for the underpayments they receive from the 900 gorilla...government.
This is also a major reason you skiers have to pay so much for your lift tickets these days.
Geez Liberal reporter????
Like the hospitals and doctors aren't ripping you off.
Everyone is affected, so stop acting like this is a liberal complaining about their bills.
Pray you never get sick or anyone you know goes broke due to just getting sick
Even the most ignorant and freeloaders are starting to understand the implications of Obamacare. Higher costs, reduced access, less treatment and the ones who thouht it would all be free are realizing illegals ar crowding them out of the emergency room.
The uneducated are also starting to wise up on how the current admin does math- most of them can add and subract at that level.
Even with Medicare, hospitals are finding and using "loopholes" to bill patients unreasonable amounts of money.
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