navygirl76;2847091; said:
working with doctors and nurses everyday, i can say that they really do try to do the best they can-IMO the breakdown isnt in their care-but in the beurocratic crap that goes with healthcare! there is no backup of the worker-we have noone to stand behind us if we try to make a drastic decision to help the patient, and we lose our licenses for it. i know the healthcare system needs remade from the bottom up- there are waaay too many patients to nurses ratio-and its dangerous for everyone.
i could go on forever at what needs done-and insurance itself is outrageous to pay on monthly and the coverage isnt that great. i pay 80 bucks for a vial to get allergy shots-i used to pay about nothing.. that adds up to an expensive allergy bill and i get shots weekly.
uggh. .
I work in insurance and I can tell you first hand that insurance is saving you HUGE HUGE. If you didnt have it, doctors could charge you what ever they wanted (and they should). What insurance does, is not only cover those huge medical costs but an in network physician has contracted rates they can charge you. For example that allergy vial could be charged to you what ever the allergist wants to charge you, instead you have a set price of $80.
Another example, most standard x-rays are billed at around $150, most contracted rates with my company for the same x-ray is about $30.
You may say that, that is fair to the doctors but most physicians will benefit from insurance companies too because being contracted with certain companies will bring them patients. There is a reason that the specialty, specialists will not be contracted with many or any insurance companies as the service they may offer is so rare that people that will need their service will come to them no matter what. Also instead of a patient potentially not being able to pay (it happens ALOT) an insured patient to a doctor is pretty much a guaranteed check.
Another thing many people dont realize is that historically employers have been paying a major percentage of your premium. As companies are cutting corners as much as they can, the percentages they are paying for your premium is going down and down.
Insurance does suck. It sucks when you dont need it, but when you do, it sure comes in handy!! Its a gamble.
If you want your blood to boil think of how much health insurance costs and what it covers vs your car insurance and what little good it does.
