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Monday, February 16, 2015



The real problem as I see it is that people are dependent on their employers for their health insurance. Or even that health insurance is required for health care at all. Of course many procedures are far too expensive (for no good reason in many cases...) for most people to pay out of pocket, but the way the system is set up, insurance companies get to choose what procedures a patient receives, even if it conflicts with a doctor's recommendations, by simply not approving coverage! For example, my mother was denied extra physical therapy appointments because the insurance company refused to cover it and she couldn't afford to pay out of pocket. And the physical therapy was still cheaper than invasive procedures.

The ideal situation, in my opinion, is medical procedures and therapies (and medicines, etc.) to cost only a fair price and mostly affordable for average people to pay out of pocket (such as a few cents for an aspirin, unlike the astronomical cost a hospital charges). Also more access to cheaper alternative therapies instead of going straight to the expensive drugs and surgeries that are currently what many doctors prescribe first. Perhaps small community insurance to help people pay for more expensive procedures when necessary.

Until then, a single-payer system is best as long as the government doesn't refuse to cover alternative therapies. If it gets to pick and choose what to cover, it's no better than private insurance companies.

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