Quote:
Originally Posted by Fredog
so when you are elected president, what are you going to do about it?
Take the insurance companies OUT of the decisions about the healthcare that a patient gets. The doctors and the patients get to make the decisions, and the insurance gets to cover the costs. The same goes for HMOs. Currently, the insurance company gets to dictate that "THE PATIENT DOES NOT NEED THAT PROCEDURE", or that the procedure is "EXPERIMENTAL", and they will not cover it. That is not the insurance company's choice to make. That choice belongs to the person whose life is at stake, and the care-giver.
People all over the country have died because the insurance company, or the HMO decided that the patient did not need a certain test. Then, a year later, when the insurance company finally said to give them the test, it was too late. I had an uncle that fell victim to this. And, the insurance companies NEED to be held liable for things like that. If the doctor can be sued for mal-practice for making a wrong decision, then if the insurance company is going to get involved in that process, they become liable as well.
If insurance companies are going to meneuver themselves to where they have a "CAPTIVE AUDIENCE" (manditory insurance), then they are not allowed to make many decisions about the coverage or premiums. If insurance is voluntary, they can have a wider range of options, until it comes to health insurance.