This morning I feel like complaining again about health care. My feathers have been ruffled by an April article in the Wall Street Journal by Jonathan Kellerman, The Health Insurance Mafia.
Using personal experience he connects two easy to find dots, insurance and health care.
His "Mafia" is, of course, the insurance people, not the providers.
You don't need to be an economist to understand that any middleman interposed between seller and buyer raises the price of a given service or product...
The health insurance model is closest to the parasitic relationship imposed by the Mafia and the like. Insurance companies provide nothing other than an ambiguous, shifty notion of "protection." But even the Mafia doesn't stick its nose into the process... When insurance companies insinuate themselves into the system, their first step is figuring out how to increase the skim by harming the people they are allegedly protecting through reduced service.
The writer illustrates the point from personal experience.
Several years ago, I suffered a sports injury that necessitated an MRI. The "fee" for a 20-minute procedure was over $3,000. My insurance company refused to pay, so I informed the radiologist that I'd be footing the bill myself. Immediately, the "fee" was cut by two thirds. And the doctor was tickled to get it.
I can't go on or I'll get incoherent. I have no way to help those who misses one blindingly clear point: Health care comes from health care providers, not insurance companies. Insurance companies exist to make profits for their share-holders. Therefore, every dollar of profit reported by the insurance industry is one less dollar not paying for health care.
The beginning of the chain is neither the provider nor the insurance company. The money comes from those who pay the insurance premiums.
Those who argue in favor of "affordable health care" never breathe a word about "affordable health insurance" because at some level they understand that therein lies a contradiction.
Go to Guaranteed Health Care Dot Org