samhill wrote:... what they do is channel money from a for profit to a non-profit for something that was never done & we wonder why HC costs are so high.
The private insurance companies seem to play all kinds of tricks. I have noticed it most obviously on prescriptions and DME (durable medical equipment). I won't repeat the details of previous posts -- suffice it to say, I was able to get many items cheaper by paying the total cash price out of my own pocket, than by paying the fake inflated co-pay percentage when billed through insurance. I suspect that similar tricks apply to doctor and hospital care, but the billing is not so transparent there and often the care is urgently needed so there is not time to shop around as there is with prescriptions.
Under Obamacare, I believe all insurance companies are required to provide exactly the same minimum coverage, so it becomes harder for them to play tricks, and easier for the consumer to shop by price. That, incidentally, is how my Medicare coverage seems to work, except for Part D prescriptions where there is less transparency and more room for insurance company games (thank you, W). I would prefer a marketplace free of government involvement, IF that marketplace worked properly, which it does not and has not for many years. Do I think Obamacare is perfect? No, of course not, but let's fix the imperfections, not throw it all
out under the dishonest pretense that it will be replaced with something better.