Originally posted by Capt_Fantastic
Despite all the various points of view, I think we can all agree that the biggest hurdle in decent healthcare in the US are the pharmaceutical companies. Just sit down and watch 15 minutes of television and I'm sure you'll come across a disease you have all the symptoms of, all of which can be treated by some largely untested drug.
I partly agree with you on this one. I think there is a cottage victimization industry in this country that cuts across several industries. The marketing idea behind some of these pharmaceutical companies is to make the American public discover the heretofore unrealized fact that they are in desperate need of their drugs...for any variety of ailments. The culture at large promotes this mindset as well, and seems to promote the idea that Americans are sick, slovenly people who are a stone's throw away from utter physical ruin and/or death. Unfortunately, this is a sort of a self-fulfilling prophesy as more and more Americans take less responsibility for their personal health, stop trying to take care of themselves through proper diet and exercise, and then try to use pills as a stopgap to stave off that next heart attack and/or bout of erectile dysfunction. I, for one, would like to see a shift in the American mindset concerning personal health away from the appalling willingness to self-brand oneself a victim.
Actually, I would award the number one culprit in high medical costs in this country to the insurance companies--and those who don't know how to use their coverage properly and/or are not afraid to defraud the American consumer. As a general rule of human nature, people will abuse what they perceive as "free." Low deductible coverages encourage people to go to the doctor regularly for non-emergency treatments. Insurance companies don't mind this, because they know they can ultimately recoup expenses from the premium holder in the form of higher rates. The hospitals love this mentality too, since they figure they can "sock it" to the insurance companies and charge exorbitant prices, since the actual patient will never see the real bill. The problem with this system, and will all types of blanket, low deductible plans, is that it discourages discretion and accountability in the selection and payment of services.
High premium insurance is affordable to almost anybody. Its lone "drawback" is that it actually forces you to only go to get treatment or surgery if its a dire emergency. Oh no! Isn't that what insurance should be for anyway? Catastrophic events? Unless you're elderly, have special conditions, or have young children, I would venture to say that a high-decutable plan would fit everybody's realistic needs. Minor sickness can be addressed by paying out of pocket. It's cheaper than paying the higher price for a low deductible plan!
People need to be honest with themselves. Nothing is free. Nationalized care would be mucho expensive and wouldn't necessarily provide better service--in all likelihood, overall service would decline. As with most things, I believe the best and most efficient way to create effective service and care for people is to give the market free reign. Big insurance and the near universal belief in low-deductible coverages has allowed a pricing system to grow in place that is not sensitive to real world conditions. Introduce more personal accountability on the patient side, and watch prices come down! Health care providers would be forced to accommodate a more budget-minded consumer who, in the absence of low prices, would fail to avail themselves of the service.