Posts Tagged ‘doctor’

How Much Will That MRI Cost? Depends on Who You Ask

Tuesday, September 29th, 2009

Price transparency may be one welcome element in healthcare reform legislation. The proposed bipartisan bill written by Senator Max Baucus (D-MT) and his Senate Finance Committee includes a provision that will require hospitals to list standard charges for their services.healthcare-cost

As the system currently works, insurance companies enter into agreements with hospitals and physicians to determine how much they will pay for hip replacement surgeries, cataract procedures and MRIs — all long before the patient enters the scene.  Hospitals and doctors tend to charge the uninsured significantly higher rates than they do the insured.  Medicare sets its own rates, which typically are lower than commercial rates.

“The pricing model is ridiculous,” said Brad Myers, a founder of Pensacola, FL-based NewChoiceHealth, Inc., an online tool that allows consumers to compare healthcare prices.  Myers bases his information on estimates gleaned from Medicare data.

The states of Maine and New Hampshire have addressed this partially with online cost comparison websites that are accurate because they are based on insurance claims paid for real procedures.  Consumers can use the information posted to shop around or to get the best deal possible.  A visit to the Maine website finds that one hospital charges the uninsured $1,326 for a colonoscopy.  The insured pay the hospital between $800 and $950 for the same procedure, depending on who carries their coverage.  Medicare pays the same hospital just $793.

Medicare: The Free Market Option

Tuesday, September 8th, 2009

Medicare gives patients more choice, and a greater range of free-market options than does private insurance.  While Medicare has had its financial challenges, it is an example of a government-run program that gives patients choice.  Sometimes, private insurers refuse to include physicians in their plans; Medicare does not exclude physicians.

The insurance companies insist the idea of healthcare reform to include a public option – such as Medicare – but it’s important to look at the facts that includes a government-run plan.  According to a recent article in Mother Jones magazine, “Survey results demonstrate that Medicare beneficiaries are less likely than those with private coverage to High healthcare cost, advanced healthcare directivereport negative experiences with their insurance plans – including having expensive medical bills for non-covered services, being charged a lot more than insurance would pay, and physicians not taking their insurance.”

According to a study by the Commonwealth Fund, 37 percent of Medicare patients are completely satisfied with their coverage and report few problems accessing and paying for healthcare.  Only 20 percent of people with employer provided plans reported the same level of satisfaction.

One argument often used against the public health plan option is the following: I want to choose my own doctor, and I don’t want a government bureaucrat making that decision.  That’s wrong.  Under private healthcare plans, your only choice is to pick a doctor who has negotiated costs with your insurance company.  Doctors unwilling to negotiate are excluded.

In seeing the way the healthcare debate has been framed, perhaps the administration would have been better off describing the proposed reform as the extension of Medicare to the entire population.

A public health plan option will not introduce a bureaucracy into healthcare; that bureaucracy already exists.

The Loyal Opposition

Tuesday, July 21st, 2009

The Republican National Committee’s (RNC) response to the Obama Administration’s and Congressional Democrats’ efforts to pass healthcare reform legislation was to sponsor a “Hillarycare revisited” fund raising effort.

The RNC warned against “Obamacare” and pointed out that the government “already run2008-08-23-dnc-081s car companies, banks and mortgage companies.  Republicans believe that the last thing the American people want is government telling them when and where – or even whether – they can get medical treatment for their families.”  “Hillarycare” refers to former President Bill Clinton’s failed attempt at reforming healthcare during the 1990s, an effort led by his wife, Hillary Clinton.

Republicans like John Boehner (R-OH) have raised the specter of a “bureaucrat standing between you and your doctor.”  Perhaps it’s worth considering that we currently have an insurance company bureaucrat performing the same role.  Also, government administered health options are almost uniformly popular.  The World Health Organization ranks France’s healthcare system as the world’s finest, contrasted to the United States, which scored 37th.  The United Kingdom’s combination of publicly and privately funded healthcare ranked 18th in the World Health Organization’s survey.