Tuesday, April 29, 2008

How Insurance Companies Save You Money

The patient had a chronic problem that would continue to cause their health to deteriorate, eventually killing them. Perhaps in just a year or two, or maybe sooner if a nasty infectious process should take hold of them.

The doctors, nurses, and ancillary staff at The Great Muffin Factory are rather good at helping to fix problems like the one this patient has, but it requires specialty surgery. The patient's insurance company would even pay for said surgery...

But not at Muffin Central. We are not one of their preferred providers. So the plan now is to "stabilize" the patient, then ship them off to California.

3 comments:

Woody (Tokin' Lib'rul/Rogue Scholar & O'erall Helluvafella!) said...

from whither will the patient be sent to California? Guam? Colorado?

there is only one solution to the health/care crisis, and that is universal, single-payer, walk-in-bleeding-show-id-get-help immediately COVERAGE...imho

Birdy said...

Oh, so that's why we're getting that patient shipped in from Arizona...

Becca said...

Because that makes sooooo much sense for the "good of the patient." [/sarcasm]

I was doing a search around the Interwebs last night and came upon something that might be a way forward to correct problems like this:

The FCC has banned exclusivity contracts with HOAs that prefer one cable provider over another--mandating that HOAs cannot prevent any cable provider from providing service to a community.

Perhaps we need the same thing for health care--a ban on restrictions such as this. If a health insurer will cover procedure X at one hospital, then they must cover procedure X at any hospital. Moreover, there should be an outright ban on health insurers having preferred or exclusive agreements with hospitals or other healthcare providers.