MsRobyn, you clearly are far more knowledgeable than I in the area of insurance.
In my immediately prior post, the examples came just off the top of my head. I was somewhat hesitant as I typed them. I defer to your specific experience as to the specific examples I made up. It does not seem impossible to me that an individual could be disadvantaged by information sharing, and not realize that they were disadvantged or the specific cause of their disadvantage. But, since I cannot come up with a good example, I will abandon that.
You observe that no one is really arguing my basic premise. Agreed. Tho I view much of december’s posts as suggesting that any potential harms are relatively minimal. I also acknowledge that to some extent I was rephrasing my position. Given some of the intervening posts, I felt like doing that, absent a tremendous amount of clash in this “debate.”
You state that I can’t have it both ways. Well, I think I’m only having it one way when I express displeasure with the current state of American insurance. I find something offensive about profit as a (if not the) primary motivation for the provision of basic medical care. Speaking of my personal experience, I perceive myself as deriving no personal benefit from health insurance being as convoluted as it is. I resent having to try to predict what my family’s medical needs will be over the upcoming year when I decide which of several HMOs and PPOs I sign up for. I dislike having to make budgetary decisions about medical care, such as whether a certain ailment is worth a copay, or whether to seek routine dental and vision exams which are not covered. I resent having to become more familiar with my HMO’s prescription formulary than my doctor. And I hate the hours I must spend wading through my HMOs referral requirements that seem to change day-by-day, and then straightening out billing errors and denials after I made an honest effort to comply with their requirements. I consider it obscene that the richest country in the world cannot provide a better safety net of health provision for our poorest citizens. I dislike that in some cases maintenance or preventative measures are not covered, although more expensive care for a resulting and preventable condition is. It strikes me as inefficient that my doctor’s office has to expend so much effort on navigaing the insurance environment - effort they could instead expend on patient care.
Again, this is just a list off the top of my head, and is based upon my personal experiences instead of detailed knowledge of the industry.
But, since I am not a fan of the way the system is set up, I REALLY am not a fan of a policy change that seems to have the potential to harm me, while having no significant benefits for me.
Also, the initial linked article is not the initial one I read,and I had no itention for it to circumscribe the debate. The initial article I read was from Saturday’s Chicago Trib. It was much longer and, IMO, more informative than the one I linked, but the online version requires registration. I have also read additional articles since then. None of them suggest any advantage to the consumer, but several have repeated Tommy Thompson’s ridiculous comment of running all over town.
It seems telling to me that no one has stepped in to champion this policy change. To me, it seems but one of the more blatant elements of what seems to be a consistent undercurrent of the present administration towards curtailing individual rights and interests in favor of business interests or government efficiency. But, I should avoid extrapolating too much from this specific issue.