I’m trying to understand it. Why do we blame the insurance companies for everything? Specifically, medical insurance. You see on the news all the time about how the doctors say that this man with cancer will die for certain unless he gets a controversial treatment in the next three weeks. Insurance company refuses to pay for it. Now that man is stuck, unable to pay, waiting to die, and its all the fault of the insurance provider.
Sick child needs tests 1-8 to determine what’s wrong and pills 1-4 to get better. Insurance company refuses to pay for tests 2, 5, and 7 and pills 2 and 3. Suddenly it’s all the insurance company’s fault if the child gets even sicker.
Now don’t get me wrong. I’m not fully defending an insurance provider for denying a proven treatment to a helpless patient. I’m not fully defending denying experimental treatment to a dying patient. What I am asking is why is it always the insurance company that’s to blame?
What about the doctors whose bills are too high? Can’t they cut the price of surgery? Can’t the drug companies cut the cost of pills? Can’t the medical suppliers cut the cost of the equipment they provide?
The bottom line is that medicine, much to many people’s dismay (including mine) is a business. Business decisions need to be made every day or else everyone suffers. But everyone is making these business decisions, not just the insurance companies!
I’m just trying to find out why we hate HMOs more than the doctor who set his prices at what they are.