fucktoyprincess
Posts: 2337
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quote:
ORIGINAL: kalikshama quote:
Most of the best specialists in New York don't even take insurance. And if you submit to insurance to cover some of the costs, generally, only a fraction of that expense will be covered. For example, most high end specialists in the city charge 2-3 times what insurance will cover for an office visit ($500-$800 is typical where insurance would likely only cover $100-$200). That's interesting. I've never rec'd care in NYC, but when I received medical care from providers who did not take health insurance, they charged less as they did not have the paperwork overhead hassle. These were not rare specialists high in demand, however. I think the overhead of a practice in the city is very expensive, so it drives a different dynamic. I know my friend who took her baby to a gastroenterologist in the city and the initial visit was $800. My friend is in a position to pay that, and she made the choice to see that particular specialist. But it goes without saying that most people could never afford that. The city also gets lots of people from other parts of the country or world who seek out particular specialists here. Just a completely different dynamic. So what ends up happening in the city is very much a three-tier system. The very wealthy (from all over the world) go to whomever they want, and simply pay (and then get reimbursed for whatever their insurance company is willing to cover). Those who have less to spend on healthcare but who have insurance coverage end up at second-tier doctors who are within their insurance network. And the truly poor and/or uninsured end up either at the hospitals or at clinics located in the poorer neighborhoods where they truly do not get properly monitored care. What happens in the city is exactly how much of the Third World operates when it comes to healthcare. Shocking really that people somehow think the U.S. has great medical care. We only do for those who can afford it. My Canadian and British friends (regardless of their level of income) never complain about healthcare. Ever. Even about the wait lists. I think overall, the system in those countries seems to more adequately address the day-to-day health issues that most people face. Also, we end up with the problem in the U.S. of once something is covered, you get a large number of procedures being done (e.g. colonoscopies), even when not completely medically necessary, just because doctors know the insurance will cover it. Too many decisions get driven by what is covered and by what is not, and not by what is the best medical approach for a particular patient. So many $$ get spent, but not always efficiently or effectively. In addition, the focus is always on tertiary care instead of preventative care. Again, more expensive, but not always particularly effective. Okay, I'm going to stop here, because I just so truly hate how our whole medical system works. And I don't think it is anyone's fault, per se. The system is just not designed properly.
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~ ftp
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