eulero83
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quote:
ORIGINAL: DesideriScuri
The Citizen should be the customer, and, generally, is here. Let's see how this plays out below...
The Citizen is the customer.
The Health care professional is the provider/producer of the services.
Health care facilities (clinics, hospitals, private practices, etc.) are the employers of health care professionals, and the source of the professionals' pay.
Health care services are the products.
For a facility to pay a professional to produce a product, the facility has to be paid for that product. That is where insurance comes in. Health care can be expensive, so to minimize the cost to any one person, groups of individuals would get together to form "risk pools." The risk is the odds of having to get health care (and, thus, pay for health care). The higher the risk, the more expensive a pool is considered to be, and the higher the premiums are (to make sure care is paid for). Risk pools are broad and there are people within one risk pool that are more risky than average of that pool, and there are people within that same risk pool that are less risky than the average of that risk pool. Treating everyone in one pool as having the same risk means that each of those people are paying the same premium. But, if you are the least risky in any given pool, you are paying more than you would individually, according to your personal risk, than the rest. And, if you are the riskiest in any given pool, you are paying less than you would individually.
Insurance is a way to lessen the cost of your health care. Now, imagine you didn't use any health care at all (never went to the Dr., never took any prescription medicines, etc.). What did you spend all that money for? You, essentially, paid your premiums so someone else can get cheaper medical care. Worth it? It was for the person who's care you subsidized. For you? Your call.
Individuals are in charge, for the most part, in whether or not they are healthy. If an individual does not take the time and/or doesn't make the effort to be healthy, why is it necessary for people who do take the time and/or make the effort to be healthy to spend more money for that other person?
Medical treatments are services. We do trade them, usually for money.
I highlighted some parts because I didn't want to discuss point by point without my text in the middle, with it it would become too long. I hope this will make less complicated read the post.
Just to make it clear I know what an insurance is and how it works.
Ok this is the way it works in your kind of system and you politically agree with its basic idea but as I told you other countries have different systems, and I was not telling if one or the other was better, it's a chioce, but must be conscious.
I don't agree when you say citizens as the governament do not provide anything so it's a matter between privates.
comment to the blue part: you join a collective policy to pay less than how you would pay individually as there is less chance that at the same time all the individuals in the group will face big medical expences, and to eventually negotiate a better price, if you would pay less individually than you are a moron to be in that pool.
comment to the red part: NO insurance is a way to amortise expenses but not lessen costs! Can be for medical care or car incidents or travel unexpected costs, in a matter of fact insurance will always increase the costs as there is an interest to pay for the capital that ensure this expenses that makes the company profit.
comment to the green part: this is your political idea as I told you there are countries that have different systems where healt is considered a basic need so citizens as a group through their rapresentatives (aka governament) negotiate a price for the facilities and for hiring professionals and they don't act as individuals, if privates want to invest in health care they will differentiate their product giving a better service, like faster for example.
Individuals can't be considered the costumers for many kind of treatments in your system, in a free market price follows demand and supply law so it's the one that gives the best profit, for the expensive treatments if individuals were the costumer no facility would provide this kind of procedures as just to cover the costs this will reduce demand around zero, so the customer are insurance companies and price is connected to how much they can pay, that's connected to how high can be the price of a policy to maximize profit. So if a hospital's CEO has a high income it's his buisness as he is a private.
< Message edited by eulero83 -- 10/7/2013 1:41:23 PM >
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RE: A question for Canadians, Brits and any other citiz... - 
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