dglh touches on an essential part of health care here that is very difficult for anyone not familiar with the system to understand.
We consumers spend a great deal of time arguing with insurance companies over coverage, both whether a particular procedure is covered at all and how much of its cost is covered if it is. Doctors also spend an inordinate amount of time arguing with insurance companies, most often through specialized staff that they have had to hire to do nothing but that.
For the large majority of the under 65 population that is not covered by Medicaid (national coverage for the impoverished), virtually no health care procedure can be undertaken without interacting with an insurance company unless one is completely indifferent to and fully able to bear its cost.
We consumers spend a great deal of time arguing with insurance companies over coverage, both whether a particular procedure is covered at all and how much of its cost is covered if it is. Doctors also spend an inordinate amount of time arguing with insurance companies, most often through specialized staff that they have had to hire to do nothing but that.
For the large majority of the under 65 population that is not covered by Medicaid (national coverage for the impoverished), virtually no health care procedure can be undertaken without interacting with an insurance company unless one is completely indifferent to and fully able to bear its cost.
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