The Health Prevention Industry
I've been reminded that the so-called "health care" industry in the United States is run by people who really don't care about anyone's health. They're not allowed to. It's a mis-managed bureaucy that's gone so far down the rabbit hole that its rules don't even make sense from a money-focused perspective.
Case in point: I go to my primary care physician (or PCP, coincidentally the abbreviation for a pneumonia responsible for killing countless AIDS patients, and for a lethal recreational drug) and tell him about some knee pain I've been having. So he refers me to the specialist who did surgery on it a couple years ago. Everything's good so far, and my insurance covers everything except some affordable office-visit co-pays. Then the specialist refers me to get physical therapy, and they start helping me get my knee in shape so it won't hurt. Then things go haywire. Two weeks into PT, I get a call from the PCP telling me that the specialists referral to the physical therapist is no good. That means I have to pay for it myself. Instead, the PCP wants me to go to a different physical therapist.
Understand: the issue isn't that my insurance isn't accepted by the PT place; they do billing with (let's call them) Indigo Cross all the time. And it's not that my insurance policy doesn't cover PT; it does, without even a co-pay. It isn't that this is some (in the opinion of the insurance company) quack pseudo-medical facility; like I said, Indigo Cross deals with them routinely. It isn't even about money; if the place I was going charged more than the insurance company was willing to pay, they could demand that I make up the difference, but that's not what happened.
The issue is that my PCP is part of a "network" that serves to channel patients to each other rather than to non-members. And they'll screw over a patient (making me cough up money I can't afford to part with, and then start over with a different therapist) to enforce that.
This is insane. Or at the least, it's unethical. But it's how the American medical-services industry works. I might point out that nothing like this would happen with a single-payer health insurance system. If the physical therapist is certified, and the treatment is properly judged by medical experts to be necessary, it'd be covered.
The people who defend this system (mostly Republicans, but the blame is shared by the other party in power as well) claim it's a free-market system, and that's the only acceptable solution. But it's not... free-market or acceptable. It's more like a RICO ("Racketeer Influenced and Corrupt Organization") case or perhaps less stridently, a good old-fashioned trade-restraining "trust". I admit I'm not the biggest fan of the economic darwinism of the market system. But it's fairly benign as long as it's a true market, in which providers work to supply consumers' demand for something. But this isn't that kind of market. The customers aren't the patients; the customers are the insurance companies. The insurance companies have customers too, of course, but those still aren't the patients... for the most part, they're employers. And it's only in the most reality-distorting sense of the word that employees are "customers" of their employers. (Even when someone - like me - resorts to buying insurance for themselves, they pretty much have to settle for the worst policies the industry knows how to write, which are themselves just cut-back versions of the ones that employer's sign up for, because they can't afford anything better. The notion that I can "shot around" for a better insurance policy is laughable.)
The system might work fine as long as the best interests of the patient and of the customer coincide. But when they disagree, "the customer is always right", so the patient loses.






