Sun Sentinel Broward Edition

In­sur­ance com­pa­nies big win­ners in health fight

- Fred Fre­und, Boca Ra­ton

The big­gest ben­e­fi­cia­ries of Oba­macare are the in­sur­ance com­pa­nies by adding over 10 mil­lion new in­sured cit­i­zens with gov­ern­ment-sub­si­dized pre­mi­ums and cre­at­ing a myr­iad of new, con­fus­ing poli­cies.

Health care is the big­gest, and prob­a­bly the most prof­itable, busi­ness in the U.S. with the most ar­chaic and chaotic busi­ness prac­tices. It has al­ways been the in­sur­ance bu­reau­crats who con­trol your health care.

Ev­ery health care provider has to deal with too many in­sur­ance com­pa­nies, each with its own rules and reg­u­la­tions. Billing and re­im­burse­ments are night­mares with costly over­heads to the providers. The providers com­pen­sate by “gam­ing the sys­tem” to max­i­mize in­sur­ance pay­ments.

We need a low-cost health care sys­tem for ev­ery cit­i­zen, not a very costly and greedy health care busi­ness. “If you are sick, go to the doc­tor and get well” is what we need in this coun­try.

Health care in­sur­ance re­form alone will not ac­com­plish what we need. The health care busi­ness is about 20 per­cent of the econ­omy. Our goal should be only 8-10 per­cent of the econ­omy by marginal­iz­ing the role of the in­sur­ance com­pa­nies.

It should al­ways be “No one be­tween you and your doc­tor.”

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