Your Question: Maybe you'd share any thoughts you might have on how we could improve the health care system
in America...??
Real Question: Maybe you'd share any thoughts you might have on how we could improve the health in America...??
Granted - there are multiple issues within the system such as poor communication between medical providers and other medical providers, Medical providers and Insurers, Medical providers and insureds, insureds and insurers...could go on forever. Efforts to fix that have always been thwarted by the fear of confidentiality. Imagine how much better the care would be if the Doctors, specialist and pharmacies were all on the same page - but no one wants a national healthcare card.
Drug advertising - Everyone now thinks they need every drug they see on television (never mind the side effects of projectile vomiting or rapid hair growth). I feel awkward at parties so I have "social anxiety disorder" give me a pill, a huge portion of the medications end up unused and in medicine cabinets - that eventually end up in our kids hands and on the street - but that is another issue.
Sometimes the obvious answer stares us in the face and we miss it. Insurance carriers pretty much gave up pre-authorization tactics, step therapy etc., a few years back and said "we are a claims processing center". Claims come in they pay what the state and federal government says has to be covered, what the consumers demand (viagra, mental health parity, no pre-ex) and establish the rates based on all those claims plus the cost of administration (ever seen the government do that cheaply) and a profit that Wall Street and Investors (the same people that want everything covered) expect.
Insurance companies are not making more money, doctors are not making more money - why do the rates keep going up?
Simple: we are in a HEALTH crisis not a Healthcare Crisis. It is UTILIZATION - more and more people using the system as a commodity.
WANT to fix the system
- Get every American to drop the 20-40 extra pounds we are all carrying around.
- Quit thinking a pill will fix the problem (change your eating habits, spending habits, exercise habits)
- Quit smoking and drinking so heavily
- Get the Pharmacy Ads off television - let the professionals (doctors) diagnose and prescribe.
We need a political leader to stand up and say the Prescription for United States is Personal Responsibility. I physically and mentally healthier United States is a more productive more world competitive country.
Dave Grahl CLU, ChFC, RHU
District Sales Manager
North Star Marketing/Assurant Health
800-777-6762 Ext. 5904
414-299-8797 (fax)
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