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That all lines up with my current understanding of healthcare. I'd love to see a lot of jobs lost that produce nothing of value, like shuffling papers to the insurance companies to bill them, and those papers getting denied and sent back, and then the papers go the patient, and then the whole cycle repeats.
The beginning of me being "woke" about the healthcare industry was when I herniated a disc in my back and called 5 different clinics asking what a standard office visit would cost. I'd get transferred to different departments, but zero of the dozens of people I spoke to gave a number. They even refused to give an average of what is billed. Not even a ballpark figure.
I went to a free clinic and gave them $200. They were the only ones that had price transparency.
I'm ready to burn the current system because it's about as broken as it can be while still somehow functioning...
If I needed something expensive dealt with, I'd just go to Mexico and pay in cash.
...and maybe out of pocket limits should be based on the cumulative prior 12 months of expenses, not on the calendar. For instance, the out of pocket is $5k, and you paid exactly $5k 11 months ago, so new expenses are billed to insurance. Next month that $5k drops off as it's more than a year old, and you have to pay out of pocket again until the limit is reached in that current 12 month period. This eliminates the scenario of hitting the limit in December and then having to hit it again in January.
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