Previously, Bored Panda spoke with Dr. Andrew Carroll from Arizona, who has experience dealing with healthcare insurance companies and fighting for what's best for his patients. Some time ago, we covered a story about how he broke down in tears when a company refused to provide one of his patients a CT chest scan that you can read right here.
Dr. Carroll explained that there are clear financial incentives for the companies that provide healthcare insurance to keep the system, with its high administrative costs, as it is. "It will be very difficult to reduce the administrative costs without overhauling the payment system altogether," he explained. This is why even small step-by-step changes are really hard to push through.
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Moreover, Dr. Carroll candidly said that healthcare insurance providers don’t have it in their interest to do what's best for American patients. "Unfortunately, these payers tend not to have altruistic intentions towards their members. They cater to the advantage of the employers paying for the benefits, who want to try and spend the least amount of money they can."
He believes that employers that pay for benefits will need to demand more of the companies providing the benefits or patients will need to file class-action lawsuits to demand that benefits due to them are not unduly restricted, as they are today.
Another side of the problem of American healthcare is that the country spends enormous amounts of money on healthcare, but a whopping quarter of the costs are purely administrative. As a result, customers are charged a lot, but not every dollar they pay is targeted at helping them. It’s no secret that there’s a lot of waste in the system although nobody really talks about it that much.
