This HND piece examines the radical—and completely sensible—ideas of physician/healthcare reform guru Kent Holtorf, MD.
Holtorf's main premise is that an insurance model, whereby even routine services are covered, is doomed to fail. This failure is based on the rather obvious point that such a model offers no incentive whatsoever for cost control, expect for arbitrary and bureaucratic meddling by the insurance carrier itself, in terms of simply rejecting claims. Related to this is the ridiculous situation in which prices are virtually unknown before the service is rendered.
Is there anything else you buy in which a price inquiry would be answered by the provider asking you what kind of insurance you have? As such, Holtorf says that all prices should be posted, allowing for comparison shopping. Otherwise, we will continue to have a climate of "send a giant bill to the insurance company, and see how much they will pay."
We cover a lot more in the complete article. For anyone who has ever been handed an ice pack in ortho-rehab, only to see it billed out as $40 for "cryotherapy," this article is for you.