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The insurance industry is driving doctors out of the healthcare industry, or at least into truly private practices where insurance isn't a factor, like concierge medicine.
Now the typical PCP has to submit care reports to the insurance company which detail tests run and medications prescribed. If any of that differs from the best practices program concocted by the insurance honchos, they issue the doctor a warning via a poor review. Too many warnings and they may revoke coverage with that doctor. This means that physicians have to do around twice as much paperwork as time spent seeing patients. If they want to keep up with patient load, they'll have to stay late at the office filling out paperwork.
It's enough to drive many into a strict "cash only" or concierge medicine practice where patients pay a retainer fee of $1000 or more to gain access to care.
as well as fru.
Now you're mad at fire rescue units? They do help people, you know. Somehow, in your mind, doctors are omnipresent with magical faith healing powers and don't need medicine. You refuse to see that some patients need emergency responders, medicine, and nurses. You must have a really weird medical and billing practice if you don't use any medicine, and it's obviously hypocritical of you to take opiates and opioids yourself while saying medicine has no role in helping patients.
Where is all the writing on the subject that you are referring to?
Here on the WWW, you can find links. If you click a link to a thread, you can find many comments there, e.g. this one. I saw several articles about insurance.
Ooh, hey, check this insurance sales pitch, from 2012:
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http://www.dailymail.co.uk/news/article-4739512/Couple-commit-suicide-health-care-costs.html
This will happen more and more frequently as our corrupt political system continues to pass laws extracting more and more money from everyone by law via the excuse of "health care".
There is no reason we should all be forced to pay more than three times as much as any other country for care that is arguably worse, except that medical and insurance lobbyists demand it and pay off our lawmakers to trap us like chickens in a factory farm.
Government and business both attempt by their nature to trap and control the public. That's fine as long as they don't actually succeed. Competition is good, monopolies are not. When the political and business elites manage to combine forces to perfect their enslavement of the public and eliminate all other options, there will be a revolution.
To avoid this, a good first step would be the requirement that all medical prices be published in advance of treatment to allow at least a little bit of downward market pressure on prices.