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Employment, it is better to name an advance payment of any medical expenses. In
The majority of cases patients pay very little or absolutely anything from the
Pocket for treatment, visits to doctors or hospitalisation. As a rule, insurance
The company almost entirely pays doctor's or hospital bills.
It is no wonder that the one who almost pays nothing from the pocket for
The medical attention, will aspire to get it more than if it
Paid an overall cost, or at least its essential share. Thus,
This system pushes patients to the over-expenditure, forcing to grow demand and the price.
The insurance system is inclined to eliminate any possibility of negotiations also
Between the doctor and the patient about that how much this or that consultation or procedure
Will cost. Really, many doctors and patients of it simply do not know
Or to all of them it is equal. They rely on the insurance company (or State
Public health services system) that all have solved those and have told it.
It is curious that when medical procedures are unusual and do not become covered
The insurance, for example, plastic surgery; that the patient and the doctor really
Agree and charge price for full procedure and treatment it it before
Them to start.
Influence of taxes on medical insurance
Millions people have no medical insurance. A considerable role here
The federal tax system plays. The medical paid by the employer
Insurance is tax subtraction for the employer and is not assessed
The tax as the income of the worker. The insurance, got by the person independently,
Or to owners of own business, on the contrary is subject to the taxation. Therefore
The majority of workers do not get the insurance in addition to that that
It is paid for a job place. If they change job or them dismiss, they
Lose the insurance. Many other things reasonably refuse acquisition
The medical insurance in a kind of its dearness, especially, if these expenses not
Are subtraction from taxes. They prefer to be
While there are federal surtaxes, it is possible to spend one simple
Intermediate reform, having established medical insurance acquisition as
Subtraction from taxes. It would give to the unemployed or owners
Own business the same tax privileges what receive serving, whose
The insurance is paid by the employer. Besides, any payment of the medical
Expenses from the pocket it should be subtracted from taxes also.
The rule which would allow to list would be one more reform
The insurance of the worker from one employer to another or in the status
The unemployed. Then the worker will not feel connected with one
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