It occurred to me while reading all this back and forth blame that the problems are fundamental and should have been known in advance, by the legislative committees that wrote and designed the system.
The problem is both the number and complexity of different corporate insurers and their own trickery in claiming to cover healthcare when in fact they are designed to not cover healthcare, because denying claims on technicalities is the basis of their profits. In order to keep more money coming in than going out, the claims process has been made as close to impossible to meet requirements as possible. Now multiply that by the number of companies authoritized to due this business across the states and their individually configured requirements and viola, a mess. It was already a mess when CMS was the central public authority for Medicare and Medicaid. Why would the same system work in a central `marketplace' option run over the web and open to the public? The healthcare industry employs thousands of billing personnel to navigate these billing systems and process claims and the turn over rate is very high. How can such a system be navigated by the public and successfully enroll themselves in an appropriate plan that covers their needs? Anybody who has tried to figure out which of the double-talking drug coverage companies manage part D of Medicare to choose, will tell you they need expert counseling to make sure they get the coverage they have to pay for. Why would the same general system work for the general public? ``One reason for the logjam, he suggested, is that the administration made `a late decision requiring consumers to register for an account before they could browse for insurance products.' The problem was the lateness of decision, but the decision itself. You have to successfully navigate a registration and verification process before you get to study the plans. Nice. CG _______________________________________________ pen-l mailing list [email protected] https://lists.csuchico.edu/mailman/listinfo/pen-l
