President Obama asked anyone with a better health care reform proposal to bring it to his attention. As a physician who has practiced for the past 37 years, I have been in the system long enough appreciate a better way to approach this problem than is being debated.
Heath care system incentives are wrong, and are primarily responsible for its spiraling growth. Increased utilization engenders increased expense. The proposed health care reform will not reduce the growth of health care expenditure. It does nothing to change incentives driving its growth. Utilization and costs must increase if all Americans are covered as proposed, unless incentives are altered. Patients initiate the process of health care, and physicians, and suppliers benefit from increased utilization. Utilization will not decrease until patients are made financially responsible for their health care decisions. Substantial Increases in annual deductibles and co-pays will change this incentive. People may overspend and waste time, but nobody wants to use expendable income wastefully on health care. Making people think about the cost is the ONLY way to stop wasteful spending that has led to spiraling growth of health care costs, and the only way to do this is to have more come out of their own pockets!
Patients need to take greater financial responsibility for poor lifestyle decisions. Diseases caused by poor lifestyle decisions (smoking, alcohol and drug abuse and overeating) do not deserve the same level of coverage as unavoidable conditions such as appendicitis and Type I diabetes. Lifestyle related illnesses such as type II diabetes in the obese, alcoholic hepatitis and cirrhosis, and lung cancer and COPD treatment in smokers, rate punitive deductibles or co-pays. Also conditions doctors have never been able to cure like the common cold should be excluded from coverage. Grandma needs to resume the role of diagnosing a viral cold, putting the afflicted to bed, and making the chicken soup that will provide the cure!
Educate people about the probability of effectiveness and cost of heroic end of life treatments. It has been said that the majority of Medicare benefits are paid out in the last few days of life. When faced with a terminally ill family member, families react emotionally and irrationally requesting providers to “Do Everything”. They need to be informed of the cost and probable futility of further measures, of the existence and content of the living will, and if they still request the treatment they need to be financially responsible for the cost! To reduce waste, people who cause waste have to pay for that waste.Continue reading…
