Quote:
Originally posted by taxwonk
My plan covers emergency situations. I didn't get a big bill from the hospital. See, Spanky, the doctors are not employed by the hospital, they'r private contractors and can charge what they want and decide on their own whether or not to opt into insurance networks. ER docs generally don't opt in to the insurance networks, because the demand for their serveces is completely inelastic. They don't have to settle for a negotitated fee with an insurer because when you need to go to the ER, you go. You aren't in a position to bargain for a fair price.
I like analogizing it to the guy who has the only gas station in the desert. He charges what he likes, because where the fuck else are you going to buy gas?
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For the plan to work, insurance companys will have to provide for emergency care. Then it will be in the insurance companys pecuniary interest to make sure that there are doctors at every ER covered by the plan. ER docs will only have two options. Be on the plans or dont' get paid. Every plan will cover all emergency situations, and non emergency situations you have to use the plans doctors. If you want your own doctors you pay may more. But there wills simply be no such thing as emergecy care paid for by individuals. So emergency physicians won't have that option. Actually the exception is if you make over a $100,000 a year and you don't have adequate insurance you are taken out back and shot. So I case under my plan you would have been taken out back and shot.
