June 12th, 2010 by EvanFalchukJD in Better Health Network, Health Tips, Opinion, True Stories
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There’s an endless list of bad things about being sick. But what happens to the relationships you have with people around you when you become ill?
Let me tell you about a man I know. I will call him Bill, even though that’s not his real name.
Bill is a vital man in his 60s with two grown daughters. A few years ago, he was diagnosed with a serious illness. His illness isn’t going to kill him right away, but it has profoundly affected his ability to work and enjoy all the things he used to enjoy. Worse, he has had a difficult time with his doctors figuring out what exactly is wrong and the best way to proceed.
But all of this isn’t really the hardest part for Bill. The hard part for Bill is how his friends and family have reacted. Read more »
*This blog post was originally published at See First Blog*
May 25th, 2010 by EvanFalchukJD in Better Health Network, Health Policy, Opinion
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Like Ezra Klein, smart people keep saying foolish things about the health insurance business. This time it’s a pair of bloggers talking about the largest expense that health insurers face — their “medical loss ratio.”
According to Richard Dale at the Venture Cyclist:
[W]hy do they call it Medical Loss Ratio? Why is looking after me (or you) called “Medical Loss,” when the whole point of a healthcare system is to look after me (or you)?
(Sigh.)
Alan Katz, one of the leading health insurance bloggers, surprisingly links to this with approval, saying “words matter.” The problem? The word “loss” is probably one of the four oldest words in the insurance industry. I’d say the others are probably “premium,” “commission,” and “profit.” Should we start outlawing these words, too? Read more »
*This blog post was originally published at See First Blog*
May 23rd, 2010 by EvanFalchukJD in Better Health Network, Health Policy, News, Opinion
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Fortune magazine has made some news recently about the impact of healthcare reform on large employers:
Internal documents recently reviewed by Fortune, originally requested by Congress, show what the bill’s critics predicted, and what its champions dreaded: many large companies are examining a course that was heretofore unthinkable, dumping the healthcare coverage they provide to their workers in exchange for paying penalty fees to the government.
The only trouble? There’s no way these employers are seriously thinking about doing this.
I can understand why the employers would do the math. According to healthcare reform law, penalties for failing to provide health coverage are a small fraction of the cost of that coverage. But as with most everything else in healthcare, there’s much more to it than just a simple math equation. Here’s what I mean. Read more »
*This blog post was originally published at See First Blog*
May 10th, 2010 by EvanFalchukJD in Better Health Network, Health Policy, Health Tips, Opinion, Research, True Stories
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I [recently] gave a speech at the Midwest Business Group on Health’s (MBGH) 30th Annual Conference. The MBGH is one of the country’s leading organizations on healthcare, and its members include the leading innovators and thought leaders on healthcare in America. It was a privilege to present to them.
I spoke about why healthcare just isn’t a consumer business in spite of all of the effort to turn people into healthcare “consumers.”
At Best Doctors, we have a closeup view of what happens to people when they try to find their way through the healthcare system. It’s not a pleasant picture. Healthcare consumers –- if you can call them that –- are often lost, confused, frustrated, alone. Read more »
*This blog post was originally published at See First Blog*
April 26th, 2010 by EvanFalchukJD in Better Health Network, Health Policy, Opinion
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Giving people “incentives” to spend their money wisely is a growing part of the solution to rising healthcare costs. Give people financial responsibility for their healthcare decisions, the thinking goes, and they’ll make cost-effective choices.
It’s usually done by having people pay part of the cost of their employer-provided health coverage, and through things like higher deductibles and co-pays. Today, on average, people in the private sector pay 20 percent or more of the cost of their coverage. The trend is for this number to go up. But it’s not true everywhere. Read more »
*This blog post was originally published at See First Blog*
