Cross Subsidies As Well As Monopolization, Explained
I establish a beautiful, clear, detailed, fact-based, in addition to devastating explanation of how forced cross-subsidies, monopolized markets, in addition to lack of contest conspire to strangle the American wellness tending system.
No, this was non on to a greater extent than or less goofy libertarian website. It was inwards the official Voter Information Guide, for the ultra-progressive nation of California, authored past times "the legislative analyst." Whether the analyst is a hugger-mugger libertarian struggling to larn the give-and-take out, or merely that this is in addition to thence much the manner of doing things inwards California that nobody notices the scandal of it all, I produce non know.
Starting on p. 62, amongst my emphasis
Also non stated, exactly what happens to yous if yous don't accept wellness insurance but truly are the type who pays your bills? Good luck.
No, this was non on to a greater extent than or less goofy libertarian website. It was inwards the official Voter Information Guide, for the ultra-progressive nation of California, authored past times "the legislative analyst." Whether the analyst is a hugger-mugger libertarian struggling to larn the give-and-take out, or merely that this is in addition to thence much the manner of doing things inwards California that nobody notices the scandal of it all, I produce non know.
Starting on p. 62, amongst my emphasis
911 EMERGENCY MEDICAL TRANSPORTATION
Ambulances Provide Emergency Medical Care in addition to Transportation. When a 911 telephone telephone is made for medical help, an ambulance crew is sent to the location. ... (Ambulances besides render nonemergency rides to hospitals or doctors’ offices when a patient needs handling or testing.)
Private Companies Operate Most Ambulances. ... State constabulary requires ambulances to carry all patients, fifty-fifty patients who accept no wellness insurance in addition to cannot pay. ...
Commercial Insurance Pays More for Ambulance Trips Than Government Insurance Pays. The average cost of an ambulance trip inwards California is almost $750. Medicare in addition to Medi-Cal pay ambulance companies a fixed sum for each trip. Medicare pays almost $450 per trip in addition to Medi-Cal pays almost $100 per trip. As a result, ambulance companies lose coin transporting Medicare in addition to Medi-Cal patients. Ambulance companies besides lose coin when they carry patients amongst no insurance. This is because these patients typically cannot pay for these trips. To brand upward for these losses, ambulance companies nib patients amongst commercial insurance to a greater extent than than the average cost of an ambulance trip. On average, commercial insurers pay $1,800 per trip, to a greater extent than than double the cost of a typical ambulance ride.Not stated, exactly why produce commercial insurers position upward amongst this? The respond is, that yous demand authorities approving to run an insurance fellowship inwards California, in addition to an insurer who said "we're non paying for that" won't endure allowed to produce work concern inwards California.
Also non stated, exactly what happens to yous if yous don't accept wellness insurance but truly are the type who pays your bills? Good luck.
THE EMERGENCY AMBULANCE INDUSTRYIf yous desire to know why at that spot is no contest inwards the 911 ambulance industry, right away yous know. I don't know almost private, non-911 ambulances. Is this all exactly exploiting the convenience of 911? Can yous larn a competitively priced ambulance ride if yous know who to call?
Counties Select Main Ambulance Providers. County agencies dissever the county into several zones. The ambulance fellowship that is chosen to serve each zone has the exclusive correct to respond to all emergency calls inwards that area.
The fellowship generates revenue past times collecting payments from patients’ insurers. In exchange, the ambulance fellowship pays the county for the correct to render ambulance trips inwards that area. The county typically chooses the ambulance fellowship through a competitive bidding process....So cash strapped counties are inwards on the work concern of fleecing insurance companies, in addition to through them, people in addition to businesses who pay premiums.
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