Fact Checked

Itemized Deals Or Package Deals?

In the beginning, patients paid doctors and hospitals on a per-visit basis.  You might have had to pay extra for when they wheeled in the x-ray machine or sent you into surgery, but straightforward care came with a straightforward price tag.

 

However, as health insurance companies grew to become a standard part of the health care industry – mostly thanks to contracting with companies that wanted to pay for their employee’s heath care – the insurers started to demand that the hospitals and clinics list out every inspection and test they performed and every bit of equipment they used.  They did this in order to save as much money as possible by only paying for services rendered, and they passed on this savings with lower premiums and smaller bills for their policyholders.

 

Unfortunately, what started out as a good idea has wound up spiraling out of control.  Not only does it take an incredible amount of time and effort to put together the kind of itemized lists that health insurers want, it also gives less scrupulous hospitals and clinics the opportunity to hide their real costs behind a wall of numbers that would make even an experienced accountant’s eyes glaze over.  Because of this, the price of the exact same procedure performed in two neighboring hospitals can sometimes vary by four or five times the amount.

 

Because of these problems, health care experts have long been calling for a simplified system which bases the cost of hospital and clinic visits on nothing more complex than the kind of care the patient receives.  Someone with diabetes who needs urgent care would get one flat rate per day, for instance, while a child who needs a few stitches would pay something else.  These care-based payments would still cover all the kinds of tests and procedures performed during the visit, but the simplified system would cut down on a lot of bureaucracy and make it easier to compare costs between hospitals.

 

Of course, thanks to the separation between physicians and pharmacies, it’s very likely that even a simplified system will keep medication costs separate.  Fortunately, that means that no matter how else the health care system changes, you can count on the savings of a USA Rx discount pharmacy card.  After a simple and painless signup on our website, you can save up to 75% off of medications both brand name and generic at any of over 60,000 pharmacies across the nation.  You can find out more if you email us at [email protected] or give us a call at 888-277-3911.