I went to the doctor for the first time in like 10 years to get a check-up(people in my family almost never get sick)
$ 750 dollars. Insurance paid like 400 of it so we only had to pay 350. Then I had to go back to a doctor for some blood tests to see if I had any thyroid problems. Since it was my first time in a long time and we had been paying insurance this whole time, and it's not really even a major problem, I thought it was going to be lower, but obviously it wasn't cheap.
I am also a freshman in college and paying like 10 grand a year.
Why can't they fix malpractice insurance? I know that a lot of the $ 750 (initial fee before insurance) I had to pay was for probably malpractice insurance. Why don't they fix malpractice insurance so we don't have to pay so much? It was just a check up...and also the blood test I took came back for a few thousand dollars and that's with insurance!
Luckily my name is the one paying (not me) and he has a pretty good job, but he hates wasting money. Honestly, I wouldn't care about a few extra dollars on my tax for healthcare for everyone...I figured it out fast and if everyone paid $ 1 extra that would be $ 304 million, a little over 3 dollars is 1 billion already...but of course not all can pay 3 but some can afford more than 3 so why can't we just balance the prices out and have that be done?
jlf
Just how do you "know" that a lot of the total fee is due to malpractice insurance? That is definitely a major cost for doctors, but hardly the only cost.
Matt D
The problem is not malpractice insurance. The problem is the tort system in most states. If your state's government decided to limit punitive damages on doctors then it would significantly reduce the premiums.
mbrcatz
Why in the world would our politicians - 90% of whom are lawyers - want to fix malpractice? THE LAWYERS are the ones making tons of money off the system the way it is now!
lucy
I remember years ago when I went to my GYN when I was pregnant and he told me the major cost for his services was to pay for malpractice. Some professions are more likely to be sued than others, thus the cost of malpractice cost the patients more.
Granted tort reform should be enacted, but it does not always work that way to reduce insurance costs. I just read an article the other day that stated that Texas had put a cap on awards and several years later the cost of health insurance did NOT drop, but continued to rise during that time.
Unfortunately we live in a litigation society. Everyone wants to sue someone and get rich. You see movies/tv where someone wins millions of dollars, or see all the advertising on tv/billboards/internet/phone book where they promise to make you rich.
Tort reform is a start, but we also need to figure out how to reduce insurance costs or it will continue to rise like it has. Only in health costs do we have no clue what something costs till we receive a bill and find out what we owe. When you go to a restaurant, you get a menu with the costs, but in health care, what might cost 1/2 in one state or hospital could be much higher somewhere else.
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No Fault Compensation in the Health Care Sector (Tort and Insurance Law)
Orignal From: why don't they fix malpractice insurance prices?
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