I recently reached a Medicare age. Before that, I mostly had catastrophic health insurance supported by HSA. As I am pretty healthy, it means that I paid all my medical bills outright, from my HSA. Your advanced software unlikely was even needed.

For a basic visit, let us say just to verify that the bad flue is not developing into pneumonia, my family doctor charged me as little as $85. Now, on Medicare, for the same basic visit the minimum charge is $160. Medicare pays $81.98, my co-pay is $78.02. This is how I see the difference between the free market health care system and a single payer. In this case it is likely that your software (or other one of similar functions) was used in the process.

I believe that your software can improve the efficiency of the current system. But in the current system Medicare sets prices that most often are about triple what the free market offers.

The cost of a hip replacement in the system is around $75,000 when it should be about $29,000, as you can read in the WSJ: www.wsj.com/articles/you-cant-put-a-price-on-a-hip-replacement-and-thats-a-problem-1531521901. One of the best surgeons in Chicago told me a few years ago that outside of the system someone can have hip replaced almost the next day, if can pay outright $15,000. Even if it is a little more today, it is still likely four times less than the single payer system charges.

On the top of that, in the single payer system patients are offered only services available in the system. When I joined Medicare, one of the tests found a minor health issue, which potentially could turn deadly in the near future. For the cases as mine, Medicare approved a surgery, for about $80,000, which would leave me permanently handicapped to the end of my life. As I was not eager to jump for this option, I was offered another treatment, also very intrusive, at the estimated cost of $42,000. Distrusting the system, I did my research, just to find out that the least intrusive and most effective treatment is not available on Medicare, despite that it is a standard in all developed countries. Outside the network, it is offered for about $25,000. I guess, the single payer (I mean Medicare) administrators were convinced, or simply bribed, by people who offer those treatments for $80,000 or for $42,000. The funny part is that distrusting the system, I reached privately to a few best doctors in the country. These doctors, before jumping for costly and intrusive treatments, ran more tests to have a better understanding of my case. The conclusions was that minor changes in my lifestyle can help my body to fight the disease at this stage, and no drastic therapy of any sort is necessary.

These doctors were motivated to find with me the best treatment for me. Doctors in the system are motivated to recommend for me a treatment that is financially the most beneficial for them and their organizations. In plain language, a single payer system demoralizes doctors working there. In result, the waste goes up, causing prices for all of us going up. Fewer of us can afford services provided, and those who do, too often do not get as good service at otherwise they could.

I am eager to review all the materials that you have at your disposal explaining to me how one can construct a single payer system free from the shortcoming I outlined above.

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Many tell us what we should think. I write to encourage my readers to think for themselves. I write to ask you to inquire. Question me. Have fun.

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