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Books > Medicine > General issues > Medical ethics
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Exposed - Why Our Health Insurance Is Incomplete and What Can Be Done about It (Hardcover)
Loot Price: R1,233
Discovery Miles 12 330
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Exposed - Why Our Health Insurance Is Incomplete and What Can Be Done about It (Hardcover)
Expected to ship within 18 - 22 working days
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A sharp expose of the roots of the cost-exposure consensus in
American health care that shows how the next wave of reform can
secure real access and efficiency. The toxic battle over how to
reshape American health care has overshadowed the underlying
bipartisan agreement that health insurance coverage should be
incomplete. Both Democrats and Republicans expect patients to bear
a substantial portion of health care costs through deductibles,
copayments, and coinsurance. In theory this strategy empowers
patients to make cost-benefit tradeoffs, encourages thrift and
efficiency in a system rife with waste, and defends against the
moral hazard that can arise from insurance. But in fact, as
Christopher T. Robertson reveals, this cost-exposure consensus
keeps people from valuable care, causes widespread anxiety, and
drives many patients and their families into bankruptcy and
foreclosure. Marshalling a decade of research, Exposed offers an
alternative framework that takes us back to the core purpose of
insurance: pooling resources to provide individuals access to care
that would otherwise be unaffordable. Robertson shows how the
cost-exposure consensus has changed the meaning and experience of
health care and exchanged one form of moral hazard for another. He
also provides avenues of reform. If cost exposure remains a primary
strategy, physicians, hospitals, and other providers must be held
legally responsible for communicating those costs to patients, and
insurance companies should scale cost exposure to individuals'
ability to pay. New and more promising models are on the horizon,
if only we would let go our misguided embrace of incomplete
insurance.
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