House Speaker Paul Ryan, pictured on Capitol Hill on May 18, may not support universal health care, but increasingly, Americans do. Many forms of commercial health insurance control their costs by restricting the benefits that are paid by through deductibles , co-payments , coinsurance , policy exclusions, and total coverage limits and will severely restrict or refuse coverage of pre-existing conditions.
In some countries, such as the United Kingdom or Canada, health care coverage is provided by the state and is seen as every citizen’s right – it is classed along with public education, the police, firefighters, street lighting, and public road networks, as a part of a public service for the nation.
The analysis undermines not only the claims made by GOP leaders, but also shows that their bill could, by undoing what is perhaps the Affordable Care Act’s single most popular provision, throw consumers back into insurance markets where their ability to purchase affordable insurance would depend on their health.
Outpatient specialty care covers the primary care needs of patients through general medical practitioner interactions, medical specialties, minor surgical and medical procedures, diagnostic procedures, emergency visits, rehabilitation visits, and in some cases, telehealth consultations.
While on telephone hold one day for the umpteenth prior authorization request for a medication my patient had been taking for years, I remember consoling myself that at least these maddening financial constraints provided protection against low-value care.