It’s pretty much “inherent” in having Health Care via multiple payers, each of whom creates (or buys) a different authorization/payment system. Edgepark provides a valuable service to both ends:
The small manufactures/suppliers, like Dexcom, don’t have to spend HUGE amounts of time learning yet ANOTHER data entry process (in order to support their ordering process); and
Big InsCos don’t waste hours and hours training those little firms, and then hours and hours processing orders with mistakes in them.
This is also the main reason why nearly every prescription, except those within the VA and Indian Health Service, are still written on little scraps of paper, prone to handwriting/reading errors. Nearly every pharmacy turns around and stores an image of the paper scrip anyway, but it’s error-prone and stupid. Why? it’s not the pharmacies, it’s the myriad of different insurance payment systems.
Our Insurance System has two main problems. The first one is the ever-decreasing payout (AKA “loss ratio”) of dollars collected in premiums to actual PROVIDERS to medical goods and services. IIRC, back around 1986, health insurance averaged a loss ratio of about 95%. Now, it’s down around 85% – that’s 3 times as much overhead, profit, advertising, obscene CEO pay, and campaign contributions.
The second problem, one which we PWDs know all too well, is cherry-picking. Can I buy a health insurance policy from anyone, at ANY price, except the special “high risk, denied by everybody after COBRA expiration” pool in my State? Of course not. (Several years ago, me and my DW left our previous jobs and became independent.) And they’re squeezing the MD’s too: more and more, the InsCos are rewarding MD’s who treat only low-cost, “successful” pts. When your Doctor has to “fire” you for being SICK, or face financial PUNISHMENT for treating you, the system needs stronger regulations.
It’s not the MD’s, or the “tort reform”, or the so-called “unnecessary medical tests” of “defensive medicine”. It’s mostly insurance greed. Recently, after a too-aggressive Mountain Bike maneuver, my MD sent me in for an MRI on my head and neck. (I was wearing a helmet, but he wanted to be sure-- especially about my Cervical Vertebrae, as I’m well over 50 years of age.) Because my pictures came back clear and I didn’t need surgery, I’m sure that many insurance lobbyists and apologists will point at the high costs of my MRI and scream, “didn’t find nuthin’, costly unnecessary test, defensive medicine, EVIL!” But that’s what a diagnostic test is all about-- when you’re not sure what you’re going to find.
OK, so they’d rather take the small risk (to ME, not to their CEO) that I end up as Natasha Richardson did-- in order to increase profits. And if I ended up dead, and my DW proceeded to sue their butts? Well, that’s where the so-called “need” for liability reform comes in!
It’s all about the profits and obscene payouts to executives. There’s another key problem, the federal gvt. being unable to negotiate on price for prescription drugs and DME, but the honest and decent solutions to the health care “crisis” are simple and straightforward. It would have consisted of two bills, less than 100 pages each. It becomes difficult only when facing the incredible political power of these institutions. Democrats are TERRIFIED of big Pharma and big Insurance becoming exclusive supporters of Republicans, with vast amounts of campaign money and spin generation. (Such as Republicans and Faux News, and ABC news, and many others quoting the so-called “independent, non-profit” Health care statistics outfit “Lewin Group”: Lewin Group is 100% owned by “Ingenix”, and Ingenix is 100% owned by United Health Care.)
Dems, of course, wanted to compromise, but but the only man in the Senate who really could have created a workable compromise has been MIA for several months, and is now RIP. Harry Reid and O’Bama staff appear to have a strategy of “add more loopholes, and MAYBE someone will vote for it.” The congressional bill, of course, is HillaryCare Version-2. (vastly complex, attempting insurance reform together WITH a sort-of, but-not-really, just-kind-of-a-backup, single payer.) This adds several reams of paper to the printed size, and the vultures have afield day picking at it.