Monday Moaning: Unwanted Rivals.
Rivalry amongst competitors is a good thing even we can then be happy when companies do that. As prizes may stay sharp and low. And still there are rivals we rather not see. One might be oil companies as they pretend to be rivals and might be adjusting prizes accordingly after agreeing on a price. This kind of practises was once, also done by the Mafia to ensure profit and the make believe of competition.
It maybe the simplest to use the oil company but we can or may conclude it is easy for them to slow down oil production as to raise prices when we grow short on oil. Closing the tap in your own home also makes sure water flows less. Again it may be the easiest to assume or point a finger not claiming it is actually happening as I do not have proof of that. But the thought makes it very easy and possible.
Now before I reveal another unwanted rivalry which may be a little unexpected and more or less a cause after an effect.
I am talking about the rivalry in insurance companies. The price fighters of the today. Now we all heard Obama wanting a social regulated health insurance and I for one am living in a country who already had such system. It works as a monthly price is aid for future need in health care. Now at a 100 dollars one might be happy. Prices however are rising. So we see price fighters of the 3 major insurance companies.
Wait just three. Yes and underneath those a hundreds smaller companies buying insurance and selling it cheap with additional rules. And to my opinion that is where we are losing sight of things. To have a rule that states that the money you have to pay per year is going up from a 350 to 800 is agreeable. This is money one would have to pay on top of the monthly insurance. The higher your own risk you are willing to pay the lower your monthly bill.
It is a simple calculation that a healthy person might want something like that. With saving a 30 a month makes at least a 360 a year in your own pocket. Now this is basic health care and I mean basic. A dentist is separate form that. No problem at only a 15 dollar a month. So far there is nothing to worry. And maybe in one way the rich do pay as much as the poor might be a concern.
This to was different in the old days when the rich had a different kind of insurance all together and paid a pretty penny more. Almost triple of what they pay now. But health are was good and pretty equal to all. Lets face it more money can buy you better doctors. So there was a slight difference. But form my perspective of working class it was the best.
Back to the price fighters and this is where it gets interesting and dangerous for future plans. To lower our insurance premium these companies go to hospitals and buy care in advance. To the point that the cheapest premium can only go to hospitals where that kind of care has been bought cheap.
Kind of like your pre-paid phone.
In this instance the same care on a broken foot can differ per insurance premium and thus hospital. Who knew that the same procedure can cost differently at different hospitals. This is a cause for worry. As some hospital might get less broken bones to take care of. Less care is less money and before you know it, budget cuts.
Now this is a view based on competitive rivals and the known way of doing business. Thought one must understand that taking care of a patient should not conflict with business. But what if a hospital is cutting own prices and cutting down budget by laying of some nurses. Will health care be as good as one promises. Is this the kind of rivalry we want to see. Where our lives are being held against a price tag.
How is it possible that cutting some balls (yes I know) is 800 in one high end hospital (one of country’s finest) and only half in another big hospital. Why should or even can an insurance company tell you to go to the west coast when living in the east coast if you pay the lowest premium.
Do we want to go to a system where the insurance company tells you where to get your healthcare. While you want the best at all time. Is that not something we all want. That wherever we go the care is the same. No budget cuts. And why does that have to effect our wallets so much. How can a hospital compete among each other to make money. Since when does a life become some kind of stock option that can be sold and bought.
This kind of rivalry is most unwanted as it undermines the one thing we as a western country stand for. In what way is this even appropriate. And one might think I am being over reacting, well I understand. But let me tell you that they already own the pharmacies here and that they will change pills if they are cheaper somewhere else. Soon as you have complaints they reluctantly will give you back the old ones. They do not want to spend to much money on us. An insurance company is out to make a profit at all time after all.
And if you think you can change over from one company to another for better terms and cheaper, think again. Once you are a health risk, yes that is what they call a smoker, fat person, old person or an already sick person, they can and will decline you or have you pay extra premiums.
So in effect of those who want to make a profit, being the insurance companies it is the hospitals who start to become rivals to offer the cheapest care so they can keep taking care of us people. When lowering prices it means lowering costs and surely that can easily be reason to concern. Even more so if one knows one can sell a net where oranges were sold in can be sold to help with uterine prolapse. After all it would be cheap right.
We need to keep an eye out on companies who do get to much power however unlikely it may seem. There will be some kind of effect. And we surely do not want them playing with our lives. Do we? I hope doctors will, maybe prevent this or at least keep it to a minimum. And come up with solutions to make it worth all of us wild.
I leave you with this. Have questions? Do not be afraid to ask them through a comment or by message through the “Fly with me” page.