Health Insurance Companies’ Bureaucracy

We can eliminate health insurance bureaucracy by getting single-payer

Examples of items that are part of the complexities of U.S. health insurance company bureaucracy.

• Premiums
• Co-pays
• Deductibles
• Percentage not covered by insurance
• Health care bills after the lifetime limit is exceeded
• Added costs for those burdened by medical expenses:
  • Credit card interest
  • Interest on loans to pay medical debts
• Results from dealing with health insurance companies
  • Large billing departments of hospitals and other medical facilities
  • Large billing staffs at physicians’ offices
  • Businesses of all sizes needing to decide what health insurance company and plan to use for the next year
• Over 1300 health insurance companies, of which each of them are working to not only maintain and/or expand their operations, but also maintain and increase their profits; these companies are the reasons for most or all of the previous examples listed above

Rationing: Examples of additional complexities associated with health insurance companies that amount to a type of rationing of care

• In-network and out-of-network medical professionals (such as physicians) and facilities
• Denial of health insurance coverage for a very long list of reasons and situations