Policy StatementAlthough there are any number of state policies that could be improved through streamlining and removing layers of bureaucracy, one that is perhaps in need of reform the most is healthcare. More than just the oftentimes insurmountable levels of red tape, the healthcare system in California and elsewhere rests on a paradigm that is abjectly unfair. It pits the two most experienced players in the game, the insurance industry and the caregivers, against the least experienced, the patient. More over, the contests take place when this inexperienced player is most vulnerable - when the patient is sick or injured.
To further compound the absurdity of this lop-sided contest, it is not the medical industry or the insurance provider who must bear the ultimate responsibility for the bill. The patient is legally and ultimately responsible for the cost of his or her care. While the insurance company denies claim after claim and the caregiver demands payment, the easy target, and the one the law requires to pay, is blindsided, often in no shape to offer any defense. In effect, the patient is steam-rolled into compliance by his or her own insurance company and by a caregiver who has nothing to lose by going after the defenseless, taking the path of least resistance, as it were. And neither the insurance company nor the doctor is going to go broke or have their credit ruined - that privilege belongs to the patient alone.
Any healthcare reform must address the dynamics of this paradigm. Somehow the patient, especially the one facing a medical catastrophe must be protected from losing everything because of an unwilling insurance company and an impatient provider. The patient should only have to worry about one thing - getting better.