in·sur·ance (why?)

You have to admit, whenever you visit a healthcare facility the word “insurance” is always in the back of your mind.  I mean really, it’s on the mind of the staff, the patient and usually the doctor.  It is the definition of “the elephant in the room” until someone breaks the silence.  But why?  Why do we continue to be dictated by such?  Why does a doctor’s decision to do the right thing for a patient have to be determined by whether “insurance covers it?”  Why does a patient have to decide whether to proceed with what has been determined by the doctor to be the best treatment (either procedural or medicinal) because of “insurance coverage?”  Is it fair for a patient to be cynical and have to think, “my doctor is choosing this route of treatment because a.) he/she will profit more because the insurance reimbursement is more than the other route? or b.) “does my insurance even cover that?”  There was a simplier time you know.

It begs the question, why is health insurance like this?  Automobile insurance does not cover maintenance, oil changes, tires purchases, etc.  They cover accidents, they help fix stuff, yes they have deductibles as well.  Home insurance is the same, it does not cover maintenance like landscaping, heaven-forbid water, electricity and gas bills.  It covers catatrophe, theft, but what else?  Oh, yes, they have deductibles also.  Why is health insurance perceived to cover everything needed for maintenance?

 
This thought took me to the good ‘ol Webster’s Dictionary of “insurance” which states:

Definition of insurance

1  a the business of insuring persons or property
    b coverage by contract whereby one party undertakes to indemnify or guarantee
         another against loss by a specified contingency or peril
    c the sum for which something is insured

2a means of guaranteeing protection or safety 

  • The contract is your insurance against price changes.
  • Frequent hand washing is good insurance against the common cold.

Well, call us crazy but we are going to be doing a few things differently this week….I’ll be back next week with a summary of how things went.

#SiennaEyeDoc

“Insurance.” Merriam-Webster.com, Merriam-Webster, http://www.merriam-webster.com/dictionary/insurance. Accessed 25 June 2018.

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