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Health insurance companies areraising their rates again. A study released yesterday by the Kaiser Family Foundation showed that annual premiums for a family rose 9% in the last year. The average cost of family coverage provided through an employer is now $15,073. The cost of health insurance has doubled since 2001.
The continued rise in the cost of health insurance is perfect example of the fallacy of ?tort reform?. For years insurance companies and health care providers have sought to limit medical malpractice claims. One of the major justifications, if not the only justification, is that medical malpractice suits cost so much money to defend, resulting in rising health care costs for all persons seeking treatment.
But this report supports shows that medical malpractice suits have little to nothing to do with health care costs. The public?s insurance rates are going to rise no matter what. The illusory correlation between lawsuits and health care costs is used as a smokescreen by insurance companies and health care providers to protect themselves from their own negligence and make more money. It is a lie perpetrated on the public, backed with millions of dollars of big business money. This money is used to fund a propaganda machine meant to brainwash the public into believing that lawsuits are bad. However, the common person will never benefit from the limits on medical malpractice suits. His insurance rates will continue to rise, and when he suffers a preventable injury at the hands of a negligent doctor or hospital, he will have no recourse. It is time to stop the double windfall for insurance companies ? if they continue to raise rates, they should also face injured patients on a level playing field.
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