While I do not have any official statistics on denials in front of me, in the movie, one of the insurance company employees interviewed said that she was told to aim for a 10% denial rate. At the end of the year, whoever had denied the most claims got a cash bonus.
So what you're saying is that if you're in the U.S., you're 90% assured to get your claims covered, and in the end you will probably get service faster (and possibly better) than what we get in Canada.
Of course, of the 10% of the claims that get denied, I'd be curious to see just what the denials were for. After all, I think its reasonable to assume that some claims are denied for valid reasons (e.g. preexisting conditions). Focusing on some of the 'bad' claim rejections may give a false impression that ALL rejected claims were rejected for invalid reasons.
Yes and no. I work for a government bureaucracy, and it is very hard for us to change because we are really just there to perform the duties assigned to us by the legislature. Our managers simply do not have the authority to enact sweeping changes to our mandate. If the legislature decides to change us however, things happen fairly quickly.
Remember, not all 'change' is good.
So, now we have 3 possibilities:
- The government bureaucracy wants to change in response to the needs of the population, but can't
- The bureaucracy is changed by the legislature, but changes are 'bad' making the system worse
- The bureaucracy is changed, and the change is good.
Of the 3 possibilities, 2 of them are bad.
Actually it dictates that they will spend money going after the most profitable diseases. A fortune was spent on advertising for Viagra, how many people would have died without it?
Yes, viagra isn't a 'necessity'. However, it DOES lead to an improvement in quality of life. Is that not also something worth considering? Or are 'life saving' medications the only ones worth considering? (Note: from what I understand, viagra was discovered almost by accident, during research into heart medications, which is something worth doing work on, is it not?)
-If a company does not want to accept the prize and feels they could make more money with the patent system, fine.
Ok then, you're not necessarily suggesting
replacing the drug patent system, just providing another mechanism for funding research (basically, an ad-on). That's different than a system where the ONLY way to fund research is through a drug prize.
Still have problems with the system... if a drug costs less to develop than what the prize is worth (and ultimately what the company would charge consumers) then you'd basically be increasing drug profits for no reason at all (and passing the cost on to the taxpayer).
I do think the government has a place in fostering research, but rather than offering 'prize' money, I think a better use of their resources would be to fund basic research (stuff that doesn't have immediate benefits, but may benefit in the future.)