I think some of it would cause job loss. I mean, the current complexity of the systems with all the billing, coding, prior authorizations, etc.. etc.
I work in the healthcare field and there have been times I have briefly been on public assistance. I will say there are times when it is far cheaper to be, and if you have a decent set of docs, it's not so terrible. I was able to get an expensive orphan drug for free, and when I started work I fully expected to pay like 60 bucks in copays....
ONLY my WORK PHARMACY (OMG they are the best) FOUND and enrolled me in COUPON PORGRAM and just called to see if I wanted them to use a personal email and what was it. LOL. I have never had that happen at a pharmacy EVER.
Most of my meds are generic, and there is an incentive program where you pay 1 dollar if you are an employee instead of five. It's nutballs. All the money I spend on mods, is money used to spend on Medicaid copays.
The system can be very good to you, or very bad. I've been pretty lucky with the "good" for the most part.
But a HUGE chunk of the economy would be just GONE if the government did it right.
I personally feel (having been on Medicare part D) that they do it HORRIBLY. The programs offered are terrible.
The worst part is if I don't stay on it (and I don't want to pay 100 bucks ish a month for NOTHING, but if I drop it I will be penalized a certain amount for every month between the time I enroll again (if I have to, I hope not but) FOR the rest of my LIFE. That penalty should have people brandishing guns at their local social security office.) And, I get to "drop it" when THEY say so which is freaking 8 and a half YEARS.
It's better than no insurance at all, and I do plan to retire at some point, but I think the government has meddled MORE with like, retirement health benefits than ANYTHING. They are desperately doing all they can to keep it limping along with stuff like that.
Oy. It's a mess for sure.
Anna