In meeting recently with my good friend Joe Smith, he shared with me his passion regarding health care reform. I so loved his rantings in which I totally agree, that I asked if he would write a guest blog for theworkingcaregiver. He agreed.
The Sick Care System
It is always important to begin at the beginning. The fact of the matter is there is nothing wrong with the healthcare system in this country. The Physicians, Nurses, Dietitians, Physical Therapists, Pharmacists and other professionals who work in the system truly are the best trained and most proficient practitioners in the world. And so long as you remain healthy the system works perfectly.
The problem is the sick care system. Once you need to use it then you are in trouble. To be even more specific it the business component of the sick care system that is broken. I have been annoyed by the tenor of the entire healthcare debate being focused on care and access when the issue is a byzantine payment system that penalizes a person for being healthy by overcharging for premiums, confuses a person when they are physically compromised by disease and often makes the billing department seem more important than the operating room.
It begs the fundamental question: What is Insurance? The textbook definition is a promise of compensation for specific potential future losses in exchange for a periodic payment. Insurance is designed to protect the financial well-being of an individual, company or other entity in the case of unexpected loss. For any of us who have had to use the system for ourselves or a loved one the more apt definition would be pay the least amount of the claim over the longest period of time possible.
Insurance companies count on patients not following through to make sure their benefits are being applied appropriately. From the patient or caregiver’s perspective, the paperwork, phone calls and follow up associated with medical expenses can be extremely overwhelming and time consuming. It is obvious help is needed, thus enabling you to be more productive with your other responsibilities. There is no reason for the cost of regaining your health should be the risk of losing your accrued wealth.
About the Author:
Joseph T. Smith – Going through life with a very common name and an uncanny physical resemblance to Jack Lemmon has given Joe Smith a combination of tenacity and humor that he readily applies to complex business issues. With over 30 years experience in managing the delicate business relationship between the public and private sectors in issues as diverse as promotion of pharmaceutical products, anonymous HIV testing and emergency communications, Joe has established a reputation for honesty and integrity in both arenas. He has published and spoken extensively in the area of ethical business promotion.
Among his professional associations are memberships in Legatus, The League for Business Ethics, The American College of HealthCare Executives, The Society of Competitive Intelligence Professionals, Fellow, North American Academy of Arts and Sciences. Joe lives in Oak Park, Illinois. He was educated at Villanova University and the University of Pennsylvania.
KAST KLAIM$ – a patient advocate organization, helps patients, their families and their caregivers reduce the stress associated with understanding and payment of medical bills.
Kast Klaim$ has been created because insurance companies, hospitals and government agencies have scores of people protecting their economic interest in the health care system. Kast Klaim$ wants to protect the patient. Kast Klaim$ can be reached by telephone at 847-804-6000 or email at firstname.lastname@example.org. For immediate information about Kast Klaim$, please visit the website at www.kastklaims.com.