Health Care Fix: Lawyer Insurance

The rising cost of healthcare has been on the mind of most Americans, except perhaps those who just refuse to care that health is for them. Now instead of raising the premiums or getting Congress to pass a sweeping healthcare overhaul in 2018 or 2081, this reporter wants to reveal a solution to the article Why is health care so expensive?. If you get sick, forget the doctor and get your laywer on the phone.

According to the article, the reason why Americans are paying double everyone else for health care is (after unending rationalization for almost two hundred words) the need for a better computer system. Robert Field, an expert of public health and professor at Drexel, has deduced that if we just file all our records together then we could see a decrease in costs.  And even if his thesis is correct, he states that the insurance industry has no incentive to lower costs. Why? Because it is a business.

Until Americans realize that health care is a business and that business is selling services and products to as many people as possible, no one in the whole industry wants to make health care more affordable, or so help us righteous Americans, comparable to the rest of the world. So that leaves me to come up with some options for Americans and businesses to deal with individual health care cost, insensitive health care industrialists (except for their bottom line) and a Congress who doesn’t know whose toes to step on.

Now I think suckers buy car insurance. Why do we buy it? So if we hit someone, they don’t take our house or maybe get our cars fixed. Plus it is a law. But we spend around two thousand a year to insure a car just in case it gets into an accident. For that price, car insurance companies should pay for expenses to fix and keep it. But in the new Healthcare Plan, this policy will be set for all Americans. Not to alleviate the gross spending or bring our cost of the system in line with other developed nations, but to spread the cost of healthcare all around to keep profits high for companies, keep hospitals and doctors busy, and most importantly, keep the drug companies banging our drugs.

I propose a new insurance. Why not? Half our budgets will be going to insurance soon anyway. This one is called Lawyer’s insurance. Instead of car insurance and health insurance, get a lawyer on your payroll. Whenever you get a bill from an ER visit for a splinter in your toe, just send it to the lawyer who will bring the price down. No more dealing with insurance companies and saving you at least 8,000 dollars a year if self employed or single.

This lawyer’s insurance is likely to become the largest lobby in Washington because Congress are mostly lawyers. When we are sick, we can just call our lawyers to attend the doctor’s visit with us. Not only will doctors see us immediately, but they will make sure that nothing goes wrong and the service is exemplary. We can negotiate the price or notify the doctor’s office that we will immediately begin a class action with the people in their waiting room.

With the proper lawyer, health issues will be settled and the costs will be half the premiums for medical insurance. No one plans to be sick, so all injuries or ailments are caused by non volition thus exempting us from any responsibility, especially financially. We can finally stop using health insurance if we provide every American with a lawyer. We will cut out the middle man. We will help businesses with the bottom line because they won’t have to pay for health benefits. Lawyer’s insurance will release Congress of eventually paying for universal healthcare and most importantly, give lawyers a dependable income while improving the social status because they are helping the sick.

So if you really think you need health insurance (meaning you are sick or plan to be sick soon), I would continue to pay. But for us healthy and optimistic individuals, who want to save some of our cash, let’s opt for the lawyer’s insurance. In the end, you will probably need a lawyer more than a doctor anyway for your last will and testament.