There are evil insurance companies out there just as there are evil attorneys general and governors, but this case has no merit and in fact if pursued and won will not help the average consumer but hurt them and make already unaffordable health insurance cost even more.
The use of various fee schedule data is an attempt by insurers to as fairly as possible limit the charges of providers to some reasonable maximums. The alternative would be to rely totally on Medicares resource-based relative value scale, which would create even more of a howl from the provider community. There are inequities in the current system, specifically too high a premium placed on procedures and not enough attention given to evaluation but removing the reference points is not the answer. I am amazed at the ignorance of so many people that cant seem to understand we pay for what we get. There is no Deus ex machine that will come down and make everything right. If we are to have broader healthcare coverage and access, we must control costs. Without cost controls and reasonable assessment of relative worth of service, no system will survive. Over the years, I have watched time and time again new efforts be launched without adequate thinking that have gone down to failure and huge cost overruns. So to those who want to remove cost controls, go for it, just don't complain when your insurance becomes totally unaffordable.
Mark MeadeConsulting underwriterChester, Md.
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