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 Originally Posted by CoccoBill
With insurance, why would they? The point isn't that they'll want a less cost-effective treatment over a more cost-effective one, they'll want every test imaginable, whether they're even relevant or remotely helpful, since if you don't prescribe them, I'll find someone who does.
You're right. It's a big problem in second-party and third-party payment systems.
Insurance is a second-party payment system. Government is a third party payment system. First-party is what we want, third-party is the least efficient.
It is likely that most health insurance would go by the wayside without government involvement. Most of the healthcare system naturally works well as a first-party payment system, but government policies have basically made it where the only viable kinds are second and third party payments.
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