One of the oft-repeated arguments in favor of the Affordable Care Act is that it will reduce people’s need for more intensive care by increasing their access to preventive care. For example, people will use the emergency room less often because they will be able to see primary care physicians. Or, they will not develop as many chronic illnesses because they will be properly screened and treated early on. And they will not require significant and invasive care down the line because they will be better managed ahead of time. Moreover, it is often asserted that these developments will lead to reductions in health care spending. Unfortunately, a growing body of evidence makes the case that this may not be true. One of the most important facts about health care overhaul, and one that is often overlooked, is that all changes to the health care system involve trade-offs among access, quality and cost. You can improve one of these – maybe two – but it will almost always result in some other aspect getting worse. You can make the health care system achieve better outcomes. But that will usually cost more or require some change in access. You can make it cheaper, but access or quality may take a hit. And you can expand access, but that will increase cost or result in some change in quality. The A.C.A. was primarily about access: making it easier for people to get insurance and the care it allows. The law also tries to make changes that may bend the curve of spending... |
A for-profit service called ScriptCheck exists to rat you out regardless of how diligent you are in trying to keep a sensitive matter under wraps.
ScriptCheck, offered by ExamOne, a subsidiary of Quest Diagnostics, is yet another example of data mining — using sophisticated programs to scour databases in search of people's personal information and then selling that info to interested parties.
To be sure, life insurers have a need to know as much as possible about the people they cover. This helps mitigate risk and potentially keep rates affordable for everyone.
But for anyone who is taking an antidepressant, say, or being treated for a chronic condition, privacy can be a key consideration. You may not want employers — or potential employers — to know what you're taking. By the same token, you may not want to risk a potentially sharp increase in insurance premiums.
"It's a tough issue," said David Bryant, a Los Angeles life and health insurance broker. "From the consumer's perspective, you may want to keep certain things under wraps. But when you buy a policy, an insurer will want to pull all information about you."
And thanks to ScriptCheck, the insurer doesn't have to give things a second thought. By purchasing this or a similar service, the insurer can be notified of all prescriptions you've filled in recent years, regardless of how...
ScriptCheck, offered by ExamOne, a subsidiary of Quest Diagnostics, is yet another example of data mining — using sophisticated programs to scour databases in search of people's personal information and then selling that info to interested parties.
To be sure, life insurers have a need to know as much as possible about the people they cover. This helps mitigate risk and potentially keep rates affordable for everyone.
But for anyone who is taking an antidepressant, say, or being treated for a chronic condition, privacy can be a key consideration. You may not want employers — or potential employers — to know what you're taking. By the same token, you may not want to risk a potentially sharp increase in insurance premiums.
"It's a tough issue," said David Bryant, a Los Angeles life and health insurance broker. "From the consumer's perspective, you may want to keep certain things under wraps. But when you buy a policy, an insurer will want to pull all information about you."
And thanks to ScriptCheck, the insurer doesn't have to give things a second thought. By purchasing this or a similar service, the insurer can be notified of all prescriptions you've filled in recent years, regardless of how...