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Cream-de-la-Peach t1_j4wxtv8 wrote

That is the most asinine comment I have ever read. We should let insurance companies decide when someone’s life is no longer worth saving and when they will stop covering care? They already scam most patients out of money, anyone who ends up in ICU would get screwed by insurance trying to say “we aren’t covering futile services”.

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blatantninja t1_j4xza6d wrote

We already let them decide what care they cover within certain regulations.

And if they are futile it won't matter, the hospital won't be collecting anything

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Cream-de-la-Peach t1_j4ygu76 wrote

Well that’s half the issue with healthcare is that insurance dictates what care patients get and that’s not how it should work. What really needs to change is that patient’s advance directives should be followed according to their wishes and we shouldn’t let family member’s wishes supersede those of the patient when they no longer have capacity to make decisions. A lot of families that will continue life sustaining measures when the patient clearly wrote they did not want it in their advance directive or they never had one.

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blatantninja t1_j505epb wrote

I agree on the second part but not the first. There has to be a gatekeeper if you want healthcare that's affordable. Doctors don't want to be it (understandably) and patients will abuse the hell out of it. If a patient has met their deductible/out of pocket they don't even blink an eye if a treat is $100 or $1000000. That's a big part of our cost over overruns.

In a perfect world, sure cost shouldn't determine care, but unfortunately it's something that has to be considered in the real world. If it's not the doctors and if the patients won't do it themselves, that leaves either insurance or the government.

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