[continued from previous message]   
      
   >> denials (~8-10%), but Medicare Advantage (private insurers running   
   >> Medicare) is similar to commercial plans (15-17%). No system's   
   >> perfect—both have gatekeepers to prevent fraud/waste.   
   >>   
   >> Back to incentives tho. Private insurers invest in preventive care   
   >> (wellness programs, early screenings) because keeping you healthy   
   >> means fewer big claims later—aligning with paying out efficiently. A   
   >> single-payer monopoly removes that competition, often leading to   
   >> rationing via wait times (e.g., Canada's median 28+ weeks from   
   >> referral to treatment per 2025 Fraser Institute data, vs. US averages   
   >> around 4 weeks for specialists).   
   >>   
   >> Denials suck in any system, but competition pushes private plans to   
   >> balance cost control with customer satisfaction (or lose business). A   
   >> government-run one replaces profit incentives with bureaucratic   
   >> ones—no escape if it goes wrong. Thoughts on that trade-off?   
   >>   
   >>   
   >>   
   >>>   
   >>>   
   >>>   
   >>> States try to rein in health insurers   
   >>> claim denials, with mixed results   
   >>> MARCH 25, 2025   
   >>> https://stateline.org/2025/03/25/states-try-to-rein-in-health-insurers   
   >>> - claim-denials-with-mixed-results/   
   >>>   
   >>>   
   >>>   
   >>> Health Insurers Deny 850 Million Claims a Year   
   >>> Feb. 12, 2025   
   >>> https://tinyurl.com/mr2bt5ep   
   >>>   
   >>   
   >>   
   >   
      
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