Why don't I have more health care options?

If I go to www.dell.com I can "build" a computer by selecting from three to four options from about 100 different categories. Yet when buying health insurance through my employer I can choose between the base plan and the buy up plan.

I think I could save a lot of my own money and improve my overall health care package by selecting benefit scales on a condition specific basis. I would like a cancer benefit that is top notch, but I can live with a lower benefit for Alzheimer's. Why don't such choices exist? What can the federal government do to promote such choices? Would anybody else like to see these kinds of choices?

The main issue is insurance companies. They decide what tests a doctor can do, what medications he can prescribe, how much he can charge, etc. They decide how long you can stay in the hospital for each illness and condition. They also swamp nurses and other providers with so much paperwork that we can't do our own jobs. This is all done to maximize their bottom line.
A secondary issue is the limits of science. Sometimes, we just don't have another way to perform the task.

ugh! why dont u solicit your ur butthole

I don't mean to sound rude... but you should be happy that you are even offered health insurance. I've been chronically ill with who knows what for 3 yrs and can't afford to even be diagnosed. I've already spent over 3000 out of my life savings just to hear... "well we didn't find anything with this test" and "well this 400 dollar lymes disease test can give a false positive about 50% of the time" hmmm, why didn't I just flip a coin then.

Tags

　　Amputees 　　Amphetamines 　　Amniocentesis 　　Amnesia 　　Amenorrhea 　　AMD 　　Alzheimer 　　Alternative Medicine 　　ALS 　　Alopecia 　　Alcoholism 　　Alcohol Consumption 　　Alcohol Abuse

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