The medical industry and the insurance industry are locked in a battle for money, and you don’t have a lot of say in it. I used to run an ambulance service. Let’s discuss.

If I took you to the hospital, and you were on medicare, there was a fixed rate to pick you up and a per mile rate. I got paid part by the government and part by the patient, who I was legally required to bill. If I failed to adequately bill the patient (10% or so), if I lied on the parts and mileage, silver bracelets and court time. We loved billing care/caid, because it was a fixed price, and we knew the payer of 90% paid regularly.

If you have private ambulance transport, you have no idea what you’ll get. The patient can have a $13,000 deductible, a 50% copay, and. $20,000 per-event cap. There’s no rule what a reasonable bill can be. The insurance company is trying to rig the game so the patient pays most of the bill while paying that sweet monthly premium at the same time. The ambulance is trying to be reimbursed for the time and materials. The red states opened the door for the patients to again be uninsured and pay you $0 for everything. So bills have to be high, to ensure some money comes in from insurance, to insure things can keep running. I would have loved to have a country of all care/caid and it be illegal to live there otherwise. They’d be the best cared for poor and old people in the world, getting quality care backed by the “only if you’re poor or old” US single-payer system.

But we have what we have, and it’s been well sold to enough clueless people that it’s here to stay.