I work in the field of Nuclear Medicine and have worked at several major hospital centers. A large percentage of health care dollars are spent on folks that are so far gone that they practically live in critical care units. Many of their families don't have the heart to put a "DNR"(do not resuscitate) order on them, and who can blame them, noone wants to lose a loved one. There are so many problems in the health care industry, the list is too long.
And there is no easy solution as it becomes more and more political. Being around physicians and experts in the field over the years this is my take on it: one of the major hurdles to solving the health care problem is the patients themselves, in other words us. I'll try to explain this phenomenon by reconstructing a similiar conversation I had with a patient...
Me: Why are you having your stress test today sir?
Patient: I had this terrible burning in my chest a couple months ago, it gets worse the more coffee I drink. I usually drink about 5-6 cups per day.
Me: Are you still getting this discomfort?
Patient: No, it went away after I started taking prevacid.
Me: Did you try cutting back on the coffee?
Patient: No, you see I do just fine on the prevacid.
So the insurance company has to pay over $100 per month for prevacid because the patient chooses to drink too much coffee. I know this is oversimplifying the problem but I think it all comes down to how we take care of ourselves, eating right and exercising can do wonders for your health, everyone doesn't need to be on high blood pressure and cholesterol meds. If insurance didn't cover his stomach medicine, i'm sure he would try to cut back on the coffee to help his discomfort.
Originally, insurance companies only covered major health traumas. Health care savings accounts could be a big help, if everyone put away 10% of their income since they started working and used that for their own health care (with supplemental coverage for major health care issues) that would be a good start. They could also use this account for retirement and invest the money as they wish.
This probably will never happen because the changes necessary would have to start at the government level. So as a politician trying to get elected, they will not be very popular telling the masses that there will no longer be insurance coverage to pay for there prevacid, claritin, etc.
That is only one of the many problems in health care today. There are definitely greedy Doctors and greedy insurance companies also. Funny thing is, even with all the problems and bureaucracy, I wouldn't want to be sick in any other country. God bless America!