Regardless, I think most people find it a bit odd that their employer is somewhat of a gatekeeper to their medical care and what types they can or cannot receive, at least it seems odd to me.
Yes it all goes back to the fact that the employee’s job and benefits are a privilege and not a right.
You don’t have a right to health care. You have a job with the privileges/benefits that the employer is willing to mete out to you.
The answer to this problem is simple. Everyone should have healthcare under one umbrella.
The people are able to choose the doctors that suit them and any administrative/insurance system under this umbrella should
pay for any medical needs that the person and their doctor decide on together.
A simple system can be put in place to reduce frivolity or discretionary wants by patients and or doctors.
This includes everything from nose jobs to end of life treatments. Yeah, you can call them “Death Panels”..whatever!
An example would be this…a standardized life expectancy figure. Then a sliding scale equation to determine costs vs. time left on expected life expectancy. Yes. This would need to be addressed.
The patients life expectancy number could be given bonus points in relation to how much of a burden the person was on the insurance system over their lifetime.
As a society we have to face the facts. How much is it worth to keep someone alive for 3, 5 or 10 more years?
That’s where the sliding scale comes in. Of course people can supplement any care with their own money, or use the system less in their peak years to acquire bonus points for use in hospice or end of life treatments etc..
Perhaps when population is more controlled and “booms” and “plumes” are reduced greater discretion can be used.