Minnesota Insurance

Workers’ compensation and auto insurance, two systems extensive use of private insurance, which represent more than 40 billion dollars in the health sector bills each year, presenting the President’s Task Force on National Health Care Reform diabolical with a dilemma.

For people wounded “on the job” or car accidents, it is Workers’ Compensation Fee or auto insurance bills that their doctor, not default on their public health policy.

If the Chairman of the Task Force, these two types of insurance in a federal program to train the work of health care costs, it is the health of complex changes. It may also anger lawyers, doctors, unions and insurers, in those systems, and to instruct their active opposition of the entire programme. In addition, President Clinton could ask Congress for regulation in areas historically by states. Quick access to higher costs

But if auto insurance and Workers’ Compensation are excluded from any universal health care plan, the main sectors of public health would be spared. The medical costs of Workers’ Compensation and auto insurers have increased even faster than health care spending in general.

Indeed, given that the checks were more than standard costs of health care for doctor bills Workers’ Compensation jumped. As long as the proceedings in an insurance system, doctors, chiropractors and hospitals, research easier payments in another.

Anyway, the political stakes are high. Skyrocketing Workers’ Compensation and automobile insurance rates have triggered riots in many countries for consumers and employers must pay the bills.

“There are two nightmares, since I wake up with lately,” said Richard W. Palcznski, Senior Vice President of the Travelers Insurance Company, one of many insurance companies scurrying leaders of the Task Force influence decisions. “One is that Workers’ Compensation is omitted entirely on health reform. The other is that they randomly put in”

Workers’ Compensation is a network of $ 70 billion of the state programs regulated by more than $ 30 billion for medical care, plus lost wages and rehabilitation benefits, workers suffer work in the framework of injury or diseases. With the law, employers are required to pay premiums. From 1970 to 1990, medical expenses under Workers’ Compensation Insurance 1335 percent, compared to 795 percent for health care in general. Workers’ Compensation coverage is most often sold by private companies, although in some countries of public funds managed to sell. Motor insurance is a condition of car ownership in most countries pay more than $ 13 billion per year for medical expenses. From 1987 to 1991, the average medical care right to auto insurance policies has gone up 40 percent of debt in the country without laws, compared to 36 percent of the increase in costs for medical care in general. N cost control

As with other forms of medical insurance, a lack of cost control is seen as the main cause of the increased speed.

Workers’ compensation and auto insurers rarely used procedures to manage care with which insurers to contain costs of treatment. Indeed, in some countries it is illegal for Workers’ Compensation Managed Care insurer never use. And given that injured workers do not pay deductibles or supplements under Workers’ Compensation, they have no reason to hunting and less need for costly care.

Studies of identical services in Minnesota, for example, found that taxes were more than twice the Workers’ Compensation, as default-Blue Cross-political. Thus, as health insurance have split on payments under the standard policy of health care, doctors and hospitals have their bills, if possible, rather liberal payments in the context of other systems.

Mr. Clinton said that the main objective of its programme of health care, control expenditure in the health sector. Among the various ideas for change, many or most Americans are likely to join managed care networks such as health maintenance organizations.