Does the system need to be changed?

Let’s consider this scenario. You go see your doctor and it’s discovered that you need a medical procedure. Because of the way your insurance company structured its contract with your doctor, you need prior authorization. So your doctor contacts the insurance company...

What do patients really have?

So I have always been confused about what our lawmakers tell us via the news. I have heard time and time again that giving people insurance gives them access to healthcare. But this makes no sense to me. Clearly at least in California, which I can only speak of,...

Insurance 101: What is an insurance pool?

Sure, the company can use its insurance rates to try and reduce the risk by charging people more who they think they  think will use their services more (like a car insurance company charging someone who has had several accidents more than someone who had a good...

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