HealthAccessRI solely covers access to primary care physicians and does not cover other things such as hospital stays, x-rays, or other more serious procedures. Arguing that these are the things that should be covered by the insurance companies Dr. James M. Schwartz contends:
Today’s health-care financing perverts the original concept of insurance, which was supposed to pay for catastrophes, he says. “No auto insurance sells you a plan that covers oil changes and tune-ups,” he says. The current system has also harmed primary care, Schwartz argues, by paying doctors per visit, making it financially difficult to give patients the attention they need. HealthAccessRI gives doctors a steady, predictable income to cover predictable costs.
I think that HealthAccessRI is an interesting experiment that requires further investigation. I would love to have the option to pay for such a service while holding a significantly cheaper health insurance policy which would be reserved primarily for catastrophes and things other than primary care.
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