I live on a budget. When I overspend in February, I have to underspend in March. Last month I didn't use my clothing budget at all and so this month I got to double it (and got a fantastic new dress!). What would happen if your physician were put on a similar budget: if her treatment of your condition surpassed the "average" cost, she'd pay out of pocket; if she didn't spend every penny allotted, she could pocket the difference.
A great article on Time.com (
Cutting Health-Care Costs By Putting Doctors on A Budget) shares the news of a pilot program just like this that is in the works.
Prometheus (which is both named for the Greek god of forethought and the super-long acronym "provider payment reform for outcomes, margins, evidence transparency, hassle reduction, excellence, understandability and sustainability) is going to be used to calculate insurance coverage for 80,000 Illinois workers by January of next year.
Currently the United States runs on a "fee for service" (FFS) health care model: insurance pays a specific fee for each service that is provided to a patient. This allows for physicians to add service after service in order to boost their fee income. This ends up costing insurance companies - and therefore patients - more than non-FFS providing nations. According to the Time.com article, "Prometheus ... calculates compensation for hospitals and doctors based not on the specific treatments a patient receives but on the care a patient should receive "per episode.""
The incentive lies in preventing illness, or treating it with more succinct and through methods than simply letting the illness or disease travel its course. If a doctor can educate an obese patient on the pitfalls of high cholesterol and rollercoaster blood sugar levels, the prevention of cardiac arrest or diabetes is going to save both the patient and the physician money!
Like Time.com says "it's a simple idea that makes sense in theory." There are so many little facets of the program that have yet to be fleshed out, we don't really know how it will work out in the end. In an society of excess and overuse of everything from toilet paper to physician's services, the Prometheus program will be an interesting segue into the new era of United States health care.
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