Healthcare Napkins All

2009 © Digital Roam Inc.Dan Roam dan@danroam.com www.thebackofthenapkin.com Napkin #1Health care in America is a business governed by a simple equation:I get sick.My Doc fixes me.My Doc gets paid.3In the last several years there’s been a shift in the equation:Insurance jumped in between me and my doctor. Insurance now rations my treatment and health costs.4That happened because health care is really two different businesses:There’s the business … and then there’s of providing health…the business of providing payment.5I’m in the middle.Me, my health, and my moneysit in between these two businesses.6When I’m healthy, insurance loves me: I pay premiums that insurance collects, and they don’t have to pay anything back. 7When I’m sick, providers love me: Through my insurance, I pay Doctors, hospitals, and pharma for their products and services. 8These two businesses hate each other.(Ultimately, I’m the only source of money for both.)9They have conflicting interests and fight over my money. (It’s a zero-sum game.)Providers like to prescribe Insurers charge more new and expensive (and allow less) to keep treatments to keep money money flowing in.flowing in.10