One of the points discussed yesterday in "the summit" was whether or not to put a cap on malpractice lawsuits. I can see both points of view on this subject. The R's want to put a cap of $250,000 that a person can win from a Doctor that makes a mistake while "practicing" (what a term!) medicine. They claim that the savings would be 50 billion dollars in the insurance industry.
Obama said 50 billion was a drop in the bucket when you are talking about a Trillion (yes, with a capital T) dollar budget. Not worth bothering with, in his opinion.
The D's say that if you put a cap on malpractice suits, it will give the Docs free reign to make all the mistakes they want and that the American people will suffer for it . . . . . I can see how this may be the case. What's 250 K?
Here is my story: When I had my first child, Justin, I knew that he was the one of the last deliveries that my doctor was going to attend. Why? His entire clinic decided that the malpractice insurance was so high, that they were dropping it and getting out of the "baby" business.
When I had my second child, I lived in my home town. Very small town. Very small hospital. Very few Docs. Most of the Docs didn't carry obstetric malpractice insurance. In fact, when I got pregnant I thought I was going to have to travel 1 1/2 to 3 hours to get my prenatal care, every month for 9 months, and then since I deliver so quickly, possibly having to move to the city for the birth. Many women did just that.
What was the reason that the Docs wouldn't deliver babies? The malpractice costs were so high, they weren't willing to pay them. Lucky for me, the hospital decided to kick in and help one of the Doctor's pay their insurance. If the Doctor can't deliver, no one goes to their hospital, and they lose their much needed revenue from that area of practice. Even so, my daughter was the only baby born in that hospital for the entire month of June. She got great nursery care! One-on-one care!
Malpractice suits have many unnoticed consequences. They make the doctors pay higher rates for their malpractice insurance and then the docs raise their prices to help pay for it and then charge the insurance company more for their services and the whole process keeps going round and round like a dog chasing its own tail. (We didn't have insurance, however, paid for the birth out of pocket) I bet they'd save more than the $50 billion they talked about!
Our small town of 3000 or less doesn't have much of a voice, but I bet it isn't the only community that suffers from the same unfortunate circumstance.