So, you can go to big ER, little ER, PCP office normal hours, private independent urgent care, or now urgent care centers within the network. The PCP office may not have an xray, but likely there will be a private imaging company in the same building so you don't even have to go to your car.
Personally, out of laziness, I like this. If I had a chance to get a few grand back or added to my paycheck and take a lower level of service...
The extra capacity (in my view) is wasted money, though. Most of the plans around here are not for profit, which means if they have earnings, they have to retain them or spend them within the system. I wish they had to give most of them back to the employers and patients.
This speaks to the one thing the NHS does really really well...
It's extraordinarily cheap compared to other comparable systems in other parts of the world, and manages to achieve very good overall outcomes, and somewhere between adequate and outstanding for almost all patients on what is effectively a shoestring budget...
I'd take it for everything other than mental health parity. That law has been especially good because it puts people in talk therapy instead of on pills right away. You have the option for one or the other or both, but if you're battling insomnia or something and want to talk about the root of it, you can generally be talking to someone the next day or two.
I think I might have been one of the people that highlighted the failings with Mental Health care in the UK to you in other discussions, and yes it's much much patchier with a real postcode lottery in terms of quality of care.
This is compounded by the fact that significant elements of what would form an integrated mental health service was taken out of NHS hands, to be provided by private companies, with local councils providing the funding from their social services budget.
Unfortunately those budgets are set in stone years in advance, and have to compete with other priorities, whilst the private organisations have to bid so low to win patients, that even small changes in care or variable costs results in a situation where they're unable to make money...
It has created a zero sum game in which the patient's best interests (and often those of the staff caring for them too, who do genuinely care immensely), are squeezed by the incompatible interests of two competing large organisations where decision makers are only looking at the money 95% of the time.
You might think from that, that I'm arguing against the involvement of private companies in delivering healthcare; which I'm not wholly opposed to...
What I am opposed to is fixed-price contracting of these kinds of services with an opacity as to the actual cost of delivery, resulting in constant back and forth over money between the two organisations who should be focused on helping the patient.
I'd be much more comfortable with us using a "Pain-Share Gain-Share" model to contract for those services, where the company agrees a target price and a level of profitability with the funding body, and if they manage to bring down costs, both the funder and the company gets a cut of the extra profit, whilst if costs rise the funder covers some or all of the cost over-run, but no margin is chargeable on that cost.
More equitable distribution of business risk almost always helps to drive down cost, allowing either party to shoulder all of it on the other hand almost always drives it up.