>One of the big issues with the US system is that the patient is put right in the middle of the decisions so sees all the rejections, has to deal with all the paperwork, and pays the price when things go wrong.
This is the admittedly huge emotional problem, but distinct from cost problem. Hospitals and insurance billing systems can be as dysfunctional as they want because all of the financial liability is outsourced to the patient.
If this outsourcing were not possible, insurance and hospitals would have worked the issue out long ago. I expect all treatment would be pre-approved by default, and hospitals would carry the cost of misbilling (like how a retail store eats a fee for credit card purchases)
This is the admittedly huge emotional problem, but distinct from cost problem. Hospitals and insurance billing systems can be as dysfunctional as they want because all of the financial liability is outsourced to the patient.
If this outsourcing were not possible, insurance and hospitals would have worked the issue out long ago. I expect all treatment would be pre-approved by default, and hospitals would carry the cost of misbilling (like how a retail store eats a fee for credit card purchases)