Our 21st Century Healthcare System: Change or Chaos

Remodeling our health care system for the 21st century will be a challenge to say the least.  We do need to make changes to our current system. Change could be good,if you have a game plan. First you need to know how the system operates from the clinicians to business aspect of health care to the insurance companies.  I will give you a glimpse  into world of outpatient centers, which operate differently from a hospital setting.
First I will like to point out, insurance companies are in the driver seat. Insurance companies set the rules and the rules can change any time, without reasonable warning. Their reasonable warning could be an announcement in a newsletter that nobody reads or a letter that gives an unimportant appearance. When policies change, its usually in favor of the insurance company and by the time a clinician's business department adjusts to the change, the insurance company has save money and the practice has lost money.
Another important issue to understand, clinicians do not have due process to challenge insurance companies decisions concerning treatments or payments. Yes in some states you can report an insurance company to "Insurance Commission", sometimes the clinicians win,most of the time the insurance company wins.  Actually the patient is the advocate for the clinicians and for themselves.  Insurance companies have somewhat of an interest in keeping the patient a little happy, after all the patient (employer) has the contract with the company. What do you about this comment, your staff calls to verify the patient's policy and possibly obtain either an authorization or referral for treatment, the insurance  will make a statement "this is not a guarantee of payment".  Also, what company does not pay an invoice in 30 days, you guess it, the insurance company.
I don't think the general public realizes that most clinician's fee schedules from the insurance companies have either decreased or stay the same in the last 10 years.  Medicare has raised their fee schedule in the past, now its looking to decrease the fees by 10%.  By the way Medicare is the best payor for some clinicians.
Operating a health care practice is expensive, forget about the clinician's salary, there's rent, employees salaries, benefits for the employees, usual office expense, medical supplies, equipment, professional and business liability, and host of other expenses. The bottom line of a health care practice is gray , its not like the bottom line of a general business, thats more black and red.
In the future I will write articles concerning all aspects of health care, clinical, business and the insurance companies.  In some instances I will give my recommendations for remodeling our system. Changing our health care system will have a great impact on our health and the health of the economy. We need to be smart and not put the horse in front of the cart as we did with our food system.