HUH? All that happened here is that Bush got rid of and EO that Clinton signed and that never went into effect. Even if you make a lot of money you will still have to have one doctor knowing what the other doctor is doing or you will not be treated. That is a medical necessity. They can not treat you when they do not know what has already been found out. Or you can just pay them more money to start the process over and find out, but if they need any external lab or external x-rays etc. you are back to square one with giving out your medical records. Do you think doctors are psychic or something? They have a variety of fields because no one of them can do everything themselves. Even hospitals have specialties because the field of medicine is so large.
Also regarding insurance companies. Do you think they should just get a bill for some amount and pay it without knowing that it is their responsibility? Without knowing what they are paying for? Without knowing if someone else already paid the bill? They also have some needs to know and that requires sharing of medical records also.
If it falls under their coverage as items covered yes I do when they say we cover such and such service it should be their responsibility to do so. Not many persons can afford two insurance companies and they dearly love to play the good old the other company is responsible game and place doctor and patient in the middle.
All they need to know is a very basic numerical diagnostic code. They do not need to be making medical decessions on your behalf or rather theirs. The answer is simple. A basic binding agreement of services covered and services not. Insurance companies do not belong in any doctors exam room. The HMO Industry is book cookings just waiting to be discovered. There is no concievable way they can cover their so called plans simply by the way they are set up.
BTW my former employer was my health insurance source. We were self insured. My employer didn't have to know my diagnoses or prognoses all they saw was a simple services code and re-embursed me those expenses with zero hassles along with my medications again all that was required was a print out of prescription drugs total cost to me with just a print out from my drug store. Again they didn't have to know each and every medication I took just my cost.
This was a nursing home BTW that did this. The Administrator and Board of Directors were tired of Insurance Companies ripping them and us off and their never ending demands and denials of services. It can be made simple but the insurance industry by it's very nature and with help from lawmakers is allowed to continue abuses not afforded other businesses or industries.