re: Healthcare costs and tort reform - crushing your myths

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But let's not forget that doctors can be assholes on their own without the consideration of litigation.

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I'm not sure I'd characterize an over zealous doc and a-hole.

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Take away #2 and the doctor still has an incentive to do an MRI In fact I was given a CAT scan once and I'm almost certain that it wouldn't have been done if I didn't have insurance.

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Absolutely. Third party payors are the ultimate cost driver. But practicing defensive medicine is WAY easier when neither the doc nor the patient is paying. It's a strong enabler.

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It was completely unnecessary in retrospect.

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Any negative finding looks unnecessary in hindsight.