If I'm not mistaken, ending lawsuits is not the main savings in tort reform driving up insurance costs. That seems to be the short-sighted, simplistic view of people who don't see the value in tort reform. The real savings come in the form of doctors not having to perform so many tests and practicing "defensive medicine".
This is a personal example from my own experience: I went to donate blood at a red cross blood drive and I was rejected due to high blood pressure. The lady said to go have it checked out. At the doc's office he checked it and said it's a little high and recommended a couple cycles of little pills and we will re-evaluate it afterwards. He then asked about my insurance and I told him, he said "let's run a few more tests just to be safe". I got bloodwork done, a chest x-ray, and one other thing where he put sticky patches all over my torso that were wired to some other machine. I wonder now if I would have those same tests had I not had "good" insurance. I never understood why until I learned a little about defensive medicine. Not sure what all those extra tests were but I'm glad he did them and they didn't cost me anything extra out of pocket but I would guess they were not cheap.
It's not defensive medicine. Its saving your life.
The term defensive medicine is such a joke, Anyone and everyone wants to having every i dotted and every t crossed when it comes to their own health.







