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Health care is a mess because the insurance companies are interfering with the clinical decision-making process. They have so many rules so that they do not pay in that they deny many legitimate claims over and over again. It should be the law of the land that to be allowed the privilege of offering insurance in the country, all insurers, HMOs, PPOs, etc.must have the same rules and regulations concerning payment and clinical decision making as the Medicare system. If they would like to offer a more robust coverage product on top of that foundation, they can do so but no added benefit can in any way change any aspect of the basic Medicare benefits structure. In other words, the first step should be to standardize claims review and criteria, based on current Medicare standards. crystal figurine associated with gambling debate topic: should gambling be banned hershey pennsylvania gambling how to win at slots free