Sunday, July 20, 2025

UDLCO CRH:Too late! The ship carrying large loads of healthcare insurance ransom ware has sailed decades ago, make way for the home health rubber dinghies

Summary:


The healthcare landscape is undergoing a significant transformation, with a shift from large, corporate-driven healthcare systems to smaller, more personalized home health care models. This paper explores the reasons behind this shift and the potential benefits of embracing smaller, more agile healthcare systems.

*Key Words:* Healthcare transformation, home health care, corporate-driven healthcare, personalized medicine, precision medicine.





Conversational Transcripts:

[20/07, 05:56] random WhatsApp forward from small health organizations: 

😂 WHY DOCTORS SHOULD UNITE – Before We All End Up as Corporate “Staff” 😂


👉 Dear Doctors,
 We need to unite. Why? Here’s the honest truth, with a sprinkle of sarcasm:


🥼 1️⃣ To save small healthcare:
 Where else will “real” patients go — the ones who can’t afford a deluxe hospital bed but want good old-fashioned treatment and some free advice on the side?

 Middle class = still our most loyal customers (and chai bringers!).

💊 2️⃣ To protect young doctors:
 Do we really want the next generation to become “corporate residents” forever — clocking shifts, punching biometric machines, and writing discharge summaries like robots?

 Let them dream of opening a cute little clinic, not filling HR appraisal forms!

🩺 3️⃣ To support your doctor friends:
 You run to emergencies at corporate hospitals 24×7... but what about your friend’s nursing home down the street?
 Hint: He doesn’t have an emergency department, just you on speed dial. 😅


🏥 4️⃣ To keep small hospitals alive:
 Small nursing homes are like your local kirana store — you’ll miss them when they’re gone and corporates charge you 5X for a paracetamol drip!


👨‍⚕️ 5️⃣ To build doctor-owned group practice models:

 Why let some MBA uncle or IPO investor decide how many patients we must see per hour to achieve “targets”?

 Let’s work for patients, not for quarterly earnings presentations.

💸 6️⃣ To stop insurance premiums from skyrocketing:

 When everyone goes to 5-star hospitals for a fever... guess who pays?
 Insurance companies jack up premiums and your patients blame... YOU! 😂

🔔 Moral of the story:

 Doctors should unite before we all become "employees of non-medico investors chasing their ROI dreams" while forgetting why we became doctors in the first place!
💙 Support each other. Visit each other’s hospitals. Build group practice models.

 Save small healthcare.

👉 After all — if we don’t help each other, who will? The next corporate CEO or non medico investor ? 😎


[20/07, 06:38]hu2: Example here 🤦🏻‍♂️


[20/07, 11:29]cm: Too late! This ship sailed years ago. What you are currently talking about are anyways small rubber dinghies that are ushering in the home health care revolution akin to mobile phones disrupting the giant eniac computers of yore!

We have no choice but to utilise these dinghies to make smaller waves at a precision medicine home health level than the giant splashes our whaling ancestors enjoyed.

Paper in IMRAD format based on the above content:


*Introduction:*

The healthcare industry is at a crossroads, with large corporate-driven healthcare systems dominating the landscape. However, there is a growing need for more personalized and agile healthcare models that prioritize patient-centered care. This paper discusses the shift towards home health care and the potential benefits of embracing smaller, more precise healthcare systems.

*Methods:*

This paper is based on a qualitative analysis of conversational transcripts and online content. The transcripts highlight the challenges faced by small healthcare organizations and the need for doctors to unite to protect their interests. The online content provides examples of innovative healthcare models that are disrupting traditional healthcare systems.

*Discussion:*

The ship carrying large loads of healthcare insurance ransomware has indeed sailed decades ago, and it's time to make way for the home health rubber dinghies. The traditional healthcare system is no longer sustainable, and smaller, more agile healthcare models are needed to provide personalized and precise care to patients. The home health care revolution is akin to the disruption caused by mobile phones to traditional computer systems. By embracing smaller healthcare systems, we can create a more patient-centered and efficient healthcare model that prioritizes precision medicine and home health care. The time for change is now, and healthcare professionals must adapt to this new reality to provide better care to their patients.

And more conversational data rolls in on the deck:

[20/07, 13:59]hu2: @⁨cm What can turn the tide for Small Healthcare systems and Common consumers, is OPD Health Insurance. IPD Insurance is dominated by Corporate Hospitals, but OPD can be hyper local. But rolling out OPD in India can be done only in phases. We are on the cusp of launching OPD Insurance in Bangalore City.

[20/07, 14:14]hu3: Didn't express health clinics do this first in pune?

[20/07, 14:22]hu2: Yes. But OPD insurance coverage, is yet to happen


[20/07, 14:54]hu4: We have significant number of physicians trained under International board for NCD remission and reversal with lifestyle medical systems. Reducing health risks makes health insurance products profitable and scalable. These physicians need systems to practice typically in workplaces, primary clinics and community facilities


[20/07, 15:58]hu3: Do the Health insurance realize this is the way to turn the tide or content with just selling policies that bleed on field?

If x premium is collected for a cohort, it is in their interest to ensure they remain healthy. Hence claims will be minimized and business will be viable.


[20/07, 16:17]hu4: NCD remission and reversals need more than prescriptions I.e. mApp, health tracking, skill building sessions. 

As shared earlier insurers are financial risk managers not health risk managers. 

An entity that manages health, risk and benefits solves the problem and looking for interested parties to set the first basic module that starts working in favor 🙂👍🏻


[20/07, 19:06]hu3: That's the HMO ACO model. Reagan allowed KP - kaiser permanente to set it up in USA. Then healthcare went on a roller coaster ride. Today it is 100% capitalist and even with insurance co-pay and high refusals keeps many out of access to healthcare.  A CEO was shot recently coz his company was refusing claims based on AI decisions.




[20/07, 19:08]hu3: The words "delay", "deny", and "depose" were inscribed on the cartridge cases used during the shooting.


[20/07, 19:12]hu3: Kaiser Permanente's quality of care is often highly rated,[3] attributed to its focus on preventive care, salaried physicians (as opposed to fee-for-service compensation), and efforts to reduce hospital stays by optimizing patient care planning. It has had disputes with employees' unions, faced charges for falsification of records and patient dumping, been under regulatory scrutiny for the quality of its mental health services, and seen criticism over the size of its financial reserves.


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