As far as prescriptions are concerned, it would seem that a simple solution such as a flat annual rate for people with a large number of prescriptions would do. Say $500 a year for someone with 10 or more prescriptions filled monthly at a certain income level, and $250 for someone at a different level. They have sliding scales like this all through the private sector - it's not so unreasonable to apply it to medicine.
Furthermore, we need a review of who has final authority in a determining who receives health care. I.e. - If 3 or more doctors determine that a patient needs certain care, then it should be covered by the insurance, regardless of their personal underwriters determination. Why should insurance cover defensive medicine, but not the treatment? That makes no sense. I'm not suggesting that we provide care for everyone, rather that those with insurance shouldn't be denied care after the doctors determine it is needed.
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