It looks like the Senate is trying again to come up with a patients' bill of rights. The question that seems to be at controversy is whether or not that those who make medical decisions that affect coverage should be jointly and severally liable with physicians and their insurers in the event of a fault based bad result. Right now, managed care organizations (MCOs) are protected by law, so they can make all the medical decisions they want and if it goes badly, then the physician is the only one left holding the bag. Also, the question is whether or not employers should have liability if they make decisions that delay or deny care causing injury or death to the patient. One position (favored by Republicans) is that if employers become liable (even if they do make these decisions) then they will simply stop offering health benefits to employees. Another position (favored by Democrats) is that employers who make these decisions must also share liability for them, becuase if they are exempt the MCO's will just transfer those decisions to exempt employers. If this is the case, (and employers are exempt) then physicians will still be the only ones left in liability - which seems manifestly unfair, since physicians are losing their medical decision making authority. What do you think?