Healthcare Debate in USA

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nutjob

Gym climber
Berkeley, CA
Topic Author's Original Post - Sep 6, 2012 - 06:48pm PT
Maybe it will fail in flaming abuse, but I'd like to see issue-centric threads like this rather than pure politard threads that boil down to democrat vs republican, I'm right you're wrong name-calling fests.



USA HEALTHCARE DEBATE

As a society and as a government we have enshrined the right to "pursuit of happiness," but that is pretty tough if you live in pain or are limited by untreated medical conditions and can't afford to go to the doctor.

I used to think medical care should not be a basic right, but rather an elective thing, something we work hard to purchase (maybe one of the most valuable reasons to earn money). Now I have come to believe that the question about universal healthcare is a defining pillar of civilization.

We are not a civilization if we don't treat our citizens in a civil way. Being left to die or suffer terribly or have a lifetime of financial planning flushed down the toilet because of an accident or a newly diagnosed disease, or for something similar in a loved one....

Yes I fear the bums taking advantage of the system. No it's not fair. But I would rather that the bums are human beings who might be lonely and go to the doctors too much, or people who don't take care of their body and incur excess health costs. These bums are actually cheaper than the corporate bums, such as pharmaceutical companies that bribe FDA executives with future executive employment if they approve questionable drugs sooner, to extract more money from citizens before the patents run out.

And why should for-profit health insurance companies be legal? It seems to be in moral conflict with a basic desire of every country to promote the health of its citizens. Imagine a heart surgeon haggling over price with the family at the moment the patient goes into cardiac arrest. Oooops, market conditions changed, the price for that bypass just went up 10 times. Free-market capitalism is not applicable here, because there is not a free market, no equality of choice between suppliers and demanders both willing to walk away. It is silly to apply notions of free market capitalism to healthcare decisions for this reason. Healthcare "capitalism" amounts to extortion. For-profit insurance companies are just a slow-motion extortion, but no less conceptually gruesome than the heart surgeon haggling with the family in the critical moments. At some point we do have to face limits about healthcare costs and make hard decisions about what an extra amount of life is worth paying for and what the quality of that life should be. But that is a healthy debate to be had on a national setting without the clouds of profit-motives to muck things up.

Why does universal right to healthcare rank below the corporate profit motive in America?

Right now the U.S. national debate about healthcare (and how to pay for it) pits the uninsured against "everyone else". In other words, we have this burden of uninsured people that we have to pay for, where will the money come from? Many other countries face the same dilemma, but frame the argument totally differently. They take it for granted that people will be insured, and the budget problem they face is "we have struggling hospitals, pharmaceutical companies, and doctors are protesting for higher wages and better working conditions, but how will we pay for these things while keeping our guarantee for universal healthcare and reasonable quality and wait times?"

Why do we, in America, give the corporate-right-to-profit a sense of sanctity and exemption, freedom from the political haggling and budget-tightening discussions, while we don't give the same sense of sanctity or exemption to human beings who face death or debilitation or long-term suffering for lack of access to affordable healthcare.

How to pay for it? Eliminate for-profit insurance companies, develop a national fixed price schedule for treatments, mandatory participation by all citizens with government subsidies for poor folks, and no denial of coverage for any reason.

Flame away.
Curt

Boulder climber
Gilbert, AZ
Sep 6, 2012 - 06:51pm PT
No flaming here. I happen to agree with you.

Curt
mountainlion

Trad climber
California
Sep 6, 2012 - 07:27pm PT
My aunt Connie was vaccinated for polio in the 50's and ended up contracting polio (I think this was a government vaccination but I dont know).

I also worked for Farmer's Insurance Group (property insurance). I was a call center employee (through a temp agency while in college). I worked with at least 50 others as the first contact the insured had when filing a claim. It was my job to handle the call, process the claim (so and adjuster would visit).

Our goals were very clear:

Be very polite.

Try to give the insured the "run-around" hoping they drop the claim by forcing them to call back with additional information when filing their claim.

When they do call back with additional information pretend that the previous information they provided isn't showing up on the system.

Disconnect the call if they begin to be agitated.

Be very polite.

We had a supervisor who could monitor our calls and disconnect the insured at will. They insured we did our job how the company wanted us to or
we would be removed (easy to do as we were hired through a temp agency).

At least half of our insured dropped thier claim because of the difficulty in succeeding. I remember one claim particularly vividly. The insured had recieved a check for $300 for his roof. He called in LIVID he said "I have had Farmer's Insurance for 30 years and this is the first time I have filed a claim. I don't have a roof on my house (from a tornado) and you are giving me $300 for a job that costs $10,000?" "I want that adjuster back out here". This insured battled with the insurance company over the phone for several months recieving several small checks as payment. Then he wrote a detailed letter. In the end he did get his roof replaced in full by the insurance company but he was in the minority. His persistence was the only reason he succeeded. Most were not as tenacious.

Given the choice of having the government be the primary contact with the hospital and care providers (doctors, nurses, etc) through a single payer system (similar to Medicare) or having the insurance company be the primary contact (like we have now). I prefer a single payer (medicare)type of program. Not some greedy vultures who want to profit off my misfortune, deny coverage, and profit off of collecting my premium while denying that coverage.
Norton

Social climber
the Wastelands
Sep 6, 2012 - 07:34pm PT
I prefer a single payer (medicare)type of program. Not some greedy vultures who want to profit off my misfortune, deny coverage, and profit off of collecting my premium while denying that coverage.

well said
k-man

Gym climber
SCruz
Sep 6, 2012 - 07:46pm PT
In 2010, the United Healthcare CEO made over $100 Million.

Do the math on how much per day that gentleman was making, it will curl your innards.

Believe me, he didn't make that money by writing checks. Healthcare for profit is a sin.
HighTraverse

Trad climber
Bay Area
Sep 6, 2012 - 07:50pm PT
Single Payer

anything else is failure
And Obamacare is going a long way to prove it.
Unfortunately single payer was DOA when Obama was elected and is probably even more dead now.

By the way, there are a multitude of ways to implement and pay for "single payer", just check out the Euros. I don't believe any two countries do it the same way. Some are better than others.
None have as poor healthcare outcomes as we do.
Lennox

climber
just southwest of the center of the universe
Sep 6, 2012 - 08:55pm PT
Jody,

You wouldn't know a hypocrite if he was staring you in the mirror.

And just as you don't have the capacity to use logic or discern the difference between a liberal, a socialist or a communist, likewise you can't see the difference between this thread that centers on a real topic of interest, that affects everyone, which is worth discussing, and the purulence you discharge into the forum when you want to stroke yourself.



Who cares where Obama was born?!


Jody

climber

35/53k


Topic Author's Original Post - Sep 3, 2012 - 05:30pm PT

The problem is where he lives now.




nutjob

Gym climber
Berkeley, CA
Topic Author's Reply - Sep 6, 2012 - 09:03pm PT
Hi Jody, I tried to find a pre-existing thread on the topic, so I could deny this coverage. But I just got a bunch of hits on Why Republicans Are Wrong On Everything and didn't want to go there.

Sickness and death don't care which way you vote. I'm not looking for a thread about politicians and their policies and criticisms thereof.

Well, if a very specific policy is advocated by a specific candidate, then fine let's discuss the merits or demerits of that policy. But let's skip the whole labeling of groups of people and politicians part and stick to what is good or bad about different proposals and why.

That's my objective in this thread anyways. I was inspired to this theme by Base104's recommendation of a Frontline episode "Sick Around the World" on the Netflix Gems thread.

The main points I got after looking at a variety of country's approaches (seeing good and bad of it) seem to be:
1. Mandate coverage for everyone (no opt out, no exclusions)
2. Fixed prices for all services to cap costs
3. Instead of insurance profits, if you have money left over you roll it over year-to-year and use it to increase quality and decrease wait time, or reduce premiums.

Some countries have struggled with hospitals at risk of going bankrupt, or doctors protesting in the streets for better pay and working conditions. Frankly I think those are healthier societal problems to be debating, having the budget debates about how to pay for those problems, rather than talking about how we are going to pay for all these people who don't get healthcare today.

Instead of taking it for granted that healthcare and insurance providers are safe thriving businesses, let's take it for granted that EVERYONE will get healthcare coverage and see what problems that presents and try to tackle that.
HighTraverse

Trad climber
Bay Area
Sep 6, 2012 - 09:05pm PT
Jody
It shouldn't really be a PARTISAN political problem.
Our healthcare SUCKS regarding, cost, patient coverage and medical outcomes. ALL of the data supports my claims. It's a national disgrace.

What ideas can you contribute?

<what nutjob said>
climbski2

Mountain climber
Anchorage AK, Reno NV
Sep 6, 2012 - 09:20pm PT
To me it comes down to what is the purpose of having a government.

In my mind it is to pool our collective resources to provide basic services that are not best provided by private business. Things like an army or a fair justice system, roadways and basic infrastructure are things we take for granted as basic government functions.

IN order to ensure LIFE LIBERTY and the PURSUIT OF HAPPINESS.

Now for that "in order to ensure the life of it's citizens" thingy. Seems like a pretty good basic priority of any government. What are the best ways to do that. An Army? maybe, probably a good idea. Police, sure Firefighters, yep

How bout medicine!!!!!!!! Seems like the most basic of all concepts when it comes to ensuring our lives.

There are all kinds of reasons to pool resources for economy of scale when it comes to at the very least financing our medical system. There are good reasons for taking the profit motive out of the finance part ie the basic capitalization.

SO yes on the basic finance level it seems to me well proven that a single payer tax system for financing our helthcare is the most efficient way for us to get what we ALL need at some point in our lives.

I suspect it is important to leave the profit motive in to some degree when it comes to who is paid that money for services and actual products. This gives incentive to be a good provider and to develope new and better medical procedures and products.

A lot of nations have various ways to make sure their citizens have healthcare. The USA DOES NOT!

Various mixes from pure socialized medicine (like the VA) to Singlepayer via taxes (like Medicare) but privately owned hospitals and private doctors, to mixes of private and public health insurance.

I just simply cannot understand making any claim to some sort of moral greatness or for that matter any greatness whatsoever if your nation cannot take care of the most basic needs of it's citizens.

multiple private insurance pools are a ridiculous way to get the best effect ..even if you have it it is more expensive than simply paying taxes into a single pool that covers everyone completely .. period. It gives this single pool of finance the clout of monopoly to make sure it gets good rates, it spreads the risk most fully, it does not need to make a profit which raises your cost.
Curt

Boulder climber
Gilbert, AZ
Sep 6, 2012 - 09:30pm PT
Jody,

You wouldn't know a hypocrite if he was staring you in the mirror.

And he is.

Curt
nutjob

Gym climber
Berkeley, CA
Topic Author's Reply - Sep 6, 2012 - 09:38pm PT
Jody, I hear you on being miffed for people scamming the system.

If healthcare was a mandate, then it would reduce people using other discretionary spending to justify not being able to afford health insurance. Point in favor of mandatory coverage.

And as for scammers in general... I finally accepted that yes there will be people ripping off the system. It does get under my skin because I was raised in a very self-reliant and hard-working way and it pisses me off to see people get something for nothing. But. That seems a lesser evil than the alternative of people who really need the coverage and despite their best efforts to live responsibly and plan appropriately, can't afford the coverage and have their life devastated by it.

There will still need to be some sort of oversight/regulation to hunt for individual offenders. In Taiwan, they have automated flags when someone goes to a doctor 4 days in a week or 50 days in 3 months, or something like that. The specifics don't matter as much as the concept of being able to flag over-consumption and then try to address the root cause. Having all this data centralized to make it easier to audit/flag such stuff (abuses of individuals and abuses of doctors who facilitate false claims) would be an advantage of a single-payer system. Point in favor of single payer.



+1 for climbski's post too
Norton

Social climber
the Wastelands
Sep 6, 2012 - 09:46pm PT
I'm with Jody on his being pissed that he and I have to pay a little extra out of our income taxes and increased health insurance premiums for those irresponsible as#@&%es who "choose" to go without health insurance.


When, and I mean WHEN, they "need" healthcare, federal law set decades ago requires
the emergency rooms to treat them.

And there is nothing FREE about that treatment.

The Hospital bills the Federal government and Jody's healthcare company pays a little extra to pay for that healthcare of the freeloaders.

The Affordable Care Act, as Jody knows from reading it, will do away with the freeloaders by requiring them to either fuking "get" healthcare or pay a fine for not having it.

I, like Jody, am sick and tired of people sucking off us taxpayers and getting a free ride.

You damn right I support the President and new ACA, especially for this reason.
mountainlion

Trad climber
California
Sep 6, 2012 - 09:49pm PT
Jody I love your argument that you have "known" someone who has all those luxeries but chooses not to buy health insurance.

I think you made this person up, to create a hypothetical debate.

How did you find out that this person has all of this stuff? Is it your brother, sister, in-law, friend? How did you ask the question or did they just offer the information.

People I know who have those luxury items have enough disposable income to pay for health insurance AND THEY PAY FOR IT!!

When I was 35 (five years ago) my wife and I purchased our own health insurance from blue cross (I was small business owner). We were on seperate policies due to our age being different (she is a little older than I but it put her into a more expensive bracket). Her premium was $275 a month with a $5000 deductible, mine was $200 a month with a $5000 deductible. In two short years our premiums more than doubled. I dropped the insurance when it became $500 a month and $5000 deductible even though nothing had changed but my age (I never used the insurance).

Have you ever wondered why the prices for service aren't listed like other businesses? For example what does putting a cast on a broken leg cost? How much does closing a cut with stitches cost? Have you ever looked at a hospital bill? Why should it be more expensive for someone (without insurance) to pay for a broken arm to be casted than it is for someone with insurance to pay for the same service?

Please respond Jody.
rottingjohnny

Sport climber
mammoth lakes ca
Sep 6, 2012 - 10:03pm PT
We have the biggest and best military on the planet but what good is it if our citizens cannot afford medical insurance and end up dying , or worse going bankrupt to pay for medical care...?
Crimpergirl

Sport climber
Boulder, Colorado!
Sep 6, 2012 - 10:05pm PT
Jody - don't you work for the government? Is your work totally screwed up? Does private sector (i.e., non-government) provide better policing services?

Genuine curiosity on my part how you feel about that.
rottingjohnny

Sport climber
mammoth lakes ca
Sep 6, 2012 - 10:05pm PT
Jody...You don't trust government and you work for the government...?
climbski2

Mountain climber
Anchorage AK, Reno NV
Sep 6, 2012 - 10:05pm PT
Yeah Jody every system has it's problems.

Canada's system isnt perfect. THEY THINK is "catastophic" lol

and still better than ours.

Where does that put us?

Third world baby

third f*#king world healthcare..

hmm maybe even worse.. I could go to a third world country and get my care cheaper than here.
lars johansen

Trad climber
San Francisco, CA
Sep 6, 2012 - 10:14pm PT
As a retired firefighter, some services are best left to government. Police, Fire, Parks and Healthcare. Single payer.

lars
climbski2

Mountain climber
Anchorage AK, Reno NV
Sep 6, 2012 - 10:16pm PT
Jody i wouldn't mind it either.

hell I'd love to own a business that could pull over any customer it wanted and fine em for that tail light I just broke.

Anchorage AK had to vote out our parking enforcement company a couple decades ago for overzealous enforcement. Twice they fine cars with dead people in them. Lots of insane stuff. One of the cars with a dead person in it had 3 tickets given within 24 hours.

When you throw the profit motive into a justice system you end up with something called

MAFIA or various other really corrupt situations.
Crimpergirl

Sport climber
Boulder, Colorado!
Sep 6, 2012 - 10:20pm PT
Would be interested in more of your thoughts about the privatization of law enforcement for real. Advantages? Disadvantages? Interesting to hear it from an LEO standpoint.

(Edit: and do you think privatization works best in some parts of the CJ system and not other parts?)

Do you think that everyone who works for the gubmit works for the people too? Or is that perspective a personal position some govt workers take and others don't?

Again, you know me, not a fighter, these are not attack questions. I'm just someone interested in how others view things if you want to share.
rottingjohnny

Sport climber
mammoth lakes ca
Sep 6, 2012 - 10:20pm PT
Jody...I work for the government and the citizens ...We are all in the same boat.....You are right , government has it's share of mind boggling dysfunction...But so do some of the businesses in the private sector....There is only so much one person can do to fight this losing battle...
Norton

Social climber
the Wastelands
Sep 6, 2012 - 10:21pm PT
Norton, how many of these bums will pay the fine and what happens if they don't? They go to jail where I end up supporting them anyway? What? I fail to see how that will stop freeloaders.

thank you Jody, just trying to make a point


now to your questions: as you know from reading the ACA, those who can clearly afford to pay a healthcare monthly premium and refuse to get their own health insurance will, at income tax time, be assessed an additional tax.

You ask if they will go to jail if they don't pay?

No, as you know from your reading, of course no one goes to jail, they just pay more income tax.

As to how this will stop "freeloaders", well other than having them pay a tax, you are correct that they can continue to freeload.

But, WHEN they go to the hospital expecting a free ride from us taxpayers, their bill will be paid out of the "pool" money, that extra tax they themselves had to pay.

Is it a perfect system? of course not, but it is a hell of a lot better than what we have now, which is just dumping the cost on you and me in the form of higher monthly premiums. This is a serious effort to inject some sense of personal responsibility and make them man up, like you and I do when we make our monthly payments.
climbski2

Mountain climber
Anchorage AK, Reno NV
Sep 6, 2012 - 10:22pm PT
Yes lets give a greedy person the power to make a profit at the point of a gun. Lets give them the power to kidnap you and hold you in a locked room till you pay

Really freaking genius idea there.

Welcome to fascism AKA the republican Party
Curt

Boulder climber
Gilbert, AZ
Sep 6, 2012 - 10:27pm PT
RJ, no, I don't trust the government. I don't work for them, I work for the citizens.

Utter bullsh#t.

Curt
Fritz

Trad climber
Choss Creek, ID
Sep 6, 2012 - 10:28pm PT
I want to bring some recent information into this discussion.

From NBC news: http://vitals.nbcnews.com/_news/2012/09/05/13689103-us-health-care-its-officially-a-mess-institute-says?lite



US health care: It's officially a mess, institute says

By Maggie Fox, NBC News

September 6, 2012, 7:26 pm


NBCNews.com

If banking were like health care, it would take days to get money out of an ATM because the records would be lost. If airlines were like health care, pilots would decide on their own which safety checks to make, if any. If shopping were like health care -- well, you get the picture.

It’s a mess, the Institute of Medicine says in a report released on Thursday. The U.S. health care system wasted $750 billion in 2009, about 30 percent of all health spending, on unnecessary services, excessive administrative costs, fraud, and other problems. As many as 75,000 people who died in 2005 would have lived if they got the kind of care provided in the states with the best medical systems, the Institute found.

The report, issued just as candidates for Congress and for president make health care reform a central part of the national debate, doesn’t pull any punches. The panel of experts assembled by the Institute, an independent body that is supposed to provide a non-partisan last word on important issues, leaves no doubt that U.S. health care now is anything but the best in the world.

"The threats to Americans' health and economic security are clear and compelling, and it's time to get all hands on deck," says Mark Smith, president and CEO of the California HealthCare Foundation in Oakland and chairman of the panel.

"Our health care system lags in its ability to adapt, affordably meet patients' needs, and consistently achieve better outcomes."

But there's hope. "We have the know-how and technology to make substantial improvement on costs and quality. Our report offers the vision and road map to create a learning health care system that will provide higher quality and greater value," Smith says.

“What I am seeing around the country is that people are absolutely committed to reform,” says James Conway of the Harvard School of Public Health and the Institute for Healthcare Improvement in Massachusetts, who served on the panel.

“Whether you look at the Republican platform or the Democratic platform, you find in pretty strong language the importance of developing a high quality health care system.”

One of the biggest problems is that health insurers, hospitals and health systems don’t learn from their mistakes, the report says. Half of all health care professionals still neglect to wash their hands properly before seeing patients, even though it’s one of the main causes of infections that kill tens of thousands of patients every year.

An organized system that finds out what went wrong and where, and then provides for the health system to correct those mistakes right away would save money and lives. It’s possible in a computerized world, but it’s not happening on a systematic basis. Hospitals that report every single infection and ruthlessly track down where it came from have found they can cut infection rates to zero, for instance.

Yet just this week the Centers for Disease Control and Prevention reported that a third of Americans have high blood pressure and only half of them have it under control. There are dozens of drugs to treat it, not to mention diet and exercise methods. It took 13 years for one of those drug types, the beta-blockers, to become the standard of care even after they had been clearly demonstrated to work, the report says.

What’s missing, the report says, is coordination. “What I see is people doing a little bit of this and a little bit of that. Everyone has their little initiative. And back at the ranch, the doctor, the individual provider, is drowning in the sea of initiatives,” Conway says. “What is missing is a much more systemic and collective response.”

The report points to two main problems. “One is the increasingly unmanageable complexity of the science of health care. During the past half-century, there has been an explosion of biomedical and clinical knowledge, with even more dazzling clinical capabilities just over the horizon,” the report says. But the current system doesn’t help providers learn this material and it doesn’t give them any incentive to apply it.

“Second is the ever-escalating cost of care, which is widely acknowledged to be wasteful and unsustainable. Unless ways are found to provide more efficient, lower-cost health care, more and more Americans will lose coverage of and access to care.”

Conway praises the Massachusetts health care system, which he says is organized with the patient in mind. The report also says government initiatives, such as the Patient-Centered Outcomes Research Institute (PCORI) and the Center for Medicare & Medicaid Services Innovation Center are good ways to test and apply proven treatments and methods for paying for health care.

“Until we organize the health care system around the people we are privileged to serve, we aren’t going to figure it out,” Conway said. “I don’t think we have done that before -- we haven’t organized it around the person with cancer. That would be a remarkable change.”

Some ways to get there? Let people see what various treatments cost up front. Employers, who cover the health care costs of 55 percent of Americans, can help, too, the report says. They can use their buying power to demand high-quality, high-value health care, and get their employees involved in wellness programs.
Crimpergirl

Sport climber
Boulder, Colorado!
Sep 6, 2012 - 10:49pm PT
Thanks Jody. Not my area of expertise by any stretch of the imagination. Was just curious.
mountainlion

Trad climber
California
Sep 8, 2012 - 08:14pm PT
By the way Jody correct me if I am wrong but you have your healthcare supplied by your employment (wich if it is from the government the taxpayers pay for--thus we subsidize YOUR healthcare).

Also you don't pay taxes on that benefit in the form of income taxes. Correct me if I am wrong but it is INCOME if everyone else has to pay for thier healthcare out of pocket.

If everyone who had thier healthcare supplied by their employer had to pay income taxes on that benefit (as they should) then we would have a much clearer debate and most likely everyone who is against a single payer system would miraculously switch sides.

The only reason half the people aren't bitching is because they get thier healthcare provided without seeing the actual cost.

You are just like the FREELOADERS you claim to despise.

But I am happy to pay your benefits through my taxes if that keeps a high quality Law Enforcement a public service rather than a corrupt private one.
Ksolem

Trad climber
Monrovia, California
Sep 8, 2012 - 10:27pm PT
For example what does putting a cast on a broken leg cost?

That would depend on the nature of the injury. If you want a future where your broken leg is treated generically rather than optimally by sport medicine specialists then put cost ahead of quality.

Just remember that when you get that injury repaired there is about one chance to get it right to where you can climb at your limit again after rehab.
apogee

climber
Technically expert, safe belayer, can lead if easy
Sep 8, 2012 - 10:31pm PT
"I don't work for them, I work for the citizens."

That really is a hypocritical rationalization.
nutjob

Gym climber
Berkeley, CA
Topic Author's Reply - Sep 8, 2012 - 10:35pm PT
Ksolem, that is an excellent point. If cost is fixed and quality/satisfaction varies amongst providers, then the most qualified will end up with the longest waiting lists. And when you need emergency treatment it will be a shot in the dark in terms of good quality being available when you need it.

So let's say hypothetically we had a rating system where patients give feedback on their experience into some "national database" and docs or facilities below a certain level get the boot. But then what if there just aren't enough docs at a given quality threshold?

Present the problem to the electorate (or some congressional panel) and they vote to either lower the minimum patient satisfaction threshold or increase funding for doctors?

Devil is in the details, this stuff is complicated.
Ksolem

Trad climber
Monrovia, California
Sep 8, 2012 - 10:48pm PT
then the most qualified will end up with the longest waiting lists.

Actually I think there is a very good chance that "the most qualified" will opt out of the system, setting up boutique practices, and we will see an even greater divide between the care which those with money can have and those who don't.


climbski2

Mountain climber
Anchorage AK, Reno NV
Sep 8, 2012 - 11:31pm PT
Interesting point Ksolem

However what about someone like me with no insurance. I go to the ER and cross my fingers. Afterwords for good or bad I end up with a bill I can never pay. Unless I win the lottery.
mountainlion

Trad climber
California
Sep 9, 2012 - 01:38am PT
Ksolem respectfully that is not the issue.The issue is we don't know how much ANY treatment costs for ANY ailment. Why should there be one price for an insurance company, one price for someone paying out of pocket, and one price if the person has no insurance but recieves treatment paid for with U.S. tax dollars.

While our tax dollars are used to pay for the treatment (in the case where a person has no insurance and visits an emergency room). Why should an insurance company get a better deal than the U.S. taxpayers.

A broken leg should have a specific price to be treated (using the most complicated surgery and best recovery options as the benchmark for the most expensive price). You don't want to pay for that option and that outcome then here is the price for the second tier treatment this outcome and this treatment costs this much (documented price).

Every hospital and all doctors should have to post thier fee for service schedule. As treatment is provided and billed currently no one can tell how much it actually costs for that injury to be treated.

Yes I think a doctor should make more money than a construction worker but it is called Healthcare (the care part shouldn't be just about how much money is made to treat a patient).
Degaine

climber
Sep 9, 2012 - 05:38am PT
When you look at the actual data of the universal healthcare systems in France, Germany, Japan, for example, you see the following:
*Actual fraud or "freeloading" represents 1/10th of 1 percent of overall healthcare spending
*Outcomes are far superior overall when compared to the US system.

Anecdotes are just that, anecdotal. The might stir up one's ire, but just have no real meaning in the overall scheme and benefit of a universal program. That's not to say that these cases should not be pursued and prosecuted.

Universal healthcare also provides the individual with much more mobility. Certain countries like France do indeed have labor laws that make things more difficult for employers to fire/hire than in the US, but you also see a much higher level of entrepreneurship per capita than in the US.

If you look at France's system, which is the number 1 rated system on the planet, you have a good mix of public/private coverage, the private covering the gap and elective procedures or costs such as plastic surgery or a private room, something that those with more money are free to purchase in order to have the extra comfort. Public coverage provides all the essentials and reimburses up 75% of cost if you are not below the poverty line. Thing is in France a visit to your GP is 23 € and everyone (without supplemental private insurance)is reimbursed 17 €. Plus you pay out of pocket and are reimbursed later, so you do indeed see/feel the real cost of care.

The debate in the US should not be what other system should we "cookie cutter" apply, nor should the debate include the anecdotal faults of other systems - because yes, they are not perfect - to not do anything to reform the US system.

What we should be doing is asking the following questions as a starting point:
*Why do countries like France, Germany, and Japan (to name three) spend one-half (Fr and Germany) and one-third (Japan) per capita per year when compared to the US and have far better overall outcomes?
*What of these systems that works well can we apply to the US or at the least, what can we learn?

Other questions could include the economic benefits of having a health workforce or healthcare that costs less. It's not by chance that GM has moved factories from Detroit to just across the border in Canada: healthcare costs in Canada are cheaper and the company does not have to spend time managing it.
Sierra Ledge Rat

Mountain climber
Old and Broken Down in Appalachia
Sep 9, 2012 - 08:26am PT
Many people object to "universal healthcare" because they don't want to pay for other people's healthcare.

What they don't understand is that they are already paying for other people's healthcare, but are doing so in a very inefficient, convoluted, wasteful manner.

What do you think happens when an indigent person shows up at a hospital with a heart attack? Is he turned away becauses he can't pay? Of course not. Is he denied bypass surgery because he cannot pay? Of course not. This is, afterall, a civilized country.

Do you think that the hospital "eats" all of the costs of that indigent person's care? Of course not. The hospital passes the costs on to everyone else by a variety of legal book-keeping maneuvers, Medicare/Medicaid billing, etc., etc.

What most people also don't understand is the "privatization" of medicine has a host of very serious consequences that are bad for everyone involved - except for the corporate CEO and shareholders.

Patients are not "customers." The doctor/patient relationship is nothing like a merchant/customer relationship.

Medical care delivered under a business model ALWAYS puts profits ahead of compassion.

The supposed benefits of "efficieny" that might be achieved through business models are not worth the human toll that invariably follows when paper-pushing MBAs make medical decisions from corporate HQ.

Conservative argue that government bureaucrats will make even worse decisions than corporate HQ. But historically the opposite has been proved true, over and over and over...

Government-run universal healthcare is the only way to go.

sempervirens

climber
Sep 9, 2012 - 01:51pm PT
Who wrote the Affordable Care Act? Obama? Lobbyists? I believe it was written by lobbyists, and I doubt they were lobbying for a universal single-payer system. Suspicious? I am.

What options for solution has conservative ideology brought forth?

That conservative ideology spites itself. It argues against coverage for all because poor and/or lazy people might get something free. But that leads to all of us paying the continuing higher prices and receiving lower quality service. Would conservatives prefer that over paying less and covering the lazy freeloaders? Emotional rhetoric trumps their rational minds.

I don't trust the government, that is a no-brainer, IMO. Why would we trust the private insurance and care providers any more than we trust government? And in our current system (which includes the super PACs via Citizens United ruling) the private providers have too great an influence over government. There is nothing free-market about that. Health care in US is not functioning in a free market, it is rigged for influential private profit interests. Our entire economy is thus. Shall we pay for the freeloaders who earn less than $30K per year, or for those who rig the system and collect poor Jody's taxes?

apogee

climber
Technically expert, safe belayer, can lead if easy
Sep 9, 2012 - 02:09pm PT
"... for those who rig the system and collect poor Jody's taxes?"

So that those taxes (and everyone else's in the city where Jody serves) can then pay Jody's salary, benefits, and pension?

'Government Sucks'? Then don't work for it.
Norton

Social climber
the Wastelands
Sep 9, 2012 - 02:10pm PT
"Many people object to "universal healthcare" because they don't want to pay for other people's healthcare.


in addition to Locker's comment, damn few people know that part of your healthcare monthly premium is paid by your insurer directly to the emergency rooms to help pay for those unpaid bills left by those who show up without health insurance

Seriously, did YOU know this?

It is a fact, and if we could get everyone insured then the medical field numbers crunchers feel that the overall cost of YOUR paying for the free loaders would be mitigated.

Todd Eastman

climber
Bellingham, WA
Sep 9, 2012 - 02:11pm PT
Pull the pension investments out of the health insurance companies...
rottingjohnny

Sport climber
mammoth lakes ca
Sep 9, 2012 - 02:15pm PT
I never could afford healthcare and luckily have good genetics but now that i have healthcare insurance thru my employer , the doctor always tries to sell me on more and more tests and instead of buying an over the counter tube of anti-itch cream for 12 bucks , i get an 85 dollar one from the pharmacy....Our system is ridden with waste and i think it is outrageous that government workers are insured by the tax payers but millions of tax payers can't afford health insurance...
Sierra Ledge Rat

Mountain climber
Old and Broken Down in Appalachia
Sep 9, 2012 - 02:26pm PT
in addition to Locker's comment, damn few people know that part of your healthcare monthly premium is paid by your insurer directly to the emergency rooms to help pay for those unpaid bills left by those who show up without health insurance

Not quite... But hospitals get huge subsidy checks (millions of dollars) from Medicare/Medicaid at the end of the year, based on the number of indigent and Medicare/Medicaid patients that they see over the course of the year. And those subsidies are not only for uncompensated emergency care, but for uncompensated outpatient and inpatient care as well.

BTW, where does Medicare/Medicaid get all of that subsidy money?
Norton

Social climber
the Wastelands
Sep 9, 2012 - 02:36pm PT
BTW, where does Medicare/Medicaid get all of that subsidy money?

Medicare money since 1965 is funded through with holding from both employer and employee directly, and Medicaid is funded 100% from the Federal government out of the general fund, and from the States through their citizen's income tax payments.


And yes, every private for profit health insurance company pays, as part of their state regulation, an annual "fee" to the hospitals and emergency rooms directly to help pay for those people who Federal law requires to be treated and do not have their own insurance.

And the money from those fees come directly from the monthly health insurance payments from people like you and I who have insurance with that company.



sempervirens

climber
Sep 9, 2012 - 02:40pm PT
Could US businesses compete more effectively if health care was covered by a single payer system funded by taxes? Small and large businesses are affected by health care costs. Isn't health care one of the highest costs to the big3 automakers?

Health care is a huge part of our economy, but would be it a smaller part of the economy if we had a single payer system with price controls? I think it would be.

Norton

Social climber
the Wastelands
Sep 9, 2012 - 02:49pm PT
Semper, you are correct

The math is simple, single payer Medicare has
overhead costs of about 2%, private plans keep
as much as 50% to pay out in profits

For example, the CEO of United Healthcare took
home over 50 million last year

Sickening
Sierra Ledge Rat

Mountain climber
Old and Broken Down in Appalachia
Sep 9, 2012 - 02:56pm PT
Thanks Norton, I didn't know that

BTW, where does Medicare/Medicaid get all of that subsidy money?

Rhetorical question for those who don't think that they're already paying for anyone else's healthcare.
johnboy

Trad climber
Can't get here from there
Sep 9, 2012 - 03:16pm PT
Not quite... But hospitals get huge subsidy checks (millions of dollars) from Medicare/Medicaid at the end of the year, based on the number of indigent and Medicare/Medicaid patients that they see over the course of the year. And those subsidies are not only for uncompensated emergency care, but for uncompensated outpatient and inpatient care as well.

Many hospitals are allowed to be a tax exempt business for the free care they provide. A local hospital in SD professed 27 million in profit last year while maintaining it's tax free exemption. To an extent they need freeloading patients to aid in their exemption status. It is also a benefit for them to pay out more to their Administrator's, staff and stockholders (themselves) thus reducing their profits they have to report in a year.
Norton

Social climber
the Wastelands
Sep 9, 2012 - 03:18pm PT
Rhetorical question for those who don't think that they're already paying for anyone else's healthcare.

exactly, and I am sure you meant we are all paying for those "without" healthcare also

It is somewhat like the motorcycle helmet law, in that a number of riders scream about their "right" to ride without a helmet and how they want to just be free free free.

The problem is that when their head meets the asphalt if death does not come instantly, we taxpayers can then be paying for lifetime of high cost nursing home care.

And, a number of health insurance companies are so sick of it that they are starting to write into their policies that they will not pay for anything if the rider was not wearing a helmet.

And make no mistake, this same mind set of being "free" is often also apparent when the motorcyclist decides to not pay for a healthcare policy for themselves.

And then once again, we all pay for his healthcare in the nursing home in the form of taxes, and increases in our own monthly premiums.
BASE104

Social climber
An Oil Field
Sep 9, 2012 - 10:31pm PT
OK. I just had knee surgery I will post a few bills here. It was a 90 minute surgery. Three days inpatient.

Hospital:

$62,550.69

The hospital had a "provider writeoff: of $45,950.69 My part of it wasn't too much.

The Surgeon billed: $2775.50. The provider write off was 1001.29.

Haven't gotten all the bills back.

Someone explain this to me. If you don't have an insurance provider, do they bill you the full amount, (62 grand)for the hospital?

I won't even go into fighting with the insurance company over a 3 grand CT scan that took a wopping 5 minutes...3 grand. Insurance paid 400 bucks finally and it was settled.

One of my old climbing buddies got tired of OK and moved half of his practice to Canmore, AB, so he could climb and ski. Now this guy wasn't for govt run healthcare.

He prefers the canadian system big time. I was shocked. He is a specialist, and said it takes about the same wait as it would down here. Took me six weeks to get in with the knee surgeon. He said the pay was good and he didn't have to fight insurance companies, which takes a whole staff. He also liked not seeing patients go broke.

Norton

Social climber
the Wastelands
Sep 9, 2012 - 10:42pm PT
Someone explain this to me. If you don't have an insurance provider, do they bill you the full amount, (62 grand)for the hospital?


yes, they bill you the full amount

and the reason is because IF you did have insurance, then your healthcare insurance company would have already in advance settled on a "contract" price with both the hospital and the surgeon for what they will pay

this is really one of the big advantages of having insurance compared to not

however, those high fees for the uninsured become a nightmare of "negotiation", and often result in the uninsured filing for personal bankruptcy
BASE104

Social climber
An Oil Field
Sep 9, 2012 - 10:45pm PT
Oh man. That is just WRONG. If I didn't have insurance I would have to sell a rent house.
Ken M

Mountain climber
Los Angeles, Ca
Sep 9, 2012 - 11:38pm PT
The Canadian Medical Association (CMA) says Canada's health care system is failing to meet the needs of Canadians and is in urgent need of reform.

According to a report titled "Health Care Transformation in Canada: Change that Works, Care that Lasts" that was just released by the CMA, Canada's health care is in serious trouble.
The report states that Canadians are not receiving the value they deserve from the health care system, ranking last in 30 countries surveyed in terms of value for money spent.
The Canadian Medical Association says Canadians are "increasingly concerned about the lack of timely access to see their family physician,the long wait times for diagnostic testing, a widespread lack of access to specialists and specialized treatment and the compromised quality of care in overburdened emergency rooms."
The report states that the biggest factor in long wait times for health care is the lack of physicians as Canada's physician supply relative to the population is far below average.
Since Canadian teaching institutions do not produce enough physicians to meet demands, Canada cannot expect to make up the difference without new sources of physicians.
Lack of access to prescription drugs is also an area of concern.
Prescription drugs represent the second largest category in health care expenditures but only 50 percent of drug treatments costs are covered by health care. According to the CMA, the situation is "catastrophic."

Not so fast.

The report also says:

Medicare has enjoyed the resounding support of Canadians for nearly half a century. But new times
bring new challenges to the health care system and so it has been forced from time to time to adapt
and evolve. This document is predicated on the belief of the CMA that new demands for adaptation
must be addressed starting now, and in a manner consistent with the spirit and principles that have
guided Medicare from the beginning.

hardly the condemnation that you describe. It goes on to say:

Canadians
wait too long for care. Care providers feel overworked and discouraged. There are insufficient
mechanisms to monitor system performance. Technical support needs modernizing.

Wait a minute! Those are the EXACT SAME PROBLEMS that we have in the US, under the "miracle of the marketplace" insurance system. The one thing that is on the US list, NOT on the Canadian list, is the HUGE problem with all the people not covered.

The report says Canada is 30th out of 30 countries in value.

Not what this reference they have says:

http://www.conferenceboard.ca/HCP/Details/Health.aspx

"Canada’s middle-of-the-road ranking overall—a solid “B”—would surprise most Canadians who are immensely proud of their health care system. Canadians have universal access to health care services, highly skilled and committed health care professionals, and internationally recognized health care and research institutions."


But this graph shows it best:




Ken M

Mountain climber
Los Angeles, Ca
Sep 10, 2012 - 12:02am PT
Who wrote the Affordable Care Act? Obama? Lobbyists? I believe it was written by lobbyists, and I doubt they were lobbying for a universal single-payer system. Suspicious? I am.


It was written conceptually by a group of health care policy experts, who have spent their careers in this sort of thing. One of the leaders was Dr Ezekiel Emanuel Founding director of Ethics at the National Institue of Health, now at Penn.

In this video, he describes some of the health care abuses that will be addressed in the ACA:

http://www.youtube.com/watch?v=EQ8cCFnKZCA&feature=related
Chaz

Trad climber
greater Boss Angeles area
Sep 10, 2012 - 12:25am PT
Norton writes:

"The problem is that when their head meets the asphalt if death does not come instantly, we taxpayers can then be paying for lifetime of high cost nursing home care."

No.

The problem is taxpayers being forced to cover the tab. Individuals exercising their liberty isn't a problem, as long as they only damage themselves.
Lennox

climber
just southwest of the center of the universe
Sep 10, 2012 - 01:10am PT
So what do we do with them Chaz?

[edit]
He's brought into the ER as a Code. We don't know anything about him; we resuscitate him. We send him up to ICU, and eventually he is breathing on his own, he's paralyzed and brain damaged, but he ain't gonna die unless you don't feed him through his tube, or you just put him out in a field somewhere.


What do we do with this freedom lover Chaz?
Chaz

Trad climber
greater Boss Angeles area
Sep 10, 2012 - 01:15am PT
If you want love and compassion, don't look to the government. Government is force and coercion - and nothing else.

Maybe the church has your answer. Look into that.
Chaz

Trad climber
greater Boss Angeles area
Sep 10, 2012 - 01:24am PT
If church isn't your bag - and you still want to help - look into the service organizations, such as the United Way, the Lions Club, the Shriners, etc.

They're much more effective than the government, and they don't have to steal and intimidate with threat of force to accomplish anything.
Lennox

climber
just southwest of the center of the universe
Sep 10, 2012 - 01:26am PT
I am not talking about love and compassion Chaz.

I'm talking about being a part of a society and a civilization.


We just kick 'em to the curb?


[edit]

Chaz, it is patently obvious that you have ABSOLUTELY no idea of what you are talking about.
Chaz

Trad climber
greater Boss Angeles area
Sep 10, 2012 - 01:28am PT
Read my post right above yours.
Lennox

climber
just southwest of the center of the universe
Sep 10, 2012 - 01:30am PT
So the ambulance should take them to church?
Chaz

Trad climber
greater Boss Angeles area
Sep 10, 2012 - 01:32am PT
Catholic HOSPITAL. Methodist HOSPITAL. Here in Loma Linda there's even a Seventh Day Advenist HOSPITAL.

No government necessary.

Good people want to do good things. But intelligent people realise their resources are wasted when trickled through the government.

Lennox

climber
just southwest of the center of the universe
Sep 10, 2012 - 01:34am PT
I work in the ER of a Catholic Hospital; exactly how do you think that makes ANY difference.


[edit]

As I said before:

Chaz, it is patently obvious that you have ABSOLUTELY no idea of what you are talking about.

[edit2]

You think the Vatican just eats the costs?
Chaz

Trad climber
greater Boss Angeles area
Sep 10, 2012 - 01:36am PT
Because your organization does things a hell of a lot more efficiently than any government program ever has.

http://libertariananswers.com/is-private-charity-more-efficient-than-government-welfare/

http://mises.org/journals/jls/21_2/21_2_1.pdf
Lennox

climber
just southwest of the center of the universe
Sep 10, 2012 - 01:42am PT
Catholic, Methodist, Seventh Day Adventist--they all deal with Medicaire, Medicaid, and the same shitty insurance companies.

Churches make a lot of tax exempt money, but you obviously don't understand the scale of costs to care for the uninsured and indigent.

YOU HAVE NO IDEA OF WHAT YOU ARE TALKING ABOUT.
Chaz

Trad climber
greater Boss Angeles area
Sep 10, 2012 - 01:44am PT
Did you look at the links I posted?

What's wrong with what what they found?
Chaz

Trad climber
greater Boss Angeles area
Sep 10, 2012 - 01:48am PT
Old enough to know if you want something important done right, keep government out of it.
Degaine

climber
Sep 10, 2012 - 01:49am PT
Hi Chaz,

We live in society, not a vacuum. Everything you do effects others and vice versa.

Some obese guy's unhealthy lifestyle on the other side of the country makes my private insurance company rates go up even though I'm perfectly healthy and rarely go to the doctor.

There's ideology - your point of view - and there's the actual data of which systems are more effective, efficient, and less costly than the current US system.
Lennox

climber
just southwest of the center of the universe
Sep 10, 2012 - 01:50am PT
I looked at your links, but they do not deal specifically with the massive healthcare disaster.


You obviously have certain philosophical, and political biases that are dear to your heart that blind you to the reality of our healthcare catastrophe.
apogee

climber
Technically expert, safe belayer, can lead if easy
Sep 10, 2012 - 01:51am PT
Chaz, I gotta hand it to you.

Very few people can troll responses like you can.

Keep up the good work!
Lennox

climber
just southwest of the center of the universe
Sep 10, 2012 - 01:52am PT
Old enough to know if you want something important done right, keep government out of it.

So we should get rid of the standing military as many of our founders intended?
Chaz

Trad climber
greater Boss Angeles area
Sep 10, 2012 - 01:57am PT
Lennox,

I've shown that a dollar dedicated to healthcare will do more good in the hands of a private charitable organization than that same dollar would if spent by the government - by a factor of two or three, at least.
Chaz

Trad climber
greater Boss Angeles area
Sep 10, 2012 - 01:58am PT
Warbler,

What makes you think I'm on Medicare?
Lennox

climber
just southwest of the center of the universe
Sep 10, 2012 - 02:08am PT
I've shown that a dollar dedicated to healthcare will do more good in the hands of a private charitable organization than that same dollar would if spent by the government - by a factor of two or three, at least


You are living in a fantasy or drug induced hallucination.


I know of no church that runs a trauma unit--they are usually heavily subsidized by the evil government.

I know of no charitable institution that runs an ICU or even a pediatric ICU or even more dear to the hearts of right-wingers a blastoma ICU--specialists don't take donations.

Chaz

Trad climber
greater Boss Angeles area
Sep 10, 2012 - 02:08am PT
Doesn't one have to be 60 or 65 to be forced ( there's that word again, goes hand-in-hand with anything government does ) onto medicare?

Medicare won't even exist by the time I'm that old. It's only got about twelve years of life left, if things arent changed.

How long before United Way goes broke?
Lennox

climber
just southwest of the center of the universe
Sep 10, 2012 - 02:10am PT
FORCED---damn your an idiot; you are always welcome to go swim to Japan.


[edit}

Isn't United Way one of your vaunted charities?
Chaz

Trad climber
greater Boss Angeles area
Sep 10, 2012 - 02:12am PT
Government does nothing without force and coercion. It can't, because it has no other tools.

Do you think people pay taxes because they think it goes to a good cause? Or do people pay up because they fear what will happen if they don't?

Force and coercion.
Degaine

climber
Sep 10, 2012 - 02:13am PT
Chaz wrote:
Lennox,

I've shown that a dollar dedicated to healthcare will do more good in the hands of a private charitable organization than that same dollar would if spent by the government - by a factor of two or three, at least.


No, you haven't demonstrated any of that.

You're ideological point of view is warping any ability to clearly understand healthcare and especially healthcare systems.

Universal healthcare does not automatically equal government as the single payer.

France and Germany have a mix (though mostly government single payer), and Japan and Switzerland are primarily private universal healthcare systems. Japan's cost per capita per year is 1/3 that of the US, the other three are roughly half. They all have much better outcomes than the US and provide healthcare to their entire populations.
Chaz

Trad climber
greater Boss Angeles area
Sep 10, 2012 - 02:14am PT
I don't know yet, but can you NOT be in medicare if you're over 65?
Lennox

climber
just southwest of the center of the universe
Sep 10, 2012 - 02:17am PT
Do you think people pay taxes because they think it goes to a good cause? Or do people pay up because they fear what will happen if they don't?



Both. But that probably creates too much cognitive dissonance for you; I'm sorry for your pain.
Degaine

climber
Sep 10, 2012 - 02:46am PT
Jim B. wrote:
Americans think we Canadians just roll over and accept whatever tender mercies from our state concerning monies paid.

Of course we do, because admitting the truth would be admitting that we are getting bilked by both insurers, providers, and big pharma, and that would mean admitting to being duped for decades.
Ken M

Mountain climber
Los Angeles, Ca
Sep 10, 2012 - 01:38pm PT
I've shown that a dollar dedicated to healthcare will do more good in the hands of a private charitable organization than that same dollar would if spent by the government - by a factor of two or three, at least.

chaz, you haven't shown anything that remotely shows that.
Ken M

Mountain climber
Los Angeles, Ca
Sep 10, 2012 - 01:41pm PT
I don't know yet, but can you NOT be in medicare if you're over 65?

You certainly can. You can if you are permanently disabled, you can if you are on kidney dialysis.
stevep

Boulder climber
Salt Lake, UT
Sep 10, 2012 - 02:16pm PT
Well, then you would be potentially dual eligible, Medicare/Medicaid.

In any case though, neither program is mandatory. If you are wealthy, you are free to pay directly for your own care or use private insurance.
Norton

Social climber
the Wastelands
Sep 10, 2012 - 04:12pm PT
Medicare is available for people 65 and older, if they want it.

Of course, they have to "qualify" for Medicare, as in pay into the program while working, just like you have to qualify for Social Security.

If you are disabled, Federally speaking, then you can be on Medicare at any age.

Medicaid is different, you have to be very poor with little or no income or assets, and the
"quality" of the healthcare is less than Medicare.

Almost all poor old people living in nursing homes are being funded by Medicaid, not Medicare.
sempervirens

climber
Sep 10, 2012 - 07:01pm PT
I agree with Chaz about the gov. forcing us to pay tax. But shouldn't we be required to pay tax? Would anyone propose not having a tax funded gov? Would we privatize national parks, national forests, the FDA, military, etc.?

On another point, using the example of the victim of a motorcycle crash, even if the victim were sent to a private run hospital (Catholic, Shriners, or other) it still involves the gov. because somehow a decision must be made, i.e. what do we do with the freedom-loving coma patient? I don't think you'd leave that to any private organization be it Catholic Charities or United Way. Regardless of the family's decision it is still a legal matter and therefore involves the gov. unless we do away with law. If you'd rather have anarchy, well then we can move on to that debate.

The gov is inefficient when compared to private industry. But industry is only better at providing service when profit is the objective. Health care is a different type of industry unless you believe profit to be its over riding priority.

So drop the anit-gov. ideology and discuss how to best to deliver health care. That is the topic.
Norton

Social climber
the Wastelands
Sep 10, 2012 - 07:16pm PT
But industry is only better at providing service when profit is the objective. Health care is a different type of industry unless you believe profit to be its over riding priority.

So drop the anit-gov. ideology and discuss how to best to deliver health care. That is the topic.

very well stated
HighTraverse

Trad climber
Bay Area
Sep 10, 2012 - 07:43pm PT
....certain unalienable rights, that among these are Life, Liberty and the Pursuit of Happiness.
how to best to deliver health care.
without good health care you're sure not going to enjoy Life and Happiness.
The UN Universal Declaration of Human Rights, adopted in 1948 with US voting YES states:
Article 3:
Everyone has the right to life, liberty and security of person.
Not a bad translation from 18th to 20th century
and
Article 25:
(1) Everyone has the right to a standard of living adequate for the health and well-being of himself and of his family, including food, clothing, housing and medical care and necessary social services, and the right to security in the event of unemployment, sickness, disability, widowhood, old age or other lack of livelihood in circumstances beyond his control. (2) Motherhood and childhood are entitled to special care and assistance. All children, whether born in or out of wedlock, shall enjoy the same social protection.
Reilly

Mountain climber
The Other Monrovia- CA
Sep 10, 2012 - 07:56pm PT
So drop the anit-gov. ideology and discuss how to best to deliver health care. That is the topic.

Unfortunately, dissing the government's ability to deliver healthcare is cogent
to the issue. Government does very little efficiently except collect taxes.
How else to explain the billions it/we are being bilked out of through fraudulent
Medicare payments? If private industry were in charge you can bet your
bippy they wouldn't be letting those billions fly out the window.

If we want universal coverage then efficiency will result in greater and better
coverage for all. Since it seems highly unlikely the government is or can
disband the insurance industry then wouldn't the most efficient delivery of
services be achieved through those with a vested interest in not being robbed?
And if the insurance companies all had to play by the same rules in terms of
coverage and delivery of services with a fixed profit margin set then all the
government would have to do is monitor the situation. This is what, in effect,
the IRS does. Put the IRS in charge of overseeing the insurance companies
and they would play nice!
~kief~

Trad climber
state of Awakening
Sep 10, 2012 - 07:59pm PT
-
Good topic.
Yet,the treads gone anti-jody,
notice how,in major issues in the us,someone will
chime in seeking only to murky-up the waters,make folks choose sides(?)
slap a label on one they disagree with,at the same time dodging the issue.
this has become the new american dialog,or lack of it..


>>>>health care in the US has become a world wide laughing stock.

remember michael moores sicko?
remember how P.O-ed you were?

I will never understand how helping the sick and dying,for profit
was,is, has become accepted as right,just,or even smart.
I guess,unless you're the one making the profit.and they are..
-how do we fix it?
fire all those F*ckers.
nationalize it.




The Wedge

Boulder climber
Santa Rosa & Bishop, CA
Sep 10, 2012 - 09:45pm PT
The IOM (institute of medicine...an arm of the national academy of science)has put out a number of reports about our health care system one in 1999 titled "to err is human: building a safer health care system" and another in March 2001 call "crossing the quality chasm; a new health system for the 21st century. They tell you what is wrong and suggestions on how to fix it. Both are about 6-7 pages. Im sure you can find it on the internet. Check it out.
climbski2

Mountain climber
Anchorage AK, Reno NV
Sep 10, 2012 - 10:09pm PT
I wonder how much our Car insurance would go down if Healthcare costs did not have to be covered?

I wonder how much business would save if they didn't have to pay for healthcare? I think GM said about 1K of their cost for building a car was due to healthcare costs.

stevep

Boulder climber
Salt Lake, UT
Sep 10, 2012 - 10:23pm PT
The government isn't always worse at things, even healthcare. There are a fair number of studies/opinions that make a decent case that the best health care system in a number of ways is the VA.
sempervirens

climber
Sep 11, 2012 - 12:32am PT
And if the insurance companies all had to play by the same rules in terms of
coverage and delivery of services with a fixed profit margin set then all the
government would have to do is monitor the situation.

Reilly,
You present a potential solution that needs to be explored, IMO. It depends upon the government to regulate the industry. That's why I'm saying to cut the anti-gov ideology rhetoric- force and coercion, etc. The gov. already regulates the industry but does so in a way that gives us this inefficient system.

Ken M brings up a good point too. I searched Dr Ezekial Emanuel and his background and affiliations don't bring up any conflicts of interest. But the same is not true, IMO, about Obama. I don't trust Obama to put in place the best system for the country.

Ken M

Mountain climber
Los Angeles, Ca
Sep 11, 2012 - 12:54am PT
Unfortunately, dissing the government's ability to deliver healthcare is cogent
to the issue. Government does very little efficiently except collect taxes.
How else to explain the billions it/we are being bilked out of through fraudulent
Medicare payments? If private industry were in charge you can bet your
bippy they wouldn't be letting those billions fly out the window.


Uhhhh...nice try, but WRONG! Medicare is administered under contract CURRENTLY by fiscal intermediaries...which are INSURANCE COMPANIES.

Your friends don't seem to have any trouble letting the fraud through....
Ed Hartouni

Trad climber
Livermore, CA
Sep 11, 2012 - 12:56am PT
a pertinent Wikipedia article: http://en.wikipedia.org/wiki/Health_insurance_in_the_United_States

certainly an evolved system, not a designed one...

here's a history of Medicare: http://www.ssa.gov/history/corning.html
Reilly

Mountain climber
The Other Monrovia- CA
Sep 11, 2012 - 01:01am PT
Ken M, but it isn't their money, hence, no vested interest. Plus the government
is still failing in its oversight. Plus, pardon the thread drift, we both
know the absurdity of the coding system. You can't have a system that is
half guvmint and half private; that is half-assed.

Somebody said something in praise of the VA. I thank my stars I've not seen
the inside of one since the 70's, period. Not a pretty sight. They've got
to be better these days as they couldn't be worse.
Chaz

Trad climber
greater Boss Angeles area
Sep 11, 2012 - 01:06am PT
Dr Hartouni writes:

"certainly an evolved system, not a designed one..."

True that.

What's been proven to work better? Evolution? Or intelligent design?
Ken M

Mountain climber
Los Angeles, Ca
Sep 11, 2012 - 01:15am PT
I've posted this before, but it is still the best I've seen.

http://www.pbs.org/wgbh/pages/frontline/sickaroundtheworld/view/


In Sick Around the World, FRONTLINE teams up with veteran Washington Post foreign correspondent T.R. Reid to find out how five other capitalist democracies -- the United Kingdom, Japan, Germany, Taiwan and Switzerland -- deliver health care, and what the United States might learn from their successes and their failures.


Reid's first stop is the U.K., where the government-run National Health Service (NHS) is funded through taxes. "Every single person who's born in the U.K. will use the NHS," says Whittington Hospital CEO David Sloman, "and none of them will be presented a bill at any point during that time." Often dismissed in America as "socialized medicine," the NHS is now trying some free-market tactics like "pay-for-performance," where doctors are paid more if they get good results controlling chronic diseases like diabetes. And now patients can choose where they go for medical procedures, forcing hospitals to compete head to head.

While such initiatives have helped reduce waiting times for elective surgeries, Times of London health editor Nigel Hawkes thinks the NHS hasn't made enough progress. "We're now in a world in which people are much more demanding, and I think that the NHS is not very effective at delivering in that modern, market-orientated world."

Reid reports next from Japan, which boasts the second largest economy and the best health statistics in the world. The Japanese go to the doctor three times as often as Americans, have more than twice as many MRI scans, use more drugs, and spend more days in the hospital. Yet Japan spends about half as much on health care per capita as the United States.

One secret to Japan's success? By law, everyone must buy health insurance -- either through an employer or a community plan -- and, unlike in the U.S., insurers cannot turn down a patient for a pre-existing illness, nor are they allowed to make a profit.

Reid's journey then takes him to Germany, the country that invented the concept of a national health care system. For its 80 million people, Germany offers universal health care, including medical, dental, mental health, homeopathy and spa treatment. Professor Karl Lauterbach, a member of the German parliament, describes it as "a system where the rich pay for the poor and where the ill are covered by the healthy." As they do in Japan, medical providers must charge standard prices. This keeps costs down, but it also means physicians in Germany earn between half and two-thirds as much as their U.S. counterparts.

In the 1990s, Taiwan researched many health care systems before settling on one where the government collects the money and pays providers. But the delivery of health care is left to the market. Every person in Taiwan has a "smart card" containing all of his or her relevant health information, and bills are paid automatically. But the Taiwanese are spending too little to sustain their health care system, according to Princeton's Tsung-mei Cheng, who advised the Taiwanese government. "As we speak, the government is borrowing from banks to pay what there isn't enough to pay the providers," she told FRONTLINE.

Reid's last stop is Switzerland, a country which, like Taiwan, set out to reform a system that did not cover all its citizens. In 1994, a national referendum approved a law called LAMal ("the sickness"), which set up a universal health care system that, among other things, restricted insurance companies from making a profit on basic medical care. The Swiss example shows health care reform is possible, even in a highly capitalist country with powerful insurance and pharmaceutical companies.

Today, Swiss politicians from the right and left enthusiastically support universal health care. "Everybody has a right to health care," says Pascal Couchepin, the current president of Switzerland. "It is a profound need for people to be sure that if they are struck by destiny ... they can have a good health system."

Ed Hartouni

Trad climber
Livermore, CA
Sep 11, 2012 - 11:07am PT
What's been proven to work better? Evolution? Or intelligent design?

we haven't tried intelligent design, yet...
what is interesting is that there can be large changes in the "fitness landscape" when evolution is at work, and I have to say we will have evolution...

the extinction event of interest in this case is the independent physician, the very ideal that the AMA fought so vigorously to preserve in its staunch opposition to federal healthcare insurance. This is interesting because the economics of the private insurance health care eventually overwhelmed the docs. In the end, their fate was the one they most feared, the fate of having health care decisions made by non-physicians.

this is gleaned from that SSA sponsored history of Medicare, which is a very interesting read if any of you are of the mind that the debate is new... or that the tone of the debate is any different from the past.

in the end, we will evolve a system, no doubt.
BASE104

Social climber
An Oil Field
Sep 11, 2012 - 01:01pm PT
Ken M,

Everyone should hit Netflix or perhaps PBS online to watch that Frontline episode you mentioned:

Sick Around The World

Since every developed nation on the planet has government run or influenced healthcare laws, it really shines a light on the systems that work great like Switzerland and Japan (particularly Switzerland).

Some of the older systems aren't that great, but the nations who studied it well and used the efficient methods vs the ones that suck, have a really good record.

Switzerland is probably the best, but Japan is really innovative. Both have pretty much zero wait.

I wonder why nobody caught on to my previous post about my recent knee surgery cost. The hospital and docs billed around 100 grand, but the insurance company wrote off over half of it. Way over half. Then I paid my percentage.

Without that provider write off it would cost an uninsured person triple what my insurance company paid. Now that is fuc&ed up.

The whole notion that in America you can get in to see a specialist right away, or get an MRI right away is bogus. I have to get pre-approval for everything. It took me 6 weeks to get in for my first appointment with the ortho surgeon. I have been back three times for 10 minute look sees, and have only seen a PA once and a nurse the other 2 times.

So three follow up appointments that were ten minutes each, not seeing the doctor, and they bill me 210 dollars for each appointment. Now I have met my deductable, so it is cheap, but if I didn't have insurance I would be screwed.

No provider write off if you have no insurance. It would cost over triple what the insurance company pays. People, I have been watching my bills and it is very enlightening.
BASE104

Social climber
An Oil Field
Sep 11, 2012 - 01:14pm PT
The Swiss president who pushed through their system got voted out. She was liberal.

It has been ten or 12 years or so, and they interview the current president, who is a typical Swiss conservative. He was originally against it, but when asked what would happen if someone went bankrupt over health bills, he said it would be a national scandal.

Look. As disfunctional and corrupt as our congress is, these countries have far cheaper and better healthcare than the U.S. Period.

It is the insurance companies who run the show here, not the docs. Find me one doctor who likes insurance companies.

Switzerland made them non profit, but they still compete rabidly for business. Watch the show and it is pretty cool how they did it.
nutjob

Gym climber
Berkeley, CA
Topic Author's Reply - Sep 11, 2012 - 01:16pm PT
+1 for Ken M and Base104's suggestions.

Watching that video is what inspired me to start this thread.
BASE104

Social climber
An Oil Field
Sep 11, 2012 - 01:41pm PT
Japan is full of these smaller MRI machines that are much cheaper and very good for most procedures.

Here in the U.S., the machines are zillion dollar GE machines that cost millions. So you can get an MRI in Japan for an actual lower cost.

Really, nobody should even debate healthcare until you watch that Frontline piece. Frontline is not a partisan series. I remember them crucifying Clinton over Whitewater.

It is very well done and covers how to control costs. I think that Germany is the only one where doctors actually make less money. They interview some of the doctors and they are still rich. Just less rich.

This whole Come to Jesus moment that conservatives suddenly about faced, the tea party, is funded by the Koch Brothers. They are big libertarians, have been caught stealing oil from the Osage tribe, and are generally disliked by other oil companies.

I don't get any production checks from Koch these days.
Ken M

Mountain climber
Los Angeles, Ca
Sep 11, 2012 - 02:04pm PT
I think an MRI in Japan is something like $90.

sempervirens

climber
Sep 13, 2012 - 12:12am PT
Ken M, I think you'd be interested in the following re the question, "who wrote the Affordable Care Act".

Ezekial Emanuel is Rahm's brother - which gives him very significant ties to industry. He did not write the ACA. Liz Fowler, former Senior VP of Public Policy for WellPoint (one of the largest private health insurers in the US) left her job to oversee the process in the Senate Finance Committee (chair Max Baucus). She authored the white paper that outlined the bill in late 2008. The bill was shaped by 3 committees in the House and 2 in the Senate but as it went along it became more and more like the white paper that Fowler wrote. After the bill was signed into law, Obama appointed Fowler to the Dept of Health and Human Services to oversee the regulation process. Pretty heavy industry involvement.

Also, after the Supreme Court decision on the ACA which allowed states to opt out of the Medicaid expansion, WellPoit bought Amerigroup - the greatest private administrator of Medicaid. You can expect further privatization of Medicaid which will degrade it even further.

sempervirens

climber
Sep 13, 2012 - 11:18pm PT
Dr Ezekial Emanuel is a special adviser to Peter Orszag of OMB. He would like an even more market-based system than the ACA. For more info on Liz Fowler and a critique of the ACA, go to pnhp.org.

Or see Dr Margaret Flowers on the Bill Moyer show:
http://www.pbs.org/moyers/journal/02052010/profile3.html

Ken M

Mountain climber
Los Angeles, Ca
Sep 14, 2012 - 01:11am PT
I will say that you are posting some dated things regarding Zeke. I know him personally, and you'd not know a better doctor.

Here is a fascinating interview by Charlie Rose of the three Emanual brothers. Fascinating childhoods:

http://www.charlierose.com/view/interview/9130
Ghost

climber
A long way from where I started
Sep 14, 2012 - 01:18am PT
The title of this thread is "Healthcare debate in the USA."

Might as well be the title of a fantasy or SF novel, because there is really no possibility of a debate on this subject in the US. As far as I can tell, when it comes to healthcare, there are two groups of people in the US. One group of people says "We've got a problem here, how can we fix it?" The other group says: "No way I'm going to listen to you f*#king communists!"

How is debate possible?
HighDesertDJ

Trad climber
Sep 14, 2012 - 01:24am PT
Ken M said
I think an MRI in Japan is something like $90

An MRI in the States only costs about $300-$350 if you go to an imaging place that only does MRIs. The added costs come when you get an MRI at a hospital that has to pay for all the other things that don't get reimbursed because people either have no insurance, are under-insured or have insurance (especially medicare/medicaid) that doesn't reimburse for the full costs of things.
EdwardT

Trad climber
Retired
Mar 6, 2018 - 07:15am PT
Thirty years ago, I was in a bad accident. Lots on internal bleeding. Ruptured spleen. Lacerated liver and stomach. Good times. My stay in the first hospital was two weeks. The bill for all of it (ambulance, ER, OR, CAT, MRI, "lodging" etc.) was $8000.

Back in the Fall, I had a work related injury. I'm confident workers comp will pay all related expenses. The following isn't about me, as much as it's about WHAT THE HELL IS GOING ON IN THE HEALTHCARE INDUSTRY???

In January, I had outpatient back surgery. A little arthroscopic procedure, removing excess scar tissue. I was at the hospital for about 6 hours. Time in the OR - less than 90 minutes. Yesterday, I received a bill from the hospital. I've already gotten separate bills from the neurosurgeon, anesthesiologist, etc. This was for just the hospital providing a facility and some basic care.

The bill is for $53,900.00!!!

Seriously, **What The F*#k?**

I've been critical of universal healthcare in the past. But this level of overcharging is obscene. The bill shows an "adjustment" of $26,900, cutting the balance due by 50%, as if that's reasonable. Even though this is the first bill for this expense, it's due (or past due) in two weeks. It's all so wrong!
dirtbag

climber
Mar 6, 2018 - 07:49am PT

I've been critical of universal healthcare in the past. But this level of overcharging is obscene. The bill shows an "adjustment" of $26,900, cutting the balance due by 50%, as if that's reasonable. Even though this is the first bill for this expense, it's due (or past due) in two weeks. It's all so wrong!

Oh, sh#t...sorry, man!
WyoRockMan

climber
Grizzlyville, WY
Mar 6, 2018 - 08:45am PT
Our healthcare system has so much potential with tons of great science and technology.

The way we deliver it is stooopid.

My wife was pretty impressed that I delayed my care a bit, hoping it would "just go away" and I could save a few bucks.
Fritz

Social climber
Choss Creek, ID
Mar 6, 2018 - 09:15am PT
T Hocking! I like the Harvard Review article you link to.

Here's its summary:

There is, thus, plenty of evidence that not only does universal healthcare powerfully enhance the health of people, its rewards go well beyond health. There is, indeed, a strong relationship between health and economic performance, and we have every reason to base public policy on a proper understanding of the nature and reach of what is clearly a positive interdependence. There is no mystery in all this given the centrality of health for better lives and for enhancing human capabilities.

My "elective" outpatient knee surgery last October, that fixed a torn meniscus & removed a piece of bone & some "junk", went quite well & I am all but recovered. Sure glad I have both Medicare & supplemental Blue Cross Insurance, since the doctor & facility fees totaled $30,921.93 & my final cost was just my time & mileage.

Of course those Medicare benefits may not be there soon, if the Republicans in Congress have their way, with hacking that program to pieces. Another very-good reason to vote & to vote Democratic this fall.

August West

Trad climber
Where the wind blows strange
Mar 6, 2018 - 11:27am PT
In January, I had outpatient back surgery. I was at the hospital for about 6 hours. Time in the OR - less than 90 minutes. Yesterday, I received a bill from the hospital. I've already gotten separate bills from the neurosurgeon, anesthesiologist, etc. This was for just the hospital providing a facility and some basic care.

The bill is for $53,900.00!!!

Sounds cheap to me. My surgery of comparable length was over $100,000. The 15 minute helicopter ride was ~$15,000 just by itself.





Yes, I realize outpatient isn't the same as ICU, but still... The $100,000 surgery bill was separate from the charges for being in the ICU unit. And somehow the ICU charges did not cover my overnight stay in the hospital, nor the nursing charges, nor the pain medication charges, nor the, I could go on and on...
EdwardT

Trad climber
Retired
Mar 6, 2018 - 11:46am PT
Sounds cheap to me. My surgery of comparable length was over $100,000. The 15 minute helicopter ride was ~$15,000 just by itself.

I didn't intend for this to be a competition. Just wanted to pass along an example of healthcare industry extremism.
August West

Trad climber
Where the wind blows strange
Mar 7, 2018 - 01:58pm PT
I didn't intend for this to be a competition. Just wanted to pass along an example of healthcare industry extremism.

I'm just being snarky.

And maybe a little bitter about how screwed up the US health care system is.

The good news is that I found out my health insurance at the time did cover climbing accidents. Up until that point, I wasn't 100% sure.

The other thing that was most disappointing: after the initial surgery, I had lots of expensive doctor visits and follow ups that accomplished nothing. They reviewed everything and sent me on my way. If something was going wrong, they might have caught it so the precautionary element was probably worth something. But in retrospect, not needed.

The only thing that did improve my situation was physical therapy, which was hard as hell to get the insurance to pay for more than 10 visits. The place I went had 4 physical therapists. It had two full time secretaries who appeared to be spending 90% of their time on the phone with insurance companies. One receptionists/secretary for 2 PTs. As Trump would say, Sad.

Cheers.
Ken M

Mountain climber
Los Angeles, Ca
Mar 7, 2018 - 04:05pm PT
and doctors are protesting for higher wages and better working conditions

But you can't blame the Canadian doctors:

https://www.washingtonpost.com/news/worldviews/wp/2018/03/07/hundreds-of-canadian-doctors-demand-lower-salaries/
Ken M

Mountain climber
Los Angeles, Ca
Mar 7, 2018 - 04:26pm PT
One thing I haven't seen talked about, is what you can get rid of, if you enact Medicare for all:

Automobile Medpay
Veterans Administration
Work Comp medpay
Union insurance

Lawsuits for the purpose of finding fault to get medical coverage

And usually unaccounted costs: the legal costs of pursuing personal injury, the inflated fake medical care associated with that, the legal costs of Work Comp, the gov't costs of providing courtrooms, etc, to adjudicate such cases.

This stuff costs A LOT
Ken M

Mountain climber
Los Angeles, Ca
Mar 7, 2018 - 04:32pm PT
Xcon (Con is right), you missed mentioning Nancy Pelosi and Benghazi, too.

As usual, you are highlighting the successes, and why you oppose it.

It seems pretty clear that we can't make the transition to Medicare for all, politically, unless it is done by shoving it down a lot of people's throats.

The key is "transition". For 100 years, Presidents of both parties have been trying to enact universal healthcare of some form. Obama largely succeeded, but with a system that he barely got by, and which has the many problems of a "partway" solution.

We need to take the next step, and that is probably not trying to force Medicare through, for which there is probably not sufficient support.

So----try to make things better, or just wait?
hooblie

climber
from out where the anecdotes roam
Mar 7, 2018 - 08:35pm PT
what you can get rid of, if you enact Medicare

how about landmark skyscrapers throughout the country buzzing with frenzied coverage deny-ers. insurance companies are the pyramid builders of our time
MarkWestman

Trad climber
Talkeetna, Alaska
Mar 7, 2018 - 09:07pm PT
I'm (so far) one of the lucky participants in the criminal enterprise that is our health "insurance" system. Lucky, in that I qualify for the ACA subsidies and can actually afford coverage. Without it, the policy my wife and I have would cost $2,000/month, for a plan with a $5,250 deductible and a $6,500 out of pocket limit (the latter of which I hit every year). That's the cheapest plan available in the state of Alaska.

This may sound like a crummy plan, but considering that I've accrued nearly $440,000 in medical bills for cancer treatment over the past 22 months, and the insurance company isn't allowed to deny any procedures (btw thanks Obama...no really- thanks.), it seems like a steal, and I can manage that out of pocket expense, inconvenient as it might be.

Nonetheless...the fact that so many people (who make slightly more money than I) do not qualify for the subsidies and cannot afford coverage is a travesty, especially in consideration of the outrageous cost of medical treatment for pretty much everything.

I don't pretend to know what the best system might be, but what we have now is not it, and I say this in spite of the fact that I'm benefiting from it. The greater interests of society are not served in any capacity when so many people are unable to afford the care that they need, and when insurance companies serve as a profit-driven middle man to which our congressional leaders (of both parties) are beholden to serving.
dirtbag

climber
Mar 8, 2018 - 07:57am PT
Right now, the #1 priority should be to flip the legislature and save our republic from president trump and an acquiescent congress. Until that happens, followed by replacement of him as executive, everything else is a pipe dream.
dirtbag

climber
Mar 8, 2018 - 09:24am PT
Well that’s slightly different from what I’m saying. But I would advocate supporting the most progressive electable candidate in each race. In many areas—such as the south— that would mean supporting a fairly conservative Democrat (e.g. Joe Manchin in West Virginia). Right now, with the rule of law being threatened, I don’t think the party has the luxury of stretching its wings ideologically.
dirtbag

climber
Mar 8, 2018 - 03:42pm PT
Luxury. Pie in the sky. Won’t happen until our government rights itself, at least 3 years from now.

Edit: and I say that wishing we could have policy discussions about healthcare and other important issues. But right now, we simply need to exercise damage control and keep the ship from sinking.
Yury

Mountain climber
T.O.
Mar 9, 2018 - 07:35pm PT
Thank you guys/girls for an enlightening and (mostly) civil discussion. Quite a few interesting facts were discussed and quite a few good ideas were proposed.

Unfortunately many of you have distorted perception of Canadian Health Care system.
So I take liberty to clarify some misconception.

Jody:
Canadian teaching institutions do not produce enough physicians to meet demands …
At least in Ontario College of Surgeons and Physicians (it’s a doctors’ trade union) has a major say in how many new doctors are required. They do not want to overproduce doctors to have a guaranteed pay. As soon as a certain percent of freshly minted doctors “unexpectedly” emigrates to greener pastures down there we have doctors’ shortage.

OK, this case need some details.
This did happen in Quebec.
In this particular case overworked doctors asked to hire more doctors by their hospital (to decrease their workload) instead of a nominal pay increase.

Norton:
single payer Medicare has overhead costs of about 2%,
private plans keep as much as 50% to pay out in profits
Actually in Canada “Administrative cost” is 6% while in the US it’s 19%.
Recently I read an article on health care and these numbers are still fresh in my memory (I apologize I do not remember the source).
It means that US health care system can’t be fixed by only eliminating private insurance companies.
A problem of obscene hospital prices should be also addressed.
I still remember from my BCBS training, that doctors’ offices are responsible for largest portion of fraud (the same as in Canada).

Ken M:
most Canadians who are immensely proud of their health care system.
Yes, propaganda departments are very good up here.
As a result many young Canadians believe that we have a superior Health Care system.
At the same time people of my age (who acquired some real life experience with this system) are envious of what you have down there.

~kief~:
>>>>health care in the US has become a world wide laughing stock.
remember michael moores sicko?
Sicko is just propaganda by clueless (?) Michael Moore.
More than 50% of US population have access to Health Care that is envy to an average Canadian with real health issues.

Reilly:
Plus, pardon the thread drift, we both know the absurdity of the coding system.
Such coding system is used in all single payer countries, including Canada.
I am not familiar with another effective way to fight price gauging.

Reilly:
Somebody said something in praise of the VA. I thank my stars I've not seen
the inside of one since the 70's, period. Not a pretty sight. They've got
to be better these days as they couldn't be worse.
You need to pay more attention to VA.
Among all US healthcare programs, VA probably is the most similar to what we have in Canada.
Yes, similar to VA, healthcare in Canada is not getting better.
You can extrapolate current VA state to 10 to 20 years into the future to understand what you should expect from coming US single payer system.
Yury

Mountain climber
T.O.
Mar 9, 2018 - 08:20pm PT
Moosedrool:
But, I agree that the high cost of medical insurance is mostly caused by overpriced health services and medications.
One more cause is unnecessary tests and procedures.
On a healthcare forum I started reading a few years ago:
- typical American concern is about unneeded tests and procedures,
- typical Canadian concern is about waiting time and ability to get access to some new expensive procedures, that were not either approved or fully rolled out in Canada.

You can't have all three:
- good
- fast
- cheap
Bad Climber

Trad climber
The Lawless Border Regions
Mar 8, 2019 - 11:35am PT
Ugh. This conversation freaks me out. Thanks for the info, Yuri. I've heard stories of horrific wait times at the VA, and if Canada is similar, that's not a path we want to go down. Now, my wife is on Medicare with a supplemental program, which is quite affordable. We take care of ourselves and have been lucky, which matters. "Medicare for all" would be okay if we could afford it--but that seems like a stretch. It reimburses below cost so doctors/hospitals have to make up the difference somewhere else. Since our legislators are all sniveling cowards re. federal deficit/debt, don't expect any healthcare miracles soon.

For your reading pleasure:

https://americaoffbalance.org/

We have some extraordinarily serious and painful work to do re. spending. I see almost no one with the courage to take it on.

BAd
Reilly

Mountain climber
The Other Monrovia- CA
Mar 8, 2019 - 11:42am PT
My brother-in-law in Canada has been going through a Dante’s Inferno of procrastination and outright incompetence for 6 months with no end in sight. A dog gets treated faster and better in the US, if he can afford it. Further complicating my bro-in-law’s probs is a bureaucratic nightmare engendered by Transport Canada and his employer, a certain large Canadian airline. Every move is a Catch-22. Unbelievable.
Ken M

Mountain climber
Los Angeles, Ca
Mar 8, 2019 - 11:43am PT
Bad, although I've heard it said that Medicare reimbursement is less than cost, it assuredly is not the case. I know a variety of doctors who essentially make all of their income from Medicare (Geriatrics, for example), and they do quite well.
August West

Trad climber
Where the wind blows strange
Mar 8, 2019 - 02:30pm PT
On a healthcare forum I started reading a few years ago:
 typical American concern is about unneeded tests and procedures,
 typical Canadian concern is about waiting time and ability to get access to some new expensive procedures, that were not either approved or fully rolled out in Canada.

It's not like the US doesn't have waiting times. A personal anecdote that is probably typical:

I went to my doctor with back pains. (Getting into my doctor only took 2 days.) Based on my description, the doctor thought there was a small chance it was a super serious condition that might need surgery like yesterday. Getting an appointment with the specialist, for a possible emergency situation took 6 weeks (which was about 6 weeks faster than a 'normal' appointment). He saw me and ordered some tests. Getting the test done took 3 weeks. Seeing the specialists after getting the test took another 4 weeks or so.

So for this 'rush' scenario, it took 13 weeks to see the specialists with test results in hand. I'm sure there are places in the world that might have taken longer, but when people say that other countries have waiting times, I roll my eyes...

And it isn't like US health insurance automatically pays for every new procedure/medicine. Again, it may be quicker than some places, but there are lots of fights and sick people waiting around for approvals from insurance companies.
Bad Climber

Trad climber
The Lawless Border Regions
Mar 8, 2019 - 05:46pm PT
True dat, August.

Bad
wilbeer

Mountain climber
Terence Wilson greeneck alleghenys,ny,
Mar 8, 2019 - 06:11pm PT
Dirtbag,how long are you and the pantsuit Democrats going to keep saying that ,really?

Yeah ,we will wait.

Maybe after the next trillion(look up trillion some time) dollar endless war.

Or ,maybe after the next trillion dollar tax cut to ,you guessed it,the richest people in our country.


Pie in the sky ,for sure.


And Reilly for every Canadien you know with problems with their HC,I know at least 50 with no problems at all. You are FOS.

Not sorry.
rottingjohnny

Sport climber
Sands Motel , Las Vegas
Mar 8, 2019 - 06:33pm PT
In America’s health care insurance system the people that have good genetics or take care of themselves end up paying more to cover the people in the high risk sector . These healthier people are charged more to help cushion private health insurers losses . This is a form of socialism that benefits corporations . Venezuela !
Reilly

Mountain climber
The Other Monrovia- CA
Mar 8, 2019 - 06:36pm PT
HaHaHa, BeerBoy. Look, moron, everyone in my family is either a nurse, nurse practioner, doctor, or pilot. I got the flyboy side covered and I take the word of those on the med side. Yer punching way above yer weight class. And regardless of the ineptitude the foot dragging is indisputable. He lives in Ontario but he is based in British Columbia. He has docs in both provinces but they act like he is a furriner - they absolutely refuse to cooperate. And the insanity of the Transport Canada bureaucracy defies belief, not that I’m deluded enough to expect you to either believe it or understand it.
Treezypoof

Trad climber
Cyberia
Mar 8, 2019 - 07:08pm PT
Oh sh#t, Wilbeer

He’s going to call vinnie as soon as he’s done ordering a new car right from the factory and enjoying a glass of the finest Cabernet with his broker.
Treezypoof

Trad climber
Cyberia
Mar 8, 2019 - 11:22pm PT
Another 27 bucks sent to Bernie just now in honor of your delusional pompous nonsense.

Can't you just ride out your last bit of time without actively f*#king those of us and our loved ones that have a bunch of time left to survive while we clean up the mess you've made of just about everything.

I know you're in a tough spot with the wife but you don't get a break for this jackassery.

So you've got a questionable anecdote that "proves" the narrowminded talking points that you've fallen for hook, line, and sinker?

Pound sand.

Thanks to everyone who's able to look at this issue beyond the damn dollars in the stock market and see the humans.
wilbeer

Mountain climber
Terence Wilson greeneck alleghenys,ny,
Mar 9, 2019 - 06:38am PT
Yesir^^^^

My good friend,Alex Riley,bought a new V 60 Crossover,he was driving it home from the dealer,Best Motors,when the drivers side back wheel fell off and he barely averted going in the ditch. Loose lug nuts on new aluminum wheels.That never happens.



Volvo’s Suck.


One has to have higher than a 9th grade education to see what I did there.


Yeah, I am lowly and below your pay grade,for sure.
Bad Climber

Trad climber
The Lawless Border Regions
Mar 9, 2019 - 07:28am PT
Okay, Canadians, where can we get the straight scoop on what it's like to get healthcare in the Frozen North? I'm a huge fan of your chilly country and would love to know how bad or good you have it. We're getting a lot of contradictory reporting here!

BAd
tooth

Trad climber
B.C.
Mar 9, 2019 - 07:51am PT
Our healthcare in Canada is like your firemen in the USA.

When you have a housefire- the firemen (which you American socialists publicly fund) come and put the fire out.

NEXT

you use your house insurance/cash to rebuild the house.



In Canada, we have healthcare to put out our fires.

NEXT, we use cash/private medical insurance to 'rebuild the house'. We can choose from clinics/hospitals in Canada
USA or Venezuela to do so.



It is equivalent to a safety net.



In the US you are missing the safety net - and effective tax rate for me as a dentist in both countries was the same.

And now your government is trying to get you to use private, parasitic, for-profit companies with CEO middlemen who make 12MM Christmas bonuses to say that they have public healthcare as a country. It seems to be the dumbest thing to me. This isn't the hospitals, teaching facilities or research facilities (all different entities and not a result of your healthcare system). It is a middle layer that parasitically sucks up money and I cannot see how you could make it work without incurring a much larger cost per person than our system that doesn't have that middle layer.

Treezypoof

Trad climber
Cyberia
Mar 9, 2019 - 08:05am PT
We can burn the whole thing down and make something better than exists anywhere.

We're coming for the CEOs.

The actual costs of a 2 hour outpatient surgery is not 30 grand.

It's going to take bravery and new thinking.
tooth

Trad climber
B.C.
Mar 9, 2019 - 08:11am PT
Americans used to be really good at that kind of thinking and acting. It would be nice to see it make a resurgence/comeback.
Degaine

climber
Mar 9, 2019 - 08:12am PT
Mark Westman wrote:
I don't pretend to know what the best system might be,


Currently it's France's healthcare system. The World Health Organization has rated it the top system several times. When you take cost, outcomes, access, etc., it beats the system in the USA hands down. Other systems in Western Europe such as Germany, Switzerland, etc., are right up there.

Mark Westman wrote:
The greater interests of society are not served in any capacity when so many people are unable to afford the care that they need, and when insurance companies serve as a profit-driven middle man to which our congressional leaders (of both parties) are beholden to serving.


Indeed. But don't forget providers in all of this. Americans are getting bilked by insurance companies AND providers.

Healthcare per capita in the USA costs twice as much as countries like France or Germany (and a couple years ago it was 3 times as Japan), and in those countries everyone is covered.
Robb

Social climber
Cat Box
Mar 9, 2019 - 08:13am PT
Amongst other questions I have, how do we transition to a more effective health care system? Anyone?
tooth

Trad climber
B.C.
Mar 9, 2019 - 08:20am PT
Outlaw lobbyists in your government as the first step. Until the billionaire parasites have no say, the rest of you have no chance.
Robb

Social climber
Cat Box
Mar 9, 2019 - 08:27am PT
Last time I checked money and power doesn't outlaw money and power. Seriously, I've heard all the yapping about it for years now, but in realistic terms what change(s) can/should be made for the System to transition?
Treezypoof

Trad climber
Cyberia
Mar 9, 2019 - 08:49am PT
A good start is not throwing up our hands in defeat.

Voting for someone brave enough to actually tackle the issue.

Then they do the work to assemble the best and brightest to come up with ideas and the courage to implement them.

Like landing a man on the moon or developing a super weapon capable of vaporizing entire populations.
rottingjohnny

Sport climber
Sands Motel , Las Vegas
Mar 9, 2019 - 08:59am PT
What happen to Trump’s bigger , better , cheaper health plan that he promised the American people ?
Treezypoof

Trad climber
Cyberia
Mar 9, 2019 - 09:06am PT
Someone pointed out that most people don't really have room for a free tanning bed, so he gave up.

Then he fired that person.
tooth

Trad climber
B.C.
Mar 9, 2019 - 09:34am PT
Well then you’re screwed.
Robb

Social climber
Cat Box
Mar 9, 2019 - 09:41am PT
"Well then you’re screwed."

Not entirely, at least not yet. We have a mixed system of provision, that is some private (for profit so to speak) and some government. How do we move towards getting more, and better health care to our citizens?
tooth

Trad climber
B.C.
Mar 9, 2019 - 10:07am PT
You can't move toward a goal unless you define what the end point of that goal looks like.

Moving toward better is a poor plan because almost anything could be a move toward better, even a move that people don't like or that inconveniences people or harms them or leaves them hanging without healthcare or money.


If everyone agrees on and chooses an end goal, then a path or course of action can be chosen and all the actions can be justified. Some people will have to take one for the team and without agreement on a better future, that won't be socially acceptable.


Without an end goal, random actions that can be taken right now, or just started with in the mean time probably won't be very useful or helpful in the big picture as they won't be anything but feel-good moves to garner votes.
Bad Climber

Trad climber
The Lawless Border Regions
Mar 9, 2019 - 10:10am PT
Thanks, Tooth. Yeah, the insurance middle men/women/trans/bi/non-bi/questioning/gay/lesbian's in control are a huge part of the problem--maybe THE problem, although much blame goes to lawyers and fraudsters as well.

BAd
tooth

Trad climber
B.C.
Mar 9, 2019 - 10:11am PT
What is the best healthcare plan for a country?



1. Everyone has access to unlimited care and taxes increase proportional to cost? (Socialism?)

2. Safety net care with options for more (Canada and most developed countries)

3. Gov't health savings account which you can use for retirement if you keep yourself healthy and out of accidents, or supplement if you are addicted to twinkies and a sedentary lifestyle.

4. Government mandated participation with middle-men for profit corporations who then pay hospitals (ObamaCare)




In all of it, should insurance companies be involved at all? Need they if the government is paying for this with taxes?

Did I miss any?
rottingjohnny

Sport climber
Sands Motel , Las Vegas
Mar 9, 2019 - 10:49am PT
Not having access to affordable tanning beds is the epitome of death panels .
Treezypoof

Trad climber
Cyberia
Mar 9, 2019 - 10:52am PT
Well, the potentially assembled think tanks and working groups I was referring to would likely include 0 supertopo posters, myself included.

Folks that are so self consumed and propaganda poisoned that they feel compelled to take jabs at people they don’t understand in totally unrelated discussions will definitely not be helping.

I’m out for today

To be clear, I'm referring to BC's dig at different partner preferances. Trump is always fair game, he brings that on himself, much like Reilly.

Trans queer stuff makes me uncomfortable too to be honest. But I realize they are also real humans that just want to be healthy and happy like the rest of us.
wilbeer

Mountain climber
Terence Wilson greeneck alleghenys,ny,
Mar 9, 2019 - 06:54pm PT
Good posts up there Tooth.
TLP

climber
Mar 9, 2019 - 07:49pm PT
Genuine improvements to the US health care system will happen only if political and ideological considerations are set to the side and there is focus on pragmatic improvements. Even that way, there are two opposite approaches: 1) identify a desired set of future conditions (see immediately above); or 2) identify major flaws and try to remove them one by one. Some combination of these approaches may work. But no matter what, it's really difficult because there is so incredibly much money at stake that some entity or group with trillions of dollars at issue either wants things to stay the same or wants them to change.

Here are some thoughts about approach #2: the whole thing started to go seriously awry when insurance changed from insurance to total health care coverage. Consider auto insurance which you pay a modest amount for and use very rarely or preferably never, and it mostly covers just some unusual event (unusual meaning it happens only once in a few or many years). Maybe it's just a coincidence in time, but if health insurance was truly just insurance against a major injury or illness threatening life or limb, and not something that's involved for every little thing, it would be easier to administer for sure. Not sure how to unwind that, but that's one problem. If you just paid out of pocket for relatively minor stuff, and for those who could not afford even that, some public clinics or something was available, and people could know in advance what things cost, including all the unannounced costs, it would be better. Yes, I mean a two tier system but we already have a two or three tier system, this would not be functionally very different.

On the other side, it is proven not to work well - meaning that just about everyone hates it - that hospitals must provide emergency care to anyone that walks in off the street. This is incredibly economically inefficient and bad for every single party involved: those walk-ins, the hospital, the insurance companies, and the public who ultimately pay for EVERYTHING. There needs to be a way that walk-ins for conditions that would not otherwise merit emergency room attention can be rerouted to some other appropriate care methodology.

And as many posters have noted, the listed costs are truly absurd. A partial solution to this has begun, in the requirement that hospitals make their charges known, but as it stands right now it is just barely baby steps on a journey across the cosmos. Cost control is a major point. The only way a supposedly "free market" competitive system for anything works is if you have semi-informed consumers and multiple alternatives. We don't have either right now.

Flame away!
Bad Climber

Trad climber
The Lawless Border Regions
Mar 9, 2019 - 08:34pm PT
To clarify, I was just spoofing on political correctness. If I say "middle men," which is the default expression, I've left out women, but now, of course, that's being too binary, sooooo....I decided to hit all (most?) of the bases. We live in complicated times. Face Book, for example, has taken to using the plural "their" in all singular references, which drives me, frankly, a bit over the edge. Since we can no longer say "He is going to the park," because that would presume gender identity, we must now write, "They is going to the park," if we want to stay singular. If we keep the subject/noun relationship standard, which has all sorts of value, we would have to write, "They are going to the park," and suddenly confusion reigns.

Sorry, back to your regularly scheduled healthcare discussion....

BAd
Treezypoof

Trad climber
Cyberia
Mar 9, 2019 - 08:43pm PT
Roger that. I apologize for misinterpreting your intentions.

Like I said, it's hard for me to understand also.
i-b-goB

Social climber
Nutty
Mar 10, 2019 - 08:06am PT
Single payer death care, will turn into the fast food style health care with minimum wage doctors. It will end up that if you have something bad and need a major procedure,
you will get your appointment for nine months later and when that date arrives they will have to cancel!
Those who push this on us should have to use it themselves and not get their elite care!

capseeboy

Social climber
portland, oregon
Mar 10, 2019 - 09:31am PT
Outlaw lobbyists in your government as the first step. Until the billionaire parasites have no say, the rest of you have no chance.
My dad was bitching 60 years ago about lobbyist and lawyers in control---same as it ever was.

Then they do the work to assemble the best and brightest to come up with ideas and the courage to implement them.
The best and brightest are corrupted from an early age onward by those with $$$ and power---want a piece of candy lil boy/girl?

3. Gov't health savings account which you can use for retirement if you keep yourself healthy and out of accidents, or supplement if you are addicted to twinkies and a sedentary lifestyle.
I think this is called medicare, which, like soc security, will soon be bankrupt, if not already. Pension plans don't exist for most, shady 401k stuff does--read the small print--financial investing. Many, or most, civil service pensions are bankrupt too--small print again, taxpayers are miffed to make up difference of shady financial investments...again.

1. Everyone has access to unlimited care and taxes increase proportional to cost? (Socialism?)
Some states already do this. If you are below a certain income you get free health coverage. It's less expensive in the long run to keep peeps healthy.

4. Government mandated participation with middle-men for profit corporations who then pay hospitals (ObamaCare)
Get rid of the middle man. I have no number to plug in here, I'm guessing millions are afraid/brainwashed into thinking that collective government administered health care is communism/socialism. They don't understand that many services are already operating under a quasi-capitolist-socialist structure and that we would have a total nightmare w/o any social/collective infra structure. IOW they just don't get it; hence, hold onto predatory Insurance.

Every state has it's own regulatory body regulating insurance. Your insurance will not cover you in another state. Why is it so?

The so-called system will soon implode under a tidal wave of geezers, incl myself, who are no longer productive. This will be further exacerbated by the millennial's being replaced with AI and Bots.

Edit include quasi cap-soc
Kalimon

Social climber
Ridgway, CO
Mar 26, 2019 - 10:48pm PT
Trump is coming for your Obamacare . . . the fat bastard is newly energized. You really think his handlers give a f*#k about your well being?

Heaven help the fool.
Sierra Ledge Rat

Mountain climber
Old and Broken Down in Appalachia
Mar 27, 2019 - 03:09am PT
Trump is now stating that one of his 2020 campaign promises is to repeal Obamacare in its entirely.

Say goodbye to your health insurance - and your life savings.
August West

Trad climber
Where the wind blows strange
Mar 27, 2019 - 10:37am PT
^^^

And we know that Trump has a %100 record on keeping his promises...


I don't think it is all doom and gloom that Trump is making the repeal of Obama Care a central piece of his re-election.

Health Care hurt Republicans in the House mid-terms. The only people cheering on the repeal of Obama Care are already Trump voters. Sure, he needs to fire up his base to get out the vote, but I see this hurting Trump more than helping him.
dirtbag

climber
Mar 27, 2019 - 10:43am PT
^^^it’s 2018 all over again, except this time with the president’s own justice department gunning for the ACA, and some right wing justices deciding the case, the stakes are clearer.

I am sometimes relieved they are so incompetent.
apogee

climber
Technically expert, safe belayer, can lead if easy
Mar 27, 2019 - 10:46am PT
AG Barr didn't support the idea of pursuing the lower court's ruling on wiping out the ACA. Now he's supposed to be driving the DOJ's role in overturning? I laugh robustly.
apogee

climber
Technically expert, safe belayer, can lead if easy
Mar 27, 2019 - 10:55am PT
"Sure, he needs to fire up his base to get out the vote, but I see this hurting Trump more than helping him."


Yes, this. Earlier in his administration, I'd look at such discombobulated political strategies and think maybe Trump is playing some kind of three dimensional chess and his peeps know something the rest of us don't know. Nowadays, I feel a lot more confident his strategies are just plain imbecilic. Like dirt said, his incompetence and disorganization is the savior of our Country.
WyoRockMan

climber
Grizzlyville, WY
Mar 27, 2019 - 12:07pm PT
Advance copy of the GOP's replacement for the ACA:
"





































































.











































































































































.









































































































































."
10b4me

Social climber
Lida Junction
Mar 27, 2019 - 12:26pm PT
When those coal miners can no longer get treated for black lung disease. . . . . .
StahlBro

Trad climber
San Diego, CA
Mar 27, 2019 - 01:32pm PT
The pure racist spite that is driving the dissolution of the ACA, with no replacement, is sickening to watch.
dirtbag

climber
Mar 27, 2019 - 02:08pm PT
But he sure is stickin’ it to the libs, praise be.
Norton

climber
The Wastelands
Mar 27, 2019 - 02:33pm PT
Being retired and having nothing better to do, I have read the 4000 page ACA twice

Summaries mention the life saving benefits of guaranteeing coverage for preexisting conditions and the Medicaid expansion covering some 15 million Americans

but another really nice feature of the ACA is that it mandates that all insurance companies must spend at least 85% of their premium income on, gasp, healthcare

prior to the implementation of the ACA each state insurance regulators set the percentage and it varied from state to state

so for example a state like Wyoming said that only 50% had to be spent of each insurance companies patients and the other 50% could be kept as "administrative"
or in real world terms, pure profit going the shareholders

as of now, many billions of dollars have already been refunded to people because their health insurance companies have been keeping too much for profit

all this goes away of course if Trump and his Republicans get their way

apogee

climber
Technically expert, safe belayer, can lead if easy
Mar 27, 2019 - 04:31pm PT
This could be the issue that saves MSNBC.
Sierra Ledge Rat

Mountain climber
Old and Broken Down in Appalachia
Mar 27, 2019 - 05:42pm PT
Trump held a press conference, stated that, "We, the Republicans, will be the party of great healthcare."

Trump made the unprecedent move to direct the Department of Justice to attack the Affordable Care Act directly, seeking a repeal of the entire law in its entirety.

Pence countered - basically saying, "Hey wait a minute, the Republicans don't have any back-up plan in case the courts repeal Obamacare."

Trump says that as soon as Obamacare is repealed, "the Republicans will introduce great legislation" to take the place of Obamacare.

For 2 years, the Republicans tried and failed to develop a new healthcare plan when they controlled the White House, the House, and the Senate.

Trumps supporters are hailing his announcement with frantic support.

One day Trump says that he wants to repeal protections for pre-existing conditions. The next day he says that he will protect people with pre-existing conditions. Which Trump do you believe?

Lorenzo

Trad climber
Portland Oregon
Mar 27, 2019 - 05:44pm PT
My fervent hope is that republicans and the tea party kill the health care there is.

It will send them into history along with the Whigs and the Know nothing party.
JLP

Social climber
The internet
Mar 27, 2019 - 05:56pm PT
700 billion in taxpayer subsidies is no fuking bullsh!t.

I pay about 4x as much money every damn paycheck for other people’s healthcare as I pay for my own.

From what I see, most of that money pays for greed between the hospitals and drug companies.

Fuk all you all, IMO.
EdwardT

Trad climber
Retired
Mar 27, 2019 - 06:13pm PT
Thanks Norton. Interesting facts.

Without resorting to Trump bashing, can someone explain what the Republicans are saying the benefits are with Obamacare repealed?

I get the whole theoretical free-market aspects. But we had those back before the ACA. And the healthcare was an ongoing clusterf*ck.

Looking at France's system, it seems to be better than everyone else. Mostly socialized medicine, with options.

Is this repeal primarily big pharma and hospital networks shafting the masses for their bottom lines?
apogee

climber
Technically expert, safe belayer, can lead if easy
Mar 27, 2019 - 06:22pm PT
"...what the Republicans are saying the benefits are with Obamacare repealed?"

You got me there. No freakin' idea, whatsoever.
rottingjohnny

Sport climber
Sands Motel , Las Vegas
Mar 27, 2019 - 06:29pm PT
But Obama said I could keep my own doctor...
Ken M

Mountain climber
Los Angeles, Ca
Mar 27, 2019 - 06:43pm PT
Without resorting to Trump bashing, can someone explain what the Republicans are saying the benefits are with Obamacare repealed?

The elimination of a social safety net, particularly associated with Dems, and ESPECIALLY named after a black democratic man
apogee

climber
Technically expert, safe belayer, can lead if easy
Mar 27, 2019 - 06:57pm PT
"Why not be a little patient and see what the Republicans have to offer?"

rottingjohnny

Sport climber
Sands Motel , Las Vegas
Mar 27, 2019 - 07:00pm PT
Be patient ? You’re joking right ?
Ken M

Mountain climber
Los Angeles, Ca
Mar 27, 2019 - 07:07pm PT
Why not be a little patient and see what the Republicans have to offer?

Can't be any worse than what we have been saddled with to date.

A little patient? America has waited 100 years for it's leadership to actually put in place it's stated desire for universal healthcare. How long you want to wait? Something that was a big item for Nixon, and for Reagan.

Can't be any worse? You have no imagination, and more important, no knowledge. Let's bring back pre-existing conditions.
healyje

Trad climber
Portland, Oregon
Mar 27, 2019 - 07:33pm PT
Health care is broken. It was broken before ACA, it is broken after ACA, it will be broken if ACA is repealed. Healthcare will always be broken as long as Health Insurance runs the game.

Yep. As long as basic healthcare is run by, for and as a for-profit industry it will remain entirely broken. Today's approach is entirely ridiculous and ignorant from a comparative advantage among nations perspective.
Norton

climber
The Wastelands
Mar 27, 2019 - 07:41pm PT
Christ Almighty, Pre Existing?? What is that? .000000004%

More than 100 million Americans live with pre-existing conditions

If the ACA, also known as Obamacare, is repealed, a total of 102 million individuals—not to mention their immediate families—could face higher health insurance premiums and significant out-of-pocket costs related to their medical care, according to a new study from national health care research and consulting firm Avalere.

http://fortune.com/2018/10/24/medicare-medicaid-healthcare-insurance-pre-existing-conditions-obamacare-aca-midterms/
jogill

climber
Colorado
Mar 27, 2019 - 08:11pm PT
Health care industry = America's largest employer.

And half of those don't speak to the other half. A nightmare of an enterprise.

Why is Trump seizing defeat from victory's jaw?
Fritz

Social climber
Choss Creek, ID
Mar 27, 2019 - 08:32pm PT
The Republican agenda, that they don't ever, exactly, state:

The God-given right of poor Americans to die in the gutter.


MAGA!
rottingjohnny

Sport climber
Sands Motel , Las Vegas
Mar 27, 2019 - 08:54pm PT
Yeah...You don’t get no respect . The neighborhood flies should chip in and buy you a screen door...
JLP

Social climber
The internet
Mar 27, 2019 - 09:40pm PT
The ACA’s 80/20 rule means the insurance company is not where the real money is getting squandered. We’re all basically paying for pills so fat unhealthy people can live longer.
apogee

climber
Technically expert, safe belayer, can lead if easy
Mar 27, 2019 - 09:44pm PT
I think there is more political benefit to the Republicans in nuking the ACA than there is in actually providing a solution.
JLP

Social climber
The internet
Mar 27, 2019 - 10:15pm PT
The fattest and the fittest people I know equally suffer from debilitating health issues as time goes on.
We all die somehow and it’s often an expensive process - but generally isolated to the end.

No, you’re actually quite and obviously wrong, heart disease and diabetes do indeed happen to healthy people - but it’s not at all comparable to fat people and we have a lot of fat people in the usa. Gawd, look at it from any angle citing any statistic.
Sierra Ledge Rat

Mountain climber
Old and Broken Down in Appalachia
Mar 27, 2019 - 11:06pm PT
Christ Almighty, Pre Existing?? What is that? .000000004%

One of the most ignorant comments that I have seen a while.

This comment demonstrates that this person clearly has absolutely no clue whatsoever.

It's embarrassing for him, really. Or pathetic. It's also really sad that the education system in the USA is producing deplorable education failures like him.

Just in case he is just ignorant and not retarded, let me explain it to you - from a professional in the healthcare field for the past 25 years.

Ever been treated for bronchitis or a sinus infection? Insurance companies call that a "pre-existing condition" of the respiratory system. They will exclude any coverage of your nose, sinuses, trachea, bronchus, and lungs.

Ever sprain an ankle? Pre-existing condition of your musculoskeletal system. The insurance companies will exclude any coverage of your bones, muscles, ligaments, tendons, and joints.

Ever vomit? Pre-existing condition of your gastrointestinal tract. The insurance companies will exclude any coverage of your mouth, tongue, esophagus, stomach intestines, pancreas, liver, gall bladder, and anus.

100% of everyone in the USA over the age of 20 years has "pre-existing conditions," if you ask the insurance companies.

"Pre-existing conditions" is not a medical term. It's a term concocted by the insurance industry as a way to deny insurance coverage to people who have paid insurance premiums.
Sierra Ledge Rat

Mountain climber
Old and Broken Down in Appalachia
Mar 28, 2019 - 12:48am PT
In a recent healthcare debate between me and my friends, some Repugnicans were bashing universal healthcare by using the Canadian healthcare system as an example of the horrors of socialized medicine. The Repugnicans had dozens of stories about Canadians who were dying while they waited for medical care, and Canadians who were crossing the border by the millions in order to obtain routine healthcare in America.

One of my Canadian friends from Toronto responded:

What I find interesting on this debate [about American healthcare] is that every American citizen who is opposed to universal healthcare knows dozens of Canadians who had to travel out of country for a procedure that had a 6-month waiting period.

As a Canadian, I know of none.

rottingjohnny

Sport climber
Sands Motel , Las Vegas
Mar 28, 2019 - 06:34am PT
And then there are the Americans that travel out of country for cheaper medical care . Let’s not forget this when parroting the Canadians leaving their country lie .
dirtbag

climber
Mar 28, 2019 - 07:23am PT
The dude is trolling, SLR. You’d have to live in a cave isolated from all human contact and in perfectly fit health to believe that.
apogee

climber
Technically expert, safe belayer, can lead if easy
Mar 28, 2019 - 09:00am PT
^^^
That. Exactly.
10b4me

Social climber
Lida Junction
Mar 28, 2019 - 09:37am PT
what would you expect from someone who claims to live in Yuma?
He is probably an illegal.
August West

Trad climber
Where the wind blows strange
Mar 28, 2019 - 11:14am PT
Health care is broken.. It was broken before ACA, it is broken after ACA, it will be broken if ACA is repealed. Healthcare will always be broken as long as Health Insurance runs the game.

I agree. And I don't think that the ACA tried to fix the 'broken' parts. The Clintons tried to fix health care during Bill's presidency. Their attempt went down in flames as the Industrial Health Care Complex went scorched earth on them.

In my mind, the primary goal of the ACA was to try and maximize the number of Americans with insurance and access to health care. It specifically worked with the Industrial Health Care Complex to come up with a plan. By definition, you aren't going to fix the system or contain costs doing that.

But ACA worked to reduce the number of insured. It would have worked better but that the Supreme Court decided that Republican led parts of the country could opt-out of the increase in Medi-care coverage.

It took every single non-republican in the Senate to pass the ACA. If the ACA had tried to seriously reduce costs, it would have failed also.
apogee

climber
Technically expert, safe belayer, can lead if easy
Mar 28, 2019 - 11:56am PT
Our healthcare system will never be truly 'fixed' until the profit motive that is intrinsic to the insurance industry is completely removed.

Since both Dems and Reps are deeply in the back pocket of the insurance industry, there is effectively zero chance that they will be removed from the central role in our healthcare system.

I do think the insurance industry could play a role, however- a single payer system where universal, very basic coverage is provided for all taxpaying citizens could be supplemented by personal insurance policies, so that anyone who wanted better care could pay for it themselves.
bobinc

Trad climber
Portland, Or
Mar 28, 2019 - 12:13pm PT
Spot-on with the for-profit roadblock. The supply of MDs is tightly controlled, the mark-ups are astounding, and hospitals also are along for the ride. But just gutting private insurance isn't the answer, either. Here's a useful summary of how many other countries do it: http://dreamofanation.org/cms/wp-content/uploads/13/Steven-Hill1.pdf
dirtbag

climber
Mar 28, 2019 - 12:27pm PT
Trump is completely ignorant about health care and other issues: he needs to be called on that.

https://www.washingtonpost.com/opinions/2019/03/27/we-need-stop-giving-trump-pass-his-ignorance/?utm_term=.69f6f65afd59
JLP

Social climber
The internet
Mar 28, 2019 - 12:28pm PT
Our healthcare system will never be truly 'fixed' until the profit motive that is intrinsic to the insurance industry is completely removed.
Again, 80/20 rule, the best part of ACA, addressed this. Your statement is therefore ignorant.

Agree it's whack-a-mole until the whole system is reigned in. The reason insurance is expensive is because what the insurance has to pay for has gone to the moon with absolutely no cost controls other than - the insurance company - who absolutely everyone in the healthcare industry and including Trump would love for you to remove the ACA cost and profit caps on.
StahlBro

Trad climber
San Diego, CA
Mar 28, 2019 - 12:30pm PT
Rand Paul is going to Canada for surgery. The level of hypocrasy is staggering.

Smart countries understand having a healthy population is way more important than corporate greed.

EdwardT

Trad climber
Retired
Mar 28, 2019 - 01:04pm PT
Rand Paul is going to Canada for surgery. The level of hypocrisy is staggering.

Rand Paul voted against repealing Obamacare.

How is he guilty of staggering hypocrisy?

StahlBro

Trad climber
San Diego, CA
Mar 28, 2019 - 02:06pm PT
EDT, I was wrong. Even though he is an outspoken critic of socialized medicine, he can afford private a private hospital in Canada.
apogee

climber
Technically expert, safe belayer, can lead if easy
Mar 28, 2019 - 02:49pm PT
JLP, I was actually referring to an idealized system where a law like the ACA would not be necessary.
apogee

climber
Technically expert, safe belayer, can lead if easy
Mar 28, 2019 - 03:38pm PT
McConnell to Trump: Health care’s all yours
The Senate majority leader signaled in an interview that he’s more interested in taking on Democrats than jumping into a divisive debate within his own party.
By BURGESS EVERETT 03/28/2019 05:46 PM EDT
https://www.politico.com/story/2019/03/28/mcconnell-health-care-trump-1242865

Mitch McConnell has no intention of leading President Donald Trump’s campaign to transform the GOP into the “party of health care.”

“I look forward to seeing what the president is proposing and what he can work out with the speaker,” McConnell said in a brief interview Thursday, adding, “I am focusing on stopping the ‘Democrats’ Medicare for none’ scheme.”

The Senate majority leader spent untold weeks and months on the party’s health care quagmire in 2017, when the GOP controlled both the House and the Senate and still failed to repeal Obamacare. The episode caused endless headaches for Republicans as their replacement plan fell apart first, followed by the so-called “skinny” plan they slapped together at the last minute.
rottingjohnny

Sport climber
Sands Motel , Las Vegas
Mar 28, 2019 - 06:39pm PT
McConnel the consumate weasle .
apogee

climber
Technically expert, safe belayer, can lead if easy
Mar 28, 2019 - 07:11pm PT
Well, you gotta give the guy credit for knowing what will work, and what won’t.

He’s also moving closer to changing Senate rules (‘nuclear option’) to allow easier confirmation of lower court justices.

I hate what he’s done and the way he’s subverted the process, but he has got sh#t done. Meanwhile, the Dems keep playing by the old rules, thinking being on the ‘high road’ will somehow get them what they want. Dems would be lucky to have someone as ‘outside the box’ as McConnell.
dirtbag

climber
Mar 28, 2019 - 07:26pm PT
I hate what he’s done and the way he’s subverted the process, but he has got sh#t done. Meanwhile, the Dems keep playing by the old rules, thinking being on the ‘high road’ will somehow get them what they want. Dems would be lucky to have someone as ‘outside the box’ as McConnell.


110%
Sierra Ledge Rat

Mountain climber
Old and Broken Down in Appalachia
Mar 29, 2019 - 12:18am PT
MEANWHILE in 'Murica....

...the Republicans rant about how Canada's universal healthcare system is the work of the devil, and Canadians are flocking across the border by the millions to get surgery done in the GREAT USA...

...And Republican big-dog Paul Rand is going to Ontario, CANADA, to get elective surgery (rather than have surgery in the USA) because CANADA "has the best surgical centers in the world."

And if that ain't bad enough, stooooopid Refuknicans still worship these GOP charlatans.
wilbeer

Mountain climber
Terence Wilson greeneck alleghenys,ny,
Mar 29, 2019 - 03:59am PT
“Financially,I didn’t feel a thing”

Probably because they gave you OxyContin,oh wait ,that’s in

‘Murica.
Yury

Mountain climber
T.O.
Mar 29, 2019 - 07:48am PT
Jim Brennan:
I just had a consultation with a doctor of my choice and an X-Ray of my back. The monthly premium for the medical service is $ 37.50 which will be phased out at the end of 2019. 50% of my yearly income tax pays for my enfranchisement with universal healthcare for Canadian citizens.
Jim Brennan, so far I had a perception that it was not universal, but provincial level healthcare plans (with noticeably different rules in different provinces).

Also I had a perception that citizenship was not a requirement for this "free" healthcare.
Being a legal resident is required for enrollment into provincial plans.

Also, similar to the US, free healthcare is provided even for illegal aliens in case of emergency.
Yury

Mountain climber
T.O.
Mar 29, 2019 - 07:58am PT
Sierra Ledge Rat:
...And Republican big-dog Paul Rand is going to Ontario, CANADA, to get elective surgery (rather than have surgery in the USA) because CANADA "has the best surgical centers in the world."
Sierra Ledge Rat, you've got too much exposure to Michael Moore.
It's a common knowledge that typically US major hospitals are better than the best Canadian hospitals.
You can Google yourself for a list of the best world medical centers.
You would not see even a single Canadian hospital near the top of these lists.

However in case of Paul Rand (I do not have a link and just describe my recollection), he needed a hernia surgery, and Toronto Shouldice(?) hospital is the only hospital in the world (?) specializing in these types of surgeries.

Unfortunately, this is just an exception.

When I needed a surgery, my son tried to convince me to go to Cleveland.
Another option was to go to Far East.

I am still not sure that my decision to stay in Toronto was the best one (I had too many after-surgery complications here).
Hungry

Trad climber
flagstaff, AZ
Mar 29, 2019 - 08:08am PT
As much as I prefer free market solutions generally, they just don't work when the market is dysfunctional, as is the case with the individual payer health insurance market in the US. The Affordable Care Act didn't fix that market. Although it does help some who are harmed by that market failure, it makes things more expensive all around and sustains the for profit insurance system. Talented people will choose to work for organizations that can provide insurance rather than trying to run their own small businesses when they can't get insurance on their own. Unfortunately, a lot of the people who have gained the experience, knowledge and enough capital to start a little business are in their 50s and have medical issues that make going without health insurance problematic. Big business doesn't want competition from little guys, so they are OK with the system as it is.
I don't know if a functional, competitive individual payer insurance market is possible without breaking up the for profit employer paid health insurance system, which seems unlikely.
healyje

Trad climber
Portland, Oregon
Mar 29, 2019 - 08:12am PT
Anyone who believes in small business should be all for basic universal, single-payer healthcare and, really, it would be a boon for corporations to be relieved of that pressure.
apogee

climber
Technically expert, safe belayer, can lead if easy
Mar 29, 2019 - 09:23am PT
^^^
Yeah, go figure, right?
Yury

Mountain climber
T.O.
Mar 29, 2019 - 02:32pm PT
Jim Brennan:
Yury, I said nothing about it being free. On average, roughly 50% of a Canadian’s personal income tax is spent on public health care totaling 11.3 % overall of national GDP.
Jim Brennan, I also said nothing about it being free in my second comment. In my first comment I put "free" in quotation marks.

My main point is that Americans often do not understand the difference between quality of health care in Canada and in the US.

My guestimates are:
 top 50% (who have money or group insurance) and bottom 10% (who have no money at all) of the population is better with the US system.
 people with income a bit below average are better with Canadian system.

You can't have something for nothing and free cheese is not universally available.
apogee

climber
Technically expert, safe belayer, can lead if easy
Apr 1, 2019 - 03:08pm PT
2 Republican AGs urge court to throw out Obamacare ruling
By PAUL DEMKO 04/01/2019 05:12 PM EDT
https://www.politico.com/story/2019/04/01/court-obamacare-ruling-1246915

Republican attorneys general in Ohio and Montana are opposing a federal judge’s ruling that the entire Affordable Care Act should be thrown out, breaking with the Trump administration's recent decision to support the ruling.

In a brief filed in federal appeals court Monday, the attorneys general argue a federal judge erred in concluding that Obamacare must be struck down because law's individual mandate is unconstitutional and cannot be severed from the rest of the law. Though the two attorneys general oppose the requirement to purchase coverage, they say they rest of the law should be allowed to stand, and they warn there could be negative consequences for millions of their residents if the judge's decision is upheld.




This isn’t going to go smoothly, is it? Whose idea was this, anyway?
Sierra Ledge Rat

Mountain climber
Old and Broken Down in Appalachia
Apr 1, 2019 - 07:41pm PT
I saw my primary care doctor for a routine appointment. The only test he needed was a routine urinalysis. It was sent out to a private lab, and the results were totally normal.

Let me tell you how a routine urinalysis is done. You purchase a bottle of 100 test strips for about $15. Anyone can buy a bottle on Amazon. Each test strip has about a dozen indicators. You dip a test strip into the urine, and then compare the color of each indicator on the strip to a color chart on the side of the bottle.

We have not met our annual deductible, so I received a bill from the lab for the full price of the routine urinalysis.

The bill: $950

 -

On another matter, I am self-employed and almost 60 years old. I have to buy my own health insurance. My only medical problem is knee arthritis, and I don't take any meds.

Guess my monthly premium.

Self employed
Almost 60 years old

And the cheapest health insurance that I can obtain is......

$3,700 per month, with a $15,000 annual dedictible.

Any one who says that our health care system is fine, I say "F*#k you."

P.S. Not an April Fool's joke. Just my personal nightmare.

Norton

climber
The Wastelands
Apr 1, 2019 - 07:58pm PT
This isn’t going to go smoothly, is it? Whose idea was this, anyway?

the Individual Mandate?

why, that would be a very conservative idea, from the Heritage Foundation of course

everyone should have healthcare or pay a penalty, no freeloaders
Fritz

Social climber
Choss Creek, ID
Apr 1, 2019 - 08:01pm PT
SLR! I feel for you & others who have huge health insurance premiums.

Heidi & I have long had Blue Cross of Idaho health insurance. Our policies have a yearly deductable of $5,000.00, & after that, Blue Cross pays 100% for every legit medical expense. We long ago decided a $5,000.00 medical bill would not ruin us, hence the high-deductable policy.

She goes on Medicare very soon & I've enjoyed Medicare for several years, but she is currently paying Blue Cross of Idaho $553.05 monthly. I suggest you consider other health insurance options, than your current policy.
zBrown

Ice climber
Apr 1, 2019 - 08:03pm PT
Geez SLR

I was in your boat at one point

But I was complaining about what I recall as being $750/month
zBrown

Ice climber
Apr 1, 2019 - 08:15pm PT
While we are here

Check out the

ASCVD (Atherosclerotic Cardiovascular Disease) Risk Algorithm including Known ASCVD from AHA/ACC which Determines 10-year risk of heart disease or stroke and provides statin recommendations.

If you are 72 years of age there is no way that statins are not recommended to get to the 7.5% acceptable ten year risk

Who developed it?

Just guessing here, but could it have been sponsored by the drug manufacturers



apogee

climber
Technically expert, safe belayer, can lead if easy
Apr 1, 2019 - 08:58pm PT
Actually, Norton, I was referring to Trump’s decision to support that Texas court decision that the ACA is unconstitutional, and the entire thing should be ditched.

Most every legal mind says it will fail in the SC (or before)- even Republican AG’s in Ohio and Montana know it’s a fool’s errand.

Trump is clearly doing this to satisfy his base- even if it loses in the SC, he wins their opinion.
zBrown

Ice climber
Apr 1, 2019 - 09:34pm PT
It is also failing with repubs in Congress

Big time
Hoser

climber
Vancouver,Rome
Apr 1, 2019 - 11:32pm PT
@Yury,

Also I had a perception that citizenship was not a requirement for this "free" healthcare.
Being a legal resident is required for enrollment into provincial plans.

Some provinces yes, like BC, others simply require you to file taxes and collect your medical fees from there...regardless of where you live.

My main point is that Americans often do not understand the difference between quality of health care in Canada and in the US.

IF you have money, from my experiences with US and CAN healthcare, the above statement is only true if you can buy the best. Thats the fundamental point, everyone should be entitled to the best not just the richest.

You can't have something for nothing and free cheese is not universally available.

Although not free, that is the WHOLE point of universal insurance...one for all and all for one...

Also, similar to the US, free healthcare is provided even for illegal aliens in case of emergency.

We dont have free coverage for people with no insurance, we charge you every step of the way just like the USA. In Italy and potentially Europe, this is different. You do get free emergency services but they cease being free once you are an outpatient...which could be where the big charges come from.
Sierra Ledge Rat

Mountain climber
Old and Broken Down in Appalachia
Apr 2, 2019 - 06:16am PT
The USA spends more TAX dollars per capita on healthcare than any other country in the First World, and we don't even get universal health care. I am talking 2 to 5 times as much tax dollars per capita.

This is because private industry has to get their blood money, it's the capitalistic way. Some insurance company CEO or pharmaceutical CEO makes $200 million per year profiting from your mother' suffering.

Congress is in the pockets of big business, and congress allows private corporations to charge exorbitant fees for their goods and services.

Some idiot is probably gonna whine that you have to allow corporations to have free reign or you stiffle jobs and innovation. We are way beyond that, pal. $950 for a urine test that has a cost basis of about five dollars? That's not jobs and innovation, that's excessive greed, pure and simple.

If we cut out the private corporations, we could cut costs, cut taxes AND have universal health care for all.

rottingjohnny

Sport climber
Sands Motel , Las Vegas
Apr 2, 2019 - 06:22am PT
But what about the death panels ?
EdwardT

Trad climber
Retired
Apr 2, 2019 - 07:08am PT
We have not met our annual deductible, so I received a bill from the lab for the full price of the routine urinalysis.

The bill: $950

-

On another matter, I am self-employed and almost 60 years old. I have to buy my own health insurance. My only medical problem is knee arthritis, and I don't take any meds.

Guess my monthly premium.

Self employed
Almost 60 years old

And the cheapest health insurance that I can obtain is......

$3,700 per month, with a $15,000 annual dedictible.

Any one who says that our health care system is fine, I say "F*#k you."

P.S. Not an April Fool's joke. Just my personal nightmare.

Dayum SLR... you're getting fleeced.

I'm 59 and I buy my insurance through HealthCare.gov.

Office visit - $35

With a battery of blood and urine tests, my annual costs another $80.

My deductible is $5000

My premiums are $350/month.

I've had 4 back surgeries in the last 13 years. The last was in Jan. '18.

You pay $3700/mo? Really?


Edit - I just got a quote for the best BCBS policy in the area.
$5 co-pay
$2500 ded.
$1117/mo. premium (with zero government rebate)
WyoRockMan

climber
Grizzlyville, WY
Apr 2, 2019 - 08:07am PT
And the cheapest health insurance that I can obtain is......

$3,700 per month, with a $15,000 annual dedictible.

Any one who says that our health care system is fine, I say "F*#k you."


I'll quit my bitching. $2,715.65 per month, $9k deductible.

Any one who says that our health care system is fine, I say "F*#k you."
EdwardT

Trad climber
Retired
Apr 2, 2019 - 08:21am PT
That's an 8% profit margin.

What's an acceptable percentage?
Sierra Ledge Rat

Mountain climber
Old and Broken Down in Appalachia
Apr 2, 2019 - 08:25am PT
EdwardT

I have tried a wide variety of agents and companies. I ended up getting my insurance through Obamacare, the cheapest BC/BS policy I could find.

I had a cheaper insurance ($2,400/month) but they denied EVERYTHING and it was a constant fight. When my knee was so bad that I couldn't walk, they denied all care, said it was all "elective." Then they denied referral to a local orthopedist. The insurance company insisted that I go to a "preferred" orthopedist 300 miles away.

So I switched to BC/BS.
capseeboy

Social climber
portland, oregon
Apr 2, 2019 - 08:30am PT
Geeze SLR you sound like your getting hosed. Like some catch-22 shite.
apogee

climber
Technically expert, safe belayer, can lead if easy
Apr 2, 2019 - 08:45am PT
Trump punts health care until after 2020
Just last week the president had seemed to go all in on a new effort to wipe out Obamacare.
By QUINT FORGEY and JOHN BRESNAHAN 04/01/2019 11:00 PM EDT Updated 04/02/2019 12:36 AM EDT
https://www.politico.com/story/2019/04/01/trump-health-care-reform-1247632


President Donald Trump signaled Monday that congressional Republicans would wait until after the 2020 elections to vote on a GOP replacement for Obamacare — putting off a presumably savage legislative battle on a hot-button campaign issue until after his re-election bid.

“Everybody agrees that ObamaCare doesn’t work. Premiums & deductibles are far too high - Really bad HealthCare! Even the Dems want to replace it, but with Medicare for all, which would cause 180 million Americans to lose their beloved private health insurance,” the president tweeted.





Aww...that's a shame. I was really looking forward to watching the blood fly on this one.
EdwardT

Trad climber
Retired
Apr 2, 2019 - 08:51am PT

I have tried a wide variety of agents and companies. I ended up getting my insurance through Obamacare, the cheapest BC/BS policy I could find.

That's just wrong. Not how the system is supposed to work (as it's currently set up). Bummer.

Maybe you should move to Canada or France until you turn 65.

Maybe Trump's efforts to undo the ACA will be his undoing in 2020.

------------------------------------------------------------


“Everybody agrees that ObamaCare doesn’t work. Premiums & deductibles are far too high - Really bad HealthCare! Even the Dems want to replace it, but with Medicare for all, which would cause 180 million Americans to lose their beloved private health insurance,” the president tweeted.

Medicare for all, with supplemental private insurance for those who want it. I believe this is similar to France's system.
apogee

climber
Technically expert, safe belayer, can lead if easy
Apr 2, 2019 - 09:01am PT
"Medicare for all, with supplemental private insurance for those who want it."

+1!

This seems like such a logical solution. I'm sure the greatest resistance is coming from the insurance industry, via our politicians.
Lorenzo

Trad climber
Portland Oregon
Apr 2, 2019 - 09:48am PT
drug prices will come down

Drug prices will come down when the federal government is allowed to put purchases out for competitive bidding.

Right now the drug lobby has ensured that is not allowed.

https://www.tarbell.org/2017/11/no-uncle-sam-cant-negotiate-lower-drug-prices/
mouse from merced

Trad climber
The finger of fate, my friends, is fickle.
Apr 2, 2019 - 10:01am PT
Just got notified today (late) by the county HSA that my Medicare SLMB benefits have been terminated, only a few months after they were granted.

Reason: The income level where I sit, lording it over all I see, is $1,070.50 with my teamster pension and Social Security benefits, while the feds just made the max allowable to qualify $1,061.00.

That's a difference of $8.50/month.

F*#ked twice in the same ass in the same year by the same feds.

I wish they'd settle on SOMETHING A LITTLE MORE FAIR, GODDAMIT!

I MAY hear back from the HSA in 24 hrs or less, but they will call once and expect me to play phone tag.

"SERVICES" is hardly a misnomer since I'm being f*#ked so much.

edit: I was going to try to re-enroll in the SNAP, too, but they probably have the same Trumpian guidelines.
apogee

climber
Technically expert, safe belayer, can lead if easy
Apr 2, 2019 - 10:13am PT
Yeah, Covered California works very similarly- if your income hits a certain threshold, all subsidies are cut- and if you were receiving those subsidies last year, and your end of year income exceeded the threshold, you wind up owing the Fed for the subsidies you received. Therefore, you have to be verrrry careful about monitoring your income, and report it to Cov Cal immediately.


Sure, that seems like a not unreasonable expectation if you are receiving those kinds of subsidies, but it's all in the context of this f*#ked up healthcare system that we have. This kind of band-aid approach is precisely due to the fact that our system is insurance-industry driven, and the political solution that was implemented only tries to work within this.

It's time to shake it up completely.
mouse from merced

Trad climber
The finger of fate, my friends, is fickle.
Apr 2, 2019 - 10:19am PT
I don't know about Cov Cal, but here's the line on my bennies package.

https://www.medicareadvocacy.org/2019-federal-poverty-levels-released-new-income-limits-for-medicare-savings-programs/

I may have to try to enroll in the QI for next year.

What galls me about this especially is that just this year, in January, I was granted this supplement and now it's void just a month later.

"Christ, you know it ain't easy."
formerclimber

Boulder climber
CA
Apr 2, 2019 - 11:09am PT
Medical mafia must be stopped. They're the reason insurance is so expensive - because of their exuberant, insane bills - and this is the reason establishing a normal healthcare system (healthcare available to all for free or low fee), like in civilized countries, is facing such hurdles here -- because it requires enormous kickbacks (paying inflated bills) to this mafia.
I went to in-network facility recently and got an x-ray and simple ultrasound - the bill to insurance is $9000. A year ago I saw insurance claim for the same for $3000 from a different place. In reality it can't be worth more than $500 MAX - considering whooping 5 mins spent by the technicians and may be 15mins by radiologist. Last year I got CT with contrast which can't cost more than $500 either - 16K bill to insurance. Insurance had accepted it as fair price - because they're all in the same corruption clique (providers + insurance industry + various coding/billing parasites = medical mafia, paid-up legislators)
The only way to stop them is massive non-payment, I believe, while fighting them in legislature and bringing civil rights actions. They won't have the capacity to sue everyone for the bills.
capseeboy

Social climber
portland, oregon
Apr 2, 2019 - 11:34am PT
Googled this:
Single Taxpayers. If you are single and under age 65, you can earn up to $9,499 in a year and not file a tax return. Should you be 65 or older, you could earn up to $10,949 and be exempt from filing a federal tax return. However, you may qualify for an Earned Income Tax Credit, which is refundable in cash to you.

Seems like poverty is now the new Nouveau riche. I mean, why should anyone have to file at any amount below eg $20K these days?

edit#1 even $20k seems light. Is anyone really making it on less than $30K w/o subsidies?
stevep

Boulder climber
Salt Lake, UT
Apr 2, 2019 - 11:46am PT
It's not just insurance that is broken(though that's part of the problem)...it's the whole system.
Too many expensive drugs that have marginal benefits.
Too many specialist MDs, not enough primary care.
Not enough nurses or mid-levels, and not enough spaces in schools for them.
Push back from expensive MDs on nurses and mid-levels doing more.
Hospitals merging
Hospitals that are "non-profit" but building incredibly expensive new facilities filled with expensive art work and paying staff huge salaries.

And yes, the high-deductibles are a problem. The idea in theory was pretty good, but it may have been taken too far, and it certainly doesn't work if the preventative services included are too limited.
formerclimber

Boulder climber
CA
Apr 2, 2019 - 11:53am PT
And the cheapest health insurance that I can obtain is......
$3,700 per month, with a $15,000 annual dedictible.
Any one who says that our health care system is fine, I say "F*#k you."

I'll quit my bitching. $2,715.65 per month, $9k deductible."

What?...are these dots in the wrong places, extra 0? It this s#t even real?
capseeboy

Social climber
portland, oregon
Apr 2, 2019 - 12:04pm PT
Hospitals that are "non-profit" but building incredibly expensive new facilities filled with expensive art work and paying staff huge salaries.

Boy that hits a nerve. I don't know about the salaries but the facilities are constantly being frivolously 'improved'. Geeze, some are nicer than 5 star hotels. All show. Once they get the big ticket stuff done/covered it's out the doors to some substandard class place to 'recover'. They almost killed my friend doing recovery before we got him back to the hospital and then to a better facility. Peeps did not have a clue at the substandard facility. Scary.

When I worked at Kaiser in 86 the doctors got bonuses to keep their patient admit days below a threshold. No conflict of interest there?

formerclimber

Boulder climber
CA
Apr 2, 2019 - 12:09pm PT
Once they get the big ticket stuff done/covered it's out the doors to some substandard class place to 'recover'. They almost killed my friend doing recovery before we got him back to the hospital and then to a better facility. Peeps did not have a clue at the substandard facility. Scary.

When I worked at Kaiser in 86 the doctors got bonuses to keep their patient admit days below a threshold. No conflict of interest there?


How about being thrown out aka "discharged" (by some resident who never saw you in person while your actual doctor headed on vacation) in the middle of the night, drugged, with no one to pick you up, with a large unhealed and bleeding surgical wound when you can't really walk? Yep that's what they do.
WyoRockMan

climber
Grizzlyville, WY
Apr 2, 2019 - 12:12pm PT
What?...are these dots in the wrong places, extra 0? It this s#t even real?

Real as real can be. We have exactly 1 health insurance carrier in WY.
Self insuring is the other option, the wife isn't real keen on that since we have kids.

People have no idea how much that "Health Insurance" benefit through an employer is until they have to buy it themselves. There would be more support for universal care if the non-wage cost was put into dollar figures on pay stubs.
WBraun

climber
Apr 2, 2019 - 12:16pm PT
The health care cost in America is criminal.

Because criminals run the health care industry.

In America money is GOD.

St00pid materialistic Americans .....
capseeboy

Social climber
portland, oregon
Apr 2, 2019 - 12:16pm PT
^^^^ I had busted some ribs and got juiced on morphine. Wouldn't release me on my own so a friend picked me up to watch me. Only they didn't tell him a thing. I went merrily skipping and driving around after he dropped me off and then the MS wore off. Yep. Good thing they had someone pick me up.
fear

Ice climber
hartford, ct
Apr 2, 2019 - 12:56pm PT
We've got an entire system, top to bottom that's a heroin (free money) addict. Once "insurance" meant that someone else paid for your routine problems/maintenance the system began to exploit itself. Gov't and private insurer's inject the heroin into the system and the addicts just demand more and more.

Imagine if car insurance meant free tires, oil changes, transmissions, engines.

I'm surprised more doctors haven't bowed out to cash-only services with a clear and concise fee schedule that a normal earner would be able to afford.

There is no solution that revolves around more free (other people's) money.

Medical Insurance should be for catastrophic events and priced accordingly. But until these absurd fee schedules come back to reality, that will never happen.

formerclimber

Boulder climber
CA
Apr 2, 2019 - 01:18pm PT
I saw stats that 30-40% of claims get denied on the first submittal by big insurance companies: it's simply a numbers game in hopes that a person will give up, being too sick or unaware of the appeals process - a lot of people never appeal. It's a barbaric situation that something like MRI, CAT scan or ultrasound are hard to get approved or covered here (it's the 21st century)...much easier in other countries. I see insurance resorting to absolutely ridiculous tactics now (in how they deny claims) in effort to discourage you from seeking any care.
August West

Trad climber
Where the wind blows strange
Apr 2, 2019 - 02:42pm PT
It's a barbaric situation that something like MRI, CAT scan or ultrasound are hard to get approved or covered here (it's the 21st century)...much easier in other countries. I see insurance resorting to absolutely ridiculous tactics now (in how they deny claims) in effort to discourage you from seeking any care.

Like some other posters on this thread, I also only have catastrophic insurance. So I end up paying the full costs of things like MRIs. That in itself is ok, I pay less per month because of that.

Try getting someone to tell you the cost of a MRI over the phone. I don't believe it is possible in this universe.

Some republicans claim that if people were responsible for paying for their own care they would shop around and it would be cheaper. It is hard to shop around when no one will tell you how much their procedure will cost.
formerclimber

Boulder climber
CA
Apr 2, 2019 - 03:02pm PT
There's https://www.healthcarebluebook.com/
which shows a range of "fair prices" - well in California the actual price is going to be at least 10 times more than their highest end of fair price estimate (speaking of imaging here), usually, and I've seen insurance being charged 20X more than once and even 30X of their estimated fair price.
Norton

climber
The Wastelands
Apr 2, 2019 - 03:17pm PT
MGuzzy,

Sounds like maybe you are in the "pay the annual deductible before we pay anything" part of your health plan.


I just three weeks ago got an MRI on my lower spine.
I am on Medicare but I did have to pay $300 because even Medicare has a certain annual deductible amount to meet.
=

Healthcare in America is multi tiered

if you have no insurance you pay the "Arab Prince" price
if you do have insurance then your insurance company has negotiated a set price for their plan members to be charged for every single thing, well lower than the Arab Prince price. You will usually have to pay a co-pay and then a specific amount depending if you have met your annual plan deductible or not.
formerclimber

Boulder climber
CA
Apr 2, 2019 - 03:25pm PT
if you have no insurance you pay the "Arab Prince" price
if you do have insurance then your insurance company has negotiated a set price for their plan members to be charged for every single thing, well lower than the Arab Prince price. You will usually have to pay a co-pay and then a specific amount depending if you have met your annual plan deductible or not.

May be it was like this before but it's not what I see now. I see insurance agreeing to astronomical bills completely way out there, which in no way can be considered reasonable. Cash prices are actually often lower - yes, cheaper rates for no insurance.
Norton

climber
The Wastelands
Apr 2, 2019 - 03:31pm PT
I am in the worst possible boat.. I am not of Medicare/medical age yet, I'm self employed in CA.
------------------------


boy are you ever in the worst boat, being self employed you are not part of the negotiating power of a large employer group

I am now 68 and on Medicare but I was self employed since age 22 and so had to pay sky high month payments like you do sir, sucks, hurry up and get on Medicare!
donini

Trad climber
Ouray, Colorado
Apr 2, 2019 - 03:39pm PT
For the richest country in the world to be behind every other first world nation in providing health care for it's citizens is a national disgrace. The issue shouldn't be one for debate, it should be clear that universal health care should be provided for everyone free of charge....Medicare for all!
formerclimber

Boulder climber
CA
Apr 2, 2019 - 03:39pm PT
I went to Walmart and had my eye exam done for $55 bux
I always use Walmart for vision exam and frames (not for lenses), even when had employer-sponsored vision plan. Better experience than in any other shops anyway. One time I did it outside Walmart in much more expensive shop - they got me horrible prescription I couldn't be comfortable wearing and went to Walmart to get better one...it's not always you get what you paid for.
Fritz

Social climber
Choss Creek, ID
Apr 2, 2019 - 03:45pm PT
formerclimber is on a roll today. Our resident paid Commie spammer has found a thread where everyone is bitching about healthcare & no-one questions the fuel she adds to the fire.

She'll be rolling in the Roubles now.
formerclimber

Boulder climber
CA
Apr 2, 2019 - 03:46pm PT
Shut up, Nazi
I know ones like you don't even get why people "b#tch" about healthcare.
It's all good and S&P had made you rich, blah blah
Norton

climber
The Wastelands
Apr 2, 2019 - 03:55pm PT
Medicare is not free

you pay into it all your life at a rate of 1.9% as an employee and double that if you are schedule C self employed

Medicare is also not free when you get on it at age 65

your monthly Medicare payment is taken automatically out of your Social Security
it is around $120 a month for myself

Medicare also has co payments to see specialists, and annual deductibles

the reason it is cheaper insurance than private plans is because the profit factor is removed, Medicare has by far the lowest administrative cost of all the plans and does not have shareholders to make profit for

Medicare basic is a 80-20 plan, for that reason many people pay monthly for a supplemental plan to pay for what Medicare does not

I elected to a Medicare "Advantage" Plan, which means that as long as I stay within "network", like private plans, then it is the cheapest plan with the best benefits
and no monthly payment to a Supplemental plan is required or needed
zBrown

Ice climber
Apr 2, 2019 - 05:57pm PT
I have Medicare and an expensive supplemental policy.

Still way less than when I was self insuring.

When I look at the bills I did not have to pay I am happy.

I agree with What Donini said above.


**tell me it ain't so Joe

https://www.ispot.tv/ad/dRYB/medicare-coverage-helpline-more-benefits-featuring-joe-namath

get him back in the babes and shaves arena please


[Click to View YouTube Video]
capseeboy

Social climber
portland, oregon
Apr 3, 2019 - 08:53am PT
I saw stats that 30-40% of claims get denied on the first submittal by big insurance companies: it's simply a numbers game in hopes that a person will give up, being too sick or unaware of the appeals process - a lot of people never appeal.

This is a form of guilty (ineligible) until you prove yourself innocent (eligible). Evil, vile, disgusting industry. So much for a gentler and kinder nation. Partisan politics...denied.
August West

Trad climber
Where the wind blows strange
Apr 3, 2019 - 09:34am PT
if you have no insurance you pay the "Arab Prince" price
if you do have insurance then your insurance company has negotiated a set price for their plan members to be charged for every single thing, well lower than the Arab Prince price. You will usually have to pay a co-pay and then a specific amount depending if you have met your annual plan deductible or not.

Yes, but even if your insurance company has negotiated a set price for their plan members to be charged for every single thing, nobody can tell you what price that is. You have to do the procedure and wait for the bill. If you have high deductibles, that is a concern.

If my back acts up again, it would be nice to know if I'm looking at a $300 bill or a $2000 bill before I decide to do it.

And again, R's talk about this fantasy of the free market using competition to keep the price down. Yea right.
EdwardT

Trad climber
Retired
Apr 3, 2019 - 09:45am PT
I saw stats that 30-40% of claims get denied on the first submittal by big insurance companies

A more accurate stat is 14%.

The Department of Labor estimates that about one claim in seven made under the employer health plans that it oversees is initially denied

But we do know they deny claims.

My advice is once there's any hiccup in a claim, start a file. Document ever correspondence (phone, email, text, letter). When they give you a date of approval, call on that date.

Following a surgery, I was assured of approval within a month. I called after a month. They said that issue was resolved, but there's another issue. I called 2-4 times a month for another five months. About three months after surgery, I started hearing from the doctor, the hospital, the anesthesiologist. Everyone who was owed money. Finally, I asked the insurance company if i needed to hire an attorney. The next day, they called "with great news". My claim was approved. Well how about that!

Remember. Document everything. Don't forget about the lawyer card.
MarkWestman

Trad climber
Talkeetna, Alaska
Apr 3, 2019 - 11:07am PT
In early April of 2016 docs discovered an 11 centimeter adrenal tumor in my abdomen.
I had to leave Alaska for treatment as there was only one surgeon in Alaska who had removed an adrenal tumor before and he had done it...once. And he wasn’t an oncology surgeon. Bearing in mind that adrenal cancer is exceptionally rare and lethal and requires highly specialized knowledge to treat.
So I set up a consult at Seattle Cancer Care Alliance and UW physicians. Prior to going I verified with my insurance company that these providers were in network. They said yes. After the consult, I had a surgery date set for second week of May but I didn’t trust my I insurance company so I called again to verify. The rep I spoke to put me on hold and spoke to her supervisor. When she returned she said, verbatim: “you are in network. You have nothing to worry about”.
The day before surgery, after what one can imagine was the longest month of my life, I’m in Seattle with my wife. UW hospital calls to inform that insurance has just approved my surgery, but that they’ll be charging me out of network rates for the entire procedure and five day hospital stay. If this stands it will cost me an additional $14,000 out of pocket.
I obviously have no time or energy to address this now and damned if I’m going to delay this surgery.
Six days later, on my discharge day, I’m supposed to be discharged at 10:00 AM, but it takes until 4:00 PM because my doctors want to send me home with a 28 day supply of self injecting blood thinner syringes, which they insist is SOP after such a major surgery. MODA Health, my insurance company, disagrees of course, as their team of “experts” says I only need 18. My doctors and nurses argued on the phone with them over a six hour period over 10 syringes that cost about $30 each. My doctors won the argument at last, but I’m certain that the six hours longer that I occupied that hospital room cost far more than those syringes. Meanwhile I spent those six hours not resting but arguing on the phone with MODA about the false information they gave me and the bait and switch on in network benefits. They tried to claim that because UW informed me of the benefit status THE DAY PRIOR TO SURGERY that I was given “proper notice”.
Over the following weeks and months I had my doctors write letters supporting my case, which were categorically ignored and rejected, all the while I am sick from radiation therapy, They also told me I didn’t need to see the endocrine oncology surgeon that I used at UW, giving me the name of a doctor in Anchorage. I looked up this doctor, and she was an endocrinologist (I already had one, on the same floor of her building), and she was neither an oncologist nor a surgeon!! Finally I forced them to pull the TWO different recorded phone calls in which they told me I would be in network, telling their review board that I planned my treatment around the information they provided. I won, however they also stipulated that any further treatment at these doctors and facilities would be billed out of network. So much for continuity of care, but fortunately I did not need to return. And fortunately I was able to switch to Premera Blue Cross at the end of the year, and they have been hassle free.

Someone above noted that insurance companies make a policy of screwing with people, and counting on them being too sick to fight back. That’s unfortunately been my experience as well. My advice is to do what I did and write down dates and names and times of all contacts you have with your insurance company. You may need it later!


formerclimber

Boulder climber
CA
Apr 3, 2019 - 11:34am PT
^ And need to record phone conversations about important questions with "rep" drones (if not possible to get anything in-writing like pre-authorization). If in two-party consent state don't forget to tell them you're recording. What I hear from "reps" at my insurance is usually either random blatant lies pulled out of you now where or non-sense, have to get to unreacheable "supervisors" to get any of more accurate info. These people got nothing to lose other than minimum wage I guess so they dk.
(I said it about them counting on people being unable to fight back wrongful denials, it's a deliberate strategy/game of numbers. Kind of like there're fraudulent companies that bill cards unauthorized and hope that only a percent will fight the charges - and it works. It's a well-known (bad) business strategy)
Ghost

climber
A long way from where I started
Apr 3, 2019 - 04:08pm PT
Here's my tale of battle with the US health industry. In this case it wasn't the insurance company, but a hospital. But since it is all interconnected...

Two years ago, I suddenly lost most of the vision in one eye. It was late afternoon, no time to start looking for anyone new, but I remembered that the eyeglass shop I used (in a Fred Meyer store) actually had a real doc working in it, so I phoned, they said they'd see me, and Mari drove me over.

The doc took one look into my eyeball and said "There is a good chance you're about to lose the other eye. You need to get your ass straight to your pharmacy where I'll make sure they have some meds ready for you, and then straight from the pharmacy to the ER at this hospital where I'll have them lined up to do a blood test, because there is a protein that shows up if you're on the verge of another one of these events.

Everything went smoothly from there. When we got to the hospital ER -- which was empty other than Mari and I -- we were put into an examination room, a nurse took my vitals, did a blood draw, and disappeared. About 45 minutes later, a doc came in, said she'd gone over the lab results, found no sign of whatever it was that might predict the loss of my other eye, and that I was okay to go.

So far, all great. Then I received two bills. One for just under $800 for the services of the ER doc, the other for about $2,800 from the hospital, for "emergency services". And since I was nowhere close to my $4K deductible, there was no insurance coverage.

The $800 for what the doc had done seemed high, but, well, she was on night shift at an ER, so okay, I paid it.

Then I called the hospital to find out what their $2,800 was for. "Well, emergency services are expensive, you know." I pointed out that the only services were the five minutes it took the nurse to draw a blood sample, along with whatever the lab work cost, so their must be some mistake.

They said they'd look into it, but when the next statement arrived, it broke out $96 for the lab work, and now showed $2,100 for emergency services.

I paid the $96 right away, and then called to explain that, while I would immediately pay for any other service they had provided, they would first have to identify that service.

This went back and forth many times over the next year, both with the hospital and a collection agency. As pointed out by posters above, I was careful to make sure all calls were recorded, and also put my position in writing to both the hospital and the collection agency.

Interestingly, the collection agency quickly gave up -- pretty clear evidence that they saw the charge as unjustifiable. The hospital still says I owe them $2,100, but they've given up bugging me about it.

Sometimes, standing your ground can work.
mouse from merced

Trad climber
The finger of fate, my friends, is fickle.
Apr 3, 2019 - 04:44pm PT
The HSA worker called me back this morning to answer my questions about being cut from MediCare Part B, and she told me I was now covered by a different program, and that I was not to worry.

Long story shortened, I have a temp. MediCal card coming by Saturday and a permanent one from the State is due in three weeks.

Big sigh of relief here.
Ghost

climber
A long way from where I started
Apr 3, 2019 - 06:51pm PT
Ghost Yeah... I had one where they billed me later for services my doctor said should be covered. But I procrastinated (mostly just ignored it) the subsequent billing, even after it went to collections. Eventually I got a statement requesting to pay a reduced amount

In my case, I did not procrastinate. I was all over them, all the time, with the question: "What service are you billing me for?" Of course, I knew, and they knew, that there was no service. That they were simply asking me to pay $2K for walking through their door. But I wanted to make sure that, if it ever came to law, I could point to a long trail of honest attempts on my part to sort it out.

BTW, How is your eye?

I was fortunate that the doc in the eyeglass retail place was as good as he was. In addition to what I mentioned above, he managed to get me an appointment in three days with the top vitreoretinal guy in Seattle. A guy I couldn't have talked my way into an appointment with in three months. Top notch care saved partial vision in a case that would normally have led to complete removal of the eye within three months (look up "100-day glaucoma").

Anyway, I'm now back in Canada after almost 20 years in the US, and free of the "healthcare" system you all are stuck with.
Ken M

Mountain climber
Los Angeles, Ca
Apr 3, 2019 - 09:03pm PT
MGuzzy, and the audience:

They even sent a letter to the insurance company explaining why their procedure was better. Either way I wasn't going to budge. I related my story to a friend that worked in the Health coverage biz and he said stand close with the predetermination they gave me. It was my proof the Dentist was informed of the Insurance coverage terms. Finally the Dentist started threatening to turn the bill over to collections.

What may not be clear, is that the bad guy in your story was the dentist, who attempted to pull a "bait and switch".

When you have something like you had done over two days, there are separate charges that kick in for the two days: exam, anesthesia, for example.

When you get it in one day, you don't generate those charges, because you don't provide those services.

He got authorization to do one thing, but then did another thing. He got caught.
Ghost

climber
A long way from where I started
Apr 3, 2019 - 09:28pm PT
formerclimber

Boulder climber
CA
Apr 8, 2019 - 10:01am PT
Installed Android app "Call Recorder" on my phone last week....it automatically records all calls. I don't see an option to play the warning of recording so I verbally warn that the call is being recorded, being in two-party consent state.
Really good to have these recordings (I've been stuck in the web of misinformation and lies by new insurance and also medical group/IPA - in thier system there're 2 levels instead of one to deal with regarding preauthorizations and related questions)
formerclimber

Boulder climber
CA
Apr 8, 2019 - 01:39pm PT
Apr 3, 2019 - 09:45am PT
I saw stats that 30-40% of claims get denied on the first submittal by big insurance companies

A more accurate stat is 14%.

14% might be the average accross all types of plans including government ones.
The above stats belonged to major commercial insurance plans, as I recall.
40% was for Cigna, others like BCBS had around 30%. I don't have the link now - saw these stats in 2017 (and may be they'd improved since). Also, stats might include denial upon the 1st submit attempt - sometimes a simple resubmit can be paid without appeal (one tactics they use is to reject the 1st attempt with "no patient record found" while valid info was submitted - this doesn't even register on the insurance side as a rejection officially so will fall through the stats on the insurer's side)

A couple of reports:
Until the Government Accounting Office (GAO) issued a report in 2011, there were no official or comprehensive statistics on how often insurers denied coverage for prescribed treatments. The GAO’s study, which reviewed data on insurers in six states, found that the rate of coverage denial varied significantly across insurance providers, from 6 to 40 percent.
    this was data for "six large insurers"

ACA transparency data show denial rates by issuers were highly variable, ranging from 1% to 45% of in-network claims.


Earlier info:
Nationwide data collected by HHS from insurers showed that the aggregate application denial rate for the first quarter of 2010 was 19 percent, but that denial rates varied significantly across insurers. For example, just over a quarter of insurers had application denial rates from 0 percent to 15 percent while another quarter of insurers had rates of 40 percent or higher.

From 2002 through June 30, 2009, six of the largest insurers operating in California rejected 47.7 million claims for care – 22 percent of all claims.

My personal experience with, say, imaging/tests was around 30% denials, either doctors or myself appealed with success.
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