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RE: What the hell just happened? - 10/23/2009 12:16:51 PM   
willbeurdaddy


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quote:

ORIGINAL: cadenas



Exactly my point. By allowing out-of-state insurance companies, the rules would cease to be the same. Just look at what Delaware did for the credit card regulations on a nationwide scale.

Out-of-state insurance companies can already offer their polices anywhere they want. The only difference is that right now, they have to comply with each state's laws.




The rules would be the same if Federal law controlled, thats the whole point of regulating interstate commerce. And its precisely compliance costs with disparate laws that stifles competition.

(in reply to cadenas)
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RE: What the hell just happened? - 10/23/2009 12:18:26 PM   
willbeurdaddy


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quote:

ORIGINAL: cadenas


As a matter of fact, it is. Private health insurance companies waste as much as 30% of premiums on overhead (compared that with the 4% overhead in Medicare. Or even less from medical malpractice).




Already shown to be a bullshit comparison.

(in reply to cadenas)
Profile   Post #: 62
RE: What the hell just happened? - 10/23/2009 11:45:04 PM   
cadenas


Posts: 517
Joined: 11/27/2004
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quote:

ORIGINAL: willbeurdaddy

quote:

ORIGINAL: cadenas
Exactly my point. By allowing out-of-state insurance companies, the rules would cease to be the same. Just look at what Delaware did for the credit card regulations on a nationwide scale.

Out-of-state insurance companies can already offer their polices anywhere they want. The only difference is that right now, they have to comply with each state's laws.


The rules would be the same if Federal law controlled, thats the whole point of regulating interstate commerce. And its precisely compliance costs with disparate laws that stifles competition.


Thank you for confirming what I said: the whole point of this push for out of state insurance is to eliminate the protections put in place by states and create an almost completely unregulated health insurance industry.


(in reply to willbeurdaddy)
Profile   Post #: 63
RE: What the hell just happened? - 10/24/2009 12:31:53 AM   
cadenas


Posts: 517
Joined: 11/27/2004
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quote:

ORIGINAL: samboct

"Actually the study recently done on how medical administration is done at the Mayo clinic disproves this. In a hospital that a Doctor has a financial interest in, there are significantly more tests run than in hospitals where the doctors only receive a salary. Now some of those doctors that are ordering tests to boost their income, may say it is to prevent litigation, but studies show otherwise. If you want the link just use the search function for a topic started by me about health care costs."

I looked for that link- I got an ABC news story.

Furthermore- the Mayo model proves only that salesmanship works.


I think that was his point. It's salesmanship, not litigation, that drives unnecessary diagnostics.

quote:

ORIGINAL: samboct
Following reasons:

1)  Medical centers of excellence offer wonderful care to the people who can get there.  Lots of the population can't.
2)  Docs at the Mayo clinic are good targets for salespeople flogging expensive toys.  Docs in the middle of North Dakota are not.  Think that the business model of a doc in North Dakota might be a little different than at the Mayo clinic?


Huh? For one, the Mayo Clinic is pretty close to North Dakota, in Minnesota. And wasn't one of the claims of conservatives that we had the greatest health care system in the world? If North Dakota really has such poor health care, maybe there is a real problem here.

Realistically, though, the army of pharmaceutical sales reps visits pretty much all of the USA.

quote:

ORIGINAL: samboct
3)  All docs are terrified of lawsuits.  I've done enough primary data gathering- i.e. asking questions of enough docs to feel pretty confident on this one.


Primary data gathering? Enough docs? How many cities and states have you visited, how many docs have you interviewed, what methodology did you use?

quote:

ORIGINAL: samboct
One way to avoid discussing a topic is to make sure that there isn't good data.  Who would collect the data on the medical profession as a whole- who would write the check for the study?  Hasn't been done, so we're forced to extrapolate from smaller groups to the profession as a whole.


Actually, the Congressional Budget Office has done exactly that, and I already cited their study.

quote:

ORIGINAL: samboct
At Hartford Hospital in CT- all the orthopedic surgeons on staff have either got a lawsuit pending, or have had one in the past 10 years.  This is a well respected hospital with good docs.


Please substantiate that claim. I have only found one single lawsuit against that hospital, and that was clearly legitimate from a horrendous case in their psychiatric ER.

And you are talking about the same well-respected hospital that overbilled Medicare for almost a million dollars?

And the same hospital whose own former president died of an infection acquired in the hospital? He had been released without the infection even being diagnosed. The family declined to file a lawsuit.

quote:

ORIGINAL: samboct
"You mean, they want to cover their ass because they know that they are exposing their patients to the risk of an undiagnosed diseases. Got it. Personally, I call that cutting corners."

I don't- I call figuring out what tests are medically reasonable: good medicine.  Docs should not be ordering tests to cover the possibility of something with less than a double digit chance of occurring.  If every doc practiced medicine as in the TV show House- medical costs for the country would be orders of magnitude higher than they are now.  Luckily, most of us don't have such complex ailments.


Quite honestly, that's BS. Medical liability lawsuits are about deviating from accepted standards of care, not about all possible tests under the sun.

For instance, let's look at the single lawsuit I have found against the Hartford Hospital (the hospital you cited earlier as "well respected with good docs"). The patient, Marcia Maglisco, had drowned her 2-year old grandson, called 911 and told dispatchers that she was psychotic and suicidal. Yet the hospital did not even bother evaluating her mental state. Three days later, she committed suicide.

Now when somebody drowns her grandson, is obviously psychotic and says so herself - then there is a bit more than a "double-digit chance" of her having a serious mental ailment.


(in reply to samboct)
Profile   Post #: 64
RE: What the hell just happened? - 10/26/2009 6:36:06 AM   
samboct


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"Huh? For one, the Mayo Clinic is pretty close to North Dakota, in Minnesota. And wasn't one of the claims of conservatives that we had the greatest health care system in the world? If North Dakota really has such poor health care, maybe there is a real problem here."

If you have to drive 6 hours to get to a doc- that's a problem.  In terms of the claims of conservatives that we had the greatest health care system going- well, that ain't me, so I fail to see the relevance.  My comment is that we spend more money than anybody else and get mediocre health care- except for the few at the top.

"Realistically, though, the army of pharmaceutical sales reps visits pretty much all of the USA" 

No- they don't.  It's a business and they stick to the population centers where there's a high enough concentration of patients to afford the newest toys.  Drug salesmen may be a different story and I can't comment.  It's also not relevant- physicians should be prescribing drugs based on patient needs, not on whether they like the detail person from the pharma company. Furthermore- my point was that a doc in a rural area needs a different business model than a doc in a population center- you can't expect the same level of care in a cancer clinic that you'd find in Podunk Idaho, than say the Fred Hutchinson Center in Seattle.

"Primary data gathering? Enough docs? How many cities and states have you visited, how many docs have you interviewed, what methodology did you use?"

I've done market research for a number of years.  Primary data gathering involves interviewing selected subjects on a topic- secondary are publications ranging from mainstream literature to scientific journals.  Often primary data gathering can be more accurate than publicly collected information- a good market research report will be both more informative and more accurate than data collected using SIC codes in a number of cases.  I have personal connections to the medical establishment.  Were this a different board, I'd identify myself, so you couldn't claim I'm hiding behind a wall of anonymity.  I've talked to several dozen docs.  You can certainly claim that I don't have a representative sample and you'd be right.  Nevertheless, I'll bet my extrapolation is closer to the truth than your CBO study.

"Please substantiate that claim. I have only found one single lawsuit against that hospital, and that was clearly legitimate from a horrendous case in their psychiatric ER."

My data as noted earlier are from primary interviews, not mainstream media, which tend to report on things that will sell newspapers.  That you could only find one lawsuit involving a major hospital should have sent alarm bells ringing- the number is way too low.  Look at all the ads for ambulance chasers on late night TV.  Do you think those lawyers are making no money?  Which docs are getting sued?  How could a major metropolitan hospital have only one lawsuit in the hundreds of thousands  (millions?) of patients treated?

"Quite honestly, that's BS. Medical liability lawsuits are about deviating from accepted standards of care, not about all possible tests under the sun."

ABSOLUTE NONSENSE!!

Medical liability lawsuits are about making money- nothing more.

From the hospital that you say only has one lawsuit-

Elderly woman with money walks into see a plastic surgeon- wants a scar fixed.  She's a vain old lady.  She's also on coumadin (sp?)- a blood thinner to prevent stroke.  The surgeon tells her he can fix the scar, but there's a risk involved since she has to stop taking the drug.  She assents- and strokes out.  There are heirs, some of whom are unhappy with the will- and needless to say- there's a lawsuit against the doc who took her off the drug.  Yet the surgeon did nothing wrong- assuming that informed consent means anything.  Everybody knows this- but there's still a lawsuit.

You want an example of how lawsuits hobble development?  A nationally recognized hand surgeon hung up his practice after his last lawsuit.  He worked out of DC, and occasionally saw some inner city patients.  He developed some new techniques to increase mobility in fingers damaged by scarring that had limited bone growth involving cutting the bone, using splints and spreaders to force the bone to grow.  Not a pretty or a painless process, but the end result was a hand that had far more utility than other methods.   He told a patient that it was unlikely to solve her problem with a single operation- odds were that whe'd need more than one.  He did the first- patient was unhappy with the outcome since she needed a second- and she sued.  He hung it up- that was the straw that broke the camel's back.

That docs get sued when practicing good medicine is a major factor driving up the costs of health care today.  Docs don't operate in an information vacuuum, this knowledge gets disseminated and is chilling.  Hence my comment that all docs are scared of lawsuits- or they're idiots.  OK, their are probably a few specialties where it's not a problem like pathology.  Furthermore, the threat of lawsuits along with the rising cost of a medical education and its increasingly narrow focus (they don't teach gross anatomy any more) has been pushing eager young med students to specialize early on.  But a doc practicing in a rural area or even a suburban area where travel times prohibit using a center of excellence really need a good basic grounding in the fundamentals of medicine.  In short, we need more G.P.s and internists- and the threat of lawsuits is one more reason why students aren't going there.  Fear of lawsuit probably leads to more mistakes and certainly leads to wild overkill in the testing done.

From your previous post that you want the doc to order tests for you when your sick that cover all the bases....

Well, let's use the restaurant analogy because it works well.  Ten people go out to a restaurant, half order steak and wine, the others order burgers and beer.  From one of the steak eaters comes the suggestion- let's split the bill which comes to $25/head.  The steak eaters say great- I got a steak and wine for $25- what a deal!  The burger eater says- Man, I just had a $25 burger and beer- this sucks.  Next week, 7 people order steak, and the bill comes to $30 a head....

If you don't have to pick up the cost of the extra tests yourself- you're happy to have them done.  I'm not- yet the system makes me pay for your extra tests.  There's no incentive for you not to make such a demand and there needs to be be.


Sam

(in reply to cadenas)
Profile   Post #: 65
RE: What the hell just happened? - 10/26/2009 8:39:38 AM   
willbeurdaddy


Posts: 11894
Joined: 4/8/2006
Status: offline

quote:

ORIGINAL: cadenas

quote:

ORIGINAL: willbeurdaddy

quote:

ORIGINAL: cadenas
Exactly my point. By allowing out-of-state insurance companies, the rules would cease to be the same. Just look at what Delaware did for the credit card regulations on a nationwide scale.

Out-of-state insurance companies can already offer their polices anywhere they want. The only difference is that right now, they have to comply with each state's laws.


The rules would be the same if Federal law controlled, thats the whole point of regulating interstate commerce. And its precisely compliance costs with disparate laws that stifles competition.


Thank you for confirming what I said: the whole point of this push for out of state insurance is to eliminate the protections put in place by states and create an almost completely unregulated health insurance industry.




What I said in no way confirms that.

(in reply to cadenas)
Profile   Post #: 66
RE: What the hell just happened? - 10/26/2009 8:59:04 AM   
MrRodgers


Posts: 10542
Joined: 7/30/2005
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quote:

ORIGINAL: DarkSteven

After years of everyone arguing about what can be done to relieve the high cost of health care, the HMOs did a hatchet job on the upcoming bill.  In retaliation, the Dems are scuttling a provision that makes the health care providers immune to antitrust actions.

WTF?!?!?!?  They are allowed to collude to keep prices high?!?!?!?  Doesn't anyone think that THAT might be a reason that the prices are high?

I have no idea what effect the bill itself will have on affordability, but removing the HMOs'a ability to collude oughta do something...

You begin to see these points out of the general ignorance about the country's economic history and the legal regime it created.

I guess the respect people have generally for others prevents us from realizing that the US and very few of our closest allies, is UNIQUE among nations...has ONE defining culture...MONEY. 'America means business' in translation means Americans (certain few) are ALL about money and a profit.

ALL reform in this country is about re-arranging profits, i.e., money. We are ALL to genuflect at the alter of profits. Why do you think wall street is back to 10,000 while businesses are letting go 100's of 1000's of workers ? It is markets, investments that have never served society, they serve investors...the profiteers and ONLY the profiteers.

The McCarren-Ferguson act of 1945 gave the insurance companies exemption from anti-trust laws. So this is 64 years of obscene profits and that act helped create the cash-richest industry and has been ever since. Read our economic history and read how in almost every case we get unmitigated bullshit from those in power anywhere in govt. or business.

They don't want a free market they want their market and will buy govt. (plutocracy) in order to get it.

(in reply to DarkSteven)
Profile   Post #: 67
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