RE: What has your party done lately that you support? (Full Version)

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provfivetine -> RE: What has your party done lately that you support? (1/17/2012 11:29:12 AM)

quote:

ORIGINAL: Musicmystery
Raising the pool size, the healthy subsidizing the unhealthy, is exactly what insurance is all about.


Yes/No.

Raising the pool size--provided that the new participants are healthy--is a good thing (you will have additional premium income, which could reduce costs and the premium itself); but when you add a bunch of unhealthy applicants to the risk pool then it isn't a good thing (you will have additional premium income but these people will take more claims, which results in higher costs).

Think of it this way: say an insurance company denies coverage to those that smoke. This allows the company to charge non-smokers less, since the use of tobacco represents an increased risk. Then the government comes in and says "no denying coverage based on pre-existing conditions." In this situation, the real losers here are the non-smokers, who now face higher premiums while the smokers face lower ones. This isn't just applicable to smokers; it's applicable to those that have poor diets, to those that don't exercise, etc.

Socializing the risk pool means more claims and less revenue. This is especially true since the bulk of the new participants will be poor and won't contribute to the pot in the first place, but will be parasitically draining the system. How is adding demand and socializing the risk pool--while doing NOTHING to increase supply of physicians/hospitals/equipments/drugs/vaccines/etc--going to to bring about a better health care system? Single Payer only benefits the unhealthy and the poor at the expense of the healthy and middle class/rich.





LaTigresse -> RE: What has your party done lately that you support? (1/17/2012 11:29:52 AM)

It is obvious you've never had a career in insurance.




Lucylastic -> RE: What has your party done lately that you support? (1/17/2012 11:31:37 AM)

so sick people cant now get healthcare just cos they are sick?
so do nothing just save money?
oh wow its worse than I thought




provfivetine -> RE: What has your party done lately that you support? (1/17/2012 11:49:44 AM)

quote:

ORIGINAL: tazzygirl

What you are doing is equating Universal Health Care with "Free" health care.



LOL. Come on. There is no such thing as "free" health care, and I would never liken the two.

I suppose the term "universal health care" is rather subjective, but for me it means that anyone in the country is able to access any common treatment. Obviously, I don't mean that everyone has a right to things like laser eye-surgery, breast implants, or a right to surgery from the most prestigious physician; rather, I mean that a person would have the "right" to basic care and any related ailments (care as an infant, primary care as a adolescent/adult/senior, basic vaccines/drugs, and treatments related to common illnesses).

Most of the countries that purport to have universal health care do not have universal access for all people in their given jurisdiction. It is not right for any particular country to claim that they have universal coverage when they do not.

Do agree with my definition? If not, then what is universal health care to you?




Musicmystery -> RE: What has your party done lately that you support? (1/17/2012 11:51:14 AM)

quote:

What do these countries have in common that differs from the US? A lot. Heres a few:

1. Population - Outside of Japan (I will get to that shortly) there is no country on that list with a top 20 population. This makes it much easier to implement for obvious reasons. There is a reason that China, India, Indonesia, Brazil, Pakistan, Nigeria, Russia, etc are not on that list. How the hell are you supposed to have a single payer system in a country of 300 million plus?

2. Ethnicity - In addition to small population size, these countries are all largely ethnically homogenous - certainly much moreso than the US. Norway is composed mostly of Norwegians, Japan mostly of Japanese, etc. This makes poltical/economic/social issues easier to resolve than it would be in ethnically diverse countries. (Think about it: the divide in America today is largely the white middle class vs. blacks, hispanics, and guilt-ridden white liberals.)

3. Health - In addition to the population figures and homogeneous ethnicity, the Americans have a problem that other countries don't have: horrible health. That's right. Those Swedes, Japs, Norweigans, Canadiens, Aussies, and the rest of the countries on that list are not fat slobs that eat poor diets and don't exercise. American health care costs would be vastly more expensive than those in other countries because of this. Single payer also will worsen the financial picture as it socializes the risk onto everyone in society instead of the pre-approved insurance pool; it encourages recklessness since everyone is covered regardless of the health/lifestyle choices.

4. Divide in opinion - Unlike all those other countries, single payer health care does not have majority support in the US. Why would a single payer system be introduced when many people don't want it?


What you have here is a set of assumptions. Population...so a successful insurance company, for example, would fail by having millions of customers? Numbers is the point of insurance. Ethnicity...an irrelevant point, not to mention the assumption of your breakdown. Health...we have disease treatment system, not a health care system. That could start to change with affordable options. Instead of going to the ER with blocked arteries, more people would have annual checkups, for instance. Opinion...this is debatable, and the polls are so partisan that data in either direction will be dismissed by readers from the other persuasion.

But the main point is---the comparison to other countries is also irrelevant. What we have now was a creative and innovative idea for an age when insurance coverage was reserved for the wealthy. But the times have changed, and what was good for a few leading companies is not a viable plan universally. The model will have to change. If not single payer, another one, but single payer is the only other option beyond status quo, and status quo is ever rising costs.

What the Supreme Court or the States do with 2014 is also irrelevant. The status quo is unsustainable, and when it crashes, it will be replaced with a single payer system, simply because the other option, no healthy care options, is certainly not supported by the majority.




Musicmystery -> RE: What has your party done lately that you support? (1/17/2012 11:53:01 AM)


quote:

ORIGINAL: LaTigresse

It is obvious you've never had a career in insurance.

Was thinking the same thing.




provfivetine -> RE: What has your party done lately that you support? (1/17/2012 11:53:07 AM)

quote:

ORIGINAL: LaTigresse
It is obvious you've never had a career in insurance.


+1 for your rigorous style of argumentation. How does insurance work?




tazzygirl -> RE: What has your party done lately that you support? (1/17/2012 11:59:08 AM)

quote:

I suppose the term "universal health care" is rather subjective, but for me it means that anyone in the country is able to access any common treatment.


That is my definition as well. Where we differ is that you believe its impossible, when I know its extremely possible.




LaTigresse -> RE: What has your party done lately that you support? (1/17/2012 12:32:32 PM)

quote:

ORIGINAL: provfivetine

quote:

ORIGINAL: LaTigresse
It is obvious you've never had a career in insurance.


+1 for your rigorous style of argumentation. How does insurance work?


I tell you what. You do what I did. Take the $ 600.00 class, then take the literature home and study every free second you have for the next two months, then pay $150.00ish dollars (it's been a few years and I don't remember what the exact cost was) to take a test so that you can become licensed. Keep in mind, if you fail the test, you have to wait, then pay again, to retake. Then hook up with an insurance provider like Wellmark, fill out a bunch of paperwork, let them do a criminal background check on you. Then, get your ass out there in the trenches and start trying to convince people your shit is better than everyone else's shit, so that you can get whatever commission the provider agreed to pay you. Depending upon the company, it may take awhile. Then, when your client, gets a claim denied because they lied on their insurance application, or because the doctor's office or hospital filled out the claim forms wrong, OR because the insurance companies look for every excuse to deny a claim anyway.........and your client is bitching every way but Sunday and mad as hell (often rightly so) wanting YOU to fix it, but the provider, who's office is someplace far far away from both you and your client (aka safe from your clients wrath.......unlike you...) tells you that your client must be the one to call them and........in the mean time you've got to keep taking classes, usually expensive and usually not anywhere near home, to remain compliant......... FINALLY.....after a couple years of that hell, decide that all insurance companies suck hind tit and you want a totally different occupation.

Because I am not going to have gone through all that shit and let some internet knucklehead benefit from it because he is too lazy to do the work himself.




provfivetine -> RE: What has your party done lately that you support? (1/17/2012 12:37:32 PM)

quote:

ORIGINAL: Musicmystery
What you have here is a set of assumptions. Population...so a successful insurance company, for example, would fail by having millions of customers? Numbers is the point of insurance.


Numbers are meaningless with insurance if those additional participants represent higher risk, which is exactly what moving towards a single payer system would do. Who are the people with out insurance that would be added to the pool if the US adopted a single payer? The poor, people that can't afford health care, people that were previously denied because of pre-existing conditions, etc. These people all represent increased risk and an increased strain on the system. They will consume more than they put in. This will cause costs to rise even faster than the status-quo that you want to get away from.

quote:

ORIGINAL: Musicmystery
If not single payer, another one, but single payer is the only other option beyond status quo, and status quo is ever rising costs.

What the Supreme Court or the States do with 2014 is also irrelevant. The status quo is unsustainable, and when it crashes, it will be replaced with a single payer system, simply because the other option, no healthy care options, is certainly not supported by the majority.


What the Supreme Court does is not irrelevant, that's absurd. If the Supreme Court nullifies it, then your single payer dream will be blown up in front of your eyes and it won't be resurrected for a while. If the Supreme Court finds it constitutional then you'll see the biggest division in this country since 1865. This SCOTUS decision, while it might be news to you, is actually a big deal.

Also, why is single payer the only option? You never explain this. You just fall back on the whole "majority" approves of it nonsense. It won't matter if a single-payer system is supported by the majority because you can't run an economy based on Ponzi-Scheme economics.




provfivetine -> RE: What has your party done lately that you support? (1/17/2012 12:39:00 PM)

quote:

ORIGINAL: tazzygirl
That is my definition as well. Where we differ is that you believe its impossible, when I know its extremely possible.


It's not impossible to implement, but it is impossible to control costs.




Lucylastic -> RE: What has your party done lately that you support? (1/17/2012 12:40:10 PM)

The poor, people that can't afford health care, people that were previously denied because of pre-existing conditions, etc. These people all represent increased risk and an increased strain on the system. They will consume more than they put in. This will cause costs to rise even faster than the status-quo that you want to get away from.

what do you do with them???




tazzygirl -> RE: What has your party done lately that you support? (1/17/2012 12:40:22 PM)

quote:

If the Supreme Court finds it constitutional then you'll see the biggest division in this country since 1865.


LOL

Thats the biggest?

We definitely have different standards.




tazzygirl -> RE: What has your party done lately that you support? (1/17/2012 12:42:05 PM)


quote:

ORIGINAL: provfivetine

quote:

ORIGINAL: tazzygirl
That is my definition as well. Where we differ is that you believe its impossible, when I know its extremely possible.


It's not impossible to implement, but it is impossible to control costs.


Actually, cost control would be relatively easy. Universal Health care would mean one system, one party paying. Double billing.. easy to spot. Price gouging, almost impossible. Less chances of errors in coding. Less paperwork.

There are a multitude of benefits.




tazzygirl -> RE: What has your party done lately that you support? (1/17/2012 12:44:31 PM)

quote:

The poor, people that can't afford health care, people that were previously denied because of pre-existing conditions, etc. These people all represent increased risk and an increased strain on the system. They will consume more than they put in. This will cause costs to rise even faster than the status-quo that you want to get away from.


So your solution is to let them die.

What about those who paid in faithfully, to be denied at the end because they forgot to mention a sinus infection?

When you take a look at the profits Insurance companies make, at the costs of their buildings and upgrades, at the price tags on the fancy artwork and lawn maintenance, at the rentals in high rise office buildings, at the bonuses paid out yearly to executives who get paid to find ways to deny....

There is plenty of money.




provfivetine -> RE: What has your party done lately that you support? (1/17/2012 12:49:13 PM)

quote:

ORIGINAL: LaTigresse
I tell you what. You do what I did. Take the $ 600.00 class, then take the literature home and study every free second you have for the next two months, then pay $150.00ish dollars (it's been a few years and I don't remember what the exact cost was) to take a test so that you can become licensed. Keep in mind, if you fail the test, you have to wait, then pay again, to retake. Then hook up with an insurance provider like Wellmark, fill out a bunch of paperwork, let them do a criminal background check on you. Then, get your ass out there in the trenches and start trying to convince people your shit is better than everyone else's shit, so that you can get whatever commission the provider agreed to pay you. Depending upon the company, it may take awhile. Then, when your client, gets a claim denied because they lied on their insurance application, or because the doctor's office or hospital filled out the claim forms wrong, OR because the insurance companies look for every excuse to deny a claim anyway.........and your client is bitching every way but Sunday and mad as hell (often rightly so) wanting YOU to fix it, but the provider, who's office is someplace far far away from both you and your client (aka safe from your clients wrath.......unlike you...) tells you that your client must be the one to call them and........in the mean time you've got to keep taking classes, usually expensive and usually not anywhere near home, to remain compliant......... FINALLY.....after a couple years of that hell, decide that all insurance companies suck hind tit and you want a totally different occupation.

Because I am not going to have gone through all that shit and let some internet knucklehead benefit from it because he is too lazy to do the work himself.


Just because you've had a job in the insurance industry doesn't mean you understand the economics of insurance (clearly you don't). Sorry to see that you've wasted your money learning jargon and clouding your mind.

You can understand this for free here and by watching this video: http://www.youtube.com/watch?v=ULnDUZl85V0




LaTigresse -> RE: What has your party done lately that you support? (1/17/2012 12:59:39 PM)

No thank you. I understand perfectly. Nothing was wasted. I made a very good living while I could stomach the industry and you have absolutely no idea of my knowledge base. Although I can understand your attack, as your words show quite clearly your lack of understanding. I also understand the foolishness of clicking on links provided by random internet knuckle heads.




Musicmystery -> RE: What has your party done lately that you support? (1/17/2012 1:09:51 PM)

quote:

Numbers are meaningless with insurance if those additional participants represent higher risk, which is exactly what moving towards a single payer system would do.


If. You're assuming your data. We've had this discussion before.

Many healthy people are currently outside the system. Greater numbers, depending on location and current state requirements, lowers the cost.

quote:

What the Supreme Court does is not irrelevant, that's absurd. If the Supreme Court nullifies it, then your single payer dream will be blown up in front of your eyes and it won't be resurrected for a while.


Not at all. We are discussing the long term sustainability here, and Supreme Court decisions rule only on current law--they do not change the underlying economics. For a while...that may be. Again, the status quo is unsustainable. It's when, not if.

quote:

why is single payer the only option? You never explain this.

I would think that's obvious. What other options are there on the table? Seem to be (1) oppose insurance (2) cut insurance (3) status quo (4) single payer. If there's another choice, no one's proposed it yet.

quote:

You just fall back on the whole "majority" approves of it nonsense. It won't matter if a single-payer system is supported by the majority because you can't run an economy based on Ponzi-Scheme economics.

Now you're proposing motives. Not at all--I don't give a fuck about the opinion percentage...this is about economic sustainability for the long term.

The Ponzi thing is just silly. Money is flowing in to cover costs for benefits received. It's called insurance. If you want to play with Ponzi labels, hit tax cuts--current benefits at the expense of later payers.




VideoAdminGamma -> RE: What has your party done lately that you support? (1/17/2012 2:33:59 PM)

Just a reminder that the National Healthcare debate topic is over there >>>>>>>>>>>> http://www.collarchat.com/m_3998322/tm.htm

Thanks,
VideoAdminGamma




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