RE: Why is US medical care so expensive? (Full Version)

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mcbride -> RE: Why is US medical care so expensive? (3/6/2012 12:07:26 PM)

Aw, Des, I loved that. "Government provided health care is still just another insurance company"? If they are, I love my "insurance company", which moonlights as my provincial and federal governments.

I was in hospital seven times in 18 months, some of them longish stays. Some pricey machines whirred away on my behalf. I couldn't keep the names of the various specialists straight; too many appeared. Total cost: zero. Invoices presented: zero.

My health premiums? Zero.

This insurance company doesn't have to pay to advertise, or lobby, or sign up clients. Since it represents everyone in the country, it can cut some very good deals with drug companies, and other providers of technology and care. It doesn't have to spend thousands of hours on the phone, telling doctors what it won't provide.

It doesn't have to tell me what doctor I can go to, or what hospital. I can go to whichever I pick. It doesn't have to defend itself in court for failing to provide what it contracted to provide. it has no "Stop Loss" point for me, and can never cancel my coverage.

And it gets better measurable health outcomes than those places that rely on for-profit insurance companies. Oh, and it does all this for far less than the cost in those places that rely on for-profit insurance companies. Great, great company.

I gotta tell ya, I like it.

You make some excellent points, btw, but there really is a way to pay less and get more.




PeonForHer -> RE: Why is US medical care so expensive? (3/6/2012 12:24:34 PM)


quote:

ORIGINAL: mcbride

Aw, Des, I loved that. "Government provided health care is still just another insurance company"? If they are, I love my "insurance company", which moonlights as my provincial and federal governments.


Then Government-provided security forces are another kind of insurance company, I suppose.

It's fun going down this track, isn't it? Where does supporting the public funding of one kind of service against another stop being an upright, patriotic and true American thing to do, and start being a commie, freedom-hating thing to do? Weird.






MrRodgers -> RE: Why is US medical care so expensive? (3/6/2012 12:43:49 PM)


quote:

ORIGINAL: Musicmystery

Words are so much easier when you make up their meanings as you go along.

Sounds like our tax code.




Musicmystery -> RE: Why is US medical care so expensive? (3/6/2012 12:58:33 PM)

Why did you think they call it "code"?




Moonhead -> RE: Why is US medical care so expensive? (3/6/2012 1:01:54 PM)


quote:

ORIGINAL: PeonForHer
Where does supporting the public funding of one kind of service against another stop being an upright, patriotic and true American thing to do, and start being a commie, freedom-hating thing to do? Weird.

As soon as a Democrat starts doing it, obviously.




DesideriScuri -> RE: Why is US medical care so expensive? (3/6/2012 1:22:52 PM)


quote:

ORIGINAL: tazzygirl
I heard that cock and bull story about how physicians would leave this country in droves if it was passed at all. Yet, no such mass exodus occurred. When you can prove that theory, do let me know.


I didn't hear that they would if Obamacare was passed at all. Most typically it's heard when you start talking about reducing reimbursement rates and/or not increasing them as inflation runs its course. Since the Doc Fix bills keep passing (not sure how that's excluded from health reform) and Obamacare isn't in full swing yet, you aren't likely to see Dr.'s leaving in droves. That may never happen, but if Medicare reimbursement rates are cut, you'll see a great deal fewer doctors willing to take on more Medicare patients.

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Its as much of a right as your right to be free... which is why you trimmed that part of my post.


Nope. What I cut out had nothing to do with how healthcare is a right. And, it's not a right. Period. No one gives me my right to be Free. Government (and government various agencies) protect my right to be Free. Everyone has access to medical care. The only thing PPACA did was charge more to some so others can either pay nothing, pay less, or pay little for that care. It isn't increasing access. It's just shifting costs.

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The same way they sued over wrongful deaths when the AIDS scare was in its heyday. Did the insurance companies cause their aids? Nope. They denied them care. There wasnt a single person at those insurance companies who caused their disease, wasnt a single person who could have cured their disease, yet they were held accountable for denying care to those who needed it.

Because something is not curable is no excuse, no matter how much you want it to be true to make your argument valid.


Links, please.

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Ma Bell? Please do explain how Ma Bell had something to do with our current financial issue.


Ma Bell... the mega-corporation that outgrew itself and screwed everyone with their rate hikes time and time again... all because they could.. until it was finally shut down and forced to give up its strangle hold on their customers. It was allowed to grow unchecked... which is one of the basis for your free market capitalistic system... and it failed.


Yes, in totally free Free Market Capitalism, there is no regulation at all, and monopolies can exist. However, what I have said time and time again, is that there is a necessity for government regulation, to a certain degree, but that we are already well past that point. Prevention of monopolies is one of those necessary government regulations. See, now? If you would have actually given me credit for what I state, and asked me about it, you wouldn't be making these mistakes, over and over.

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That can't be, though, right? Have your mortgage experts talk to mine and we'll see what comes out of it. I have my info directly from mortgage brokers during the run up, and eventual collapse. But, what do they know, right?


They know enough to lie to cover their asses.


Yeah. That's what they did. Great way to rebut the story.

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Obviously, you already know that answer to be no. There isn't one out there.


Then explain to me how you are so absolutely sure this is the best thing for anyone.
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Because Capitalism is what has driven the US's rise to the economic leadership position we are still in. Interesting to note: China's current economic expansion was created by their government reducing their stranglehold and adopting more capitalistic measures. Of course, that probably has nothing to do with it, right?

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Do you not pay any attention to what is happening in Europe? The riots in Greece, Britain, Spain, Italy, or France when their Government starts to make changes to keep financial matters in check? Anything? The disquiet in Germany over having to spend more to help out Eurozone country/ies?


Its not as simple as you wish to make it out to be. Riots? Yup, well aware. Unrest, completely aware. I was one calling for the US not to bail out any corporation, instead, for having the government take them over.


The amazingly effective, "Nuh Uh" argument. Brilliant! And so you know, I was calling for the bailouts to not happen. When Bush bailed out Bear Stearns in the Spring of '08, that was my final wake-up call. Instead of being a political ignorer, I started reading, and reading, and reading. The bailout of the auto companies was even worse. Everyone bought into the hysteria that if we don't bail out the auto companies, the auto industry would fail to exist in the US. Never was mentioned that someone could purchase parts of GM or Chrysler and continue to make cars. Ford didn't take a bailout for 2 main reasons. First, it came with too many Government strings, and secondly, they didn't absolutely need it (much of their restructuring occurred prior to the auto bailouts, so they were already on much more stable financial footing to begin with) to stay open.

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Before you get to Europe, you will have to understand the European mindset. Germans actually have a very fiscally conservative personal manner. I was surprised by some of the stories I hear from a friend who is working over there. Very eye-opening, both in his care costs (he has to pay and get reimbursed by his US-based insurance) and in the conservative consumption over there.


What does that have to do with our health care system? Each country runs its own, a different way. Just because your friend in Greece isnt happy with his doesnt make someone else in another country not happy with theirs.


He's in Germany, first off. And, I never mentioned him not being happy with the health care system in Germany. The opposite is actual true. He loves it, and is also a huge proponent of national health care for the US.

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You can't have our level of Freedom and Liberty along with a European-style national health care system. They are incompatible.


Ah, there is your mistake. Who said I was advocating for an European-style NHS?

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In actuality, if we had the conservative consumption qualities of the Germans, it is my opinion that health care would not cost quite as much, and more people would be able to afford their own care simply because they have more of their own money.


lmao... by returning the 25-27% people pay out of their paychecks in taxes? I need to talk to your accounting people.. they are miracle workers.


Huh? I have no idea what that has to do with the conservative consumption of Germans.




DesideriScuri -> RE: Why is US medical care so expensive? (3/6/2012 1:24:53 PM)


quote:

ORIGINAL: tazzygirl
Oh, I dunno... lets start by getting rid of the over priced art work inside, and outside, some of the hospitals we see. Then, we get rid of the shareholders who have to be paid. Get rid of the high cost bidding wars that come with construction and maintenance of those facilities. Then we get rid of over-billing, double billing, delayed payments, blanket denial rubber stamping. End Doctors involvement in outside interest such as free standing labs and radiology.

You have just cut out billions of dollars in waste in the health care system. Our health care never should have been allowed to become "for profit".


You mean, like when it was run by religious and other charitable institutions? But, wait...wasn't that what I've been saying is the solution...? Huh. Interesting.




DesideriScuri -> RE: Why is US medical care so expensive? (3/6/2012 1:28:23 PM)


quote:

ORIGINAL: SoftBonds
quote:

ORIGINAL: DesideriScuri
Want to know the truth? I agree with you that CEO's make a ridiculous amount of money. But, why do they make that much? There has to be some economic benefit the CEO is providing over and above his/her salary. Same goes for upper management. While we agree they get paid more than handsomely, we don't know why they garner those salaries.

Why do CEO's get such handsome salaries? Look at "executive compensation boards."
Generally formed of CEO's and former CEO's who have a mandate to ensure that the CEO of the company at question is paid "above the average," or "in the top quarter," of CEO pay in their industry or for similar size companies.
If you are a CEO and want a raise, ask the executive compensation board to meet. You will get a raise.
It has nothing to do with the quality of your work. It is cronyism. Bad luck for shareholders, but great for the CEO's


Didn't I say we agree on CEO compensation being too much? If there is no economic benefit, then shareholders need to take control and replace the exec compensation board. If the can't, they need to change the rules so they can.

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Not sure why bringing this up helps your point, but hey, you still haven't explained why you defend me paying for your health care since I pay for insurance and you don't...
Wait, maybe it is just selfishness???


At what point in time did I ever say that I don't have insurance? You aren't paying for my health care.




DesideriScuri -> RE: Why is US medical care so expensive? (3/6/2012 1:33:57 PM)

quote:

ORIGINAL: submittous
Costs for procedures etc are inflated in the US to create higher profit margins.... Costs to health care providers in Europe and much of first world Asia are similar to ours in Mexico. I wish I wasn't but I am familiar with lots of costs here and have paid out of pocket for everything (with the sometimes successful hope that the VA would reimburse since the diseases involved are 100% service connected). We have available the newest equipment, personnel trained at the best facilities in the US and Europe plus the medical system here competes for customers by having the best product for the dollar and the best results.
Some examples would be a Gamma Knife procedure costing 160.000 pesos (about 14,000 USD at the time), we researched all over the US and the lowest we found was 38k US at a teaching hospital without certified operators, highest was approaching 200,000 USD.
I get PET scans regularly for cancer detection and they cost less than 2k US.... 10 to 20 in the states. MRI's here run about 300 dollars (much like France, Germany etc) and 3 to 4 times that up north.
One real reason you pay so much per capita for health care in the US is you over pay for drugs and services. The solution is complex but the first step would be to change the system so high costs don't profit everyone in the system. For example a doctor charges a percentage of the cost of a procedure so the more expensive the equipment use fee the more they make, insurance companies make a percentage of what they pay out... they'll just charge more to customers to make a higher overall profit. Take the profit motive out of health care like the rest of the first world (they see it as immoral) and let non profit corporations compete for YOUR business instead of competing among themselves for higher profit margins and stock prices. Seems simple enough, corporations should be competing for customer satisfaction instead of profits for investors.


I am sorry you have such an intimate understanding of costs of procedures inside and outside of the US. My only complaint about the VA, is that they don't do enough for veterans. I truly am sorry that you are having as much trouble as you are.

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As to the old saw that profit creates innovation... bullshit, non profit medical companies compete for their jobs and survival just like for profit ones do, but to be the surviving company they have to satisfy customers instead of share holders.


So, you're saying that altruism is the driving force behind innovation? Sorry. Bullshit.




DesideriScuri -> RE: Why is US medical care so expensive? (3/6/2012 1:42:29 PM)

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ORIGINAL: tazzygirl
quote:

And that is exactly why America was exceptional. It wasn't because we were better than everyone simply because we were born here. Our government was the exception. It was designed exactly that way, based on natural rights.

Exceptional????
Are you truly that arrogant????
We are different.... not exceptional.


Did you not read the whole thing? Damn.

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It wasn't because we were better than everyone simply because we were born here. Our government was the exception.


But, see, you didn't even take any of that into account. You simply decided that I was arrogant and meant something other than what I wrote.




DesideriScuri -> RE: Why is US medical care so expensive? (3/6/2012 1:50:39 PM)

quote:

ORIGINAL: slvemike4u
quote:

ORIGINAL: DesideriScuri
quote:

ORIGINAL: kalikshama
quote:

How did we get from 1776 to 1890 without health insurance?

Health care used to be affordable.
[image]http://www.kff.org/insurance/snapshot/images/OECDChart3_1.gif[/image]

So lack of health insurance didn't cause death until after the 70's?
It is my firm belief that the very existence of insurance companies is the largest single factor in costs of health care exploding. Government provided health care is still just another insurance company and will have the same problems in regards to costs.
But, hey, no one really cares what I actually believe.

You finally got something right...but for all the wrong reasons,most of us do not care what you think because you have demonstrated HOW you think.
Once we got a gander at that,and were so unimpressed by the process,we stopped caring [:)]


Yeah, as if anyone cared how I got to what I believed before. And, shall we add, this [insurance companies being a huge driver of costs] is what I've been trying to get someone to actually state. I think it was Tweakabelle that made the comment that health care should never have become "for profit." Interestingly enough, I've been calling for a return to the "not for profit" methods in use prior to health care becoming "for profit." Instead, all I hear is that Government is the only answer possible. Obviously, it isn't the answer. That is exactly the point I've been trying to lead people to without stating it myself. I knew no one would believe me if I said it. But, now, others have said what I've believed the whole time.




DesideriScuri -> RE: Why is US medical care so expensive? (3/6/2012 1:57:33 PM)

quote:

ORIGINAL: PeonForHer
Then Government-provided security forces are another kind of insurance company, I suppose.
It's fun going down this track, isn't it? Where does supporting the public funding of one kind of service against another stop being an upright, patriotic and true American thing to do, and start being a commie, freedom-hating thing to do? Weird.


See, now, the "Common Defence ... of the United States" is actually in the Constitution. That is what differentiates the two services you are comparing.




Phoenixpower -> RE: Why is US medical care so expensive? (3/6/2012 1:58:01 PM)


quote:

ORIGINAL: tazzygirl



as you mentioned something from kaiser I thought to add this link

http://americanindusseldorf.blogspot.com/2006/04/us-healthcare-vs-german-healthcare.html?m=1

in which americans in germany discuss a bit healthcare and Kaiser...




Phoenixpower -> RE: Why is US medical care so expensive? (3/6/2012 2:38:28 PM)


quote:

ORIGINAL: tazzygirl

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What does that have to do with our health care system? Each country runs its own, a different way. Just because your friend in Greece isnt happy with his doesnt make someone else in another country not happy with theirs.

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In actuality, if we had the conservative consumption qualities of the
Germans, it is my opinion that health care would not cost quite as much,
and more people would be able to afford their own care simply because they
have more of their own money.


lmao... by returning the 25-27% people pay out of their paychecks in taxes? I need to talk to your accounting people.. they are miracle workers.


adores da tazzygirl...yep, each european country has its own healthcare
system...

now...lemme enlighten you about our taxes as I did once on another thread:

my salary in december has been: €2547,36
i also got €80,10 bonus paid (generous from boss, as I just started working there in oktober) as well as €122,71 working in the field i am in...

So I got all together in december: €2750,17......

now the taxes [;)] (not being deducted from bonus, so being deducted from the sum of €2670,07 were €382,66

leaving me 2287,41

would be nice actually, but as from that sum I still have to pay
Solidar-Zuschlag (as I write via phone I'm not googling english word for it but we have to pay that to contribute to the costs of the reunification of Germany) another €21 will be deducted...

then I have to pay church tax (as in my job I cant drop out as most employers demand to be church payer[8|]) which are another 30,61 leaving my payslip...

then I paid in that month €218,95 health insurance,
and another 6,57 Euro which went to my health insurance

the retirement fund received €265,67 and 7,97 Euro

unemployment insurance got € 41,25

care insurance got €33,69

and so my salary from originally 2670 went down to 1741,76...

though personally I dont complain as I'm glad I don't have to fear bankruptcy should I ever face a long lasting severe Illness...thats at least what we sometimes hear about the US system in the news...







Phoenixpower -> RE: Why is US medical care so expensive? (3/6/2012 2:48:55 PM)


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ORIGINAL: Hippiekinkster


quote:

ORIGINAL: DesideriScuri

Before you get to Europe, you will have to understand the European mindset. Germans actually have a very fiscally conservative personal manner. I was surprised by some of the stories I hear from a friend who is working over there. Very eye-opening, both in his care costs (he has to pay and get reimbursed by his US-based insurance) and in the conservative consumption over there.

You can't have our level of Freedom and Liberty along with a European-style national health care system. They are incompatible.

In actuality, if we had the conservative consumption qualities of the Germans, it is my opinion that health care would not cost quite as much, and more people would be able to afford their own care simply because they have more of their own money.

Und Sie wissen diese wie? Ja, richtig, Sie sagten es von ihrer Freund kommte. Ich habe eine Freundin in München, die ist Managerin beim Krankenversicherungsfirma Barmer. Deutsche Gesundheitsfürsorge ist swerlich Konservativ. Es ist doch viel billiger.

I'll take French healthcare and German "Freedom" any day.



Come on, our healthcare is good, too[;)]




Politesub53 -> RE: Why is US medical care so expensive? (3/6/2012 4:23:39 PM)


quote:

ORIGINAL: DesideriScuri

See, now, the "Common Defence ... of the United States" is actually in the Constitution. That is what differentiates the two services you are comparing.




Just incredible. I love how you guys avoid an answer hiding behind "Its the constitution"

Billions can be spent on defending American lives, but nothing can be spent on saving them ? The notion is ludicrous.




Hippiekinkster -> RE: Why is US medical care so expensive? (3/6/2012 4:25:55 PM)

---> Phoenixpower: Oh, I know. But Docs in Frankreich make housecalls. [8D]

I needed to see a Doc in Paris May 2000. Concierge arranged for an office visit w/ a doc just around the corner from the Marriott Champs-Elysees. Visit was €30- ; $USD27-. Would have been about $70 - $80 here, back then.




PeonForHer -> RE: Why is US medical care so expensive? (3/6/2012 4:48:33 PM)


quote:

ORIGINAL: Politesub53

Just incredible. I love how you guys avoid an answer hiding behind "Its the constitution"

Billions can be spent on defending American lives, but nothing can be spent on saving them ? The notion is ludicrous.


Yes, of course it's ludicrous. What exactly is the point of spending so much defending a people against attack if so large a number of them are going to die early from eminently treatable medical problems anyway?

I mean, really, to use that most voguish of American expressions, that is so fucked up.






Edwynn -> RE: Why is US medical care so expensive? (3/6/2012 5:35:23 PM)


quote:

ORIGINAL: Politesub53


quote:

ORIGINAL: DesideriScuri

See, now, the "Common Defence ... of the United States" is actually in the Constitution. That is what differentiates the two services you are comparing.




Just incredible. I love how you guys avoid an answer hiding behind "Its the constitution"

Billions can be spent on defending American lives, but nothing can be spent on saving them ? The notion is ludicrous.



The Constitution doesn't have anything in it about giving away billions in tax money to oil companies and agro-chem companies either, and of course some of these 'scripture' folk will say "oh, I'm against that too!" but of course they never say that to start with. They're too busy ranting about poor people not paying taxes to notice, and it must be brought to their attention.

These are the same people still saying regulation "has gone too far" even after the financial fiasco that every person knowledgeable of the industry (especially NOT including the mortgage broker shysters) knows is the result of two major financial deregulation acts of congress and 20 years of laissez-faire by the Fed, with all other financial regulatory agencies following their lead.

The information on what works in health care, all pertinent numbers laid out, is right here, but apparently some are incapable of reading it or understanding it, this evidenced by further insistence on contradicting plain fact with inane ideological blathering about the wonders of the private sector in providing public goods and services.

Ceaseless ignorance abounds.








DesideriScuri -> RE: Why is US medical care so expensive? (3/6/2012 5:42:22 PM)

quote:

ORIGINAL: Politesub53
quote:

ORIGINAL: DesideriScuri
See, now, the "Common Defence ... of the United States" is actually in the Constitution. That is what differentiates the two services you are comparing.

Just incredible. I love how you guys avoid an answer hiding behind "Its the constitution"
Billions can be spent on defending American lives, but nothing can be spent on saving them ? The notion is ludicrous.


I won't tell you we need to spend, spend, spend on defense. I will tell you that we spend far too much on defense. I have no problem cutting spending on defense. I don't know if defense spending includes the VA or Tricare, but those need to absorb the money freed up by some of the cuts to defense.

Now, as far as your "ludicrous" label: The US Constitution is the framework for our Federal Government. Jefferson likened it to chains holding a beast down. It is, essentially, the rulebook for our Federal Government. If you don't like playing by the rules, I can't help you. However, if you want to follow the rules, know the Constitution, The Declaration of Independence, and the Federalist Papers (I leave out the Anti-Federalist Papers because I have, as yet, been unable to find an edition nearby, so I have yet to read them myself). The rules state how to amend the Constitution. If you want to include single payer health care as a Federal power, go for it. Get the amendment passed and ratified. Even if I disagree with National Health Care, it's in the Constitution, so it's a power of the Federal Government.

I'm not hiding behind the Constitution. I am standing and holding it as a guiding light.




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