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RE: Cal SB 562 - Universal Health Care - 5/3/2017 2:08:56 PM   
freedomdwarf1


Posts: 6845
Joined: 10/23/2012
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quote:

ORIGINAL: Musicmystery

So they're essentially the same, but structured differently.

Gosh, that sounds familiar.



You don't geddit do you.
You really can't grasp the essential differences.

No, not the same, not even similar.

You don't pay premiums in single-payer; it's a type of income tax.
The money goes straight to the treasury, not a company.
If you don't pay tax, you still get free healthcare.
Everyone qualifies whether you join/use it or not.
You don't get free insurance.

It's not a single income and single resource either like insurance premiums.
If an insurance company runs out of funds, they bump up the premiums or go bust and you don't have cover.
When the government post starts running short, they use other tax money to bolster the system - they don't increase the premiums and cover isn't stopped or curtailed.

You really can't grasp the difference.


_____________________________

If liberty means anything at all, it means the right to tell people what they do not want to hear.
George Orwell, 1903-1950


(in reply to Musicmystery)
Profile   Post #: 201
RE: Cal SB 562 - Universal Health Care - 5/3/2017 2:11:22 PM   
Musicmystery


Posts: 30259
Joined: 3/14/2005
Status: offline
You don't get it, Einstein. Nothing you've added is in question.

But if it makes you feel good, go puff yourself up for a while.

(in reply to freedomdwarf1)
Profile   Post #: 202
RE: Cal SB 562 - Universal Health Care - 5/3/2017 2:12:20 PM   
PeonForHer


Posts: 19612
Joined: 9/27/2008
Status: offline

quote:

ORIGINAL: Musicmystery

Why do you think insurance managed by the government instead of a private company isn't insurance?



Britain's 'national insurance' really isn't like private insurance for your health (or your car, house, etc, etc.), MM. It's best thought of as one of those many, many antiquated (and sometimes even downright silly) terms you find in British English. It works like a flat rate tax: everybody of working age is supposed to pay it (though there are exemptions). If you haven't paid it - legally, or otherwise - you'll still get treated at the GP's surgery or in hospital. There's no 'insurance policy' attached and no medic will check to see that your 'premiums' are up to date.

_____________________________

http://www.domme-chronicles.com


(in reply to Musicmystery)
Profile   Post #: 203
RE: Cal SB 562 - Universal Health Care - 5/3/2017 2:23:27 PM   
Musicmystery


Posts: 30259
Joined: 3/14/2005
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Everybody gets that. What's at the center of this moronic debate is the insistence that if there's no private company involved, then it's not insurance in any sense of the word. Oh, and that this isn't semantics somehow.

What the fuck ever.

Meanwhile, there are different systems, administered differently, which are funded either through premiums or taxes and let people go get health care when they need it. Yet that's not essentially the same. But it's not semantics.

FFS.

Now, if you want to argue that government-funded health care can run better than private insurance, I for one agree (though the US right will complain it's ridiculous).

If you want to argue the universal health care and single-payer aren't the same thing, a distinction that IS lost on most Americans, also fine.

Instead, we're in this silly semantic (yes, semantic, mother-fuckers) insistence that people paying in some way (taxes or premiums) and getting health care in some way funded by that payment pool is night and day chalk and cheese different.

Okie Dokie.

I hear Wicked's got some good shit. Pop over and smoke some of his.

(in reply to PeonForHer)
Profile   Post #: 204
RE: Cal SB 562 - Universal Health Care - 5/3/2017 2:31:51 PM   
PeonForHer


Posts: 19612
Joined: 9/27/2008
Status: offline
quote:

I hear Wicked's got some good shit. Pop over and smoke some of his.


MM, please holster your six-shooter. I have no investment in this debate. :)

I'm glad that, as you say, everybody gets how it works here, versus your side of the pond ... I was unsure, that's all. It seemed like there was a communication difficulty.

_____________________________

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(in reply to Musicmystery)
Profile   Post #: 205
RE: Cal SB 562 - Universal Health Care - 5/3/2017 2:34:59 PM   
Musicmystery


Posts: 30259
Joined: 3/14/2005
Status: offline
Sorry. It's been a long day.

(in reply to PeonForHer)
Profile   Post #: 206
RE: Cal SB 562 - Universal Health Care - 5/3/2017 2:37:39 PM   
PeonForHer


Posts: 19612
Joined: 9/27/2008
Status: offline

quote:

ORIGINAL: Musicmystery

Sorry. It's been a long day.



You need half a bottle of scotch and a lie-down.

That'll be $150.00 for the diagnosis, please.

_____________________________

http://www.domme-chronicles.com


(in reply to Musicmystery)
Profile   Post #: 207
RE: Cal SB 562 - Universal Health Care - 5/3/2017 2:40:16 PM   
Musicmystery


Posts: 30259
Joined: 3/14/2005
Status: offline
I don't need the scotch, thanks.

Send the bill to my insurance carrier.

(in reply to PeonForHer)
Profile   Post #: 208
RE: Cal SB 562 - Universal Health Care - 5/3/2017 3:02:10 PM   
Wayward5oul


Posts: 3314
Joined: 11/9/2014
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What I am seeing is that FD is having a conniption over the idea that someone wants to call medical coverage "insurance". Because the world will end or something if the exact right idea is not understood by all.

When it doesn't even exist here.

(in reply to Musicmystery)
Profile   Post #: 209
RE: Cal SB 562 - Universal Health Care - 5/3/2017 3:40:43 PM   
MrRodgers


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

ORIGINAL: freedomdwarf1


quote:

ORIGINAL: MrRodgers


quote:

ORIGINAL: freedomdwarf1


quote:

ORIGINAL: MrRodgers
Yes, I am but in the US, it's govt. run, govt. funded insurance and for private interests, farmers, bankers etc.

Doesn't it strike you as at least curious that the people are forced to go to the so-called 'marketplace' to buy insurance for their health care but bankers, farmers and businesses can go to the govt. to buy insurance for a substantial businessr risk ?

And it's still nothing like how a single-payer system is structured or operated.
It's still insurance, no matter who is running it.

Just because it's run by the government doesn't make it a single-payer system; they are fundamentally different animals.


Completely wrong. Go read up on these govt. insurance corps. They all are in fact single payer, govt, run insurance corps. Anytime any fund covers any claims for payment...it is insurance and because you pay the govt. premiums, it is single payer. I just don't understand your thinking here.

Because you don't understand the fundamental differences between insurance-based thinking and single-payer.
And yes, I did have a look at the government run corps - they are insurance policies.

Let me dumb it down and try to explain some very simple differences in the concepts.
Insurance: You opt-in, pay a calculated fixed premium, get some sort of negotiated cover.
When you need to claim, that's what you do. You put your claim forward and they pay out to cover your losses.
Single-payer system: You don't opt-in, everyone is automatically included into the scheme.
Your 'premium' is a percentage of what you earn. Cover is 100% regardless of who you are or what you earn as long as you are a bonafide citizen. You never make a claim - you just use the service when you need it.

If you want some sort of analagy, you could compare a taxi with a greyhound bus service.
They are both transport to get you from A to B for a price.
But here's the difference....
A taxi is transport for you personally. Its service is taylored such that it takes you from where you hailed it to the place you designated. If there is a traffic jam or a detour, you pay for the wait or extra distance because the meter is still ticking. You only share a taxi by choice. A taxi doesn't usualy cruise around empty because it costs money (time/fuel etc) to do that so they wait for a fare.
On a greyhound bus, you catch it at designated stations/stops and it goes to a pre-determined destination along a pre-set route. You pay a price for the journey no matter how long it takes - the fare doesn't rise if you are stuck in a traffic jam or get sent on a detour. Also, you share that bus with many others, it's not dedicated transport just for you (and friends). The bus will leave at its designated time and go to its destination even if it was empty.

Lots of subtle but fundamental differences between the two.
And you, like many Americans, have proved you don't understand the differences between insurance and a single-payer system.
Like Desi, you are under the misconception that because it's paid for by the government, it's single-payer - it isn't.


I don't get into subjectives but it seems I need to 'dumb it down for you' freedom.

I am a banker I pay premiums based on my total deposits to a single-payer called the FDIC, my bank goes bad, the govt. (FDIC) insures my deposits. Let me know when you find a single deposit institution typical retail bank that has not joined the federal reserve banking system and is not so insured or you also...find another 'payer.'

(types of deposit products include checking, NOW, and savings accounts, money market deposit accounts (MMDA), and time deposits such as certificates of deposit (CDs).

I am a farmer, I pay the Dept. Agric. taxpayer/premium funded single-payer Federal Crop Insurance Corporation (FCIC) to insure my product against a bad yield, bad weather or several such occurrences that could effect my farm income. You may...may find a few very small farmers who do not eagerly 'opt in' for this cheap, single payer, premium and taxpayer funded subsidized insurance....but I doubt it.

Pension Benefit Guarantee Corp. (PBGC) is an independent agency of the United States government that was created by the Employee Retirement Income Security Act of 1974 (ERISA) to encourage the continuation and maintenance of voluntary private defined benefit pension plans, provide timely and uninterrupted payment of pension benefits, and keep pension insurance premiums at the lowest level necessary to carry out its operations. Subject to other statutory limitations, PBGC's insurance program pays pension benefits up to the maximum guaranteed benefit set by law to participants who retire at 65

Many employers do not buy this single-payer insurance but for those who do. the PBGC is the 'single-payer' govt. funded insurance fund that pays claims. Let me know when you find any 'private' pension insurance policies offered or any 'other payer.' You will not.

Like Desi, we are under no misconceptions about a 'single' federal corp created to provide 'single-payer' insurance for various risks such as banking, crops and pensions for just 3 examples of single payer insurance.

_____________________________

You can be a murderous tyrant and the world will remember you fondly but fuck one horse and you will be a horse fucker for all eternity. Catherine the Great

Under capitalism, man exploits man. Under communism, it's just the opposite.
J K Galbraith

(in reply to freedomdwarf1)
Profile   Post #: 210
RE: Cal SB 562 - Universal Health Care - 5/3/2017 3:55:27 PM   
MrRodgers


Posts: 10542
Joined: 7/30/2005
Status: offline

quote:

ORIGINAL: freedomdwarf1


quote:

ORIGINAL: Musicmystery
Same point. You haven't addressed my question at all, except to repeat why I'm asking it.

It seems that, to you, if a system makes money, it's insurance, while if it does the same thing, but operates for the good of the people insured, as a non-profit, it's not.

Are you familiar with the concept of a Mutual Insurance company? Or Self-Insurance?

It seems to me that the confusion here isn't insurance, but rather an arbitrary and confused notion of business, companies, and administration (in business or government).

* shrug *

At the end of the day, people pay premiums or taxes, show up and get health care.

Call it any fucking thing that pleases you.

There's the fundamental differences between the two.
Yes, I'm familiar with Mutual Insurance Companies.
If they don't make enough to cover costs, they go bust and fold and people lose their investment.

See my post#192.
It's how it's organised and run that is the difference.
Whether they make a profit or not is irrelevant.

Insurance: opt-in, taylored policies, negotiated/fixed premiums, claim your losses/costs.
Single-payer: everyone is automatically opted in, 100% cover for everything (not taylored policies), payment via a tax as percentage of income, no claims as there are no costs incurred to reimburse.

Another example of organisational differences...
Let's say you earn $1,000 a month.
Your insurance is going to cost.... $300 a month maybe and has exclusions.
That's almost a third of your income.
Single-payer would be 10% - $100 a month with full cover and no exclusions.

If the insurance company are making big payouts, your premiums will rise or your condition will be excluded or special terms imposed.
Under single-payer, your premiums stay the same and no restrictions are applied.
If you change jobs and only earn $500 a month, your insurance stays at $300 a month.
Under single-payer, it'll drop to $50 a month.
If the insurance company goes bust, you have no health insurance.
The government doesn't go bust so single-payer cover is still there.

That's just some of the fundamental differences off the top of my head.
Single-payer systems are not insurance even if the end result appears to be the same.
Most Americans can't get their head around the different concepts so they think it's just another insurance thing because they know no different.


Well sorry man but maybe because it's off the 'top of your head'...it isn't enough. There is private insurance and that marketplace and there is govt. insurance where the business chooses the govt.

The govt. corp. issuing the insurance is the single receiver of premiums and the single payer of claims and every business who uses it is covered.

That does not include all of the people because in the US, all single-payer, govt. run insurance corps., insure business risks but not all health risks for all of society BUT...it could. The US could have a FHIC or Federal Health Insurance Corp. but like I've written...THAT would be socialism and we just can't have that.

No we are here to make some fucking money off of you, so you WILL pay a profit to everybody in the health care delivery system. Got it now ? Whereas, govt. run single-payer insurance for business can lose money and run to the taxpayer to help pat the claim. Isn't that precious ?

_____________________________

You can be a murderous tyrant and the world will remember you fondly but fuck one horse and you will be a horse fucker for all eternity. Catherine the Great

Under capitalism, man exploits man. Under communism, it's just the opposite.
J K Galbraith

(in reply to freedomdwarf1)
Profile   Post #: 211
RE: Cal SB 562 - Universal Health Care - 5/3/2017 3:59:34 PM   
MrRodgers


Posts: 10542
Joined: 7/30/2005
Status: offline

quote:

ORIGINAL: Musicmystery

You don't get it, Einstein. Nothing you've added is in question.

But if it makes you feel good, go puff yourself up for a while.

Actually...he's wrong and on all counts.

_____________________________

You can be a murderous tyrant and the world will remember you fondly but fuck one horse and you will be a horse fucker for all eternity. Catherine the Great

Under capitalism, man exploits man. Under communism, it's just the opposite.
J K Galbraith

(in reply to Musicmystery)
Profile   Post #: 212
RE: Cal SB 562 - Universal Health Care - 5/3/2017 4:05:08 PM   
Phydeaux


Posts: 4828
Joined: 1/4/2004
Status: offline
quote:

ORIGINAL: MrRodgers

quote:

ORIGINAL: freedomdwarf1


quote:

ORIGINAL: MrRodgers


quote:

ORIGINAL: freedomdwarf1


quote:

ORIGINAL: MrRodgers
Yes, I am but in the US, it's govt. run, govt. funded insurance and for private interests, farmers, bankers etc.

Doesn't it strike you as at least curious that the people are forced to go to the so-called 'marketplace' to buy insurance for their health care but bankers, farmers and businesses can go to the govt. to buy insurance for a substantial businessr risk ?

And it's still nothing like how a single-payer system is structured or operated.
It's still insurance, no matter who is running it.

Just because it's run by the government doesn't make it a single-payer system; they are fundamentally different animals.


Completely wrong. Go read up on these govt. insurance corps. They all are in fact single payer, govt, run insurance corps. Anytime any fund covers any claims for payment...it is insurance and because you pay the govt. premiums, it is single payer. I just don't understand your thinking here.

Because you don't understand the fundamental differences between insurance-based thinking and single-payer.
And yes, I did have a look at the government run corps - they are insurance policies.

Let me dumb it down and try to explain some very simple differences in the concepts.
Insurance: You opt-in, pay a calculated fixed premium, get some sort of negotiated cover.
When you need to claim, that's what you do. You put your claim forward and they pay out to cover your losses.
Single-payer system: You don't opt-in, everyone is automatically included into the scheme.
Your 'premium' is a percentage of what you earn. Cover is 100% regardless of who you are or what you earn as long as you are a bonafide citizen. You never make a claim - you just use the service when you need it.

If you want some sort of analagy, you could compare a taxi with a greyhound bus service.
They are both transport to get you from A to B for a price.
But here's the difference....
A taxi is transport for you personally. Its service is taylored such that it takes you from where you hailed it to the place you designated. If there is a traffic jam or a detour, you pay for the wait or extra distance because the meter is still ticking. You only share a taxi by choice. A taxi doesn't usualy cruise around empty because it costs money (time/fuel etc) to do that so they wait for a fare.
On a greyhound bus, you catch it at designated stations/stops and it goes to a pre-determined destination along a pre-set route. You pay a price for the journey no matter how long it takes - the fare doesn't rise if you are stuck in a traffic jam or get sent on a detour. Also, you share that bus with many others, it's not dedicated transport just for you (and friends). The bus will leave at its designated time and go to its destination even if it was empty.

Lots of subtle but fundamental differences between the two.
And you, like many Americans, have proved you don't understand the differences between insurance and a single-payer system.
Like Desi, you are under the misconception that because it's paid for by the government, it's single-payer - it isn't.


I don't get into subjectives but it seems I need to 'dumb it down for you' freedom.

I am a banker I pay premiums based on my total deposits to a single-payer called the FDIC, my bank goes bad, the govt. (FDIC) insures my deposits. Let me know when you find a single deposit institution typical retail bank that has not joined the federal reserve banking system and is not so insured or you also...find another 'payer.'

(types of deposit products include checking, NOW, and savings accounts, money market deposit accounts (MMDA), and time deposits such as certificates of deposit (CDs).

I am a farmer, I pay the Dept. Agric. taxpayer/premium funded single-payer Federal Crop Insurance Corporation (FCIC) to insure my product against a bad yield, bad weather or several such occurrences that could effect my farm income. You may...may find a few very small farmers who do not eagerly 'opt in' for this cheap, single payer, premium and taxpayer funded subsidized insurance....but I doubt it.

Pension Benefit Guarantee Corp. (PBGC) is an independent agency of the United States government that was created by the Employee Retirement Income Security Act of 1974 (ERISA) to encourage the continuation and maintenance of voluntary private defined benefit pension plans, provide timely and uninterrupted payment of pension benefits, and keep pension insurance premiums at the lowest level necessary to carry out its operations. Subject to other statutory limitations, PBGC's insurance program pays pension benefits up to the maximum guaranteed benefit set by law to participants who retire at 65

Many employers do not buy this single-payer insurance but for those who do. the PBGC is the 'single-payer' govt. funded insurance fund that pays claims. Let me know when you find any 'private' pension insurance policies offered or any 'other payer.' You will not.

Like Desi, we are under no misconceptions about a 'single' federal corp created to provide 'single-payer' insurance for various risks such as banking, crops and pensions for just 3 examples of single payer insurance.



I don't intend to get drawn back into the forums, but the errors on this were fairly egregious.

It is relatively easy to find "any private pension insurance policies offered or any other payer" (sic). Despite freedom's assertion you will not.
In fact, PBGC only covers defined benefit pensions which are a tiny fraction of the pension market. Other (numerous) examples include multipayer pension plans, self funded pension plans, government funded pension plans and defined contribution benefit plans.

More to the point, the pbgc is not a 'single-payer' system in the slightest, and it has no backstop by the federal government. It is paid by premiums on retirement pensions.

The same general objections and observations apply to the other examples given.


(in reply to MrRodgers)
Profile   Post #: 213
RE: Cal SB 562 - Universal Health Care - 5/3/2017 5:59:27 PM   
Nnanji


Posts: 4552
Joined: 3/29/2016
Status: offline

quote:

ORIGINAL: Phydeaux

quote:

ORIGINAL: MrRodgers

quote:

ORIGINAL: freedomdwarf1


quote:

ORIGINAL: MrRodgers


quote:

ORIGINAL: freedomdwarf1


quote:

ORIGINAL: MrRodgers
Yes, I am but in the US, it's govt. run, govt. funded insurance and for private interests, farmers, bankers etc.

Doesn't it strike you as at least curious that the people are forced to go to the so-called 'marketplace' to buy insurance for their health care but bankers, farmers and businesses can go to the govt. to buy insurance for a substantial businessr risk ?

And it's still nothing like how a single-payer system is structured or operated.
It's still insurance, no matter who is running it.

Just because it's run by the government doesn't make it a single-payer system; they are fundamentally different animals.


Completely wrong. Go read up on these govt. insurance corps. They all are in fact single payer, govt, run insurance corps. Anytime any fund covers any claims for payment...it is insurance and because you pay the govt. premiums, it is single payer. I just don't understand your thinking here.

Because you don't understand the fundamental differences between insurance-based thinking and single-payer.
And yes, I did have a look at the government run corps - they are insurance policies.

Let me dumb it down and try to explain some very simple differences in the concepts.
Insurance: You opt-in, pay a calculated fixed premium, get some sort of negotiated cover.
When you need to claim, that's what you do. You put your claim forward and they pay out to cover your losses.
Single-payer system: You don't opt-in, everyone is automatically included into the scheme.
Your 'premium' is a percentage of what you earn. Cover is 100% regardless of who you are or what you earn as long as you are a bonafide citizen. You never make a claim - you just use the service when you need it.

If you want some sort of analagy, you could compare a taxi with a greyhound bus service.
They are both transport to get you from A to B for a price.
But here's the difference....
A taxi is transport for you personally. Its service is taylored such that it takes you from where you hailed it to the place you designated. If there is a traffic jam or a detour, you pay for the wait or extra distance because the meter is still ticking. You only share a taxi by choice. A taxi doesn't usualy cruise around empty because it costs money (time/fuel etc) to do that so they wait for a fare.
On a greyhound bus, you catch it at designated stations/stops and it goes to a pre-determined destination along a pre-set route. You pay a price for the journey no matter how long it takes - the fare doesn't rise if you are stuck in a traffic jam or get sent on a detour. Also, you share that bus with many others, it's not dedicated transport just for you (and friends). The bus will leave at its designated time and go to its destination even if it was empty.

Lots of subtle but fundamental differences between the two.
And you, like many Americans, have proved you don't understand the differences between insurance and a single-payer system.
Like Desi, you are under the misconception that because it's paid for by the government, it's single-payer - it isn't.


I don't get into subjectives but it seems I need to 'dumb it down for you' freedom.

I am a banker I pay premiums based on my total deposits to a single-payer called the FDIC, my bank goes bad, the govt. (FDIC) insures my deposits. Let me know when you find a single deposit institution typical retail bank that has not joined the federal reserve banking system and is not so insured or you also...find another 'payer.'

(types of deposit products include checking, NOW, and savings accounts, money market deposit accounts (MMDA), and time deposits such as certificates of deposit (CDs).

I am a farmer, I pay the Dept. Agric. taxpayer/premium funded single-payer Federal Crop Insurance Corporation (FCIC) to insure my product against a bad yield, bad weather or several such occurrences that could effect my farm income. You may...may find a few very small farmers who do not eagerly 'opt in' for this cheap, single payer, premium and taxpayer funded subsidized insurance....but I doubt it.

Pension Benefit Guarantee Corp. (PBGC) is an independent agency of the United States government that was created by the Employee Retirement Income Security Act of 1974 (ERISA) to encourage the continuation and maintenance of voluntary private defined benefit pension plans, provide timely and uninterrupted payment of pension benefits, and keep pension insurance premiums at the lowest level necessary to carry out its operations. Subject to other statutory limitations, PBGC's insurance program pays pension benefits up to the maximum guaranteed benefit set by law to participants who retire at 65

Many employers do not buy this single-payer insurance but for those who do. the PBGC is the 'single-payer' govt. funded insurance fund that pays claims. Let me know when you find any 'private' pension insurance policies offered or any 'other payer.' You will not.

Like Desi, we are under no misconceptions about a 'single' federal corp created to provide 'single-payer' insurance for various risks such as banking, crops and pensions for just 3 examples of single payer insurance.



I don't intend to get drawn back into the forums, but the errors on this were fairly egregious.

It is relatively easy to find "any private pension insurance policies offered or any other payer" (sic). Despite freedom's assertion you will not.
In fact, PBGC only covers defined benefit pensions which are a tiny fraction of the pension market. Other (numerous) examples include multipayer pension plans, self funded pension plans, government funded pension plans and defined contribution benefit plans.

More to the point, the pbgc is not a 'single-payer' system in the slightest, and it has no backstop by the federal government. It is paid by premiums on retirement pensions.

The same general objections and observations apply to the other examples given.



I was wondering if you'd show up for this. I feel Annie Oakley cringe.

(in reply to Phydeaux)
Profile   Post #: 214
RE: Cal SB 562 - Universal Health Care - 5/3/2017 6:46:16 PM   
DesideriScuri


Posts: 12225
Joined: 1/18/2012
Status: offline
quote:

ORIGINAL: freedomdwarf1
quote:

ORIGINAL: DesideriScuri
quote:

ORIGINAL: freedomdwarf1
I have tried to explain it to you many times Desi.
quote:

ORIGINAL: DesideriScuri
1. It's cheaper in other countries. No one here is disputing that.

But you are constantly disputing where those cost savings come from.

I dispute that the US will see spending drop simply by changing systems.

And I have given you dozens of examples in multiple threads of where massive savings are made when insurance companies are not involved and when the spending power of a whole country produce economies of scale.
Economies of scale are indisputable facts regardless of where it is applied, including healthcare.
You refuse to believe this yet it is proven everywhere there is any single-payer system in operation.


Again, you are assuming it's going to work that same way in the US. We are starting where we are, not where the countries with single payer are. We aren't going to see 50% reductions in spending simply by switching over. It's just not going to happen. Structurally, the UK and the US are not the same.

quote:

quote:

ORIGINAL: DesideriScuri
quote:

quote:

ORIGINAL: DesideriScuri
2. No one can show that a country that switched to socialized medicine had costs drop. The only thing anyone can show, is that costs rose slower. So, thinking that costs are going to drop if only the US would switch to a socialized plan, is unproven.

UK 1948 - The government unleased the NHS system.
Medical costs plummeted and everyone was covered no matter who you were.
No more profiteering by private doctors that only the rich could afford.

Cite please.

I have also given you plenty of cites to prove my point as well as personal examples.


You have never - and no one has - given any citations showing that changing to a universal health care model lowered costs; never.

quote:

Before the NHS was created in 1948, only the affluent could afford to see a doctor or pay for effective medicine.
Here's 2 more picked at random -
From Star Medical: The National Health Service has grown to become the world’s largest publicly funded health service since its launch in 1948. You could argue it’s the most cost-effective healthcare system in the world in terms of the extent of care it provides, and while its difficulties are widely documented, it’s also internationally renowned as a system for quality healthcare delivery.


Probably not a biased piece.....

http://www.oecd.org/els/health-systems/oecd-reviews-of-health-care-quality-united-kingdom-2016-9789264239487-en.htm
    quote:

    The UK as a whole likely puts more energy into health care quality improvement initiatives than any other country in the world, and as a result has many innovative policies of international repute. Yet despite this, the quality of health care in the UK is no better than average.


quote:

From Ecenomics Online: Wanless recommended that the current system, based on general taxation, should continue because it achieved the right balance between equity and efficiency.
The report was particularly critical of private insurance, regarding a system based on private insurance as:
1) Inequitable - unfair on the less well-off.
2) Having high administration costs
3) No incentive for cost control - note the problem of third-party payment.

The Wanless report basically identified that private insurance was not as cost-effective as publicly-funded systems.


Who is arguing that private insurance is as cost-effective as publicly-funded systems?

quote:

quote:

ORIGINAL: DesideriScuri
quote:

quote:

ORIGINAL: DesideriScuri
3. Continuing to point out (what the Left does; this comment is not directed specifically towards you) that the socialized systems pay, roughly, 50% of what the US pays (overall) is disingenuous, at best.

My best guess is that it's considerably LESS than 50% of what a typical US citizen would pay.
There are many examples of where a socialised healthcare system caps costs that the US rip-off people.

It's typically 50% lower %GDP aggregate spending, isn't it?

The UK spends less than most EU countries on healthcare as %GDP.
The WHO puts costs per day bed (excluding drugs & diagnostics) at over $1,000/day.
A typical day bed in NHS hospitals are just £400/day (about $500).


That metric means jack shit to this discussion. That would be like our discussing different types of ice cream, and my going on and on about the ice cream toppings I prefer.

quote:

quote:

ORIGINAL: DesideriScuri
quote:

quote:

ORIGINAL: DesideriScuri
4. Where are the profits in the US health care system?

With the insurance companies.

Insurance companies are required, by current law, to spend 80% - at a minimum - of premium revenues directly towards care. If an insurance company had no other costs, outside of covered care - no utilities, no staff, no physical assets, etc. - the most profit they could see is 20%. That doesn't get us to 50% savings.

We've had this argument before.
The cost of care in the US is a lot higher than elsewhere so that 80% minimum requirement actually buys you less care than elsewhere.
When that cost, in itself, is a lot lower, that's where you'll gain your savings.
And of course, no profits to account for either.


You said the profits are in the insurance companies. I pointed out that there isn't all that much profit - 20% max, as long as there are $0 costs outside of covered care spending. Now, you say it's because the cost of care (services, procedures, medications, etc.) are too high. Crazy thing is, I was critical of Obamacare's entire premise - making insurance more affordable. I pointed out that lowering the cost of care would lower the cost of insurance (aka "making it more affordable"). If the cost of care in the US was similar to that of Germany (I use Germany because I have anecdotal data from a very good friend of mine who worked in Germany and required some medical services.), more people would be able to afford to pay for care without insurance, and the cost of insurance would be lower.

Before you can lower costs, however, there has to be profits that can be squeezed out. Where are the profits? Obviously, if we're talking cost of care, that effectively leaves insurance companies out of the answer.

quote:

quote:

ORIGINAL: DesideriScuri
quote:

quote:

ORIGINAL: DesideriScuri
5. I hope you realize that my only real beef with single payer, is the lack of Constitutional Authority for the Federal Government to do it, and that I've already state many, many times, that I would support a Constitutional Amendment granting the authority to the Federal Government to provide a single payer health system for US citizens.

Why would they need authority to do it Desi??
Just introduce it and for those that quailfy or pay into it - let them receive the benefits of the system.
People will soon realise just how much better it is than insurance-based systems.

That's not how the political system is supposed to work in the US. Any Constitutionality question would be moot if all that had to be done was introduce it. The US system sees all authorities existing within the individual, unless authorities were granted to government. The US Constitution was a compact between the People and the States granting authorities to a Federal Government. It didn't grant all authority to the Federal Government, no matter how an Administration acts. Unless provision of care was an authority granted through the Constitution, it isn't supposed to be allowed to do it.

So you are telling me that the US government isn't allowed to offer anything to the people??
That's crap.


The Federal Government is only supposed to operate within the authorities it was granted by the US Constitution. Period. Provision of health care - or paying for the provision of health care - wasn't an authority granted by the US Constitution, thus the need - in my opinion - for a Constitutional Amendment.

quote:

quote:

ORIGINAL: DesideriScuri
quote:

As for the californian system... sounds to me like a parallel insurance-based system; it has all the hallmarks of one.
In single-payer systems, you don't "claim" anything and it doesn't exclude people from using other systems if they so choose.

It's not exactly parallel. The way I read the legislation, any benefits or services "Healthy California" (that's what the legislation calls it) covers won't be allowed to be covered by other insurance.
    quote:

    This bill would prohibit health care service plans and health insurers from offering health benefits or covering any service for which coverage is offered to individuals under the program, except as provided.

So, the choice would be cash or Healthy California for anything HC covers. For everything else, it's cash or private insurance.

And as I said earlier, social healthcare doesn't stop anyone claiming on their own insurance policy.
Of course, that also means they couldn't use HC for their treatment as they'd be using their own provider.
But a true single-payer system doesn't prohibit private plans like HC seems to be doing.
So it seems that HC is indeed, nothing more than a fudged insurance-based system as I suspected.


A fudged insurance-based system? It's a single-payer system, where the single-payer is the State of California.

Huff and puff all you want, FD. It won't bother me.

I've said it before, and I'll say it again now: I like how the UK's NHS is set up, but for that system to happen in the US, the Federal Government is going to have to take over an awful lot of care facilities.


_____________________________

What I support:

  • A Conservative interpretation of the US Constitution
  • Personal Responsibility
  • Help for the truly needy
  • Limited Government
  • Consumption Tax (non-profit charities and food exempt)

(in reply to freedomdwarf1)
Profile   Post #: 215
RE: Cal SB 562 - Universal Health Care - 5/3/2017 6:52:43 PM   
DesideriScuri


Posts: 12225
Joined: 1/18/2012
Status: offline
quote:

ORIGINAL: susie
True it is called National Insurance but it is not managed by any Insurance company. As I stated earlier all Tax and NI collected are passed on to the Treasury (a Government department) where it is added to all other Taxes (Council tax, Corporation tax etc). The Treasury then allocate funds to the NHS, Local Councils, Prison service etc.


The NHS would be, in essence, the insurance company. Taxes would be, in essence, the premiums paid for the coverage.


_____________________________

What I support:

  • A Conservative interpretation of the US Constitution
  • Personal Responsibility
  • Help for the truly needy
  • Limited Government
  • Consumption Tax (non-profit charities and food exempt)

(in reply to susie)
Profile   Post #: 216
RE: Cal SB 562 - Universal Health Care - 5/3/2017 7:01:27 PM   
DesideriScuri


Posts: 12225
Joined: 1/18/2012
Status: offline
quote:

ORIGINAL: MrRodgers
Well yes, except that private insurance has a profit left over, the govt. does not. In fact, if the govt. even after collecting premiums doesn't have enough to cover claims, [it] goes to the taxpayer to cover it.


How much profit is left over, MrRodgers? Since government can just go to the taxpayer to cover any "deficits," what is the motivation for making sure costs are kept down?

quote:

As a conservative, you should be outraged over that...I am. My rationale is that if the govt. can provide such insurance for various other private risk, it can do so for health care.


You seem to think I'm okay with the Feds offering insurance for other stuff. I'm not. For example, it would be a loose translation to say the FDIC is authorized under Article I, Section 8, Clause 5 (authority to coin money and regulate its value), but I see no authorization for crop insurance.



_____________________________

What I support:

  • A Conservative interpretation of the US Constitution
  • Personal Responsibility
  • Help for the truly needy
  • Limited Government
  • Consumption Tax (non-profit charities and food exempt)

(in reply to MrRodgers)
Profile   Post #: 217
RE: Cal SB 562 - Universal Health Care - 5/3/2017 7:32:29 PM   
susie


Posts: 1699
Joined: 11/21/2004
Status: offline

quote:

ORIGINAL: DesideriScuri

quote:

ORIGINAL: susie
True it is called National Insurance but it is not managed by any Insurance company. As I stated earlier all Tax and NI collected are passed on to the Treasury (a Government department) where it is added to all other Taxes (Council tax, Corporation tax etc). The Treasury then allocate funds to the NHS, Local Councils, Prison service etc.


The NHS would be, in essence, the insurance company. Taxes would be, in essence, the premiums paid for the coverage.


Not all taxes go to the NHS. All tax from individuals and companies including NI go into a big Government pot. Once a year the Chancellor sets a budget and decides how much money goes to the NHS, how much goes into the state pension fund, how much goes on new infrastructure, on the Police or to local councils so that they can maintain roads or provide social care. So no matter what you pay in you do not decide where that money goes.

Once it receives its funding the NHS then allocate that to individual hospitals, dentists or the ambulance service etc. Each hospital must then work within its budget. Nearly every hospital tops up there funding by renting out space to retail companies who provide stock that patients might require during their stay, providing a restaurant for visitors and charging for car parking. In fact the hospial mother is in at the moment has a Costa coffee store.

In terms of lowering costs, imagine you have a business that requires an item of equipment that costs $19,000. You then go back to your supplier and tell him you acutally need 10 and you negotiate a lower price. Costs come down.

(in reply to DesideriScuri)
Profile   Post #: 218
RE: Cal SB 562 - Universal Health Care - 5/3/2017 7:39:44 PM   
freedomdwarf1


Posts: 6845
Joined: 10/23/2012
Status: offline
quote:

ORIGINAL: DesideriScuri

quote:

ORIGINAL: susie
True it is called National Insurance but it is not managed by any Insurance company. As I stated earlier all Tax and NI collected are passed on to the Treasury (a Government department) where it is added to all other Taxes (Council tax, Corporation tax etc). The Treasury then allocate funds to the NHS, Local Councils, Prison service etc.


The NHS would be, in essence, the insurance company. Taxes would be, in essence, the premiums paid for the coverage.


But there are no 'policies' like you have in insurance.
No policy documents or a choice of cover or deductibles like insurance.
The tax is a flat-rate income tax, not a fixed premium like insurance.
There's no renewal either - it's from cradle to grave.
The funds for it come from the general treasury pot of all taxes, not just those collected for the scheme.

For your earlier reply, the UK wasn't much different from the US prior to 1948.
There was no healthcare unless you could afford it.
Just like the US is now, if you don't have private insurance or the money, you don't get to see a doctor and you don't get treatment - you die.
It took the vision, and the balls, of Aneurin Bevan (a Welsh labour politician) to 'invent' the concept of what we call the NHS.
It happened virtually overnight on July 5 1948.
There wasn't a vote on it, the people didn't ask for it, it was born from a vision and launched by the government of the day.
And, as they say.... the rest is history.

So, on June 4th there was nothing. No money meant you died.
On June 5th we had the NHS and every citizen was included automatically.
It proves that it can be done.

But we all know that the US hate anything that is a socialist-style policy and they are all for individualism and profit-driven greed; captialism at its ugliest and worst.
I don't think the US could ever dream of something similar because profit will always raise its ugly head.
Maggie Thatcher tried to implement private healthcare in the UK via insurance policies like the US system.
Although there are private companies (and they do make a profit), overwhemlingly, the not-so-rich people rejected it in favour of the NHS.

It's only an American dream if you are healthy and wealthy enough to afford it.
Those that can't afford it will die by the wayside - I'd call that a nightmare.




quote:

ORIGINAL: susie
In terms of lowering costs, imagine you have a business that requires an item of equipment that costs $19,000. You then go back to your supplier and tell him you acutally need 10 and you negotiate a lower price. Costs come down.

I've tried to explain to Desi but he doesn't seem to understand economies of scale.

Let's take a real example: new blood pressure machines for monitoring patients.
A single doctor's surgery might need half a dozen.
A single hospital might need 100 of them if it's a biggish hospital.
Now take the NHS which has something like 200+ hospitals and over 150,000 separate GP surgeries.
So instead of negotiating a price for 100 machines, we are talking in terms of over 200,000 machines for which there will certainly be a huge cost saving per machine.
And that's just one example of economies of scale.
But Desi doesn't accept that.


< Message edited by freedomdwarf1 -- 5/3/2017 7:47:32 PM >


_____________________________

If liberty means anything at all, it means the right to tell people what they do not want to hear.
George Orwell, 1903-1950


(in reply to DesideriScuri)
Profile   Post #: 219
RE: Cal SB 562 - Universal Health Care - 5/3/2017 9:49:43 PM   
MrRodgers


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

ORIGINAL: DesideriScuri

quote:

ORIGINAL: MrRodgers
Well yes, except that private insurance has a profit left over, the govt. does not. In fact, if the govt. even after collecting premiums doesn't have enough to cover claims, [it] goes to the taxpayer to cover it.


How much profit is left over, MrRodgers? Since government can just go to the taxpayer to cover any "deficits," what is the motivation for making sure costs are kept down?

quote:

As a conservative, you should be outraged over that...I am. My rationale is that if the govt. can provide such insurance for various other private risk, it can do so for health care.


You seem to think I'm okay with the Feds offering insurance for other stuff. I'm not. For example, it would be a loose translation to say the FDIC is authorized under Article I, Section 8, Clause 5 (authority to coin money and regulate its value), but I see no authorization for crop insurance.



I made no assumptions about how you felt about govt. insurance corps....only asked. There seems even until today, only crony capitalist/political reasons for their to be any deficits or continuing deficits in govt., insurance corp. funding.

I read that despite a multi-$billion unfunded liability at the PBGC, congress has twice refused to go to the insured (businesses who left the taxpayer holding the bag) for higher premiums and [they] and the scum who throw pensions at the govt. are quite happy, enjoying that corp. welfare.

The constitution does not prohibit the govt. from issuing debt or moving general tax revenues to cover any govt. insurance shortfalls. The RTC issued bonds guaranteed by the feds (taxpayers) to clean out the scum from the S & L fraud.

The very concept as I've tried to explain, is that there are no profits only reserves (or not) and it is a form of bailout or corp. welfare every time. I never wrote and have never wrote that this was anything other than flat out immoral. TARP was immoral.

Single-payer, govt. insurance corps. in all forms, are all part and parcel of the continuing moral hazard that our crony/capitalist/plutocracy is and has been since WWII.

_____________________________

You can be a murderous tyrant and the world will remember you fondly but fuck one horse and you will be a horse fucker for all eternity. Catherine the Great

Under capitalism, man exploits man. Under communism, it's just the opposite.
J K Galbraith

(in reply to DesideriScuri)
Profile   Post #: 220
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