Two words. Medicare. Medicaid. Do you still think the government shoud run healthcare? If you do then you don't know anybody on the current government programs. Health care is fucked up now, but the gubmint taking it over is not the answer.
@fuckingoldman: Actually, Medicaid on the whole gets pretty good ratings -- which is why it never gets cut. And do you think the private insurance companies do a better job for only 10x the overhead costs?
@ShanghaiLil: As the parent of a disabled child I would disagree with you about Medicaid, the coverage they provide is disgraceful. What part of "Health care is fucked up now" don't you understand?
@ShanghaiLil: Yes, and he is covered. They just paid for a $17K power wheelchair. Now what? Have you ever personally dealt with Medicaid or Medicare? Unless you have you just need to STFU.
@fuckingoldman: Oh, and if you've never tried to get a new private insurance policy for him because you lost your job, or you moved, then you need to STFU.
@fuckingoldman: One other thing -- from today's New York Times: "A patient in Illinois was charged $12,712 for cataract surgery. Medicare pays $675 for the same procedure. In California, a patient was charged $20,120 for a knee operation that Medicare pays $584 for. And a New Jersey patient was charged $72,000 for a spinal fusion procedure that Medicare covers for $1,629....The charges are among a long list of high fees cited in a survey released online Tuesday by America’s Health Insurance Plans, which represents 1,300 health insurance companies. The group said it had used Medicare payments for comparison because Medicare was so familiar and payments are, on average, about 80 percent of what private insurers pay." Perhaps your son's power wheelchair cost $17K because your private insurer was willing to pay it, and Medicaid/Medicare could have gotten the same damn thing for less money.
@ShanghaiLil: Let's get one thing stright - the system now is fucked up, we both believe that. Now because Medicaid only pays a fraction of the costs, people with insurance carry the load. The doctor charges me more to make up what he's losing on you. Do you really think that you can have knee surgery for $584 and cataract surgery for $675? And so you know, Medicaid doesn't haggle one-on-one with equipment providers, they just denied the chair. Denied a chair that was prescribed to a quadriplegic with cerebral palsy. They would have payed for a total piece of shit chair, but that should be good enough because he's disabled right? That's the government healthcare system. My private insurance paid for it. Are you sure you're on the system? You are the only person I've ever heard of who has no complaints about the system, and I know a lot of parents of disabled kids who have to rely on Medicaid. I'm calling bullshit on you.
@fuckingoldman: Just FYI, I have a chronic, life-threatening and very expensive illness that has disabled me for the past year; with no income coming in, I couldn't afford Cobra. In February of this year, that illness led to a catastrophic situation: ten days in a coma, two and a half weeks in the ICU, another week and a half as a regular inpatient, plus outpatient physical rehab and the cost of meds to prevent it from happening again. My CPA mother, who's used to going over people's medical bills to ascertain deductibility, estimates that February alone cost $100K+. That squares with my guess as someone who's worked in the health field for 20 years, but I don't actually know, because I never saw a bill -- it went straight to the govt, meaning that I was free to focus on getting better -- but I promise you, it makes the $17K chair look like chump change. Perhaps the difference between you and me lies at least partially in the fact that I am relieved and grateful to be recieving any healthcare.
And yes, I believe that, with laproscopic surgery, ACTUAL cost of a knee surgery could well be in the ballpark of $584 (which any hospital administrator will tell you is dramatically different than billed cost). It's not Medicare underpayment adding to your bills -- it's the uninsured (many of them middle-class) who have to go to the ER for treatment because a routine sinus infection became pneumonia, or because they need a few stitches which could've been provided by a competent doctor in-office in forty-five minutes, and the well-documented provision of expensive unnecessary care for insured people (costly diagnostic tests to rule out extremely remote possibilities, for instance) just because someone will pay for it. Perhaps the appropriate comparitor for your situation isn't your private insurance vs. Medicare/Medicaid, but rather insured vs. uninsured: what kind of chair do you think your son would've gotten had you had NO health insurance. Are you really saying that some 50M people should go entirely without care so that others can get Cadillac care? And remember: most chronically ill people (me, for instance), are effectively shut out of private insurance, substantially lowering your premium rates. Also, I'm reasonably certain that your son's care costs more than your premiums, so that excess is being passed on to someone else as well. Which, I might add, is the whole point of insurance, public or private.
In a way, it's like the Post Office: everybody complains, but I have yet to meet anyone who sends all or even most of their mail through FedEx or UPS. Why? Because the USPS provides reliable and comparatively speedy service throughout the entire US (and much of the rest of the world) at a vastly lower cost than private industry. Sure, industry is vastly better at providing customer service, but apparently the premium they charge isn't worth it when most people are sending out holiday cards. Would the more expensive care be worth it if you personally were footing the bills? Would it even be possible?
So you (wrongly) called bullshit on me; now it's my turn. While yours and my personal experiences are interesting and not without merit, they do not and cannot tell us the ultimate value that Americans are receiving for our health dollars. In an earlier post, I provided data; I challenge you to do the same. If you need help, start at www.pubmed.com (a government-sponsored program, coincidentally). Tell me what's wrong with Medicare/Medicaid/the VA, and back it up with real data instead of something you heard about someone's brother's experience over lunch one day.
And finally, I wish your son the best, and am happy he got his chair. I know people with CP, and it sucks. God is an asshole sometimes. That doesn't mean you have to be one too.
@ShanghaiLil: I'll pull back the bullshit flag. I really hope your health improves and by no means do I want this to be a personal attack on you. It seems we have just gotten two different levels of service from Medicaid. All I know is my son got treatment through private insurance that he couldn't get from Medicaid. I didn't "hear about someone's brother's experience over lunch one day", I've lived it for the last 22 years.
Something tells me that we will never agree on this topic, and I'm not about flaming each other. We have just had different experiences with Medicaid.
@fuckingoldman: Agreed wholeheartedly. Which generally is why it's important that people not make assumptions, good OR bad, based primarily on their personal experience. There are enough problems with healthcare that are real and difficult that, to go back to the general post that this thread arose from, we the people don't need to make up new ones. (Just so it's said, that's a broad generalization to conclude, and not a personal accusation against you).
AH debate. the hallmark of American democratic processes.
Excuse me, i have to go visit my canadian doctor, with whom i made an appointment, just 15 minutes ago.
@Artur Van Asinine: I seriously have to stop paying attention to US news for a while. All of these people yelling "socialism" are starting to make my head hurt.
Hope you get a clean bill of health, btw.
@tell Dolly Parton again: I noticed that too. And it's only 7 months in!
(Stumbled across a Jimmy Fallon clip last week and he was doing pretty well with Obama, and Bill Clinton, too. Still not gonna watch his show, though.)
none of these people should be talking about our healthcare reform. they're not even americans! john oliver is from the uk, samantha bee is canadian, and the brown guy is, well, brown.
The one time I saw Obama address this he was barely able to contain his ridicule at this notion (as any intelligent person would).
BUT you can get your freak on, wear your Big Foot Exists! tee shirt and foil hat, and still pull the lever in the voting booth.
And there's the problem.
@son of spam: No. The problem is that although these people are batshit crazy, they still vote and you have to seriously explain to them that there are no death panels (preferably in words with less than 5 letters...and speak slowly) even though the idea of explaining away the ridiculous makes you want to tear out your hair and keeps you from more important tasks.
@BxgrlJeri: So, what if we had some sort of test, like a comprehension test or something...
*smirk*
Maybe the problem is that the administration and congressional leadership are not doing a good enough job of communicating that these folks can't see for themselves that they're being lied to.
@momof3wildkids: GAH, there is ALREADY rationed care. Profit-driven healthcare has rationed, oh, about 50 million people out of getting any insurance whatsoever. Many of us who do have it have to fight tooth and nail to get our insurance companies to cough up payment for treatments that should be covered, simply because the treatments are expensive and "health" insurance companies would rather not hurt their bottom line for the sake of something so pedestrian as our "health." How is that not rationing?
If it's a given that there aren't enough resources to provide every single person any treatment she wants or needs, somebody ultimately has to evaluate whether a treatment is reasonable given its cost, it's effectiveness, the condition of the patient, etc. I'd MUCH rather have a panel of disinterested government bureaucrats doing the evaluations rather than employees of a company that is actively trying to screw me out of getting the services my overpriced coverage ostensibly bought me.
@skippywasserman: Yes the problem is that some people take it for granted that the American public is too smart to believe the birth certificate story, the death panel story etc etc.They're not. They're as dumb as plankton.
@Mediahohoho: You'd be surprised at how hard it is to scare some old people. Saying that old people are the easiest to scare is an agism based stereotype. Small children are the easiest to scare. Some of hose kids are afraid of clowns and lizards.
So, what you guys are saying is that we shouldn't seek a plan that doesn't ration healthcare, but instead switch the rationing to government controlled rationing? Is that because the government has proven themselves to be so much wiser than private enterprises? I guess there is some merit to that argument in that the government would never do anything as foolish as running up enormous deficits or buying fancy private jets when they are in economic crisis.
The government is an enormous corporation. The citizens are the shareholders. As a shareholder of the US corporation do you really want them embarking on
@skippywasserman: You can thank Jim Crow era southerners for the fact that any idiot who rides in on the short bus has the same right to vote you do. If it weren't for the obvious abuses things like literacy tests open up, you could have a much smarter electorate. So you just have to get used to the idea that this country's future is at the mercy of stupid people.
@BxgrlJeri: Health care isn't RATIONED. I'm not saying that insurance companies don't deny services, nor am I saying that the current system works.
Rationed means "To restrict to limited allotments." This means that some people will get a service and others won't. That is what people find scary... how do you qualify for that service? How is it determined who gets that cancer drug, MRI, CAT scan, appointment with doctor, etc..... I suppose you could liken it to the saying, 'better the devil you know, than the devil you don't.
I am for health care reform. I've read the Health care affordability act of 2009. It raises more questions than it answers.
@flossy: "I'd MUCH rather have aa panel of disinterested government bureaucrats doing the the evaluations" Go talk to patients at a VA hospital and see what they say about that disinterested panel.
@momof3wildkids: "This means that some people will get a service and others won't."
Whereas under our current system, the only people who get service are the rich who can afford the treatments the insurance companies won't pay for.
You're right, it's not "rationing," it's straight up denying. So, to me, rationing at least sounds like a step in the right direction.
@nozer: Only the rich can get basic diagnostics like CAT scans, MRIs, basic chemotherapy? You are using the same fear mongering tactics as the wackos on the right.
Give me some stats on how many and what type of services insurance companies deny to back up your statements.
@son of spam:
@skippywasserman:
1st) He was making a joke.
2nd) The problem is more with the loud shouty crazies who have millionaire backers, not the lack of information.
Contrary to the assertions of lazy people, detailed information is easy to come by. Unfortunately, for the general population, shouty crazy people get more airtime and always seem to have the same ultra rich folks funding them (directly, or indirectly.)
You have a group of people who are literally making things up and it's being disseminated as though it were documented fact. Those in congress who are in favor of health care reform have to deal with try to explain something that is boring, not having a single specific plan to talk about and having to debunk outrageously crazy bullshit.
@momof3wildkids: Do you honestly believe that we don't have rationed healthcare right now? I have private insurance through my job and for my wife's bipolar treatment she got 5 out of network therapist visits, and with her psychiatrist she only gets 15 minutes at a time. 15 minutes!!! Explain to me how that is not rationing, because I would really fucking like to hear that argument.
@HurtsSoGood: Go ahead, blame the South for everything.
On a more serious note: I was around when the whiz kids from Harvard - the best and the brightest - brought us deep into Viet Nam.
I'll go with the wisdom of the crowd no matter how dumb some of them are.
@momof3wildkids: I am a VA patient... 80 per cent, combat-related. Is the system frustrating? Of course. Bush stripped it of resources, stocked it with cronies, and went gunning for Gog and Magog. But I get the care I need. Please find another generalization.
@nozer: RIGHT. If health care weren't currently rationed we would NEVER hear of someone dying because their doctor wouldn't order the diagnostic test they needed.
I had a friend who had to pay an ambulance bill of almost 2k because the health insurance thought the ambulance was "unnecessary."
And on and on and on. health care is ABSOLUTELY rationed right now and just about everyone knows someone with a nightmare health insurance scenario.
AND the only people who say the current health care bill raises more questions than it answers are the ones making up silly, pointless, scary questions.
@sludjbunni: Thank you, I didn't want to be all...I have this friend, but I have to say I know several veterans and while they have their complaints they all receive the care they need. They just have to deal with some red tape. But guess what, so do I and I have private insurance through my employer.
@rwhiten3: I have an uncle with poorly controlled bipolar who is being treated by a VA hospital. Sadly, his treatment doesn't sound any better than your wive's.
You make a good point that the policy limits on your employer sponsored health plan restricts your wife's access mental health care. Although I have read the bill, I don't recall if there would be specific limits on mental health treatments. I suspect there will be, but I cannot point to the part of the document that discusses that at this moment.
What I would be concerned about and be asking your legislators about is there going to be a waiting list for your wife to see her psychiatrist along with policy limits. Perhaps your That would make an already piss poor situation much worse.
I understand your frustration. I have two kids on the spectrum. Our health insurance doesn't pay for any speech, OT, psych or behavioral therapy with an autism diagnosis. My kids at the peak of their therapies were EACH receiving over 20 private hours per week at $100-170 an hour per therapy. CT just changed the law, to establish some coverage in this area.
Our system is broken, clearly. It is clear to me that we need health care reform. I've read the bill and I am not convinced that this bill will solve the situation in the way we all hope.
@ChillbearLatrigue: Not that it's a surprise, but you're being obtuse. The difference between a government directing the course of healthcare and a private corporation doing so lies in the profit margin that motivates one but not the other. I resent the holy fuck out of any corporation that will willfully decide it's not in their fiduciary interest to treat a child's cancer.
How about we do this? I fund the parts of government I believe in--universal health care, education, etc--and withhold the part of my taxes that go toward unnecessary defense systems, star wars, foreign bases--basically, anything that's not defense but offense. Conversely, you direct your taxes where they want to go.
I guarantee you my taxes will be lower than yours. And my world will be better.
@Mediahohoho: Obtuse? 30 days in solitary confinement.
I'm going to use this by way of example. This is UNH's key statistics: [finance.yahoo.com]
Their profit margin is 4.24%. The notion that the profits are what is driving up the cost of healthcare is ludicrous. Cigna's was 3.2%. Even if you looked just at their operating margins, which is probably a more fair way to analyze this, you're still talking about 8% and 5% respectively. The profits are not the issue.
I will again cite my example of another government run service that is rationed: legal defense. You have the right to a public defender if you can't afford an attorney. Only your public defender will strong arm you into pleading guilty to a lesser charge even if you're innocent, because the best thing for the government system is to avoid an expensive trial and get you off of their books. If you insist on going to trial, you can count on having your attorney switched several times on you before you ever reach that point and unless it's a high profile case, you are virtually guaranteed to get an inexperienced attorney fresh out of law school. Why? Because the good public defenders go into private practice. Now, does this practice serve society? Does it serve the accused? Or does it serve the budgetary concerns of the government? I hope you never get arrested, but if you do, I hope you don't have to rely on the government to defend you.
@momof3wildkids: Regarding your uncle's situation, the VA's mental health resources got royally hammered by Bush's drones: a stunningly foul demonstration of government services programmed to fail by political fiat.
I am no cheerleader for the VA, but the system works when it's allowed to work.
@ChillbearLatrigue: You've touched on what I think is an important rationale for government-sponsored insurance: private companies are first and foremost accountable to their shareholders. Since there IS no plan anywhere in practice that doesn't ration health care, I'd personally rather have it be done by someone who is accountable to me.
@momof3wildkids: That's not the only way that healthcare can be rationed: if, for instance, anyone can get generic antibiotics, but people with serious and/or chronic illnesses can't get the expensive care they need, then rationing has not occurred by your definition; it has occurred by my definition. The major costs of health care are incurred by the very old and the very ill. If you exclude those people, as the priivate insurers often do, then you can hold down costs by simply not giving people the care they need -- in other words, by rationing care based on health and economic status.
And by the way, the metric of "years of productive life saved" is commonly used by scientists, doctors and yes, insurers, to make decisions about the distribution of care. For instance, I remember when Human Growth Hormone was approved for the treatment of AIDS-related wasting, it provided an average of a few months of crappy, painful, low-quality life at a cost of something like half a million dollars. Would we be better off spending that money on flu vaccines for at-risk people or smoking cessation programs? The latter would undoubtedly save more years of productive life -- in fact, one could well argue that paying for the former at the expense of the latter is far MORE problematic. These lines are drawn, and have to be drawn until we have limitless resources for health care -- in other words, for ever.
@momof3wildkids: Give me some stats on...what type of services insurance companies deny
Experimental treatments. May sound perfectly reasonable, but when you have a life-threatening illness with no proven treatment, as I did for a while, that exclusion can be a major problem. I'm not saying I'd necessarily do it differently if I ran the zoo, but it's definitely a type of service that insurance companies ROUTINELY deny.
@PatricianAtlantan: Another (temporary, but native) Atlantan here. And AFTER those whiz kids from Harvard took us into Vietnam, the South voted them and their proteges (Rumsfeld, Cheney, etc.) back into office for eight freaking years, and let them take us into Iraq for reasons that were no better than Vietnam. So yeah, I pretty much blame the South for everything. For me, the South is like Paris: if it weren't for all those French people, Paris would be perfect.
@ShanghaiLil: Agreed, but to which you will they be accountable? The sick you or the taxpayer you? You will want your healthcare when you are sick and want to keep some portion of your money when you are working. You, me and everyone we know are complex bosses.
@ChillbearLatrigue: Yes, but at least they won't have a financial incentive to deny as many claims as they can...And how 'bout this: the taxpayer me will cut a deal with the sick me, and forgo both those F-22s and Nancy's jets to pay for health care. Only a drop in the bucket, but it'd more than cover allocation of MY tax bill.
@ShanghaiLil: Yes, and I can afford a mansion if I could just lay off buying my morning latte every day. Look at a pie chart. [en.wikipedia.org]
Do you want zero defense spending? Cut it in half and you still won't pay for the healthcare of the 20% of Americans who don't already have it.
@ChillbearLatrigue: My bad. I said "profit margin" and meant "profit motive." I do that kind of word switch a lot. But the percentages you quote still don't move me for two reasons: 3 - 5% of what? I think it's got to be pretty high, which makes it high stakes no matter how you slice it. Hell, when you're incentivising your CEOs with 9-figure bonus packages, I'm pretty sure of it.
The other thing is the degree to which the real money for insurance companies is made or lost by mere percentage points in the stock market. Wall Street looks at insurers' bottom lines and, to a large extent, determines how they run their (and most other) businesses; if Wall Street determines bone marrow transplants are hurting CIGNA's bottom line, CIGNA will amend the practice, I have no doubt. No matter what, the incentive to trim costs at the expense of their subscribers' health is undeniable.
I also find myself strangely unmoved by your public defender analogy knowing that you come from an anti-defendent death penalty state where most of the residents believe a penny spent on a criminals' defense is a penny too much.
@Mediahohoho: Well, my experience is limited to the South Florida area, but I did note that Bernie Madoff elected private counsel. I'm wondering if i have ever seen a case where the defendant requested a public defender when they had a choice. It doesn't matter if you are personally moved by the analogy. The fact of the matter is that this situation is the issue of many governments at many different levels and somehow they universally provide the same substandard product.
@ChillbearLatrigue: I would think another way of explaining this public defender analogy is that those who can choose private counsel, while those who can't are at least given a defender, even if they can be not so good.
With this health care plan, anyone who can afford it can still have their private insurer, and anyone who can't can take the government health care. The way the system is set up now is more like if you can't afford an attorney, you have to defend yourself (which will almost always be worse than a public defender).
@ChillbearLatrigue: No, but when you throw in the 20-30% administrative costs that private insurers are throwing onto the bill, you've come a long way, baby.
I still dont get how Palin and these other Republican dregs are getting away with this shit.
The first amendment protects free speech, not LYING. Why haven't they been called out on this stuff?
@HurtsSoGood: Riiight, because the left would never resort to that kind of behavior. The Dems are losing this deal precisely because they are attacking people for doing exactly what they themselves spent the last 8 years doing to the Repubs. Instead of saying where the protesters are wrong in ideology they attack them as un-american. How many times since 2000 have I heard that dessent is capital A, American. Maybe a million times?
@Lance Uppercut: Perfect example, YOU.
No one EVER said these people where unamerican. Not at all. I dont think they are, I DO think they are wrong.
But last I looked I didnt see Republicans physically attacked or threatened with loaded handguns at events as we have had in the last few weeks. In fact the only physical attack I remember was a shoe thrown by a guy in ANOTHER COUNTRY.
I certainly remember watching kids beaten to a pulp on a college campus near me though for protesting the war in Iraq.
If ANYONE is being faciest, its the Republicans right now. Remember the Nazis where the MINORITY party before they beat and murdered people in the shadows, while appealing to the uneducated masses in public.
@Jim Topoleski: And who was in the minority not too long ago?
What nobody on here has mentioned is that healthcare would HAVE to be rationed. Currently only those who can afford it have healthcare insurace. But when EVERYONE has it for FREE then everyone will try to use it.
Forget the VA, try going to the emergency room in a Military Hospital. When I broke my leg in two places I sat in the emergency room for 4 hours with no pain killer before they brought me an ibuprofen because my wife got fed up. And I was the service member! When a civilian who is married to the service member tries to get care they go to the bottom of the list!
Are members of Congress and B. Obama going to be forced into the new system just like every other american? If so will someone like Teddy Kennedy be denied his cancer treatment next time around because of his age and other factors (like drinking) or will he be given preferential treatment?
Don't look at health insurance companies or hospitals or providers for your profits. Look at the equipment providers who make that CT or MRI machine and see how much it costs as well as if the contract requires a payment per use by the providers. Those situations as well as the drug companies are the driving factor in health costs.
And they get away with it because the Govt requires certain things be covered by Health Insurance companies.
Another example where govt needs to get out of the way. Yes the industry needs to be regulated, but right now you can't even buy healthcare across state lines. WTH?
@Russell Lynn: I'm curious: if "govt needs to get out of the way," then who is going to provide the regulation that, according to you, the industry needs?
This reminds me that as much as some people like to claim otherwise, the people who brought down the Soviet Union were the people who took to the streets of Budapest, Prague, East Berlin and other capitals to finally say no to being lorded over by an "ideologically pure" elite.
Each action is a drip, drip, drip eroding the facade of legitimacy from this regime. Make no mistake, this is no North Korea, no Syria, no Egypt, no Saudi Arabia. They have a (poorly written) constitution organized around the cult of personality of a dead man, but it is a constitution nonetheless. However, they can no longer stem the tide of history. The average age in Iran is 25; they're ready to participate in the larger world and they see no reason not to. I predict that the armed forces will lose its taste for killing Iranians over the next week or so and push back against the regime. After that happens, all bets are off.
I had no idea how fragile the Iranian government actually is. IMHO they appear to be using a show of force to mask their fear, but no rational person can think that some of these measures are going to quell the protestors. The people over there were moved to this demonstration because the moolas tampered with an election that they had already rigged through the candidate selection. Further provocation by the Iranian government is going to provoke the protestors.
On a personal note, I want to call these people "revolutionaries" so badly. I mean no disrespect when I say that I don't think that they are there yet. I'm not thirsting for blood. I really believe that a lot more good people will be harmed before this is over, but if there has to be a revolution to unseat these oppressors, then I don't want to see them have to start over and relive the first bloody week again.
@ChillbearLatrigue: I think that a group of people qualify as "revolutionaries" when they risk death for their cause. Taking the events of the weekend into consideration, I think they've earned that label.
Amazing.. the Iranian regime is following the same path all authoritarian, dictatorial regimes do, crack down on the people, media, make up stories and denounce anyone who doesn't agree as an enemy of the people...
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And yes, I believe that, with laproscopic surgery, ACTUAL cost of a knee surgery could well be in the ballpark of $584 (which any hospital administrator will tell you is dramatically different than billed cost). It's not Medicare underpayment adding to your bills -- it's the uninsured (many of them middle-class) who have to go to the ER for treatment because a routine sinus infection became pneumonia, or because they need a few stitches which could've been provided by a competent doctor in-office in forty-five minutes, and the well-documented provision of expensive unnecessary care for insured people (costly diagnostic tests to rule out extremely remote possibilities, for instance) just because someone will pay for it. Perhaps the appropriate comparitor for your situation isn't your private insurance vs. Medicare/Medicaid, but rather insured vs. uninsured: what kind of chair do you think your son would've gotten had you had NO health insurance. Are you really saying that some 50M people should go entirely without care so that others can get Cadillac care? And remember: most chronically ill people (me, for instance), are effectively shut out of private insurance, substantially lowering your premium rates. Also, I'm reasonably certain that your son's care costs more than your premiums, so that excess is being passed on to someone else as well. Which, I might add, is the whole point of insurance, public or private.
In a way, it's like the Post Office: everybody complains, but I have yet to meet anyone who sends all or even most of their mail through FedEx or UPS. Why? Because the USPS provides reliable and comparatively speedy service throughout the entire US (and much of the rest of the world) at a vastly lower cost than private industry. Sure, industry is vastly better at providing customer service, but apparently the premium they charge isn't worth it when most people are sending out holiday cards. Would the more expensive care be worth it if you personally were footing the bills? Would it even be possible?
So you (wrongly) called bullshit on me; now it's my turn. While yours and my personal experiences are interesting and not without merit, they do not and cannot tell us the ultimate value that Americans are receiving for our health dollars. In an earlier post, I provided data; I challenge you to do the same. If you need help, start at www.pubmed.com (a government-sponsored program, coincidentally). Tell me what's wrong with Medicare/Medicaid/the VA, and back it up with real data instead of something you heard about someone's brother's experience over lunch one day.
And finally, I wish your son the best, and am happy he got his chair. I know people with CP, and it sucks. God is an asshole sometimes. That doesn't mean you have to be one too.
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Something tells me that we will never agree on this topic, and I'm not about flaming each other. We have just had different experiences with Medicaid.
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Excuse me, i have to go visit my canadian doctor, with whom i made an appointment, just 15 minutes ago.
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Hope you get a clean bill of health, btw.
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Hoorah! ;-)
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(Stumbled across a Jimmy Fallon clip last week and he was doing pretty well with Obama, and Bill Clinton, too. Still not gonna watch his show, though.)
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BUT you can get your freak on, wear your Big Foot Exists! tee shirt and foil hat, and still pull the lever in the voting booth.
And there's the problem.
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*smirk*
Maybe the problem is that the administration and congressional leadership are not doing a good enough job of communicating that these folks can't see for themselves that they're being lied to.
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If it's a given that there aren't enough resources to provide every single person any treatment she wants or needs, somebody ultimately has to evaluate whether a treatment is reasonable given its cost, it's effectiveness, the condition of the patient, etc. I'd MUCH rather have a panel of disinterested government bureaucrats doing the evaluations rather than employees of a company that is actively trying to screw me out of getting the services my overpriced coverage ostensibly bought me.
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So, what you guys are saying is that we shouldn't seek a plan that doesn't ration healthcare, but instead switch the rationing to government controlled rationing? Is that because the government has proven themselves to be so much wiser than private enterprises? I guess there is some merit to that argument in that the government would never do anything as foolish as running up enormous deficits or buying fancy private jets when they are in economic crisis.
The government is an enormous corporation. The citizens are the shareholders. As a shareholder of the US corporation do you really want them embarking on
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Rationed means "To restrict to limited allotments." This means that some people will get a service and others won't. That is what people find scary... how do you qualify for that service? How is it determined who gets that cancer drug, MRI, CAT scan, appointment with doctor, etc..... I suppose you could liken it to the saying, 'better the devil you know, than the devil you don't.
I am for health care reform. I've read the Health care affordability act of 2009. It raises more questions than it answers.
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Whereas under our current system, the only people who get service are the rich who can afford the treatments the insurance companies won't pay for.
You're right, it's not "rationing," it's straight up denying. So, to me, rationing at least sounds like a step in the right direction.
08/11/09
Give me some stats on how many and what type of services insurance companies deny to back up your statements.
08/11/09
@skippywasserman:
1st) He was making a joke.
2nd) The problem is more with the loud shouty crazies who have millionaire backers, not the lack of information.
Contrary to the assertions of lazy people, detailed information is easy to come by. Unfortunately, for the general population, shouty crazy people get more airtime and always seem to have the same ultra rich folks funding them (directly, or indirectly.)
You have a group of people who are literally making things up and it's being disseminated as though it were documented fact. Those in congress who are in favor of health care reform have to deal with try to explain something that is boring, not having a single specific plan to talk about and having to debunk outrageously crazy bullshit.
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On a more serious note: I was around when the whiz kids from Harvard - the best and the brightest - brought us deep into Viet Nam.
I'll go with the wisdom of the crowd no matter how dumb some of them are.
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I had a friend who had to pay an ambulance bill of almost 2k because the health insurance thought the ambulance was "unnecessary."
And on and on and on. health care is ABSOLUTELY rationed right now and just about everyone knows someone with a nightmare health insurance scenario.
AND the only people who say the current health care bill raises more questions than it answers are the ones making up silly, pointless, scary questions.
For fuck's sake.
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You make a good point that the policy limits on your employer sponsored health plan restricts your wife's access mental health care. Although I have read the bill, I don't recall if there would be specific limits on mental health treatments. I suspect there will be, but I cannot point to the part of the document that discusses that at this moment.
What I would be concerned about and be asking your legislators about is there going to be a waiting list for your wife to see her psychiatrist along with policy limits. Perhaps your That would make an already piss poor situation much worse.
I understand your frustration. I have two kids on the spectrum. Our health insurance doesn't pay for any speech, OT, psych or behavioral therapy with an autism diagnosis. My kids at the peak of their therapies were EACH receiving over 20 private hours per week at $100-170 an hour per therapy. CT just changed the law, to establish some coverage in this area.
Our system is broken, clearly. It is clear to me that we need health care reform. I've read the bill and I am not convinced that this bill will solve the situation in the way we all hope.
08/11/09
How about we do this? I fund the parts of government I believe in--universal health care, education, etc--and withhold the part of my taxes that go toward unnecessary defense systems, star wars, foreign bases--basically, anything that's not defense but offense. Conversely, you direct your taxes where they want to go.
I guarantee you my taxes will be lower than yours. And my world will be better.
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I'm going to use this by way of example. This is UNH's key statistics: [finance.yahoo.com]
Their profit margin is 4.24%. The notion that the profits are what is driving up the cost of healthcare is ludicrous. Cigna's was 3.2%. Even if you looked just at their operating margins, which is probably a more fair way to analyze this, you're still talking about 8% and 5% respectively. The profits are not the issue.
I will again cite my example of another government run service that is rationed: legal defense. You have the right to a public defender if you can't afford an attorney. Only your public defender will strong arm you into pleading guilty to a lesser charge even if you're innocent, because the best thing for the government system is to avoid an expensive trial and get you off of their books. If you insist on going to trial, you can count on having your attorney switched several times on you before you ever reach that point and unless it's a high profile case, you are virtually guaranteed to get an inexperienced attorney fresh out of law school. Why? Because the good public defenders go into private practice. Now, does this practice serve society? Does it serve the accused? Or does it serve the budgetary concerns of the government? I hope you never get arrested, but if you do, I hope you don't have to rely on the government to defend you.
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I am no cheerleader for the VA, but the system works when it's allowed to work.
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And by the way, the metric of "years of productive life saved" is commonly used by scientists, doctors and yes, insurers, to make decisions about the distribution of care. For instance, I remember when Human Growth Hormone was approved for the treatment of AIDS-related wasting, it provided an average of a few months of crappy, painful, low-quality life at a cost of something like half a million dollars. Would we be better off spending that money on flu vaccines for at-risk people or smoking cessation programs? The latter would undoubtedly save more years of productive life -- in fact, one could well argue that paying for the former at the expense of the latter is far MORE problematic. These lines are drawn, and have to be drawn until we have limitless resources for health care -- in other words, for ever.
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Experimental treatments. May sound perfectly reasonable, but when you have a life-threatening illness with no proven treatment, as I did for a while, that exclusion can be a major problem. I'm not saying I'd necessarily do it differently if I ran the zoo, but it's definitely a type of service that insurance companies ROUTINELY deny.
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Do you want zero defense spending? Cut it in half and you still won't pay for the healthcare of the 20% of Americans who don't already have it.
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The other thing is the degree to which the real money for insurance companies is made or lost by mere percentage points in the stock market. Wall Street looks at insurers' bottom lines and, to a large extent, determines how they run their (and most other) businesses; if Wall Street determines bone marrow transplants are hurting CIGNA's bottom line, CIGNA will amend the practice, I have no doubt. No matter what, the incentive to trim costs at the expense of their subscribers' health is undeniable.
I also find myself strangely unmoved by your public defender analogy knowing that you come from an anti-defendent death penalty state where most of the residents believe a penny spent on a criminals' defense is a penny too much.
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With this health care plan, anyone who can afford it can still have their private insurer, and anyone who can't can take the government health care. The way the system is set up now is more like if you can't afford an attorney, you have to defend yourself (which will almost always be worse than a public defender).
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The first amendment protects free speech, not LYING. Why haven't they been called out on this stuff?
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No one EVER said these people where unamerican. Not at all. I dont think they are, I DO think they are wrong.
But last I looked I didnt see Republicans physically attacked or threatened with loaded handguns at events as we have had in the last few weeks. In fact the only physical attack I remember was a shoe thrown by a guy in ANOTHER COUNTRY.
I certainly remember watching kids beaten to a pulp on a college campus near me though for protesting the war in Iraq.
If ANYONE is being faciest, its the Republicans right now. Remember the Nazis where the MINORITY party before they beat and murdered people in the shadows, while appealing to the uneducated masses in public.
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What nobody on here has mentioned is that healthcare would HAVE to be rationed. Currently only those who can afford it have healthcare insurace. But when EVERYONE has it for FREE then everyone will try to use it.
Forget the VA, try going to the emergency room in a Military Hospital. When I broke my leg in two places I sat in the emergency room for 4 hours with no pain killer before they brought me an ibuprofen because my wife got fed up. And I was the service member! When a civilian who is married to the service member tries to get care they go to the bottom of the list!
Are members of Congress and B. Obama going to be forced into the new system just like every other american? If so will someone like Teddy Kennedy be denied his cancer treatment next time around because of his age and other factors (like drinking) or will he be given preferential treatment?
Don't look at health insurance companies or hospitals or providers for your profits. Look at the equipment providers who make that CT or MRI machine and see how much it costs as well as if the contract requires a payment per use by the providers. Those situations as well as the drug companies are the driving factor in health costs.
And they get away with it because the Govt requires certain things be covered by Health Insurance companies.
Another example where govt needs to get out of the way. Yes the industry needs to be regulated, but right now you can't even buy healthcare across state lines. WTH?
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On a personal note, I want to call these people "revolutionaries" so badly. I mean no disrespect when I say that I don't think that they are there yet. I'm not thirsting for blood. I really believe that a lot more good people will be harmed before this is over, but if there has to be a revolution to unseat these oppressors, then I don't want to see them have to start over and relive the first bloody week again.
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