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My view: U.S. trails rest of world in health care
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Before spending more moeny, something else must happen first. Nothing can change with the healthcare industry until the health insurers lobby is reined in. They are extremely well financed and their incentive is to maintain the status quo, because they are making money hand over fist right now.
It is not the doctors driving up costs, it is health insurance executives that receive obscene salary and benefits packages. Insurers must be taken out of a position where they can exercise undue influence over lawmakers.
Also, doctors are leaving primary care in droves (up to 50% of family physicians want to quit or retire in the next ten years because of rising work loads and falling salaries).
Absolutely no proposals can work if there are not primary care doctors around in sufficient quantities to see all of these uninsured patients who will get coverage. This must be fixed ASAP!
You're the guy who's putting his fingers in his ears, shouting "I can't hear you! I can't hear you!"
I haven't been to Mexico or Canada for healthcare. I do know that in Germany, you get quality care quickly and cheaply.
Something needs to change in the US. Healthcare costs continue to rise, and calling other people liars won't help things.
You're two steps away from losing healthcare. First, you develop a disease. Maybe you just have a mini-stroke. Second, you lose your job and can't find another one that offers healthcare benefits. No private insurance company will take you because of your medical history. Now all it takes is for you to get sick, and there goes your house, your life savings, and everything else.
With one out of every four Americans trapped in our private unsurance system currently rationed to zero with wait times until after it's too late, we win all the booby prizes for both rationing and wait times by FAR (especially in our emergency rooms where wait times are most critical).
Everyone who has done their homework as well as every civilized nation on Earth but ours knows this.
The current system is bankrupting our economy. Companies are spending more on health insurance for their employees than they are doing the thing they're actually in business to do. Case in point, GM spends more per car sold on employee health care insurance than it does on the steel in the car.
Employees are not participating in the job market to seek work that best suites their abilities because they can't obtain health insurance because fewer and fewer employers, especially startups, are able to provide it.
There's no such thing as "free market" principles in health care, so can we please drop the inane arguments about "socialized" medicine?
We need national, single-payer health care NOW.
Our health unsurance system profits by price gouging healthy Americans, denying desperately needed medical care to sick ones, and is unnecessarily and obscenely expensive as well as ANTI-SOCIAL. It pits doctors against patients, small businesses against larger ones, employers against employees, and everyone against everyone. If we all united, chipped in together to make sure medical bills are paid, eliminated unnecessary middlemen (like Medicare and Amish do here now), we would not have to continuously sue each other over who pays medical bills, save hundreds of billions of dollars and millions of innocent wasted lives.
Private health insurance is to Health Care Justice as Al Qaeda is to National Security or KKK is to Civil Rights. Its interests are perverse and contrary to ours.
Personally, I'm afraid of what will happen to both our pharmaceutical and medical advances once the only nation in the world to actually invest in that type of R&D goes to a model where those who invest will never recoup their costs.
I'm not a fan of equal access to healthcare that never gets better. Perhaps the richest nation in the world should continue to help everyone else in this arena. We fund so many advances that are now available here and in many other countries. No one else will spend the money to improve healthcare. I guess it's up to us.
DEPT. AG, IRS, ATF, DEA, Dept Energy, BLM, DOT. etc,
etc, etc. If you think that placing the complexity of the doctor/patient relationship, will improve,controlled by a faceless, bean counting bureacrat, in WA.D.C. I do believe you are delusional.
Freedom from all bad things, mishaps, and misfortune.
Please...protect me from pain and trial.
Do not allow me to fail (or succeed)
This is my right...my entitlement.
Enslave me and keep me safe.
Take all I have or don't have but keep me fed.
Amen
And if you think we're not paying for the uninsured now, only paying far more than by any rights we should be because they end up far sicker than by any rights they should, you would be wrong again.
"no one ought to harm another in his life, health, liberty, or possessions." - John Locke, whose writings helped inspire a portion of the Declaration of Independence
"We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are life, liberty, and the pursuit of happiness." - Thomas Jefferson, and others, in the Declaration of Independence
18,314 American LIVES are lost each year at the hands of corrupt/greedy health insurance providers. (Institute of Medicine statistic) Don't stand for this in America. America is better than that.
The argument is really about how to ration health care. Should we have government beaurocrats decide if we can get care or is it better to have insurance executives decide? Do we want to wait our turn for care, or should we let those who can pay the most jump to the front of the line?
The advantage of a free market is when you introduce profit motive everyone benefits. For example, the Canadian government makes you wait in line (days, months?) for an MRI because those things are expensive. In the US, if people will pay lots of money for an MRI scan, then smart entrepreneurs will figure out cheaper ways to build and utilize them. It's a win-win: the entrepreneur profits, and more people have access to MRI.
Let's take just these simple steps and see how we're doing after a few years.
It scares me that a group of physicians would like an expanded Medicare system to be the model for healthcare in the US. I don't think there is a more deplorable form of 'care' than medicare or medicaid.
As for the 48 million uninsured, that's a number akin to the 30 million homeless bantied about in the 70's. There are many in that number between jobs, or others who choose NOT to pay for insurance (but somehow have cell-phones and cable TV). At every hospital I've been to, medical care is seldom if ever denied because of income or lack of insurance.
My suggestion? Reduce tort cases and implement maximums on punitive awards.
If we cut the costs of malpractice insurance, we can lower the cost of medicine in many ways.
First, the Doctor's rates will drop.
Second, the specialties that have been decreasing in numbers will stop decreasing, and may increase the number of doctors available.
Third, if you have more doctors available, especially for some of the more specialized areas, the cost to go to the doctor will go down.
Here the only people that lose out are lawyers and people playing the Medical Malpractice insurance lottery.
They make less than the 8% for oil companies, Ski resorts average 26.7% profit, Verizon recently posted a profit margin of 27.3%, grocery stores average 6%, power companies average 6% profit, major airlines average 9%, while regional airlines average 18% or more. It seems that there are a lot of companies out there that have higher profit margins, yet are not considered evil by you and others like you.
My doctor prescribed me some $4,000 medication to prevent disability. My insurance denied me this treatment, even though their medical director agreed that it would prevent disability and save them money. Then I asked the hospital to administer the treatment and just bill me. They said they couldn't do it without my insurance backing me up. Then when the resulting disability ensued, my insurance was happy to buy me a $4,000 wheelchair for $12,000. Brilliant, just brilliant! Allow medical decisions to be made by bean counters rather than medically trained personnel, but pay three times the price for medical services.
I personally believe in capitalism, but this is a terrible use of it. If the government were wasting this amount of money we would be outraged. Medicare spends 3% on administration. Private insurance spends 31%. A travesty. Waste, waste, waste. Is this a good example of capitalism? No.
Chris, I can honestly say that I feel America has the greatest health care system in the world. It is expensive, yes, but it is the best. Where else can you go and get the care you need immediately--without regard to your race or ability to pay?
Where else exists the variety of treatments, techniques, and medicines to diagnose and eliminate diseases and conditions?
It is true that there is much to be improved--but I feel health care is in very good shape. I hope that it is not ruined by a government who is already involved enough in it. Health care is not something that should be legislated.
In my view, Chris, the government has no right to tell you that you must have insurance to treat your MS. The government has no right to force you to go to certain doctors or do certain treatments.
If that happened, though, maybe I would start to agree with you, Chris.
Soon enough, insurance will be as expensive and as valuable as Social Security. Not a good thing.
But most of you are looking in the wrong direction to fix it.
It was the government that broke it. It was government legislation that destroyed the charity hospitals and pushed us towards a third party payer system.
Now you want the government to take it over completely. Not bright.
Of course ... that is the big government/socialist pattern. Goverment Creates a crisis through corruption and/or ineptness and then government steps in and saves us from the problem it created. Enslaving us and growing exponentially as it does so.
The real solution is to put consumerism back into the system and get government out of it.
Low co-pay medical plans and HMOs need to go away and we should move to HSA and High Deductible (catastrophic) insurance plans. Insurance should be insurance.
The charity hospital needs to be brought back. Tort reform is also a good idea. We should also look at the FDAs role in all of this.
I would imagine that if somebody is willing to pay for treatment using their own money that if they were denied treatment that lead to a permanent disability that there would be some sort of liability involved.
Right now we are spending 200% what the rest of the developed world is spending for health care, and getting worse treatment.
The average American spends $1,100 on insurance each month. Imagine what we could do if we did away with medical bankruptcies, improved our health care, and pocketed that extra $550/mo. that we are currently wasting.
Hey Einstein, did you miss the part where we as Americans pay more and get lower quality coverage than every other industrialized nation, yet still have tens of millions of citizens without coverage.
Did you miss the part where our manufacturing sector is losing out to global competitors because of the additional human resource costs of health care.
The point of these arguments is that we can have a better system, that benefits US businesses, covers all citizens and costs LESS than our current system.
Heaven forbid another nation come up with a better way to do healthcare and then we actually model our system after it. Better to be too proud, stupid and wasteful than adopt a process we didn't come up with.
but NO one is leaving the US to get "better" healthcare,
why is that?
Because NO ONE truly believes they will get better health care else where.
The answer isn't more insurance, nor government health care,
the problem is insurance!
the answer is doing away with the evils of insurance.
The problems have increased the more we have embraced insured healthcare.
insurance for catastrophic healthcare that can destroy you financially is the only help we need.
I would think that if somebody was sick, had money to pay for care, and needed the care. If a provider only said that they couldn't because of them not wanting to interfere with insurance procedures is not right.
I'm very happy with our health care system. I do agree that limiting liability suits and awards would help reduce costs. And liability insurance costs for doctors would be greatly reduced. I know several very good doctors who have either retired or changed their specialty in order to escape the enormous costs of liability insurance. But since Congress consists mostly of lawyers, I don't suppose we will ever see meaningful tort reform.
This is NOT a political problem, and it shouldn't be.
It is purely an ethical problem, and must be changed voluntarily.
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