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Part 1: Pushed to the brink — Utahns one diagnosis from disaster
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House insurance covers major catastrophies, car insurance covers accidents, but states mandate that health insurance cover dozens of minor procedures that drives up the cost for everyone else. Health insurance should be for catastrophic illnesses, high deductible, and we should each have private health savings accounts so we can spend our health dollars in the most efficient way possible.
As long as a person is insured and premiums collected by insurance companies there should be no capped limits on procedures or medical care in policies. Then if there is a dispute on claims it should be done after claims are paid, not before.
The most important change should be that doctors, hospitals or any health care facility should not be allowed to send in claims without a patient review and approval. Kill the authorization to bill without patient reviews.
Health care costs and corruption in the US is on all sides of the issue, over billing and insurance denial. Insurance does not guarantee good health, not even under Obama's plan which is still not finalized at to what it will do for americans.
There are no checks and balances in health care among insurance, providers, and patients(insured). The people are forced to sign blank checks to doctors and hospitals to charge whatever they see fit. People using health care should have the most influence in controlling costs by reviewing and approving bills.
I believe there are reforms that can be instituted in Congress, and in state legislatures, that can bring about cost controls, and elimination of ridiculous bureaucratic rulings that run costs up.
However, the plan being rammed through Congress is no where near likely to work to these ends, and is instead a chimera, a facade, and a foot in the door for much worse gov't intervention and monkeying around, with more losers to be made than winners, and no real effective change in the insurance industry (which will still allow choice, liberty, and personal responsibility and fairness) or pharmaceutical industry' practices.
I look forward to further explorations, Carrie, and recognize the extreme depth and breadth of this complicated network of issues and the necessity of these discussions. I hope, in the end, that the discussion is furthered, and the Obamacare we are currently being forced to consider is decried for its haste, lack of effect, and ultimate foolishness.
Unfortunately, we face a regressive situation: The better the health care, the more people reach the age when the most expensive ailments occur. The end point is that there will come a time when such a large fraction of our society needs expensive medical treatment that there simply will not be enough money to go around.
We must continue to pursue greater efficiency from Insurance companies and Medical Providers. The last thing we should do is to turn this problem over to government and its well-known inefficiencies and inequities, which would only lead to an earlier breakdown than would occur through well-managed private enterprise.
Perhaps the final answer is to have faith in a hereafter and ultimate justice from a loving Heavenly Father who will see to it that all is finally made just and equitable.
Government has always provided risk management services at a lower cost than private enterprise. Defense, police, flood insurance, fire fighting. Even services for the public in general are usually provided more efficiently and more equally than private enterprise: roads, education. Government has never produced profits as efficiently as private insurance companies because the government is not seeking profits, but the insurance companies are.
As to insurance, and savings, these are good ideas that take time and preparation. For those who cannot or have chosen not to prepare, there is a great deal the rest of us can do for them. This is why Utah has such a great medical system. It's a group effort to serve those in need.
If we just tax ourselves, and pay it grudgingly, (who pays taxes cheerfully?) and then pass it on to those in need through mediocre govt healthcare, we forget Charity and put our focus on ourselves.
If someone is sick, we can find out what they need, talk to hospitals and doctors, and get help from those who can by reminding them of what really matters. Doing this will make more of all involved than just paying taxes ever will.
We SHOULD? Oh, how kind.
Tell that to your grocery store clerk, your restaurant cook, your hotel maid, the guy who changes the oil in your car....and about ANYONE ELSE who does direct service for you.
How much do you think they can save in that account?
It's their fault they got sick, couldn't go to work, couldn't pay the bill. They just didn't "work hard", did they?
I think "we should" pay people more. The guy who changes my car's oil turned out to be much better at his job than our investment advisors.
Example: our neighbor.
Ten years ago in Utah, had heart surgery with a stent insertion. His insurance paid $27,000+.
A year ago in Japan, he had an emergency in Japan and within six hours, they had inserted a stent in another artery. Cost? $10,000. He put it on his credit card.
NOW: his health insurance (the same government "golden" type you people always complain about Congress having) IS STILL REFUSING TO PAY THE BILL. Ten years ago, they paid $27K without a quibble, but are refusing to repay him 80% of the more recent bill. You'd think they'd be thrilled he had the procedure done in Japan, where it would cost them 1/3 of what the US bill had been. But no.
When it happens to you.....
Also, while I was a student at university, I did not have to worry about getting sick (and I did get sick) because I didn't have insurance, whereas when I came down here for graduate school, I worried endlessly because I could either eat and pay tuition or pay for health insurance, not both.
So yes, from one person's experience, socialized medicine does work and it does work well.
You DO realize you've just defined a "single-payer" government-run health care system.
I wish you would have been the one to write the health care bill. Great ideas!
Freedom and individual liberty are most important to uphold.
Within communism, people are not free to choose. People claim that this is only how it has been implemented but even the ideal communist system does not allow for individual independent freedom.
Socialism sounds better and seems for many to be a bridge, however it still forgets that even in a system that seems perfect, people are not. If people are greedy and choose to abuse the system (which they will) I will be the one to suffer for another's actions.
Capitalism is every man for himself and it works for that reason. It has it's downs but the point is that you choose whether you are one of those or not. You work for what you get. People HAVE A CHOICE whether they go to Walmart rather than the Utah owned business. People HAVE A CHOICE to demand better options. Agency exists.
I have straight A's and I understand that I worked for this. While not being boastful, I certainly have my weaknesses and they are mine to deal with. I am only saying that I have health care and I work hard for what I have in life. I also have the same freedoms this artist does and I still express myself wonderfully.
People have the choice and this choice will always exist. We authorize our government, if it failed, it is because we let it fail.
I believe that IHC (a non profit) has the highest paid CEO in Utah. Why is this? Why does exxon mobile raise prices with record profits. Arby's brought back the 5 for 5 finally (and offered more, eventually) yet McD's doesn't do this. Some companies learned the lesson. People CAN demand.
Fight socialism, google video Ezra Taft Benson!
I want single payer.
People talk about health care like it's a luxury car. Not everybody should get one, and those that do get one "worked harder."
I call BS. There are other socioeconomic factors beside work ethic that go into what you can and can't afford.
I have great healthcare right now, but plans that my family make are based around whether we can keep coverage. We can afford the premiums, but we couldn't afford the same quality of care on the open market.
My definition of middle class is financial security. You don't have to be rich, but you aren't a crisis away from being homeless. If you want to expand the middle class, make healthcare universal and affordable.
Healthcare shouldn't be a scarce commodity, driven by market forces and profits. In an advanced industrial country, it should be a privilege beared by all and shared by all.
In my mind, that is far more Christlike than having fellow community members help out. That works in Bountiful, but not in downtown Chicago. Or Detroit. Or even downtown Salt Lake.
For those that can't afford the private insurance, how about this? If a person is in rather good health, then maybe having the government insurance is the way to go that covers the minimum effort. If there is more insurance required, then that should be a tiered effect - just like a private insurance - but there needs to be some sort of additional payment.
Just as in some insurance cases, maybe having an option to "pre-pay" into a medical fund - shots, prescriptions, well-child check-ups - and that can be used to help balance the medical budget.
There is no "one" right answer or way to do this. Ideas have to be generated from all areas.
As a small business owner I would love to be able to buy a high deductible policy, say $25,000. As it is now we our paying $14,000 per year for basic health coverage for two people and the insurance company is gifted at avoiding paying for anything.
Doctors and providers deserve great pay. What value is added paying 20% overhead that adds no value to health care? You pay people for figuring out ways not to pay when you have cancer. It's insane.
If they really wanted healthcare for all they would allow interstate insurance sales, require no fault, no prior condition prevent being insured, they need real Tort reform but the trial lawyers give much to democrats so that will never happen. They should require everyone to buy insurance but not tax people just because they can afford a better plan. They should put in cost controls and require more broad competition. The more government gets out of it the cheaper it gets. Lastly they should require providers and pharmaceutical companies to charge no more in the US than they do outside of it. We should not pay the cost of the rest of the world's health care drugs.
These are easy to implement but does not create what politicians want, power over you to ensure you vote for the hand that provides for you.
...we put more focus and investment on finding cures. Medical research is expensive, but it is miniscule compared to the financial and human cost of disease. Many of our family's health issues show promise of cure. Find a cure, save us many thousands, and the country hundreds of billions a year. It's good business.
...we made preventive care easy and cheap. This would save billions more.
...we streamlined diagnosis and treatment. If a doctor finds something of concern, tests should be performed immediately, results returned while you wait, and if tests show a problem treatment should begin immediately. Waiting, not knowing, is torture. And the stress and deterioration caused by delay only adds costs.
If we make smart changes to our system, our family, and our nation might be saved from bankruptcy.
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Of course the insurance companies are in it for profit. We know that. The best way to make a profit is not paying out on claims but to make it hard for those that already have insurance to jump through hoops for payments.
We need to have the Medicare and Medicaid programs cleaned up and use those as the national health plan. The illegal billing from medical personnel and payouts for those two government sponsored aids are what is putting a blight on the whole thing. That's why there is no faith in the government to be in charge of this whole thing.