Published: Wednesday, Aug. 27 2014 9:00 a.m. MDT
Perhaps insurers and their profit margins should be wiggled right out of the
health care business and replaced with a proper, single payer health care
More class warfare rhetoric from Associated Propaganda.Despite what
some think, health care is not free. Hospitals, doctors, medicine, and
treatment costs money. Someone pays for all that, or there will be none for
anyone.Insurance is simply a mathematical exercise where the
expected costs for treatment for a large number of people are divided among all
those people, expecting that some will be very sick and cost a lot, while others
will be very healthy and cost very little. But, no one can predict who will be
sick or healthy, so it is something of a gamble.You can add benefits
and increase costs, or exclude people very likely to be, or already seriously
ill and cut costs.But, the number have to add up. There is no free
medical care, or free lunch. Someone will pay, either directly on an individual
basis, or averaged over a large group like insurance does, or by confiscating
money from somewhere to pay costs not covered by the individual or insurance-
taxpayers or "the wealthy."Insurance is good, but it merely
averages costs, not creating magic free welfare money.You pay in for
defined benefits, hoping never to use any of them.
Insurers live on the principle of tail risk, so they do everything they can to
avoid paying out or taking on expensive customers. Obviously, they will continue
to do this. 40% of their overhead is devoted to vetting and denying claims.
Meanwhile, the president of UnitedHealthcare is the highest paid CEO in the
nation, at #106 million last year. The insurance business is a massive
Obamacare was, is, and always will be a disaster. the dems over promised and
under delivered, as usual.
Time to get the middle man out of the way, the health insurance industry has
proved itself a dinosaur lets get on with universal healthcare, like the rest of
the grown-ups in the world. Maybe then we can concentrate on actual care and
move up the ladder. The U.S. ranks worst among 11 wealthy nations in
terms of “efficiency, equity and outcomes" despite having the
world's most expensive health care system.or we go back to the
republican plan of emergency room services for all but the favored few.
Are narrow networks a function of the insurance company or a function of the
doctors and hospitals? I know my doctor does not accept all insurance plans and
that is because he has to make a living too and he has decided what rates he is
willing to accept.
Prior to passage of the PPACA Health Ins. had limited networks, varying copays,
and different levels of drug coverage depending on how much risk you were
willing to assume. I was fortunate that my employers' policy in 87 covered
Mayo Clinic and Methodist Hospital in Rochester, MN. Otherwise it was explained
to me that I could have my transplant in Seattle. When will people realize
that having coverage does not guarantee that you can afford the Health Care you
need. For those who are not affluent the costs are still too high and the PPACA
did nothing to fix that. That is why we will continue to have more problems
surface as it is fully implemented.
@Happy Valley Heretic,Universal Healthcare will not make the costs go
down. We have to first reduce the costs of educating providers, manufacturing
medical devices and drugs, reduce lawsuits, etc. in order to reduce the costs of
HVH,Time to get the middleman out of the way? That would require you to
pay the doctor directly; all you want to do is replace one middleman, the
insurer, with another, the government.Had FDR (D) not messed with
free market labor costs, health insurance would not have been connected to job
benefits, and the middleman may never have been inserted in the first place.
lost in DC is right, and HVH is wrong. Unless people pay directly for their own
medical costs, there will always be a middleman. And as long as Americans demand
perfect care and every test gets done, regardless of cost to the
insurer/government payer, our system will be expensive. Single Payer will not
change that, especially as long as Obama does nothing about malpractice since he
is protecting the attorneys.All of the countries with lower
healthcare costs also limit services much more severely than in the US, and they
limit physicians liability. This reduces the defensive medicine practices that
lead to lots of expensive tests all in the name of trying to avoid any
possibility of being sued. The fact is that Americans are not willing to accept
reduced services, decreased access to services, and long wait times. Until that
changes, it does not matter who pays, it will be expensive.
@Hutterite:"Perhaps insurers and their profit margins should be
wiggled right out of the health care business and replaced with a proper, single
payer health care system."I agree with a single payer system,
but so far no one has proposed who that single payer will be and no one has
volunteered.I would object to the idea of the federal government to
taking out a loan to be paid off by my grandchildren. They are in diapers now
and aren't old enough to consent to being liable for such a large bill when
they come of age.Are you willing to volunteer? Is anyone?
The problem is not the "middle man." The problem is the middleman with
huge overhead, high salaries, and shareholders who demand return on investment.
Insurance should be a non-profit zero-sum operation, not one of the more
profitable investments in the country.
A single payer health care system means that the ACA must socialize all heath
care where no insurance companies exist or cover health care. The government
must pay the whole thing with taxation and an even bigger reduction of covered
services. Not only must they socialize health care all hospital become
government property and doctors become governemnt employees who become fixed
income federal workers. All medical records become property of the government
and privacy of doctor patient laws will be voided and death will be most people
hopes.A look at the VA problems and dysfunctional health care is an
example of what can be expected with government mandated health care, sometimes
you can get it and most of the time you can't because doctors, nurses, and
medical training become obsolete in the profession.
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