Published: Wednesday, Feb. 12 2014 4:00 a.m. MST
To "Meckofahess" you are right, the healthcare system is a mess. The
problem is that you are not diagnosing the source of the problem. You
wouldn't give a person with a brain tumor an asprin for the pain, but that
is exactly what Obamacare has done.Ok, lets look at the problem in
depth. Yes 1 in 4 cannot afford to pay their doctor bills, so what has the
government done about that? Well, for the poorest, it has given them insurance
policies that have deductibles that must be paid before the insurance kicks in.
So, now with the poorest, we pay for insurance they can't use and we pay
again when their problems are critical enough to require ER care.The
problem isn't the insurers, but the government and their micromanaging of
insurance companies.If the government was so concerned about
actually getting care to the poor, why didn't they set up clinics instead
of going after insurance companies?
Using the ACA as the reason you have to cut payroll/benefits is exactly what
business people do to put more money in their pockets.I have no
problem with business owners doing everything possible to maximize profit for
themselves or their shareholders...that is simply the way capitalism works.What I do have a problem with is business owners using the ACA as an
excuse to cut payroll/benefits.
"Getting stiches or a cast can cost two months rent..." I remember
going to an ER in California a few years ago when having some bad symptoms and
after a two hour wait, and then only having my blood pressure tested, I get a
bill for 800 dollars. Health care is too expensive because there is too much
regulation and government involvement. Remember the 800 dollar hammer stories
coming from the defense department? Prices like that can be asked for and
gotten away with because government is too big to manage costs. Open up the
medical care system to nationwide competetion and insurance programs, and watch
the costs drop. And watch the quality of care improve due to the need to
attract customers. If a doctor wants to be a socialist MD, let them practice in
the military, where they get the same pay as any other 04 or 05 ect. Otherwise,
let them be part of the free market economy just like most other service
It costs me more than twenty five percent of my take home pay to just pay for my
insurance. That is before I pay copays, deductibles, or out of network costs. My
friends in the medical field say they have to jack up prices charged the insured
to cover the uninsured whom the law requires they treat even if they cant pay.
So I am being "taxed" by higher premiums to pay the costs of those who
cant pay. OUCH
md: Even if they all did and got rid of these luxuries, they still could not
afford insurance. Most people who don't have insurance have a $18K UTV.
All the posters here prove that our health care system is complicated. It also
is almost 20% of our GDP and is a FOR PROFIT industry. Because of those reasons
change is not going to be easy and is going to be very politcal.
I live in the UK and have a daughter in Utah her son has leukemia which is
obviously bad enough, but to then have massive healthcare excess to pay is
crippling them financially. I don't understand British politics let alone
American politics but there has to be a more equitable way, maybe means tested,
looking at what and how people in need spend what they have, which I am sure
will upset some of the civil liberties people but if the deserving get the help
it must be worth it?
To "FT" here is one thing to remember. Even though healthcare is a for
profit industry, they still are able to make a profit and provide a service
cheaper than the government can.Private insurance companies
typically take 15% of the premiums for overhead and profit. Now compare that to
the 25% to 30% that the Federal government takes for their overhead costs.It only gets worse once you look at money lost to waste and fraud. The
government burns through money 2 to 4 times as fast as private insurance.To "johnklds" you should be glad that your grandchild is in the
US. The US has a 90% survival rate, compared to 78% in the UK. Can you tell me
how much money you would pay to give your grandchild the best chance of
@RedShirtFor acute lymphoblastic leukemia its 90% in the US compared
to 88% in the UK. 78% is for ALL types of cancer in the UK. Just wanted to
correct you there, I am sure you are not the type of person to willingly distort
statistics.As someone who has had a seriously ill child, not having
to worry about medical bills was a huge relief and help. It allowed me to
concentrate purely on my child without any additional stress. My child was was
treated successfully and I didnt have to worry about my insurance company
sending a letter requesting thousands of dollars.
To "UT Brit" and you claim that you have lived in the US and actually
used health insurance here.The insurance companies do not send
bills. They will send you a statement outlining what they paid, and include an
estimate for what you may be required to pay. For those that don't have
the money most hospitals have funds or the ability to write off the bills for
those that actually need help.As for the statistics, still, 2%
better survival rate. How much would you pay to know that you have a better
chance to live?
Right so the letter from the insurance company isn't a bill, they just send
you details on what you have to pay. Biggggggg difference there redshirt! Oh
those hospitals are so generous I am sure they are willing to wipe out
everyone's debt. When you have so many uninsured who pays all those
bills?How much would I be willing to pay? That all depends on if my
wife and children are going to be left bankrupt and homeless at the end.
Thankfully I live in a place where worries like that never cross my mind.
High cost of medical care has been a long time developing but is the product of
what our system has done. We cover things with "insurance" that should
not be part of insurance and we have been socialist in this system with patient
and doctor not being responsible to each other for the cost of services for more
than 60 years. When you spend someone else's money for a service, you tend
to lose track of the cost both as a provider (doctor) and patient, (bills paid
by insurance with those premiums paid by employers). This has caused run away
inflation in healthcare costs for more than 60 years. Obamacare will only make
this worse and create a bigger two tier system with those who have money getting
care and those without, getting emergency care provided by government doctors.
Welcome to Medicare for all and USPS/DMV quality healthcare by government paid
Health care in this country is a tradey. It should NEVER be for profit and
NEVER traded on the stock market. All profits should go back into the system to
pay the Drs. and run the hospitals. All profits need to go back into the system
to keep the costs down. Until we truly have a national health care system, we
will continue to go broke. This country needs to do away with medicare,
medicaid, and have universal health care for all. One system and one healthcare
provider for each state. PERIOD!
Why have we Americans just sat back and allowed the Health Care Providers,
Insurance Companies, Hospitals, Drug Makers, etc all just raise the prices
through the roof? It's akin to the way we just let the oil companies rape
and rob us blind for the basic commodity of gasoline. When are we going to say
"Enough is enough and NO MORE?!!!" We trusted the US Congress and that
was our first mistake, I suppose.
To "maxx1" if we followed your advice, we would never have new
hospitals, new techniques developed, or new medications. How could a Doctor
afford to buy new software for his office if he didn't use the profits he
earned to improve his office? If the drug company didn't use their profits
to develop new drugs or new manufacturing methods, how would that ever
happen?I don't think you know what profits are used for in
healthcare, or other businesses.A universal care system would be
terrible. You see, thanks to profit, health care providers look to make things
cheaper and more efficient. Government beauracracies feed on inefficiency.
Government managers can only prove their worth by the number of people they
manage. So, to look more important they need the system to be inefficient,
which they then use to get more supervisees. So, a job that could be handled by
2 or 3 competent people is now being worked by 8 inefficient people. The system
gets more and more bogged down, which means that for a Universal Care system,
you lose more healthcare dollars to pay for growing inefficiency.To
"toosmartforyou" you cna thank the government for the price increase.
@ Redshirt1701Was it the government who decided that an aspirin at a
drug store, over the counter, was $5 for a bottle of a hundred and that at a
hospital a single aspirin was $15? Aspirin has been around for decades and so
there is no name brand that the medical profession won't approve as a
generic because there isn't money in it so they just jack up the price of a
single tablet to begin with.Why is healthcare so expensive in the
emergency room as compared with a doctor's office for the exact same care?
The hospital's ought to be cheaper because they buy supplies in bulk.Why do healthcare providers not allow you the same price if you pay cash
than if you pay through an insurance carrier when they would have tons less
paperwork and get their money immediately? If you have a procedure that the
hospital bills at $10,000, with you having insurance they might accept $3,500
total from you and the insurance company but if you don't have insurance
they want the entire $10,000...what's with that?Just how is
government responsible for each of these scenarios? Please elaborate.
We have a working model that provides FREE health care for those who cannot pay.
My family utilizes the ER for all doctors visits, diabetes, and if our children
get the flu. Never has their been a bill that we need to pay. Local property
taxes subsidize the hospital and health insurance premiums are higher for the
rich or 1% of this country who can afford it. The model works, why
fix what ain't broke? I don't like the longer wait times, but its
FREE so no complaints.
@ Liberty For All,Nothing is FREE. It may be free to you, but
someone is paying the bill. Local property taxes subsidize the costs, according
to you, so ask those property owners if your healthcare is free and see what
they say.Is this model really for those who can't pay or
perhaps used by some who feel "entitled" and won't pay?
"Free" can be a curse as well as a blessing.
To "toosmartforyou" actually, the government and their mandates on
hospitals contributes a lot to why asprin costs $15 instead of $5, combined with
lawyers that use hospitals like a gold mine.See "$18 For A Baby
Aspirin" at NPR or "4 SoCal Hospitals Close Their ER Doors" at CBS
LA. You can thank government mandates that require hospitals to treat anybody,
regardless of ability to pay.Next, if you want to further understand
the cost, look at malpractice insurance. If 1 OB/GYN costs over $300,000/yr to
cover, how much do you think a hospital full of people costs to insure for
malpractice or even cover for liability?
When Obama care does kick in it will be 3 out of 4 can't pay for health
care insurance or the medical care. Funeral wagons will become common visitors
to neighborhoods because people will be dieing at home instated of in the
hospitals. And if you can afford the health care you can't find a doctor
who will take Obama care insurgence.No, Obama will not give everyone
health care and no one will paying for it either since jobs will not be
collecting and paying the health care insurance to government and workers will
have to work 3 jobs to buy it on their own. Those who don't work will not
get health care and this plan is not meant to pay doctors and hospitals, thats
why their is a $6,000-$12,000 yearly deductible the insured has to pay first.
You might have insurance but it won't pay for any medical care or
prescriptions. Health care in the US is dead industry and doomed to
die when Obamacare law is passed again in 2016, after Obama deserts this
DeseretNews.com encourages a civil dialogue among its readers. We welcome your thoughtful comments.— About comments