|
| Posted by: Perm Dude
- [154552311] Fri, Jul 17, 2009, 20:16
A place to park the opinions.
Here's one: Many bloggers are lazy.
The flip side of the huge army of bloggers overlooking mounds of data is that many of the aren't really reading, understanding, and forming coherent opinions on the topic. They are skimmers. Most of them are just looking for stuff that matches their own biases--the internet is a sort of arms bazaar for those people, where they can go from table to table gearing up for the fight.
The problem (among many) is that these are the self-appointed "new news" people. And on complicated issues like climate change, health care, and the economy skimming for sound bites is a huge disservice all around.
I don't have an answer here, BTW. I'm just sayin'. |
| | | 1 | Perm Dude
ID: 154552311 Fri, Jul 17, 2009, 20:25
|
Meant to link to this Eric Martin piece, with an interesting point on health care costs.
|
|
| | |
| | | 3 | Wilmer McLean
ID: 9642184 Sat, Jul 18, 2009, 05:44
|
CBO: Health bills to increase federal costs, Message unlikely to sit well with Democrats, administration (MSNBC)
updated 4:34 p.m. ET, Thurs., July 16, 2009
The health care overhauls released to date would increase, not reduce, the burgeoning long-term health costs facing the government, Congressional Budget Office Director Douglas Elmendorf said Thursday.
That is not a message likely to sit well with congressional Democrats or the Obama administration, and House Speaker Nancy Pelosi, D-Calif., said Thursday she thinks lawmakers can find ways to wring more costs out of the health system as they continue work on their bills.
...
“In the legislation that has been reported, we do not see the sort of fundamental changes that would be necessary to reduce the trajectory of federal health spending by a significant amount and, on the contrary, the legislation significantly expands the federal responsibility for health care costs,” he (Elmendrf) said.
... The 'Real' Uninsured (FactCheck,org)
|
|
| | | 4 | sarge33rd
ID: 236141411 Sat, Jul 18, 2009, 11:15
|
So it's true that many of the uninsured could, in theory, spare the $3,354 average annual employee contribution for employer-sponsored family coverage, or even the $5,799 average premium for individually purchased family coverage.
If I could get family coverage for $480/m, I would. But I can't. It's $975/m and I am not tossing $11,000+/yr down the drain IN CASE something happens.
|
|
| | | 6 | Boldwin
ID: 467910 Sat, Jul 18, 2009, 11:59
|
I got a way to dramatically drop the cost of medicine. Outlaw medical malpractice suits and doctors can afford to drop their prices in half.
It would lead to substandard medical practices? Forcing doctors into state run systems will really lead to substandard medical practice.
|
|
| | | 7 | WiddleAvi Sustainer
ID: 361032112 Sat, Jul 18, 2009, 12:16
|
How about stopping hospitals from price gauging ? I see the bill that gets sent to my insurance company when my wife gave birth and some of the charges are outragous. $20 Asprin ??!!!! Or how about the fact that if you are uninsured the cost is double ? The insurance companies have a deal to pay at a great discount.
|
|
| | | 8 | sarge33rd
ID: 17681812 Sat, Jul 18, 2009, 13:08
|
Right Boldwin. No need to hold the Anesthieoligist accountable, when he/she administers an anasthetic the patient records are red labeled showing an allergy to. Or the hospital/surgeon who operates on the right limb, when it was the left one that the patient was in for.
B-A-D idea.
|
|
| | | 9 | Perm Dude
ID: 154552311 Sat, Jul 18, 2009, 13:52
|
Even those who most want malpractice insurance reform aren't talking about doing away with the insurance iteself. They are talking about capping (or in some cases doing away with) punitive awards.
Once again, Baldwin places himself even outside the fringe.
|
|
| | | 10 | Boldwin
ID: 467910 Sat, Jul 18, 2009, 16:51
|
For the record, That stuff happens all the time at the DMV...err I mean in state run medicine.
Compassionate healthcare?
|
|
| | | 11 | Boldwin
ID: 467910 Sat, Jul 18, 2009, 16:56
|
Those tears on her cheek will be on your cheek soon.
|
|
| | | 12 | Perm Dude
ID: 154552311 Sat, Jul 18, 2009, 18:18
|
Your fear mongering doesn't work here anymore, Baldwin.
You can show all the youtube links you want--for every one I can show you 20 where the system we have right now is worse.
In 2000 18,000 Americans died because they had no health insurance. Since 2003 we've spent a trillion dollars in Iraq because of 2800 dead on 9/11. The House bill, if passed as is, will cost about a little over a trillion dollars over ten years, saving over 100,000 lives in the process.
Saving tens of thousands of American savable lives might not be what you think the government is about -- perhaps you think the system we have right now is peachy except for those people who get too much money after they win malpractice awards against their doctors.
But you'd be wrong.
|
|
| | | 13 | Tree
ID: 41371322 Sat, Jul 18, 2009, 18:42
|
if tears are what work for you Baldwin, i expect you to leap into action to save this planet!!!
|
|
| | | 14 | Boldwin
ID: 467910 Sun, Jul 19, 2009, 05:34
|
I wish all your 'directives' required your survivors to post the process whereby it was decided that there was no point in providing you food and water during your last ten days of life.
Which conveniently for bankrupted governments trying to pretend to provide adequate healthcare, just always happens to be whenever they say so. It works every time it's tried.
|
|
| | | 15 | Boldwin
ID: 467910 Sun, Jul 19, 2009, 05:54
|
In the euphemistic words of nazi bioethics and the inherently innefficient state policy planners, the fact that withholding food and water just happens to automatically coincide with your 'final ten days of life' [or a very close approximation thereof]...
'appears to present unique opportunities for cost reduction '
|
|
| | | 16 | Boldwin
ID: 467910 Sun, Jul 19, 2009, 06:00
|
And that you would survive the next ten days if you were given food and water is known as...
Risk of Treatment'
It's almost like being a fly on the wall of the hospital ethics committee, isn't it?
|
|
| | | 17 | Boldwin
ID: 467910 Sun, Jul 19, 2009, 06:10
|
Helping the most ill third of patients is known as...
'"potentially ineffective care"
Wouldn't want much of that around in the Obama-care system.
|
|
| | | 18 | Tree
ID: 41371322 Sun, Jul 19, 2009, 09:12
|
i always like your attempts to sneak a Schiavo-related verse into any health care debate.
While i personally thing nothing wrong was done, you don't, and i like your attempts to link her death to Obama, when it was under complete Republican watch - president, governor, senator - that she died.
the fact of the matter is that our current health system does not work. when it's too expensive for working families, that's a big problem in what is supposed to be the most advanced, most civilized, leader of the free world.
i often see you complain about proposed solutions. i rarely see you offer a counter solution, and i NEVER see you do so without some sort of comment about Clinton/Obama/Liberals/immigrants/homosexuals.
so, i ask you, Baldwin. how would YOU fix our health care system, and i challenge you to do so without disparaging any of the above, or any other political "enemy" or "opposite" you have.
what's your solution?
|
|
| | | 20 | Boldwin
ID: 467910 Sun, Jul 19, 2009, 17:31
|
There is no man-made solution. But there is worse. And worse is where we are going.
No, the heartless free market doesn't work well enuff. No greed and selfishness are not virtues.
However it is objectively proven, for a century of experimenting, beyond doubt that they produce better results for more people than marxist utopianism.
Unfortunately no matter how good it makes you feel inside to promise utopia, you will deliver the opposite everytime you promote marxist theory because it does not work in the real world.
And there is a very good reason for that. Political policy makers do not have access to a loving altruistic people to work with. One where one class of people will work hard so that another class may enjoy the benefits.
Anarchy from God does not produce loving altruistic people no matter how hard you wish for it, no matter how charismatic the political speaker, no matter how harshly you threaten, punish and demand it from the people. Sadly, self-interest is the only motor satan's system has to work with.
|
|
| | | 21 | Tree
ID: 41371322 Sun, Jul 19, 2009, 18:31
|
i forgot to also exclude marxist/socialist and whatever other buzzwords you like to use when you are trying to make a lot of empty air actually look like something with depth.
only can a true quack actually involve Satan in a discussion about health care.
|
|
| | | 22 | Perm Dude
ID: 154552311 Sun, Jul 19, 2009, 19:30
|
However it is objectively proven, for a century of experimenting, beyond doubt that they produce better results for more people than marxist utopianism.
This is quite the strawman, Baldwin! Not only has "objective" experimentation not proved this for all things, it certainly isn't the case that what is being proposed is marxist in any sense of the word.
One of the problems your side is facing these days is that, by and large, words mean more than you would want them to. When you throw around "marxist" for example, the assumption people have is that you know what they means, that you can demonstrate it is wrong, and that you are applying it to something present and clear. All too often you fail on all three account, as you are here as well.
The actual proposal on the actual table in nothing like you would have it be. You clearly haven't read it or any part of it, and probably don't read opinion pieces by people who have. And the reason Republicans are losing on the issues is that they refuse to be a part of the discussion of the things actually being discussed--they've decided (like our old friend Baldwin) that they want to use righteous anger and will fish around for some reasons to get them there rather that offer constructive changes to plans, or offer coherent alternatives.
|
|
| | | 23 | Boldwin
ID: 467910 Mon, Jul 20, 2009, 08:02
|
I've got a constructive plan. How about all you victimology pushers get your lawyer's hands out of the medical community's pockets and we can go back to $200 childbirths and 2 and 3 figure medical procedures like it was decades ago. Back before you sabotaged it, all the while claiming to be looking out for people.
|
|
| | | 24 | Tree
ID: 41371322 Mon, Jul 20, 2009, 08:49
|
2 and 3 figure medical procedures like it was decades ago.
sure thing. let's stop all cancer surgeries, open-heart surgeries, and whatever other life-saving techniques we've developed over the last half-century.
i realize in your butter churn household you may not be aware of some of the advances in medicine, but there are lots that save lives, and few of them would ever cost 75 bucks, or even 750 bucks.
|
|
| | | 25 | boikin
ID: 532592112 Mon, Jul 20, 2009, 11:00
|
That is not a message likely to sit well with congressional Democrats or the Obama administration, and House Speaker Nancy Pelosi, D-Calif., said Thursday she thinks lawmakers can find ways to wring more costs out of the health system as they continue work on their bills.
not a good sign you either have to go all the way or don't go at all. If you end up with something in the middle you are not going to solve anything.
|
|
| | | 26 | Mith
ID: 2894309 Mon, Jul 20, 2009, 11:17
|
get your lawyer's hands out of the medical community's pockets and we can go back to $200 childbirths and 2 and 3 figure medical procedures
Show the forum that malpractice insurance drives up costs 10X or 100X or whatever ridiculous thing it is you claim. My recollection is that medical liability insurance is equal to something like 2% of what Americans spend on healthcare.
|
|
| | | 27 | Pancho Villa
ID: 266392010 Mon, Jul 20, 2009, 11:40
|
Back before you sabotaged it, all the while claiming to be looking out for people.
How about all you who condescendingly set yourself up as paragons of virtue cease the polarizing and insulting rhetoric and actually present a constructive plan?
Are you really so ideologically crippled that you have to resort to accusations of sabotage in lieu of a civil debate on the pros and cons of tort reform?
|
|
| | | 28 | DWetzel at work
ID: 49962710 Mon, Jul 20, 2009, 12:46
|
"Are you really so ideologically crippled that you have to resort to accusations of sabotage in lieu of a civil debate on the pros and cons of tort reform?"
Rhetorical question?
|
|
| | | 29 | Boldwin
ID: 467910 Mon, Jul 20, 2009, 12:50
|
There are other factors as well. How about having insurance pay the insured and have doctors and hospital staff actually have to look you in the eye and charge you 3 dollars for an aspirin?
They will have no problem charging an impersonal insurance company or government paper pusher that much.
I know reversing this stuff is like trying to put the toothpaste back in the tube. It's a ratchet. Almost impossible to get back to where we were.
|
|
| | | 30 | Boldwin
ID: 467910 Mon, Jul 20, 2009, 12:53
|
And for the record, we had the best obstetrician in the county and he didn't go three seconds without a worry of frivolous but cumulatively ruinous malpractice claims. You know who is holding up tort reform.
|
|
| | | 31 | Perm Dude
ID: 154552311 Mon, Jul 20, 2009, 12:54
|
They will have no problem charging an impersonal insurance company or government paper pusher that much.
That's true, to a large degree. And maybe what the "public option" of the current bill will do is knock that down to only $2 for an aspirin. But what we're hearing from the GOP these days is the virtues of a system in which $3 aspirin is fine, so long as the system has zero government influence.
As I called it before: The GOP has drawn a line in the sand to defend the right to be overcharged by impersonal insurance companies.
|
|
| | | 32 | Mith
ID: 2894309 Mon, Jul 20, 2009, 12:57
|
You think covering the uninsured (thereby allowing them to make appointments at family doctors) won't cut the massive resources it currently takes to run emergency rooms and corresponding strain on hospital budgets?
|
|
| | | 33 | Perm Dude
ID: 154552311 Mon, Jul 20, 2009, 13:12
|
Tort reform is a strawman. Don't let that get you caught up from fixing the massive problems of overcharging and under-performing health care delivery.
|
|
| | | 34 | boikin
ID: 532592112 Mon, Jul 20, 2009, 13:22
|
That's true, to a large degree. And maybe what the "public option" of the current bill will do is knock that down to only $2 for an aspirin. But what we're hearing from the GOP these days is the virtues of a system in which $3 aspirin is fine, so long as the system has zero government influence.
I am not sure why they would start charging less if there is public option. Clearly it would be in the insurance companies best interest to only have to pay $1 for the aspirin.
You think covering the uninsured (thereby allowing them to make appointments at family doctors) won't cut the massive resources it currently takes to run emergency rooms and corresponding strain on hospital budgets?
well yes till you have to go to the ER because you don't want to wait a week to get into see a family doctor.
|
|
| | | 35 | Perm Dude
ID: 154552311 Mon, Jul 20, 2009, 13:41
|
boikin: The big complaint from the GOP is that the public option appears to drive down the cost of premiums. In other words, the government plan with the public option appears to be a money saver.
There's no evidence that wait times for doctors will change. A wait time of a week is common right now unless there is an emergency. That won't change.
|
|
| | | 36 | sarge33rd
ID: 17681812 Mon, Jul 20, 2009, 14:37
|
The big complaint from the GOP is that the public option appears to drive down the cost of premiums.
Premiums are actuarially determined, then submitted to the state for approval right? So, if the plan drives down premiums; how can it possibly be bad; given that premiums now are out of reach for FAR too many? Seems to me it would be like claiming that cheaper gasoline would cause us to drive so much more, we'd burn more and would therefore buy more and THAT would leave us paying more annually for gas than we do now.
Smoke and mirrors time again for the GOP?
|
|
| | | 37 | Perm Dude
ID: 154552311 Mon, Jul 20, 2009, 14:58
|
Another non-reader of the bill: Michael Steele.
Not a policy wonk, certainly. But the mandate is probably one of the two biggest question marks about the bill (the other being the public option). Changing one or the other will change much of the focus and scope of the bill, and to have given a speech on it and not know that is a bit baffling.
People can certainly differ on the scope of the bill, and whether certain components should be included or avoided. But if you don't know the basic terminology you should just stay quiet until you get the help you need.
|
|
| | | 38 | boikin
ID: 532592112 Mon, Jul 20, 2009, 15:06
|
There's no evidence that wait times for doctors will change. A wait time of a week is common right now unless there is an emergency.
well in that case i don't see ER visit numbers changing much in either direction.
|
|
| | | 39 | biliruben
ID: 461142511 Mon, Jul 20, 2009, 15:16
|
We need to provide incentives for general practitioners. We don't have a shortage of docs. We have a shortage of primary care docs; at least we do in most of the non-urban regions.

NYTIMES
These ratios are something government incentives, done properly, can fix.
|
|
| | | 40 | Perm Dude
ID: 154552311 Mon, Jul 20, 2009, 15:17
|
I think what we might see, at least at first as people who don't have insurance come into the system, is a gradual lessening of non-emergency visits into the ER.
Hard to project, particularly since stats on health care access is so longitudinal.
|
|
| | | 41 | Biliruben on iffyone
ID: 52052916 Mon, Jul 20, 2009, 16:28
|
Letting the lobbiests write the rules, we now have a system where the incentives are to charge the most and provide the least care possible.
We have find find a way to refocus incentives to getting and keeping the patient healthy. The focus should be people not profit.
|
|
| | | 42 | Boldwin
ID: 376192015 Mon, Jul 20, 2009, 16:28
|
We need to provide incentives for general practitioners - bili
Haven't you heard? Pelosi expects to limit the cost of socialized medicine [recently red flagged by the CBO] by squeezing the system.
|
|
| | | 43 | Biliruben on iffyone
ID: 52052916 Mon, Jul 20, 2009, 16:31
|
You make the iraq war revenue neutral and I'll make health care revenue neutral.
|
|
| | | 44 | Boldwin
ID: 376192015 Mon, Jul 20, 2009, 16:37
|
The 'offer' to keep your own private insurance was never honestly offered. They never had any intention of allowing private insurance. It was only a ruse to calm people's objections.
|
|
| | | 45 | Perm Dude
ID: 154552311 Mon, Jul 20, 2009, 16:45
|
That's a lie you link to, Baldwin. You are repeating, without bothering to verify, an untruth about what the bill says.
Maybe it is just laziness on your part, I dunno. But passing along the whole truth doesn't seem to be part of what you are about anymore. Maybe you justify this by telling yourself that it is OK because Obama is a Marxist and likely not born in this country.
In the end, I don't think God will give a f*ck about those justifications, however.
|
|
| | | 46 | Tree
ID: 41371322 Tue, Jul 21, 2009, 00:30
|
Maybe it is just laziness on your part, I dunno.
we've already seen otherwise. it's pretty clear he's not interested in being truthful.
|
|
| | | 47 | Building 7
ID: 471052128 Tue, Jul 21, 2009, 09:03
|
The best thing for health care in this country is for the government to get out of it.
Which section of the Constitution defines health care as being a right? Remember, if it's not in there, then you defer to the 9th and 10th amendments. So, if you want national health care, pass an amendment to the Constitution, as is required, and be done with it.
|
|
| | | 48 | Mith
ID: 2894309 Tue, Jul 21, 2009, 09:23
|
Government healthcare is unconstitutional because it isn't an enumerated right and qualifies as a "power not delegated to the United States by the Constitution"?
Please.
|
|
| | | 49 | Perm Dude
ID: 154552311 Tue, Jul 21, 2009, 09:51
|
The Constitution isn't a list of rights that people enjoy. It defines the scope of rights granted to the Federal Government, including limits into which it may not cross because of individual rights (such as the freedom of assembly, etc.).
We don't get rights only because the Constitution grants them.
|
|
| | | 50 | boikin
ID: 532592112 Tue, Jul 21, 2009, 11:48
|
Given power to choose a system for health care which of the following would you choose:
A) what we have now.
B) what we have now only add some regulation to control some costs, who can have their coverage dropped, and how costs can change.
C) Take what we have now and add a public option.
D) A hybrid private/socialist model.
(d.1) the government pays for all basic care and preventive medicine. You may if you choose get private insurance that covers you beyond what government grants you. If you don't have insurance you pay for these services out of pocket or go with out. A non-tax supplemented public option could also be available.
(d.2) the opposite of d.1 you have private insurance for basic needs and government pays for everything beyond that.
E) government pays for everything.
I don't know the true costs of each plan but if i could magically make things happen i would go with (d.1). In a perfect world most people like the idea of (e) but given that 15% of our GDP goes to medical treatment then we would need at least a 15% tax increase to pay for it and I don't think i could live with that or some of consequences of the government completely running health care. If you question this idea look at the public school system.
|
|
| | | 51 | Frick
ID: 4945458 Tue, Jul 21, 2009, 12:51
|
The costs of medical services are screwy. Most hospitals and doctors drastically overcharge for everything, so they can get a negotiated rate paid from the insurance company. The insurance company in turn looks good to the policyholders by showing how they are using their "buying power" to negotiate lower rates.
The charges are also increased to help offset the losses of people who don't have insurance. The hospital can't turn people away, even if they know they will not be able to pay for the services they will be provided. They might get payment for a portion of the total bill, but the majority of it will get written off as a loss. So to offset the loss, they charge people who can afford (or have insurance who can afford) to pay.
Dealing with a number of medical issues over the last several years, I've learned to always get an independent 2nd opinion. Doctors are trying to earn a living, if there are 2 possibles diagnosis, they are going to default to the one they can treat or test for versus the one they have to send to another doctor or facility. When they do the treatment or test they make more money.
We are already seeing IMO a negative impact in the medicine, doctors don't make as much as they used to, especially not when compared to the increasing costs of education. Smart people are shying away from medicine and heading into other fields and professions.
|
|
| | | 52 | Razor
ID: 371502414 Tue, Jul 21, 2009, 13:01
|
I don't think it is true at all that potential physicians are shying away from medicine because of lower earning potential. I've heard this notion that physician's salaries are going to collapse for 20 years now, and it hasn't happened. I have many friends who recently graduated from med school, and they all will do very well after their residencies are complete. They may have to work some longer hours than they used to, but physicians still make excellent money. It is true that physicians in this country get a relatively small cut of what is paid out for healthcare, but that is because our healthcare costs are so astronomical, not because physicians aren't being paid well.
|
|
| | | 53 | biliruben
ID: 461142511 Tue, Jul 21, 2009, 13:05
|
Physician's given the long hours, stress, and responsibility they shoulder, are not over-compensated; particularly primary care docs.
I dated a girl who's parents were both physicians and they forbade all 3 daughters from following in their footsteps.
|
|
| | | 54 | bibA Leader
ID: 261028117 Tue, Jul 21, 2009, 14:05
|
I recently had total knee replacment surgery, which involved a stay in the hospital of 4 days.
According to the account summary, the hospital charges were just over $100,000, but they were "adjusted" (discounted?) by more than $80,000, so my insurance company paid most of the remaining $20,000.
Pretty big adjustment, eh?
|
|
| | | 55 | Boldwin
ID: 376192015 Tue, Jul 21, 2009, 14:33
|
That's a lie you link to, Baldwin. You are repeating, without bothering to verify, an untruth about what the bill says. - PD
Since that is a montage of democrats admitting that they had no intention of private insurance surviving in the mid and longterm...you are saying that these democrats are lying?
Only in the sense that they have ever given the impression that private health insurance has the slightest chance of surviving.
|
|
| | | 56 | Perm Dude
ID: 154552311 Tue, Jul 21, 2009, 14:39
|
It is a lie because the current bills being discussed will do nothing of the sort. So instead of reading the actual bill, you post about the intentions of some Democrats on this issue in general, then pat yourself on the back about what a smart little timesaver you are to cut through all that clerical work by jumping right to the end. An end you had in mind all along.
|
|
| | | 57 | Boldwin
ID: 376192015 Tue, Jul 21, 2009, 14:51
|
I know what the bill says. It is admittedly [by democrats] a two step to the destruction of private healthcare and non-government insurance.
|
|
| | | 58 | DWetzel
ID: 278201415 Tue, Jul 21, 2009, 14:57
|
I look forward to discussing the merits of the Krugman bill as soon as it's introduced.
What state does he represent in Congress, again?
|
|
| | | 59 | Boldwin
ID: 376192015 Tue, Jul 21, 2009, 14:57
|
How about we do this...
We have the government set up a window at the DMV to do 'permissions', or what you claim to do, PD.
We'll make it free to the consumer, rob everyone in the country to pay for it, but allow private operators like PD to continue to operate.
The fact that you will have to close your doors very shortly thereafter...well we'll just see if you buy the government's pretense that they aren't trying to close you down.
|
|
| | | 60 | Boldwin
ID: 376192015 Tue, Jul 21, 2009, 14:58
|
He represents the state-run MSM's POV.
|
|
| | | 61 | Pancho Villa
ID: 17618219 Tue, Jul 21, 2009, 15:03
|
He represents the state-run MSM's POV
It's official. Baldwin hates America.
|
|
| | | 62 | Boldwin
ID: 376192015 Tue, Jul 21, 2009, 15:05
|
If you are calling the NYT America.
|
|
| | | 63 | DWetzel
ID: 278201415 Tue, Jul 21, 2009, 15:05
|
"He represents the state-run MSM's POV."
Which means his opinion matters as much to me as ALF's.
Why not just come out and admit that you don't think you should be forced to give a damn whether poor people live or die or suffer? Because, by defending the current system (and by not coming up with any alternatives that make sense--and magically eliminating the concept of malpractice isn't going to get 'er done), that's what you're promoting.
|
|
| | | 64 | Boldwin
ID: 376192015 Tue, Jul 21, 2009, 15:08
|
I'm poor as John Gault. I care. I just don't want to live in a marxist state. Cause anyone with eyesight knows how that works out.
|
|
| | | 65 | Boldwin
ID: 376192015 Tue, Jul 21, 2009, 15:10
|
Galt
|
|
| | | 66 | Perm Dude
ID: 154552311 Tue, Jul 21, 2009, 15:10
|
We'll make it free to the consumer
You haven't read shiite, then. No health care plan being proposed is free to the consumer. In fact, after a certain period of time the plan is required to be self-sufficient (premiums have to cover costs).
|
|
| | | 67 | Perm Dude
ID: 154552311 Tue, Jul 21, 2009, 15:13
|
Let me also say this: I'm among the highest paid in my field. There are quite a few others in my field and nearly all get paid less than I do. Yet, I don't advertise my services and virtually never have--I've got more than enough work because I'm the best at what I do.
Unlike insurance company apologists in the GOP, I'm not afraid of competition which undercuts my price.
|
|
| | | 68 | Boldwin
ID: 376192015 Tue, Jul 21, 2009, 15:16
|
That's because you aren't competing with people who don't care if they turn a profit and who can print money.
|
|
| | | 69 | Boldwin
ID: 376192015 Tue, Jul 21, 2009, 15:18
|
Altho I doubt the DMV could do your job any better than they will do with healthcare.
|
|
| | | 70 | DWetzel
ID: 278201415 Tue, Jul 21, 2009, 15:27
|
From the link in 65:
"John Galt is a fictional character..."
I stopped reading there.
|
|
| | | 71 | DWetzel
ID: 278201415 Tue, Jul 21, 2009, 15:30
|
If private insurers were running the DMV, you wouldn't have the faintest idea what your license plate costs because the sticker price would be $3,400 but your insurance would cover some indeterminate part of that (but you won't find out exactly how much until after you get it, because the license plate makers don't even know, and you can't give it back).
And if you want to try to figure it out on your own, you'll spend a hell of a lot more time on hold than you ever would at the DMV.
|
|
| | | 72 | Boldwin
ID: 376192015 Tue, Jul 21, 2009, 15:40
|
At least the insurance agent would smile once.
|
|
| | | 73 | Boldwin
ID: 376192015 Tue, Jul 21, 2009, 15:41
|
"John Galt is a fictional character..."
I stopped reading there. - Dwetz
Is that why every liberal learned nothing from '1984'?
|
|
| | | 74 | Boldwin
ID: 376192015 Tue, Jul 21, 2009, 15:43
|
I know one provision PD could buy into. Have the government fine everyone who does not get 'permissions'.
|
|
| | | 75 | Perm Dude
ID: 154552311 Tue, Jul 21, 2009, 15:43
|
They already do. Didn't you notice the FBI warning on movies?
|
|
| | | 76 | DWetzel
ID: 278201415 Tue, Jul 21, 2009, 15:45
|
"At least the insurance agent would smile once."
Only because he's cashing your check.
As for the other--I'm willing to take lessons from fiction in some places, but when it's a major centerpiece of your argument, you really need to do a little better.
|
|
| | | 77 | Razor
ID: 371502414 Tue, Jul 21, 2009, 15:47
|
Is that why every liberal learned nothing from '1984'?
Interesting that you'd bring up the dystopia depicted in 1984 in a thread about providing a public option for healthcare. The two are so obviously related, I don't know how was able to distinguish the two.
|
|
| | | 78 | Boldwin
ID: 376192015 Tue, Jul 21, 2009, 16:04
|
The moral of '1984' was not a plug for totalitarian healthcare.
|
|
| | | 79 | biliruben
ID: 461142511 Tue, Jul 21, 2009, 16:07
|
As far as I can tell, people who pattern their dream policies and political structures based on fears of a Randian future had their ability to analyze nuanced thought stunted at the age of 15.
Yeah, it was scary and seductive in it's black and white back when I had pimples and fantasized about roughing it in a post-apocalyptic future. It's like imagining that the world actually is made up of Jedi and Darths. Subtle brain damage caused by an overdose of teenage fiction.
|
|
| | | 80 | Boldwin
ID: 376192015 Tue, Jul 21, 2009, 16:22
|
Just because they insisted that you read it in school, that does not make it teen fiction. What a philistine comment. You can't be that simple. I refuse to think that poorly of you, bili.
|
|
| | | 81 | DWetzel at work
ID: 49962710 Tue, Jul 21, 2009, 16:27
|
Final proof that marxism and health care do not mix:
link
Am I doing it right?
|
|
| | | 82 | sarge33rd
ID: 17681812 Tue, Jul 21, 2009, 16:29
|
roflmao DW.
|
|
| | | 83 | Perm Dude
ID: 154552311 Tue, Jul 21, 2009, 16:32
|
You're in good company, bili. He refuses to think poorly of Ann Coulter or Sarah Palin, either.
:)
|
|
| | | 84 | Tree
ID: 41371322 Tue, Jul 21, 2009, 17:12
|
Baldwin:He represents the state-run MSM's POV. PV: It's official. Baldwin hates America. Baldwin: If you are calling the NYT America.
actually, um, you called the NYT America, with your implication that the NYT was "state-run".
i mean, all of us realize it's just another one of your silly, absurd, without any merit or truth or honesty or reality statements, but it still doesn't change what you said.
|
|
| | | 85 | biliruben
ID: 461142511 Tue, Jul 21, 2009, 19:30
|
Low blow, PD!
|
|
| | | 86 | biliruben
ID: 461142511 Tue, Jul 21, 2009, 19:32
|
Feel free to think as poorly of me as needed, Baldwin. Please!
It's Rand that's simple, if you look at it objectively.
|
|
| | | 87 | Seattle Zen
ID: 296472118 Tue, Jul 21, 2009, 19:47
|
Baldwin has treated this thread, and these boards, as his outhouse. I've got quite a few opinions about the various plans being discussed, but why bother posting if you have to swim through Baldwin's shat to read the other posts? Too bad.
I might contribute once Baldwin goes back into retirement.
|
|
| | | 88 | sarge33rd
ID: 17681812 Wed, Jul 22, 2009, 10:55
|
No small part of the problem with Employer sponsored (not provided unless they pay for it), is a basic change in the terminology which has occurred over the past few years.
Back when I had 4 kids living at home, employer plans fell into 3 or sometimes 4 'groupings':
1) employee only 2) employee and spouse 3) employee, spouse and child (if 4 wasn't a category, then this would be 'family') 4) family...employee, spouse and multiple children
Today, there are 2 categories
1) employee 2) family
I would pay now, the same monthly premium to insure two of us, as a co-worker with 7 kids pays for insuring 9. 7 of whom, are FAR more likely to experience claims, than the two in my household are. It is this 'factoid', which causes me concern over the apparently popular mandate of coverage. *IF* the premium for the two, were in line with what it should be in comparison to the premium for 5,6 or whatever number; then I'd be far more inclined to buy into it. But as I have stated repeatedly, I am not going to pay $1,000/m or even $750/m, to insure two of us. Just isn't going to happen.
|
|
| | | 89 | Building 7
ID: 471052128 Wed, Jul 22, 2009, 11:11
|
Here are the choices where I work:
1) employee only 2) employee and spouse 3) employee and children 4) family...employee, spouse and children
The premiums are the same whether you have one child or ten. I don't know why they do that. You would think ten kids would cost more than one.
|
|
| | | 90 | DWetzel
ID: 278201415 Wed, Jul 22, 2009, 11:40
|
"The premiums are the same whether you have one child or ten. I don't know why they do that. You would think ten kids would cost more than one."
The kids are actually a pretty minimal charge because, for the most part, kids don't have debilitiating and really expensive health problems. (Some do, of course.) When you're paying for a kids annual physical, immunizations, and at worst the occasional random broken arm from the bicycling accident, it's genuinely not that big a cost compared to, say, lung cancer.
|
|
| | | 91 | sarge33rd
ID: 17681812 Wed, Jul 22, 2009, 11:43
|
With deductibles having climbed the way they have; it is highly unlikely a family will ever file any claims from a childs "normal" growing up accidents.
3 years or so ago, my grp plan thru work had a $500 individual ded and a $2000 annual family deductible. Today, were I to sign up, the plan has a $2000 annual individual ded and a $5000 annual family deductible. This on top of the 1k/m premium.
|
|
| | |
| | | 93 | Richard Dude
ID: 204252420 Wed, Jul 22, 2009, 21:27
|
Sarge (#91)
Are you sitting down?
Here's an article (I think this year but it might be from last year) that documents a $12,000 (and counting) bill for a broken arm.
I had a normal growing up accident (broken wrist) back in the late 50's and I'm not sure how much my parents paid but I'm positive it wasn't as devastating as a $12,000 hospital bill would be to my famliy.
Cost of a broken Arm
|
|
| | | 94 | DWetzel
ID: 33337117 Wed, Jul 22, 2009, 21:34
|
From the link:
"I have read that a full 50% of charges by medical care providers are never paid. To offset the uncollectibles, prices continue to soar. The 50% who do pay their bills are, in effect, paying for those uncollectibles.
Socialized medicine by default, I suppose, not design."
Exactly.
|
|
| | | 95 | sarge33rd
ID: 42652221 Wed, Jul 22, 2009, 22:05
|
Richard...with a 12k annual premium and a 2k deductible...I'd be paying that and then some EVERY GDDMN YEAR.
|
|
| | | 96 | Richard Dude
ID: 204252420 Wed, Jul 22, 2009, 23:34
|
Yes you would Sarge. Yes you would. I just hate to think what something serious would cost you or me. I hope the polis get their act together and come up with a plan that has real cost reductions built into it (but I'm not holding my breath)
btw - my employer medical plan costs ~$1,000 per month (family of 3) for a $600 per person deductible and a $3,000 per person cap on yearly out-of-pocket expenses. I'm blessed that my employer picks up 80% of the cost of the premium but I sure would like to see that premium come down for all of us. It's going to be hard for the tax payers to pick up the tab for these types of premiums for every family in the country.
|
|
| | |
| | | 98 | sarge33rd
ID: 17681812 Thu, Jul 23, 2009, 09:27
|
I love how these articles refer to the "average" premium paid for insurance by Americans; employed or otherwise. IMHO, "average" in this case is meaningless. Your employer picks up 80% of that tab, mine picks up none. Large company employees, and small business employees; are in two entirely different stratospheres here. Yet that reality, is conveniently ignored by all.
|
|
| | | 99 | Tree
ID: 41371322 Thu, Jul 23, 2009, 10:00
|
hey, look, a right wing fear video!!!! be afraid!!!
the fact of the matter is that over the past 28 years, we've had 20 years of a Republican President.
It was time for a change, and a bunch of old white men (we'll include Queen Coulter in that mix, since so many old white men are fetishists for her) are so afraid of change, they were blasting Obama before he even came into office - never mind his policies or politics, he was being blasted for his name and birthplace, for a religion he wasn't, and all other kinds of things.
The Right - or at least the vocal minority - at this point, is nothing more than a regional religious party, beginning more and more to use race&religion, fear&hate, as tenets of their belief system...
|
|
| | | 100 | Mith
ID: 2894309 Thu, Jul 23, 2009, 10:53
|
From Wilmer's video:
[cue a dozen stoic-looking government health bureaucrats - in subtle red jumpsuits] The first thing that's gonna happen is that doctors and patients won't be the only ones calling the shots. A committee of Washington politicians will set a standard of care for all Americans. They're now deciding what treatments everyone gets. This is one size fits all at it's finest, my friend.
When his pro-health care reform friend counters that if you don't like the government's care, the star offers, "Dude, they're all the same now". LOL!
And then the best line of the comedy, from the pro-reform friend: "Dude, just make it stop. You've prove your point".
What the video makes no attempt to do is explain why government bureaucrats will be any more intrusive or prohibitive in determing necessary care than the insurance companies who currently do so. It's no secret that insurers are motivated to scrutinize claims for expensive medical procedures.
Among the long list of reasons why that video is a waste of time is that its quite dishonest in suggesting that for most Americans, control of which procedures and treatments are covered is something that will be taken away from patients and doctors. Who are these people trying to fool? People who have never had to use their health insurance? Do they really expect me to believe that his fear mongering claim that government will ration healthcare is any different from the current system where the more affordable a plan is, the more it limits coverage?
Further, do the producers of that ridiculous video expect even an idiot to be satisfied with a wholly unsupported claim that all profit-driven private insurers will do nothing to distinguish themselves from the government-offered care?
Wilmer, you usually chime in with better material than this. Is this all you've got?
|
|
| | | 101 | sarge33rd
ID: 236141411 Thu, Jul 23, 2009, 10:59
|
No, but it is all the right wing "oppose Obama in all aspects" crowd has.
|
|
| | | 102 | Perm Dude
ID: 154552311 Thu, Jul 23, 2009, 11:28
|
Those red jumpsuit guys are already at work. They are the insurance companies. Anyone who every has had to deal with insurance companies know that.
I read that the government now spends about 46% of all health care dollars in the United States. Now that the government wants to extend the same plan that Congress gets to anyone who wants it they are suddenly the faceless bureaucrats "controlling" health care?
Does the Right simply not understand the plan on the table? Or have they forgotten that fear mongering is, at best, short-term and that they will pay for it in the end?
|
|
| | | 103 | boikin
ID: 532592112 Thu, Jul 23, 2009, 11:33
|
What the video makes no attempt to do is explain why government bureaucrats will be any more intrusive or prohibitive in determing necessary care than the insurance companies who currently do so. It's no secret that insurers are motivated to scrutinize claims for expensive medical procedures.
question, which is it insurance is determining what is necessary care or are doctors picking and choosing which tests and procedures are going to make them the most money?
|
|
| | | 104 | sarge33rd
ID: 236141411 Thu, Jul 23, 2009, 11:34
|
bit of both most likely.
|
|
| | | 105 | Mith
ID: 2894309 Thu, Jul 23, 2009, 11:35
|
Does the Right simply not understand the plan on the table?
Based on the counter arguments I've seen, I'm not sure how much of the anti-reform crowd understands how the system currently works.
|
|
| | | 106 | boikin
ID: 532592112 Thu, Jul 23, 2009, 11:39
|
What is the plan on the table?
|
|
| | | 107 | Footwedge
ID: 28055812 Thu, Jul 23, 2009, 11:47
|
As a person working in the insurance industry with a lot of close ties to healthcare providers I can explain why rates and costs are off the charts.
First I work for a small dental insurer but we must follow the same rules as Blue Cross or Aetna. The recent stimlus package included a subsidy for COBRA individuals that lost thier jobs. A good idea but the requirements they gave us to track down and inform all individuals who may or may not be eligible for coverage cost our company over $100,000. From that less than 200 people elected to use the subsidy, which is only good until the end of year. I'm glad we could help the government pay out $10-20,000. Unforunately we are already losing money from trying to impliment the last round of new regulations. This is a small example but it reflects the last 10-20 years of extreme requirements that business in general and especially the insurance industry have been granted by our congress.
Irony of whole situation is that we had a program to provide free or discounted dental care in conjunction with several regional healthcare facilities and had to cease that program because of the costs we incurred when HIPPA privacy regulations were inacted several years back.
Basically the only reason government health care is up for debate is the fact that the government has screwed up the current situation. I guess as a reward for that we should let them have more control in the system????
What we have now is a system where the government regulates companies into financial problems and then takes over. If they really wanted affordable healthcare coverage a reevaluation and sensible cut back on rules and regulations would be a step in the right direction.
|
|
| | | 108 | Perm Dude
ID: 154552311 Thu, Jul 23, 2009, 12:05
|
I don't believe for a minute that all the "problems" of the insurance industry are really problems at all, nor do I believe we can track them to an overburdening oversight apparatus. [Putting aside, for a moment, the fact that nearly all insurance regulations are at the state level, not the federal level].
46 million people lack any health care insurance at all in this country, and since most people who get insurance do so through their employer (who are cutting back all the time) the problems of the uninsured take precedence over the problems of companies trying to follow the laws in their field.
Are companies over-regulated? You bet. But the biggest problems in that area isn't the regulation itself, but the costs in information harvesting, keeping it private, and reporting. Any dentist or doctor will tell you that the biggest change in their field over the last 15-20 year is the volume of paperwork associated with insurance companies. Not all that paperwork is regulatory-driven.
|
|
| | | 109 | Perm Dude
ID: 154552311 Thu, Jul 23, 2009, 12:10
|
Sarge: I just read that the average cost for premiums for an employee-offered health care plan is $12,800 (2008).
|
|
| | | 110 | sarge33rd
ID: 236141411 Thu, Jul 23, 2009, 12:30
|
And what is the "average" portion picked up by the employer? Recent articles on this topic, have been citing average consumer premiums in the range of 4k-5k/annually for a family. This would *seem* to imply, an employer payment of between 55 and 65 per cent. Take that employer payment out of the equation (for many working for small businesses) and there lies I think, a HUGE portion of the un-insured in this country.
|
|
| | | 111 | Perm Dude
ID: 154552311 Thu, Jul 23, 2009, 12:39
|
Here you go, sarge. (pdf)
You'll find what you need under "Summary Findings"
|
|
| | | 112 | sarge33rd
ID: 236141411 Thu, Jul 23, 2009, 12:56
|
Thanks PD. :)
So the premiums charged by my employers carrier appear to be right in line with the 'norm'. What is out of whack, is that he picks up none of the tab. Not so odd I think, for companies employing 1-2 dz or so people.
|
|
| | | 113 | biliruben
ID: 461142511 Thu, Jul 23, 2009, 13:16
|
I get an okay salary and good health insurance (full coverage for me and my boy).
My wife gets crappy health insurance and a higher salary.
This is just a slight of hand. All things equal (which they aren't, as being in a pool such as a large company allows you a stronger negotiating position), I would prefer they tossed me the extra 14K, or so, tax free, that they spend on my insurance and let me find my own health care.
We are all paying massive amounts of premiums, and we are getting pretty poor returns in terms of health outcomes, compared to most every other country on the planet.
My solution: make health insurance illegal.
|
|
| | | 114 | biliruben
ID: 461142511 Thu, Jul 23, 2009, 13:21
|
With the exception of catastrophic care insurance.
There is a model that seems to be working at a clinic here in Seattle.
You "join" the clinic, paying between $50-150 a month, and the docs do their best to keep you healthy. Period.
The don't take insurance. In fact, the only way they can provide quality care on the patient's and docs terms, is to bypass the current system entirely.
|
|
| | | 115 | boikin
ID: 532592112 Thu, Jul 23, 2009, 13:22
|
we are getting pretty poor returns in terms of health outcomes, compared to most every other country on the planet.
not sure where you are getting that from.
|
|
| | | 116 | Razor
ID: 371502414 Thu, Jul 23, 2009, 13:28
|
I think it's fairly well known that we pay twice as much as any other country on Earth for healthcare with outcomes that are not appreciably better. Which is to say, we're not getting what we are paying for. I don't think there's much doubt that the quality of our healthcare, when delivered as it should, is the best in the world. The problem is that we have so many inefficiencies and holes in our system that we don't achieve that outcome nearly as often as we should.
|
|
| | | 117 | biliruben
ID: 461142511 Thu, Jul 23, 2009, 13:30
|
I get it from reading. Our system costs twice as much and our outcomes are the same or poorer than most of the single-payers systems around the world.
If you really want me to dig up the literature, I will, but I thought this was common knowledge.
|
|
| | | 118 | biliruben
ID: 461142511 Thu, Jul 23, 2009, 13:45
|
Here you go:


Give me the status-quo!
Not.
|
|
| | | 119 | sarge33rd
ID: 17681812 Thu, Jul 23, 2009, 13:54
|
In fairness bili; how much of those problems are 'self inflicted'? ie, Our prosperity is such, that more than in a lot of places...we eat fast and convenient vs healthy. We drive everywhere, not walk, etc etc.
Not to doubt the findings, but there are other factors which contribute to those end results.
|
|
| | | 120 | boikin
ID: 532592112 Thu, Jul 23, 2009, 13:57
|
none of these statistics corresponds to health care system failures. you give me adjusted rates based on demographics and then maybe you make an arguement.
As someone who has spent times in hospitals in both the US and Europe, there health care is not superior and in some cases there technology and practices are 20+ years older than what they would you would see in the US.
|
|
| | | 121 | boikin
ID: 532592112 Thu, Jul 23, 2009, 14:02
|
just to give you an idea how how meaningless those statitics are here are regional differences in the UK that have the same single payer system:
Highest life expectancy 2001-2003 1991-1993 1991-1993 Local Authority Years Years Rank 1 East Dorset 80.1 77.9 1 2 Hart 80.0 76.8 4 3 Kensington and Chelsea 79.8 73.0 301 4 Purbeck 79.7 75.6 47 5 South Cambridgeshire 79.4 76.0 24 6 Brentwood 79.4 74.8 127 7 South Norfolk 79.3 76.7 6 8 New Forest 79.3 75.8 29 9 Uttlesford 79.3 76.3 12 10 North Dorset 79.2 75.5 62 Lowest life expectancy 2001-2003 1991-1993 1991-1993 Local Authority Years Years Rank 432 Glasgow City 69.1 68.2 432 431 Inverclyde 70.2 69.6 429 430 West Dunbartonshire 70.8 69.5 431 429 Comhairle nan Eilean Siar 71.6 70.6 424 428 Manchester 71.8 69.6 430 427 Renfrewshire 71.9 70.5 427 426 North Lanarkshire 71.9 70.2 428 425 Dundee City 72.0 71.1 416 424 Blackpool 72.0 71.6 390 423 East Ayrshire 72.5 71.5 397
from
|
|
| | | 122 | Building 7 M.D.
ID: 471052128 Thu, Jul 23, 2009, 14:13
|
Instead of paying for everyone's health care, why don't we pay for everyone's food? This is way more important than health care. People can die from not eating food. They will not necessarily die from not having health care. Then, they can take the money they saved from not having to buy food, and spend it on health care.
|
|
| | | 123 | Mith
ID: 2894309 Thu, Jul 23, 2009, 14:20
|
We already do help people get food if they can't afford it.
How often do you think people unnecessarily suffer and/or die in the US because they cannot afford nutrition?
How often do you think people unnecessarily suffer and/or die in the US because they cannot afford health care?
|
|
| | | 124 | biliruben
ID: 461142511 Thu, Jul 23, 2009, 14:35
|
No doubt, Sarge. These ecologic comparisons are sometimes difficult because of genetic and environmental differences.
That first table is probably pretty clean of that, however, and we are failing our mothers and unborn with lack of prenatal care.
I wish the bible-thumping pro-lifers would spend even a 10th of their energy working towards making sure newborns that are born are healthy.
|
|
| | | 125 | biliruben
ID: 461142511 Thu, Jul 23, 2009, 14:37
|
"...adjusted rates based on demographics..."
What do you want to adjust for?
|
|
| | | 127 | biliruben
ID: 461142511 Thu, Jul 23, 2009, 14:43
|
And after "adjustment", whatever you mean by that, do you expect that larger picture of:
---TWICE AS MUCH MONEY----
for
----THE SAME OR WORSE CARE----
will go away?
|
|
| | | 128 | biliruben
ID: 461142511 Thu, Jul 23, 2009, 14:54
|
B7 - Instead of snarky comments that backfire on you, why don't you offer up some ideas of your own?
When I wrote that blurb in 114, I was thinking of you. I thought you would love the model.
Service provider < - > Patient.
Direct price negotiations between the two without any bureaucracy in the middle. Something you might be able to build a functioning market around.
Instead we get drivel like "why don't we provide food stamps!" "Why don't we print money in the amount 20 times the GDP!"
You seem like a smart guy with an important perspective. Provide some reasonable solutions to this real, and devastating problem, will ya?
|
|
| | | 129 | Perm Dude
ID: 154552311 Thu, Jul 23, 2009, 15:01
|
boikin: Just to be clear, you know that Obama is not proposing a single payer system? A lot of the criticism against his plans seems to assume that we'll have a Canada or UK-style single payer system, but that's not the case.
|
|
| | | 130 | biliruben
ID: 461142511 Thu, Jul 23, 2009, 15:13
|
Unfortunately.
|
|
| | | 131 | sarge33rd
ID: 236141411 Thu, Jul 23, 2009, 15:14
|
just came out of my bosses office and he was watching FOX of course. Obama was on; and my boss was going off on this very topic...'damn socialist and his single-payer blah-blah-blah...."
I politely pointed out that despite the soundbites and talking heads snippets; Obama has not put forth the idea of a single-payer system nor has he put forth the idea of federally funded, free to the consumer health care. (both of which my boss claimed were the central theme behind Obama's proposal)
|
|
| | | 132 | sarge33rd
ID: 236141411 Thu, Jul 23, 2009, 15:14
|
oh yeah...yes I still have my job. :)
|
|
| | | 133 | Tree
ID: 41371322 Thu, Jul 23, 2009, 15:17
|
That first table is probably pretty clean of that, however, and we are failing our mothers and unborn with lack of prenatal care.
i disagree. if the mother is unhealthy to begin with, then the child is already starting on shaky ground.
As Americans, we treat our bodies like $hit. We eat f*cking awful for us food, we eat copious amounts of it, and, as a whole, we don't care.
Much like we have legislation in place in regards to things like smoking and drinking, we should also have legislation in food. And, we are starting to see that - restaurants in NYC, be it a Starbucks or a Burger King - have to post the calorie counts of every item on the menu, plainly and clearly.
And i can tell you it works. When i see that an iced caramel machiatto is 650 calories, and an iced coffee is 80 calories, i am getting the iced coffee every time.
obesity is an epidemic in this country. I can speak from experience that i feel immeasurably better now than i did last january.
Between january and june of last year, i went from 218 pounds to 173 pounds, through diet and exercise. the first 8 weeks of that time period were intense - no fried food, 2 pints of beer the entire time, 1 pint of ben and jerry's, and so on and so forth.
i havent felt this good since i was 19 years old, and an active soccer player - more than 20 years ago.
i think the way americans eat, don't exercise, rush around and don't relax, and in general, our lifestyle, leads to poor health, and as a result, a poor health system.
the same way cigarette taxes are insane, i think we should do the same on fast food. If a Big Mac suddenly costs 10 bucks, are people gonna eat it as readily.
i also feel the same about video games. tax the hell out of them. we're teaching our children it's ok to sit your lazy ass on a couch and pretend to play football, instead of actually going outside and tossing a real one around.
anyway, there's my soapbox. our national health care system sucks because our national health sucks.
they both need to be fixed.
|
|
| | | 134 | Perm Dude
ID: 154552311 Thu, Jul 23, 2009, 15:19
|
If we were starting from scratch I think a single payer system would work best, particularly since we have a strong medical infrastructure in place already. But that's not the plan.
Obama has already started calling his work "health insurance reform" which is probably a lot more accurate than "health care reform."
|
|
| | | 135 | Mith
ID: 2894309 Thu, Jul 23, 2009, 15:24
|
When i see that an iced caramel machiatto is 650 calories, and an iced coffee is 80 calories, i am getting the iced coffee every time.
I agree strongly with Tree's point in this sentence. I was and remain on the fence about the requirement to post nutritional content for food items in restaurant menus and also the more recent proposals to tax sugary junk food. But there's no question that the nutrition info provides an *excellent* service to people who are making an effort to eat healthier, even if some question the accuracy of some of that info.
|
|
| | | 136 | biliruben
ID: 461142511 Thu, Jul 23, 2009, 15:33
|
I agree to some extent, though it has to be a lifestyle change, not just a dietary change to improve people's health.
This is getting a little too close to my current area of research, so in the interest of boredom avoidance, I won't comment any more on this topic.
|
|
| | | 137 | boikin
ID: 532592112 Thu, Jul 23, 2009, 15:42
|
Re: 129, yes i do(then again Obama technically doesnt have a plan) and that has nothing to do with idea that our health care system is not inferior to other places in the world. The table in 118 is a total miss use of statistics.
requirement to post nutritional content for food items in restaurant menus
I am all for this.
tax sugary junk food.
i probably should be but i am to in love with them so i have to be against it.
If we were starting from scratch I think a single payer system would work best, particularly since we have a strong medical infrastructure in place already. But that's not the plan.
see post 50.
tax sugary junk food. i probably should be but i am to in love with them so i have to be against it.
|
|
| | | 138 | sarge33rd
ID: 236141411 Thu, Jul 23, 2009, 15:48
|
ahhhh the ultimate crux of the problem with most any solution proposed:
Great idea, but it is contrary to MY addiction; so I have to oppose it.
|
|
| | | 139 | Perm Dude
ID: 154552311 Thu, Jul 23, 2009, 15:51
|
I did look at #50. It doesn't seem altogether relevant to the idea of starting it all over again, however (and, to be clear, the federal government doesn't run the schools). We're stuck with what we have, though we have the power to make it a lot more efficient, cheaper for people to buy into, and cover a lot more people.
|
|
| | | 140 | boikin
ID: 532592112 Thu, Jul 23, 2009, 16:02
|
the idea was that we could go to any of those states seamlessly, not necessary from scratch. It was a hypothetical. The point about the schools was that wheather it be run by local (schools) or federal (health care), is people complain about the school system non-stop, you should not expect anything different with public health care.
|
|
| | | 141 | Tree
ID: 41371322 Thu, Jul 23, 2009, 16:09
|
MITH - I agree strongly with Tree's point in this sentence...
...But there's no question that the nutrition info provides an *excellent* service to people who are making an effort to eat healthier, even if some question the accuracy of some of that info.
Bili - I agree to some extent, though it has to be a lifestyle change, not just a dietary change to improve people's health.
i believe both these statements go hand-in-hand. The iced caramel machiatto was my favorite coffee drink, by far, even if i can't spell it properly. But I honestly had no idea the thing had more calories than a half-pint of Ben and Jerry's Phish Food ice cream.
Cutting those things out was a huge part in my weight loss, and to this day, i only get them once in a blue moon, sort of as a "treat", which is how i think things like that oughta be anyway.
we have nutritional info on nearly everything we get in the grocery store, and it's clear as day because we can pick up the product and view it.
why should it be any different in a fast food restaurant, or really, any other restaurant.
while we are responsible for our own actions, i believe there is a lot of deception in the restaurant industry and they use trickery to make us thing we're eating healthy...
Among the Worst Foods in America.
Chicken Selects Premium Breast Strips from McDonald's (5 pieces) with creamy ranch sauce: 830 calories 55g fat (4.5g trans fat) 48 g carbs (20 McNuggets are healthier than this)
Ruby Tuesday Bella Turkey Burger: 1,145 calories 71 g fat 56 g carbs (a 9-oz sirloin steak is healthier than this)
On the Border Dos XX Fish Tacos with Rice and Beans: 2,100 calories 130 g fat 169 g carbs 4,750 mg sodium (a dozen - that's right, a dozen - crunchy tacos are healthier)
Chili's Honey Chipotle Crispers with Chipotle Sauce: 2,040 calories 99 g fat 240 g carbs
On the Border Grande Taco Salad with Taco Beef: 1,450 calories 102 g fat 78 g carbs 2,410 mg sodium (This is a salad?!!??!)
this one doesn't purport to be healthy, but jeez, who puts this into their body?!?!
Outback Steakhouse Aussie Cheese Fries with Ranch Dressing
2,900 calories 182 g fat 240 g carbs
This weapon of mass construction is the caloric equivalent of eating 14 Krispy Kreme doughnuts, before your dinner arrives. Even if you split this "starter" with 3 friends, you'll have downed a meal's worth of calories. and you're absolutely correct Bili. When people asked me how my "diet" was going, i always corrected them that it was not a diet, but rather a "lifestyle change".
while i work out less these days than i was a year ago, i still get my exercise, and my weight hovers around 176 pounds, so i have managed to keep the weight off, mostly.
diet alone does not work. exercise, and changing how you live your life, are just as crucial.
|
|
| | | 142 | Perm Dude
ID: 154552311 Thu, Jul 23, 2009, 16:15
|
People will complain about anything--even that Obama is a Kenyan. People even attend rallies (tea parties) to complain about the tax policy of an Administration which has, in fact, cut their taxes. The point isn't to stop criticism but to stop some poorly-thought criticism.
The idea that the federal government can't do anything right has been the main talking point of the GOP for several decades, but is directly refuted by the everyday experience of many people. The "goverment is a boogyman" will continue to be the talking point for the Right in this particular issue as well. It doesn't mean it will be particularly effective in the end, coming from a party of "no" without alternative plans and which never wanted a huge number of very popular programs.
|
|
| | | 143 | Razor
ID: 371502414 Thu, Jul 23, 2009, 16:23
|
Who would have guessed fish tacos and a turkey burger could be so horrible for you? I would order those thinking they were the healthy options. Granted, I don't eat at Ruby Tuesday's or On the Border, but there are many that do and they are being deceived. I would be all for nutritional information on menus. I think what we'd end up seeing in the long term is restaurants competing with each other on healthiness, at least on some level, instead of just on price and flavor. Would any restaurant dare keep 3,000 calorie appetizers on the menu if they were forced to put the calorie intake on the menu? Restaurants would likely revamp their entire menu to have a more balanced and sensible range of options, such that there are a variety of healthy and less healthy options. Yes, consumers would start to make better choices, but I really think the big benefit is what restaurants would do to avoid having such terrible options on menus.
|
|
| | | 144 | Building 7
ID: 126371618 Thu, Jul 23, 2009, 17:57
|
B7 - Instead of snarky comments that backfire on you,(What backfired?) why don't you offer up some ideas of your own? (I did,...get the federal government out of health care)
When I wrote that blurb in 114, I was thinking of you. I thought you would love the model. (No insurance co., no government...sounds OK to me. Not sure what kind of doctors they have. )
Service provider < - > Patient.
Direct price negotiations between the two without any bureaucracy in the middle. Something you might be able to build a functioning market around.
Instead we get drivel like "why don't we provide food stamps!"(If we're going to provide national coverage, I would do food first,before health insurance) "Why don't we print money in the amount 20 times the GDP!" (You're mixing threads here.)
You seem like a smart guy with an important perspective. (Now we're getting somewhere. This is easily the most brilliant comment you have ever come up with)Provide some reasonable solutions to this real, and devastating problem, will ya? (I don't agree that it is a devastating problem.....Here are some ideas:
Why does a foot doctor have to go to school for 10 years? Learn about the spleen. Get rid of some of the barriers to entry. Stop bringing sick people together. Send the doctor to the patient like in the old days. Stop the massive fraud in Medicare and Medicaid. What's the deal with a pharmacist. Eight years of school to pour some pills from a big bottle into a little bottle. Hand out some pre-printed warning labels. I think you need a college degree to enter med school. There's four year s down the drain. Most people want major medical insurance for something big. They don't need insurance for a sore throat,etc. It's liking putting an oil change on your car insurance. It's just a bunch of costly paperwork. The less the federal government is involved, the better.
And what did the note with my trade offer say.
|
|
| | | 145 | WiddleAvi Sustainer
ID: 361032112 Thu, Jul 23, 2009, 18:13
|
Building 7 - Do you get the reason of having insurance ? Everyone right now has the option of not having insurance and negotiating with a doctor.
|
|
| | | 146 | biliruben
ID: 461142511 Thu, Jul 23, 2009, 19:13
|
Russell Branyan [ View Trade ] Carl Crawford
Comments from Building 7: I need to throw in something else. Not sure if you're even interested. Branyan is better than you would think. Check back on those other two players in nine years. They may be available then.
I think I misunderstood when I first read it. If the first sentence means you were going to toss in a top-10 keeper along with Branyon, than I'm not as miffed as I came off in my reply.
|
|
| | | 147 | sarge33rd
ID: 256582318 Thu, Jul 23, 2009, 19:58
|
re 144....please, tell us you're not THAT simple.
|
|
| | | 148 | Perm Dude
ID: 154552311 Thu, Jul 23, 2009, 20:20
|
Fact checking Obama's news conference
I think the only point I'd raise is that the 97% coverage point seems to be raised by FactCheck as an error because it is only on one plan. But that is the only plan under serious consideration and the one which Pelosi wants to move on in the House.
|
|
| | | 149 | Mith Dude
ID: 01629107 Fri, Jul 24, 2009, 08:58
|
Clearly bili hasn't been playing close enough attention to MLB to fairly assess Branyon's value.
|
|
| | | 150 | Building 7 M.D.
ID: 471052128 Fri, Jul 24, 2009, 10:34
|
WiddleAvi.....I've enjoyed your contributions over the years. Yes, insurance is an important part of capitalism. I personally cannot deal with all the BS with health insurance, so my wife does it. Deductibles, co-payments, different years, unallowable, out-of-network, etc. And don't get me started on the gambling decision known as the Taxsaver spending plan. I don't know who came up with that nonsense.
|
|
| | | 151 | biliruben Leader
ID: 589301110 Fri, Jul 24, 2009, 10:37
|
The reason for having insurance is to pay a premium so that if something unforeseen happens, you are not bankrupted.
Health insurance is the opposite of that. Why we ever thought it was a good idea, I have no idea.
If it wasn't a non-negotiable benefit where I work (a hospital), I would buy a high-deductible insurance (maybe 5-20K, depending on my cash reserves) and pay out of pocket for care.
|
|
| | | 152 | Razor
ID: 371502414 Fri, Jul 24, 2009, 11:07
|
The problem with that, bili, is that the medical establishment is built to gouge insurance companies and the government, so it's not really feasible to pay as you go for care. One little bug bite or accident on the basketball court and you're looking at several thousands of dollars for treatment. Why does a knee surgery or an IV drip cost so much more here than it does anywhere else?
|
|
| | | 153 | WiddleAvi Sustainer
ID: 361032112 Fri, Jul 24, 2009, 11:37
|
Razor - And that is the root of the problem. We will never fix anything until we fix the costs of Health Care.
|
|
| | | 154 | Building 7 M.D.
ID: 471052128 Fri, Jul 24, 2009, 11:43
|
So nothing backfired. you just put that in there to discredit me. Nice.
I don't know why anybody would be insulted by a fantasy baseball trade offer. I'm sorry I wasted 7 seconds of your life to read it and hit the reject trade button. Not to worry, though. I've made arrangements where you will never be insulted by one of my trade offers again.
|
|
| | | 155 | sarge33rd
ID: 17681812 Fri, Jul 24, 2009, 11:45
|
Why does a knee surgery or an IV drip cost so much more here than it does anywhere else?
Because 'here'; virtually everything available is 'for profit'. If you NEED a knee surgery or an IV drip...you don't have a whole lot of choice in the matter. You HAVE to get it. Since you HAVE to get it, and it is provided FOR profit.....
|
|
| | | 156 | boikin
ID: 532592112 Fri, Jul 24, 2009, 11:58
|
Why does a knee surgery or an IV drip cost so much more here than it does anywhere else?
Because 'here'; virtually everything available is 'for profit'. If you NEED a knee surgery or an IV drip...you don't have a whole lot of choice in the matter. You HAVE to get it. Since you HAVE to get it, and it is provided FOR profit.....
does it really cost more here? If so how much so? Because i have gotten bills in foreign countries and it is not free.
you always have a choice, well except when the government forces you have a treatment.
|
|
| | | 157 | biliruben Leader
ID: 589301110 Fri, Jul 24, 2009, 12:17
|
No worries, B7.
I just happen to give trades a lot of thought, and don't make them lightly. When I spend a fair amount of time trying to come up with what I think is a fair trade that benefits all parties, and I get a schlock counter, it sometimes rubs me the wrong way.
I think my offer was very fair. It's your right to decline, but don't counter with nonsense.
|
|
| | | 158 | Dr. Building 7 .
ID: 471052128 Fri, Jul 24, 2009, 14:06
|
Like I say, you won't have to worry about receiving any trade offers from me that you consider nonsense, anymore. That will never happen again.
Perry raises possibility of states' rights showdown with White House over healthcare
"It really is a state issue, and if there was ever an argument for the 10th Amendment and for letting the states find a solution to their problems, this may be at the top of the class," Perry said.
I'm not the only one who thinks they should pass an amendment for this legislation.
|
|
| | | 159 | Mith
ID: 2894309 Fri, Jul 24, 2009, 14:20
|
Rick Perry has displayed a rather curious interpretation of the 10th Amendment.
|
|
| | | 160 | Tree
ID: 41371322 Fri, Jul 24, 2009, 14:36
|
I don't know why anybody would be insulted by a fantasy baseball trade offer.
that's the norm for this league. people complain about trade offers, trades declined, and trades made.
|
|
| | | 161 | Perm Dude
ID: 154552311 Fri, Jul 24, 2009, 14:51
|
I think the Administration would love a showdown with Gov. Perry on his interpretation of states rights. That would be a yahoo killer right there.
|
|
| | | 162 | sarge33rd
ID: 17681812 Fri, Jul 24, 2009, 15:10
|
I'm not the only one who thinks they should pass an amendment for this legislation.
Given Gov Perry's history; I'd be inclined to SERIOUSLY rethink my position if it was in agreement with his.
|
|
| | | 163 | Perm Dude
ID: 154552311 Fri, Jul 24, 2009, 15:34
|
Gov. Perry likes to invoke the "spirit" of the law when it suits him, but slam judges for doing the same interpretations on cases in front of them.
He's all for states rights, except in the case of things he likes and then he wants the federal government to mandate those likes across the entire country.
He's got a great head of hair, but he's probably going to get his butt handed to him by Hutchinson in the governor's race. Apparently he thinks the way to win is by appealing to the "base" despite the fact that 25% of Texans have no health insurance.
If the Administration gets health insurance reform passed this fall, this will hurt Perry right in the stomach. Choosing between the empty rhetoric of Perry and health insurance for your family isn't a hard choice for most people.
|
|
| | |
| | | 165 | rfs on BB
ID: 316282418 Fri, Jul 24, 2009, 19:28
|
Re 155. The majority of hospitals "here" are not for profit.
|
|
| | | 166 | sarge33rd
ID: 56262422 Fri, Jul 24, 2009, 23:26
|
maybe not in theory. But the Orthopedic Surgeon is, the anesthesiologist is, the pharmaceutical company behind the various drugs are, the company providing the beds and equipment TO the hospital are...and allllllllll that has to be paid for.
|
|
| | |
| | | 168 | J-Bar
ID: 256552623 Mon, Jul 27, 2009, 01:22
|
in reference to the IMR it has already been shown that other countries do not follow the WHO standards in reporting live births. Therefore they are almost useless in judging the state of health care of a country along with the life span numbers. I am sure that there are statisticians on this board that can better explain that if the variables are different than the comparisons are silly.
With 8% of the Texas population illegal that puts us at 17% uninsured, another 5% that are eligible for medicaid and not worried enough about it to apply, down to 12%, another 3% of people 18 - 35 that choose not to pay for health insurance, down to less than 10% without trying very hard. We cant use real numbers or it wouldnt be grave problem that requires complete overhaul immediately.
This whole argument about insurance and it being so expensive is mostly still personal choice to be insured or do other things (ie make more money where benefits are not a part of salary, cable, cell phone, laptops, 2nd home, harley davidson, vacation, new car, pay as you go, ect...)
Personally I have seen many consumers go from private insurance to medicaid with unlimited prescriptions and then amazingly their scheduled Dr. visits are now monthly instead of quarterly, scripts go from 3 to 15 almost immediately, emergency room use for sniffles, ect...
I am one that believes that we need a safety net but that if we keep increasing that net then we are creating a change in overall attitude from 'It is my obligation to do for me and mine' to 'It is someone elses fault that I can't take of care of me and mine so the government should do it'.
I know that we have posters on this board that have chosen to pay as they go and only have catastrophic insurance. If this is their choice then i would like for them to explain to me why they feel that the government should come in and fill the void that they have chosen to not fill.
Please correct the government health insurance boondoggles (Medicaid and Medicare) that we already have and can't pay for before we start another. Kind of a shame that Medicare Part D is a successful program coming in under projected costs (rare for any government program) and we hear nothing about that.
|
|
| | | 169 | sarge33rd
ID: 236141411 Mon, Jul 27, 2009, 09:43
|
I know that we have posters on this board that have chosen to pay as they go and only have catastrophic insurance. If this is their choice then i would like for them to explain to me why they feel that the government should come in and fill the void that they have chosen to not fill.
Speaking for myself, over the past 12 motnhs;
my work week has gone from 60 hrs to 75; my gross pay has one from 2k/wk to 500/bi-weekly;
I cant pay 1k/m for insurance, if I want to have ANYTHING to eat.
|
|
| | | 170 | DWetzel at work
ID: 49962710 Mon, Jul 27, 2009, 10:34
|
"Personally I have seen many consumers go from private insurance to medicaid with unlimited prescriptions and then amazingly their scheduled Dr. visits are now monthly instead of quarterly, scripts go from 3 to 15 almost immediately, emergency room use for sniffles, ect..."
ER for sniffles isn't good. Most people really don't do that though.
As for the other stuff--I'd rather pay for someone's prescription heart medicine than to pay for their emergency opoen-heart surgery as a result of not taking it. And make no mistake, I will be paying for it, because the hospital and insurance companies are counting on it.
|
|
| | | 171 | boikin
ID: 532592112 Mon, Jul 27, 2009, 14:04
|
Krugman makes an important point (one that Obama is trying to now make) that the problem isn't health care per se, but health care insurance.
Actually the problem is health care is now viewed as a need and not as a want. Which means basically you have two choices private system where those that are better off (more resources) get health care they want or you can have the government pay for it and in that case you get the health care you need. So people will call this rationing, but i think more accurately it would just mean that you are getting the care that you need not that you want.
|
|
| | | 172 | Mith
ID: 2894309 Mon, Jul 27, 2009, 14:12
|
Actually the problem is health care is now viewed as a need and not as a want.
Your phrasing here places outdated principle over realistic pragmatism. Sure, health insurance, even for people who cannot afford to pay for health care ala carte, is not a necessity - but only if you believe professional health care in general is a "want" and not a "need".
|
|
| | | 173 | biliruben
ID: 461142511 Mon, Jul 27, 2009, 15:48
|
Health care is a necessity in a society with any sort of moral compass.
Doctors with any ethics will not withhold care, nor would I assume you would want them to.
Also, unless you are in the healthcare field (a doc or a nurse yourself) it's nearly impossible to understand the complexities of the system well enough to do any comparison shopping.
You can't build a functional market with those two things.
The vast majority people will pay anything to live, and most people are not capable of determining good care from bad.
|
|
| | | 174 | boikin
ID: 532592112 Mon, Jul 27, 2009, 16:45
|
Doctors with any ethics will not withhold care, nor would I assume you would want them to.
do they? ask yourself the opposite question. I want to die. I ask a doctor for help, what is my answer?
|
|
| | | 175 | biliruben
ID: 461142511 Mon, Jul 27, 2009, 17:21
|
Wow. Go off on a tangent much?
"If I can think of some exception to his statement, no matter how trivial to the discussion, maybe he'll forget that his point is still valid!"
|
|
| | | 176 | J-Bar
ID: 256552623 Mon, Jul 27, 2009, 21:30
|
dwetzel- when was the last time you visited the er? snotty children usually outnumber all other patients at ours (granted not a big city er). in reference to your other point i will grant some may have been from not being able to afford but i have not seen their health increase and more often see them deteriorate because of the amount of meds that they are put on NOW that their DR. knows they can get them.
First reform I would make is to keep pharmaceutical companies from being able to publicly advertise prescribed medicine.
Sarge- I am unsure why you are not able to go to the VA because i do not know your whole story. Are there others in your HH? Your situation may be one that will just require time, initiative, and some luck so that it will improve. Hopefully your health is good.
Bili- please tell me when there has not been health care available. Unsure what moral compass has to do with it. The safety net is already large and the CHIP program showed that even people not in the system that had health insurance dropped it because they are now eligible for the cheap or free stuff. Once we get to a point that the basics of life are no longer our priorities because the government is going to take care of it then the attitudinal change from 'Welfare only as a last resort' to 'Is this all I'm getting, how do you expect me to feed my family of 6 on $900 in food stamps' happens.
|
|
| | | 177 | sarge33rd
ID: 556472720 Mon, Jul 27, 2009, 21:47
|
I'm not a military retiree, thats why I cant use VA. Of course there is another in my household. I'm not trying to survive on 1k/m gross.
|
|
| | | 178 | Perm Dude
ID: 154552311 Mon, Jul 27, 2009, 22:18
|
First reform I would make is to keep pharmaceutical companies from being able to publicly advertise prescribed medicine.
I agree. The thing it, the advertising really, really works, but at what cost? Doctors are hit with all sorts of questions about advertised drugs which might not even work on people, who feel they have a problem because the ad said they might.
|
|
| | | 179 | J-Bar
ID: 256552623 Mon, Jul 27, 2009, 22:19
|
I'm not sure what your age and when you were in but you do not have to be retired to use the VA. Different priority levels, may want to check into it if you haven't already.
|
|
| | | 180 | sarge33rd
ID: 556472720 Mon, Jul 27, 2009, 23:06
|
Went to VA once for a vasectomy. Had to be there at 8 in the morning. At 4 that afternoon, they rolled me in to start the procedure.
I wouldnt go to a VA hospital, unless it was the ONLY chance for me to survive. Damn near every VA employee I have ever met, is so damned afraid they might do something wrong, they decide instead to do nothing at all.
|
|
| | | 181 | J-Bar
ID: 256552623 Mon, Jul 27, 2009, 23:44
|
Sounds to me like you have insurance and you support making all of our health care equivalent to that of the VA.
|
|
| | | 182 | Perm Dude
ID: 154552311 Tue, Jul 28, 2009, 00:09
|
Too bad that's not a proposal on the table for sarge to support. No one is proposing that the government run the hospitals.
Obama is supporting health insurance reform. He wants to extend health insurance to everyone, since health care (real health care--not indigent cases through and ER) is closed out to those without insurance.
|
|
| | | 183 | J-Bar
ID: 256552623 Tue, Jul 28, 2009, 00:51
|
Please enlighten me now that the verbiage has changed to health insurance reform (2-3 days ago). I am sure you have read that 6 inch thick bill and are so knowledgeable that you can make such profound guarantees as to what it is proposing and how the final product will ultimately look. Since when is health care closed out to those without insurance. You can go to any Dr. you want w/o insurance just like you go to McDonald's and order a burger. You just have to pay what's listed as the price on the menu. Again I wish people would stop talking like 2 huge vastly reaching government health insurance programs don't already exist. These are already projected to be unsustainable in a few years so we should add another. Health insurance is available and affordable to most Americans who make that a priority for themselves and their families. I do not buy into the myths that I feel are being promulgated to get bad legislation passed. With about 45% of the population covered by Medicare, Medicaid, and SCHIP, are we really saying that the safety net is not big enough and that the rest of America can't get insurance (if they want it) w/o the government providing it.
|
|
| | | 184 | DWetzel
ID: 33337117 Tue, Jul 28, 2009, 00:58
|
"dwetzel- when was the last time you visited the er? snotty children usually outnumber all other patients at ours (granted not a big city er)."
About five months ago. Father in law fell, gashed the side of his head on a barstool, had about 20-25 stitches in his cheek and jaw area. At the time I arrived (about 9 PM) there were maybe two other people in the waiting room, and I have no idea what they were there for but by their level of concern it was definitely more severe than the sniffles.
And I will fully grant that the ER can be overused and overrun by people who should not be using it. Part of the reason that they do so is because they have no other affordable way to see a doctor on any level, and they know that the ER will not refuse to see them.
Our local hospital also has a "convenient care" option, which is basically a walk-in for non-emergency related issues, open something like 12 hours a day, so that covers quite a few of the ER type visits. My family has used that a few times for the normal range of kid illnesses/fevers/mysterious symptoms that kids get, because the alternative of calling to see the kids' regular doctor just isn't available for a few days. Honestly, if there's a 2% chance that my kid's got some weird dread disease and a 98% chance it's cold/flu, I'd rather take them in to see someone rather than wait a couple of days for the symptoms to get worse. It also helps that my wife works in said hospital (purchasing) and that she sort of knows the ins and outs of where to go and who to talk to.
If that convenient care option were not available (in rural areas) or not at all convenient (say in very poor areas where there's probably a massive wait), and the choice were exclusively between the ER or waiting a couple of days to see the kid's regular doctor, well, it'd be a tough choice. Throw in the significant number of people whose kids do not HAVE a regular doctor, because they can't afford it anyway, and yes, you are going to see a lot of people in the ER that probably don't belong there.
One of the goals of a sensible health care reform plan will almost certainly be to find a way to make that basic level of care much more affordable. I'd personally be fine with putting basic visits on a government program, and INCREASING the costs to patients for more serious procedures. Part of the reason that the basic costs are so high is that those are subsidizing the insanely high cost of procedures for people that cannot afford them.
|
|
| | | 185 | J-Bar
ID: 256552623 Tue, Jul 28, 2009, 01:15
|
Most here are Medicaid clients or illegal. I want to address why we feel that basic care is so expensive. What does the average Dr. visit cost? $75-$150 How is that so out of line. $10 vaccines who does that break that is not in the covered 45%. Child needs 3 visits a year. 3 or 4 prescriptions another $200 per year. $600 per yr basic care for child. These are my figures and what it would cost if i chose to pay as i go with a $100 a month catastrophic insurance policy. Tell me your areas cost of basic care.
|
|
| | | 186 | sarge33rd
ID: 236141411 Tue, Jul 28, 2009, 09:50
|
Sounds to me like you have insurance and you support making all of our health care equivalent to that of the VA.
Which part pf my many statemnents that "we are amongst the uninsured"; causes you to think I have insurance?
As PD pointed out, Govt run health-care, if done as per the VA, would indeed be a disaster. Fortunately, government offered health insurance is not the same as government run health-care.
|
|
| | | 187 | sarge33rd
ID: 236141411 Tue, Jul 28, 2009, 10:41
|
$100 for an office visit, isn't out of line, but that doesn't make it affordable.
When I mad3e 2k/wk...it was a non-issue. I needewd to see a Doc; I went. Now? With my income down 80% and hers down 65%? We need to see a Doc? Tough it out, we can't afford to. I can't imagine, what it would be like right now if we had kids in the household.
|
|
| | |
| | | 189 | sarge33rd
ID: 236141411 Wed, Jul 29, 2009, 10:44
|
Harvard STudy on Personal BKs
Medical problems caused 62% of all personal bankruptcies filed in the U.S. in 2007, according to a study by Harvard researchers. And in a finding that surprised even the researchers, 78% of those filers had medical insurance at the start of their illnesses, including 60.3% who had private coverage, not Medicare or Medicaid.
Medically related bankruptcies have been rising steadily for decades. In 1981, only 8% of families filing for bankruptcy cited a serious medical problem as the reason, while a 2001 study of bankruptcies in five states by the same researchers found that illness or medical bills contributed to 50% of all filings. {emphasis added}
THAT, is why reform is necessary.
|
|
| | | 190 | Boldwin
ID: 376192015 Wed, Jul 29, 2009, 17:52
|
So let's just bankrupt the whole country forever instead. Brilliant.
|
|
| | | 191 | Perm Dude
ID: 154552311 Wed, Jul 29, 2009, 17:59
|
No, just for a short period of time.
What a goober comment, Boldwin. Context free, yet snarky.
|
|
| | | 192 | Wilmer McLean
ID: 37652917 Wed, Jul 29, 2009, 18:09
|
Technological Change and the Growth of Health Care Spending (Congressional Budget Office - January 2008)
...
Factors Underlying Historical Growth in Health Care Spending
From 1965 to 2005, real health care expenditures per capita increased nearly sixfold in the United States. That large increase was the combined result of many factors, and accounting precisely for all of them is difficult. Nonetheless, the general consensus among health economists is that growth in real health care spending was principally the result of the emergence of new medical technologies and services and their adoption and widespread diffusion by the U.S. health care system.5
Challenges in Measuring the Contribution of Technological Change to Rising Costs
Directly measuring the effects of advancing technology on total spending on health care is extremely difficult, for several reasons. One reason is the sheer complexity of medical science and its unusually rapid pace of change. Also, technological change occurs simultaneously with changes in other factors that affect health care spending, such as personal income and third-party payment. And those factors themselves influence the pace of technological development, making it difficult to identify exactly how technological change itself affects spending growth. One way to examine how a specific technological development— and the associated changes in clinical practice— affected spending on specific types of patients is to use a case-study approach. That approach, however, does not allow a comprehensive analysis of how total spending on health care changes with advances in technology. Another way to approximate the effect of technological change is to do so indirectly, using the “residual” method. Certain demographic and economic factors, such as the aging of the population and rising personal income, are determinants of health care spending; using estimates of the relationships between those factors and spending levels, analysts can estimate how changes in those factors contributed to changes in spending, assuming no changes in medical technology. After accounting for the contributions of as many measurable factors as possible, analysts attribute the unexplained portion of spending growth, or the residual, to technological change and the changes in clinical practice associated with it. This approach yields findings that can be sensitive to assumptions concerning the effects of the various factors. In addition, studies using this approach generally do not account for dynamic interactions between growth of personal income, health insurance coverage, and technology development. Nonetheless, this approach can yield a reasonable approximation of how technological change relates to long-term growth in total health care spending.6
(5. This conclusion has been reached by Schwartz, “The Inevitable Failure of Current Cost-Containment Strategies” (1987); Weisbrod, “The Health Care Quadrilemma” (1991); Newhouse, “Medical Care Costs” (1992); and Cutler, “Technology, Health Costs, and the NIH” (1995). See Fuchs, “Economics, Values, and Health Care Reform” (1996), for a discussion of the views of economists on technological change and growth in health care spending.)
(6. Another indirect way to measure the effect of technological change on spending is to identify a measurable factor that can serve as a proxy for technological change. For example, some analysts use spending on research and development as a representation of technological change. Each of the various approaches has advantages and disadvantages. Generally, analyses using all of these methods support the finding that most of the long-term rise in health care spending is associated with the use of new medical technologies. For analyses that employ an approach that differs from the one used in this discussion, see Albert A. Okunade and Vasudeva N.R. Murthy, “Technology as a Major Driver of Health Care Costs: A Cointegration Analysis of the Newhouse Conjecture,” Journal of Health Economics, vol. 21 (2002), pp. 147–159; and Livio di Matteo, “The Macro Determinants of Health Expenditure in the United States and Canada: Assessing the Impact of Income, Age Distribution and Time,” Health Policy, vol. 71 (January 2005), pp. 23–42.) ...
|
|
| | | 193 | Perm Dude
ID: 154552311 Wed, Jul 29, 2009, 19:51
|
Haven't had a chance to read through your post yet Wilmer, but I will. One thing I wanted to add to it was that the real problem with technological uses in health care is that there are literally hundreds of programs out there to keep track of information and very few of them can "talk" with each other. The federal government, until recently, could not transfer medical information from the Armed Forces to the VA directly--the stuff had to be printed out, mailed to the VA for data entry into their system. A huge waste.
Meanwhile, the Blue Dogs appear to be getting on board after getting a number of concessions in the bill.
|
|
| | | 194 | Boldwin
ID: 376192015 Thu, Jul 30, 2009, 06:21
|
A Partial list of reasons to hate Obama-care[House version of the bill]
• Page 22: Mandates audits of all employers that self-insure!
• Page 29: Admission: your health care will be rationed!
• Page 30: A government committee will decide what treatments and benefits you get (and, unlike an insurer, there will be no appeals process)
• Page 42: The “Health Choices Commissioner” will decide health benefits for you. You will have no choice. None.
• Page 50: All non-US citizens, illegal or not, will be provided with free healthcare services.
• Page 58: Every person will be issued a National ID Healthcard.
• Page 59: The federal government will have direct, real-time access to all individual bank accounts for electronic funds transfer.
• Page 65: Taxpayers will subsidize all union retiree and community organizer health plans (read: SEIU, UAW and ACORN)
• Page 72: All private healthcare plans must conform to government rules to participate in a Healthcare Exchange.
• Page 84: All private healthcare plans must participate in the Healthcare Exchange (i.e., total government control of private plans)
• Page 91: Government mandates linguistic infrastructure for services; translation: illegal aliens
• Page 95: The Government will pay ACORN and Americorps to sign up individuals for Government-run Health Care plan.
• Page 102: Those eligible for Medicaid will be automatically enrolled: you have no choice in the matter.
• Page 124: No company can sue the government for price-fixing. No “judicial review” is permitted against the government monopoly. Put simply, private insurers will be crushed.
• Page 127: The AMA sold doctors out: the government will set wages.
• Page 145: An employer MUST auto-enroll employees into the government-run public plan. No alternatives.
• Page 126: Employers MUST pay healthcare bills for part-time employees AND their families.
• Page 149: Any employer with a payroll of $400K or more, who does not offer the public option, pays an 8% tax on payroll
• Page 150: Any employer with a payroll of $250K-400K or more, who does not offer the public option, pays a 2 to 6% tax on payroll
• Page 167: Any individual who doesnt’ have acceptable healthcare (according to the government) will be taxed 2.5% of income.
• Page 170: Any NON-RESIDENT alien is exempt from individual taxes (Americans will pay for them).
• Page 195: Officers and employees of Government Healthcare Bureaucracy will have access to ALL American financial and personal records.
• Page 203: “The tax imposed under this section shall not be treated as tax.” Yes, it really says that.• Page 239: Bill will reduce physician services for Medicaid. Seniors and the poor most affected.”
• Page 241: Doctors: no matter what speciality you have, you’ll all be paid the same (thanks, AMA!)
• Page 253: Government sets value of doctors’ time, their professional judgment, etc.
• Page 265: Government mandates and controls productivity for private healthcare industries.
• Page 268: Government regulates rental and purchase of power-driven wheelchairs.
• Page 272: Cancer patients: welcome to the wonderful world of rationing!
• Page 280: Hospitals will be penalized for what the government deems preventable re-admissions.
• Page 298: Doctors: if you treat a patient during an initial admission that results in a readmission, you will be penalized by the government.
• Page 317: Doctors: you are now prohibited for owning and investing in healthcare companies!
• Page 318: Prohibition on hospital expansion. Hospitals cannot expand without government approval.
• Page 321: Hospital expansion hinges on “community” input: in other words, yet another payoff for ACORN.
• Page 335: Government mandates establishment of outcome-based measures: i.e., rationing.
• Page 341: Government has authority to disqualify Medicare Advantage Plans, HMOs, etc.
• Page 354: Government will restrict enrollment of SPECIAL NEEDS individuals.
• Page 379: More bureaucracy: Telehealth Advisory Committee (healthcare by phone).
• Page 425: More bureaucracy: Advance Care Planning Consult: Senior Citizens, assisted suicide, euthanasia?
• Page 425: Government will instruct and consult regarding living wills, durable powers of attorney, etc. Mandatory. Appears to lock in estate taxes ahead of time.
• Page 425: Goverment provides approved list of end-of-life resources, guiding you in death.
• Page 427: Government mandates program that orders end-of-life treatment; government dictates how your life ends.
• Page 429: Advance Care Planning Consult will be used to dictate treatment as patient’s health deteriorates. This can include an ORDER for end-of-life plans. An ORDER from the GOVERNMENT.
• Page 430: Government will decide what level of treatments you may have at end-of-life.
• Page 469: Community-based Home Medical Services: more payoffs for ACORN.
• Page 472: Payments to Community-based organizations: more payoffs for ACORN.
• Page 489: Government will cover marriage and family therapy. Government intervenes in your marriage.
• Page 494: Government will cover mental health services: defining, creating and rationing those services. Just to show how incomplete is this list of unmitigated disasters is, I already knew of another amazing deal killer which proves the way left framed this was a big lie...
Page 16 makes it illegal to ever sell another insurance policy on the open market ever again!
But oh no, the left keeps telling us this bill is harmless and anyone who doesn't want to participate in North Korea-care can just opt out.
|
|
| | | 195 | Frick
ID: 4945458 Thu, Jul 30, 2009, 09:13
|
Boldwin, is that your own list or a list compiled by someone else, if so please link the source.
There is a substantial amount of context that is pulled out of the list, starting with the first item. Most self-insured companies are audited already. What will the audit consist of? That is the key point, but it in the statement above, it looks good as a talking point for inflammatory purposes, but in reality doesn't give nearly enough details to form a coherent opinion.
|
|
| | | 196 | Perm Dude
ID: 154552311 Thu, Jul 30, 2009, 10:38
|
Never thought I'd see Baldwin get even lower by posting rightwing chain emails.
|
|
| | | 197 | Boldwin
ID: 376192015 Thu, Jul 30, 2009, 10:46
|
My title of post#194 is the link to the source.
Most self-insured companies are audited already
I am self-employed and have only been auditted once, and that was the year when the Clintons had virtually every person on the internet who could conceivably be called part of "the vast right wing conspiracy" auditted. I am self-insured until this bill passes and outlaws it.
There is a substantial amount of context that is pulled out of the list
You noticed that I did not post all 1000+ pages...damn, caught me again.
What will the audit consist of?
Besides one more audit than any sane employer wants?
They will determine the solvency and capitalization of the company and that the company plan is equal to or better than the socialized version.
I can assure you that I will never hire another part time employee based on what I know now about the expense of socialized medicine coming.
|
|
| | | 198 | Perm Dude
ID: 154552311 Thu, Jul 30, 2009, 10:51
|
Scared out of it by a fake list, making the circle of the "conservative" echo chamber?
Might as well title that "Scary stuff we made up from a very big thing from the government!! Did I mention scary, big, and government?"
|
|
| | | 199 | Boldwin
ID: 376192015 Thu, Jul 30, 2009, 11:14
|
No one is going to hire a part-timer and go thru all that red tape and the expense of insuring the entire family of a part-time worker.
Perhaps good news only to temp services. Let them do the paperwork. But the extra expense will sure be a drag on that.
Good news for companies willing to risk paying illegals under the table or large enuff to risk the fines. Another honesty tax. Another hurdle for small business.
|
|
| | | 200 | sarge33rd
ID: 236141411 Thu, Jul 30, 2009, 11:17
|
If your employees cant afford to buy food, what makes you think they will be productive? or timely? or efficient?
You say one more hurdle for small business, I say one more hurdle to combat virtual slave labor.
|
|
| | | 201 | Boldwin
ID: 376192015 Thu, Jul 30, 2009, 11:26
|
Just keep hacking off that lowest rung. I'm sure the poor have lots of relatives willing to support them when you push unemployment even further into double-digits.
|
|
| | | 202 | Perm Dude
ID: 154552311 Thu, Jul 30, 2009, 11:26
|
You aren't required to offer health insurance to part time employees, Baldwin. The bill doesn't mandate that employees even offer health insurance. The bill says that if you do offer health care as a benefit then the insurance needs to have certain characteristics if you sign someone up after the bill goes into effect.
|
|
| | | 203 | Perm Dude
ID: 154552311 Thu, Jul 30, 2009, 11:29
|
Let's take a couple, just to put the nail in this coffin. Boldwin clearly never doublechecked their work, since it reflected his worst fears:
Page 22: Mandates audits of all employers that self-insure!
The page in question says nothing of the sort. It directs the Commissioner to study the market, it neither authorizes nor mandates audits of individual plans.
Page 50: All non-US citizens, illegal or not, will be provided with free healthcare services.
This probably refers to Sec 152, which is pp. 50-51:
SEC. 152. PROHIBITING DISCRIMINATION IN HEALTH CARE.
(a) IN GENERAL.—Except as otherwise explicitly permitted by this Act and by subsequent regulations consistent with this Act, all health care and related services (including insurance coverage and public health activities) covered by this Act shall be provided without regard to personal characteristics extraneous to the provision of high quality health care or related services.
(b) IMPLEMENTATION.—To implement the requirement set forth in subsection (a), the Secretary of Health and Human Services shall, not later than 18 months after the date of the enactment of this Act, promulgate such regulations as are necessary or appropriate to insure that all health care and related services (including insurance coverage and public health activities) covered by this Act are provided (whether directly or through contractual, licensing, or other arrangements) without regard to personal characteristics extraneous to the provision of high quality health care or related services.
Since the act specifically excludes illegal aliens it isn't clear why a section which says that insurance companies, hospitals, and so on can't discriminate against people for non-health related reasons.
Page 425: Goverment provides approved list of end-of-life resources, guiding you in death.
FactCheck covered this one, it seems
I doubt the rest will stand up to any scrutiny. But that's the point, isn't it? People like Baldwin don't scrutinize anymore, they taken them without even chewing anymore, and pass them along like the GOP footsoldier they are, never questioning orders.
|
|
| | | 204 | Boldwin
ID: 376192015 Thu, Jul 30, 2009, 12:48
|
The bill does not specify whether all self-insured employers will be auditted for solvency, capital reserves and whether their plans are equal to or better than socialized medicine or only a representative portion. It also doesn't limit it to a representative portion.
I never assume Obama means to interpret the law in the smallest government sense and neither should you.
Do you, PD think that he will allow any self-insured employer to offer less than the government plan? Really? If not, then you have to assume he means to audit them all.
|
|
| | | 205 | Perm Dude
ID: 154552311 Thu, Jul 30, 2009, 12:54
|
The bill does not specify whether all self-insured employers will be auditted for solvency...
That's right. It also doesn't say whether self-insured employers will get spanked. Doesn't mean they will.
|
|
| | | 206 | Boldwin
ID: 376192015 Thu, Jul 30, 2009, 13:06
|
To your second point, show me any teeth in this bill which will enforce a 'no illegals get free healthcare' statement.Section 246 of the House health care plan, or HR 3200, states:
NO FEDERAL PAYMENT FOR UNDOCUMENTED ALIENS. Nothing in this subtitle shall allow Federal payments for affordability credits on behalf of individuals who are not lawfully present in the United States. But Stuart Bybee, spokesman for Rep. Dean Heller, R-Nev., told WND restrictions on illegal alien enrollment are not clearly enforced under the House bill.
"Essentially, it's just a very vague provision, and it really doesn't have any enforcement capability to it," Bybee said. "It just says if you go in and claim that you are a citizen, that's good enough."
Heller offered an amendment to HR 3200 during the House Ways and Means Committee markup that would have ensured that illegal aliens would not qualify for health care benefits under the bill.
Heller's amendment would have required the federal government use the same database it currently uses to determine eligibility for welfare recipients to ensure illegal aliens do not enroll in the government health care plan. Applicants would have to show eligibility through the Income and Eligibility Verification System and the Systematic Alien Verification for Entitlements system.
When Heller offered the amendment to H.R. 3200, he issued a statement saying Section 246 does not require the tools necessary to ensure illegal aliens don't access taxpayer-funded health care benefits.
The House Ways and Means Committee rejected Heller amendment July 17 in a straight party-line vote.
Bybee said, "If the intention was to make sure that only citizens had access to this care, then the congressman's amendment should have passed." It is patently obvious that the denial that this plan was intended to cover illegals was just window dressing to head off opposition and that the loophole big enuff to drive 10 million illegals thru was intended for that very purpose.
Were I a betting man PD would be coughing up bigtime shortly on this point.
|
|
| | | 207 | Perm Dude
ID: 154552311 Thu, Jul 30, 2009, 13:13
|
It is patently obvious ...
There are a number of things that seem "obvious" to you that are clearly not true. Questions about Obama's citizenship, for example. You'll pardon me if I don't take your biases as being an unobjective truth.
Just so we're clear, here: You believe both that everyone will need to get a National ID card to get health care, and that anyone can walk off the street, claim they are a citizen, and get health care. Is that about right?
|
|
| | | 208 | Boldwin
ID: 376192015 Thu, Jul 30, 2009, 13:15
|
And if you believe this one E-mail me your debit card PIN number:
SEC. 152. PROHIBITING DISCRIMINATION IN HEALTH CARE.
What a sad laffline that is.
They are going to twist your arm every five years to get you to agree to be euthanized whenever the government thinks it would be a good idea to put you down.
I predict that if you refuse to sign their euthanasia permission slip they are going to label you combative and incompetent to make your own decisions and they will go ahead and put you down anyway after running you thru the 'mental health' gauntlet.
And you do want to be allowed to drive, don't you Mr. Helson? Just sign here then.
|
|
| | | 209 | sarge33rd
ID: 17681812 Thu, Jul 30, 2009, 13:20
|
To your second point, show me any teeth in this bill which will enforce a 'no illegals get free healthcare' statement.
Are you serious? You're asking for proof to establish a negative re a negative? ie Citizenship = no thus care = no?
Show me where that exists in almost anything?
I predict that if you refuse to sign their euthanasia permission slip they are going to label you combative and incompetent to make your own decisions and they will go ahead and put you down anyway after running you thru the 'mental health' gauntlet.
Show me where this applies. I'll ask you for proof of your contention; not proof of a negative.
|
|
| | | 210 | Perm Dude
ID: 154552311 Thu, Jul 30, 2009, 13:21
|
Another opportunity for Baldwin to infuse large pieces of legislation with his own fears.
|
|
| | | 211 | Boldwin
ID: 376192015 Thu, Jul 30, 2009, 13:21
|
They've been pushing for a national ID forever and refusing to check for citizenship status forever. Before Barney Frank is done we will be paying off their mortgages for them. They are letting them vote for crying out loud. They are already bankrupting the border states with illegals' medical burdens. This see no evil approach isn't going to change with healthcare.
Border patrols and Texas policemen are not even allowed to check if the people they stop are legals. You think this will change at the hospital admissions desk?
|
|
| | | 212 | Perm Dude
ID: 154552311 Thu, Jul 30, 2009, 13:26
|
You come in bleeding to a hospital. What do they ask you first? For your insurance card.
I don't expect that to end. If you do, you're even more unhinged than ever.
I don't expect your fears to be reality-based. By their nature, they are not. I don't expect a "thinking" person to be driven exclusively by them however, or to try to justify them with non-facts.
Stop flapping your hands so much. You look stupid.
|
|
| | | 213 | Boldwin
ID: 376192015 Thu, Jul 30, 2009, 14:01
|
You come in bleeding to a hospital. What do they ask you first? For your insurance card.
And what do they say when you can't produce an insurance card?
Nothing. I know from first hand experience.
Without enforcement language in the bill, statements of intent are just smoke.
|
|
| | | 214 | Boldwin
ID: 376192015 Thu, Jul 30, 2009, 14:02
|
And if they intended to enforce it they would have voted for the clarifying amendmends that sought to do that.
Quit blowing smoke up everyone's wazzoo. It's unhealthy.
|
|
| | | 215 | Boldwin
ID: 376192015 Thu, Jul 30, 2009, 14:20
|
Oh, and when events prove PD wrong on this, he'll begin immediately talking out of the other side of his mouth about the children, oh the children and how we can't withhold healthcare from illegals because we'll all die of swine flu if we do.
Liberals are so predictable.
Talkingpointsmemo will just switch gears and I'll never get an apology and credit for being accurate.
I'll just have to work harder to support the illegals.
|
|
| | | 216 | Tree
ID: 41371322 Thu, Jul 30, 2009, 14:31
|
Oh, and when events prove PD wrong on this, he'll begin immediately talking out of the other side of his mouth about the children, oh the children and how we can't withhold healthcare from illegals because we'll all die of swine flu if we do.
Liberals are so predictable
actually, it's conservatives who are so predictable. They keep saying the sky is falling. and when it doesnt fall, they claim to have never said such things, until the next time they claim the sky is falling.
you keep saying "this is going to happen," and it never does. It is probably quite funny to go back and read what you claimed Obama would do in his first six month in office.
|
|
| | | 217 | Boldwin
ID: 376192015 Thu, Jul 30, 2009, 14:33
|
More comprehensive list:PG 22 Mandates the Government will audit books of ALL EMPLOYERS that self insure! PG 24 Line 116 Government effectively sets prices for ALL private health plans. PG 30 Line 123 There will be a Government COMMITTEE that decides all treatments and benefits. PG 37 Line 132 The Government will be reviewing grievances about themselves and will decide on appeals for rejected claims. PG 29 Line 4-16 YOUR HEALTHCARE IS RATIONED!!! Additionally you can reference PG 15 Line 19-25. PG 42 The Health Choices Commissioner will choose your HealthCare Benefits for you. You have no choice! PG 50 Line 152 HealthCare will be provided to ALL non US citizens, illegal or otherwise. PG 58 Government will have real-time access to individuals' finances & a National ID HealthCare Card will be issued! PG 59 Line 21-24 Government will have direct access to your bank accounts for electronic funds transfer. PG 61 Line 22-24 Congress has no clue what Electronic Medical Records will cost. Asks for estimate. PG 62 Protection of Data; Government shows they will have database of your personal & financial info. PG64 Line 21-25, pg65 L 1-5 which refers to processing payment transactions by financial institutions PG 65 Line 164 is a payoff subsidized plan for retirees and their families in unions & community organizations (ACORN). PG 72 Line 8-14 Government is creating a HealthCare Exchange to bring private HealthCare plans under Government control. PG 84 Line 203 Government mandates ALL benefit packages for private HealthCare plans in the Exchange. PG 85 Line 7 Specs for of Benefit Levels for Plans = The Government will ration your HealthCare! #AARP members –your Health care will be rationed. PG 89 Line 6-10 The FAR is not applicable. Government can write contracts any way they want. PG 95 Line 8-18 The Gov. will use groups i.e., ACORN & Americorps to sign up individuals for Government HealthCare plan. PG 98 Line 8 Americans - You will be paying for others' HealthCare while paying for your own. PG 100 Line 15-19 The Government Will be using ACORN and other community groups to promote & enroll. PG 102 Line 12-18 Medicaid Eligible Individual will be automatically enrolled in Medicaid. No choice. PG 109 Line 207 Health Trust Fund. The Government will raise taxes on EVERYONE to fund HealthCare as they see fit. PG 110 Line 7-12 Employment taxes on ALL employers NOT offering Government HealthCare. No choice. PG 110 Line 13-18 An excise tax on ALL goods from companies not offering Government HealthCare. ALL Americans pay. PG 110 Line 19-24 the Treasury can take $$ from Soc Line to pay HealthCare. PG 111 Line 208 The Federal Government will usurp all State powers in State Based Health Care Exchange. Violation of 10th Amendment. PG 119 Line 1-3 Establishes geographically-adjusted premium rates for public option. Can you say ACORN census? PG 121 Line 223 PAYMENT RATES FOR ITEMS AND SERVICES. Can you say Government price fixing & monopoly? PG 124 Line 24-25 No company can sue Government on price fixing. No "judicial review" against Government Monopoly. PG 126 Line 10-15 The Government can make up prices for anything at anytime for any reason. PG 126 Line 22-25 Employers MUST pay for HealthCare for part time employees AND their families. PG 127 Line 1-16 Doctors: The Government will tell YOU what you can make. PG 129 The public option will be subsidized. Credits = your tax dollars. Redistribution of wealth. PG 130 Line 10-23 Federal Government will subsidize State Medicaid = Even Higher State & Federal taxes for ALL. PG 145 Line 15-17 An Employer MUST auto enroll employees into public option plan. NO CHOICE. PG 149 Line 16-24 ANY Employer with payroll $400K & above who does not provide public option pays 8% tax on all payroll. PG 150 Line 9-13 Biz with payroll btw $251k & $400k who doesn't provide public option pays 2-6% tax on all payroll. PG 151 Line 1-3 Aggregate Rules-tax on employers payroll not on public option include payroll of other businesses. PG 167 Line 18-23 ANY individual who doesn't have acceptable HealthCare according to Government will be taxed 2.5% of income. PG 170 Line 1-3 Any NONRESIDENT Alien is exempt from individual taxes. (Americans will pay) PG 195 Officers & employees of HealthCare Administration (Government) will have access to ALL Americans' financial/personal records. PG 198 Line 1-3 1.5% ADDITIONAL TAX on people who have income of $500k to $1mil. Redistribution of Wealth. PG 198 Line 4-6 5.4% ADDITIONAL TAX on people who have income of $1mil+. Redistribution of Wealth PG 199 Line 1-4 Surtax rates raised AGAIN on Americans in 2012. PG 201 Line 12-19 Government will ignore whatever costs they see fit to show savings. (Cooking the books) PG 203 Line 14-15 "The tax imposed under this section shall not be treated as tax" Yes, it says that. PG 202-215 is a Government rewrite of the tax code ensuring more taxes for EVERYONE, everywhere. PG 239 Line 14-24 Government will reduce physician services for Medicaid. Seniors, low income, poor affected. PG 241 Line 6-8 Doctors, doesn't matter what specialty you have, you'll all be paid the same. PG236 L22-25, 237 L1-3 National rate of uninsured defined by Census. Can you say ACORN corruption? PG 239 Line 10-12 Medicare DSH payments will be increased. Can you say even higher taxes for all? PG 238-249 Line 1121 Doctors-Government mandates your growth, costs, value, services, & income. Welcome to rationing PG 253 Line 10-18 Government sets value of Dr's time, professional judgment, etc. Literally value of humans. We're next. PG 260 Line 1125 Fed Government will adjust Medicare Payment Localities for California based on Census. ACORN? PG 265 Line 1131 Government mandates & controls productivity for private HealthCare industries. PG 268 Line 1141 Fed Government regulates rental & purchase of power driven wheelchairs. PG 270 Line 1144 Government Mandates that all private ambulatory surgical centers submit cost data & other data PG 272 Line 1145 TREATMENT OF CERTAIN CANCER HOSPITALS – Cancer patients – welcome to rationing! PG 276 Line 3-20 Oxygen Equipment & Supply Companies - Government MANDATES you will provide supplies NO MATTER where individual is. PG 287 Line 14-25 PROOF that Government will ration HealthCare by mandating waiting periods for readmission. PG 298 Line 9-11 Doctors: treat a patient during initial admission that results in a readmission - Government will penalize you. PG 303 Line 12-25 Post Acute Care Services Data – Government will collect data including personal information as they see fit. PG 304 Line 17-19 BIG ONE HERE: Expedited Data Collection – Chapter 35 Read More: http://www.twitlonger.com/show/c5bcfdae ... 6be70918ac PG 304 Line 17-19 Government does NOT have to protect your private information, share with anyone, & is not responsible. Expedited Data Collection - Chapter 35 of Title 44 of USC SHALL NOT APPLY. Folks this gives the gov't the right to access your data any way they see fit. Here is link to the chapter: http://www.law.cornell.edu/uscode/html/uscode44/usc_sec_44_00003501–-000-.html Look at number 8 THE GOVT IS SAYING THAT THEY DONT HAVE TO DO THIS!!! (8) ensure that the creation, collection, maintenance, use, dissemination, and disposition of information by or for the Federal Government is consistent with applicable laws, including laws relating to– (A) privacy and confidentiality, including section 552a of title 5; (B) security of information, including section 11332 of title 40 [1] ; and (C) access to information, including section 552 of title 5; PG 306 Line 3-6 The Government can expand the scope & size of Post Acute Program Services anytime & as they see fit. PG 313 Line 9-14 Government MANDATES Health Services providers will state ownership, invest, & compensation arrangements. PG 317 Line 13-20 PROHIBITION on ownership/investment. Government tells Drs. what/how much they can own. PG 317-318 L 21-25,1-3 PROHIBITION on expansion- Government is mandating hospitals cannot expand. PG 318-319 Government is mandating how hospitals & physicians conduct business & investments. We're next! PG 321 2-13 Hospitals have opportunity to apply for exception BUT community input required. Can you say ACORN?!! PG 328 Line 1157 Government study disguised. Its a HealthCare workforce study mandated by law for unionization. Pg335 L16-25,PG 336-339 Government mandates establishment of outcome based measures. HealthCare the way they want. Rationing. PG 341 Line 3-9 Government has authority to disqualify Medicare Adv Plans, HMOs, etc. Forcing into Government plan. PG 354 Line 1177 Government will RESTRICT enrollment of Special needs people! PG 355-369 Line 1181 Government disguises tax on Drug Companies as rebate to Government to subsidize Drugs. We pay in the end. PG 379 Line 1191 Government creates more bureaucracy – Telehealth Advisory Committee. Can you say HealthCare by phone? PG 399 If your a subsidy eligible individual under Medicare part D and you don't enroll, the Government will auto enroll you. PG 401 Section 1221 Americans will fund Medicare Language & Translation Services Program. Can you say MORE taxes? PG 404 Lines 12-16 Government exempts itself again from - Chap 35 of title 44, USC including privacy of Americans. PG 404 Lines 17-19 Government doesn't know the cost of Language services but states that money is there. PG 425 Lines 4-12 Government mandates Advance Care Planning Consult. Think Senior Citizens end of life. PG 425 Lines 17-19 Government will instruct & consult regarding living wills, durable powers of atty. Mandatory! PG425 L22-25, 426 L1-3 Government provides approved list of end of life resources, guiding you in death. PG 427 Lines 15-24 Government mandates program for orders for end of life. The Government has a say in how your life ends. PG 429 Lines 1-9 An "advance care planning consultant" will be used frequently as patients health deteriorates. PG 429 Lines 10-12 "advance care consultation" may include an ORDER for end of life plans. AN ORDER from Government. PG 429 Lines 13-25 The Government will specify which Doctors can write an end of life order. Logan's Run anyone? PG 430 Lines 11-15 The Government will decide what level of treatment you will have at end of life. PG 432 Lines 18-21 The Government will publish "quality measures" for individual's end of life in Federal Register. PG 434 Section 1234 Military Active, Reservists, Families - If you're not enrolled in Tricare it is mandated. PG 434 Section 1234 Military Active, Reservists, Families - Once HealthCare bill is passed your premiums will go up. PG 438 Section 1236 The Government will develop a patient decision making aid program that you & Dr. WILL use. PG 443 Lines 7-24 Government at taxpayers' expense test out an "Accountable Care Org" program (Government doesn't have plan.) PG 444 Lines 1-6 Government's Accountable Care Program will mandate services & infrastructure thru reward/penalty system. PG 448 Lines 4-17 Government will set performance targets for ALL Accountable Care Organizations including private. PG 455 Lines 3-4 Government exempts itself from Chapter 35, Title 44 Paperwork Reduction & Citizens Privacy Protection Act PG 460 Section 1302 Knock Knock - It's the Government and I'm here with the Medical Home Program - YOUR home. PG 460 Section 1302 The Government WILL provide medical services in your home. Paging Nurse Pelosi!! PG 464 Lines 17-22 Independent Patient Center Home Medical Services - Drs. don't have to be at your home just someone directed by Dr. PG 469 Community Based Home Medical Services=Non profit organizations. Hello, ACORN Medical Services here!!? Page 472 Lines 14-17 PAYMENT TO COMMUNITY-BASED Organization - 1 monthly payment to a community-based organization Like ACORN? PG 476 19-20 Chapter 35/ title 44, (Privacy of personal records) shall not apply Home Medical Services. ACORN ACCESS PG 489 Section 1308 Government will cover Marriage & Family therapy. Which means they will insert Govt into your marriage. PG 494-498 Government will cover Mental Health Services including defining, creating, rationing those services. PG 502 Section 1181 Center for Comparative Effectiveness Research Established. - Hello Big Brother - Literally. PG 502 Line 5-18 Government builds the "Center" to conduct, support, & synthesize research to define our HealthCare Services. PG 503 Line 13-19 Government will build registries and data networks from YOUR electronic medical records. PG 503 Line 21-25 Government may secure data directly from any department or agency of the US including your data. PG 504 Line 6-10 The "Center" will collect data both published & unpublished (that means public & your private info) PG 506 Line 19-21 The Center will recommend policies that would allow for public access of data PG 518 Line 21-25 The Commission will have input from HealthCare consumer reps - Can you say unions & ACORN? PG 524 18-22 Comparative Effectiveness Research Trust Fund set up. More taxes for ALL. PG 525-620 deals with the Government taking over nursing homes, long-term care facilities (think assisted living) through regulations of the facilities, the owners of the facilities, the employees of the facilities and even the land owners of property that the facilities reside on. Additionally as you read these 90+ pages you can come to the conclusion that any health related svcs will be determined and rationed by the Govt for our senior citizens and others in nursing homes. This one provision alone should do enough to raise awareness of the control the Govt is exerting over the older population of American citizens. PG 620 Line 1-9 The Government will define, prioritize, and nationalize your Health Care Services. PG 621 Lines 20-25 Government will define what Quality means in HealthCare. Since when does Government know about quality? PG 622 Lines 2-9 To pay for the quality Standards Government will transfer $$ from to other Government Trust Funds. More Taxes. PG 624 "Quality" measures shall be designed to assess outcomes & functional status of patients. PG 628 Section 1443 Government will give "Multi-Stake Holders" Pre-Rule Making input into Selection of "Quality" Measures. PG 630 9-24/631 1-9 Those Multi-stake holder groups including Unions & groups like ACORN deciding HealthCare quality. PG 632 Lines 14-25 The Government may implement any "Quality measure" of HealthCare Services as they see fit. PG 633 14-25/ 634 1-9 The Secretary may issue non-endorsed "Quality Measures" for Physician Services & Dialysis Services. PG 635 - 653 Physicians Payments Sunshine Provision - Government wants to shine sunlight on Docs but not Government. PG 654-659 Public Reporting on Health Care-Associated Infections - Looks okay. PG 660-671 Doctors in Residency - Government will tell you where your residency will be, thus where you'll live. PG 676-686 Government will regulate hospitals in EVERY aspect of residency programs, including teaching hospitals. PG 686-700 Increased Funding to Fight Waste, Fraud, and Abuse. You mean the Government with an $18 mil website? PGs 701-704 Section 1619 If your part of HealthCare plan that isn't in Government HealthCare Exchange but you qualify for Federal aid, no payment. PG 705-709 SEC. 1128 If Secretary gets complaints (ACORN) on HealthCare provider or supplier, Government can do background check. PG 711 Lines 8-14 The Secretary has broad powers to deny HealthCare providers/suppliers admittance into HealthCare Exchange. Pg 719-720 Section 1637 ANY Doctor who orders durable medical equipment or home medical services MUST be enrolled in Medicare. PG 722 Section 1639 Government Mandates Doctors must have face-to-face with patient to certify patient for Home Health Services. PG 724 Lines 16-22 Government reserves right to apply face-to-face certification for patient to ANY other HealthCare service. PG 724 23-25 PG 725 1-5 The same Government certifications will apply to Medicaid & CHIP (your kids) Pg 735 lines 16-25 For law enforcement purposes, the Secretary of Health & Human Services will give Attorney General access to ALL data. PG 740-757 Government sets guidelines for subsidizing the uninsured (That's your tax dollars folks) Pg 757-762 Fed Government will shift burden of payments to Disproportionate Share Hospitals (DSH) to States. (Taxes) Page 763 1-8 No DS/EA hospitals will be paid unless they provide services without regard to national origin Pg 765 Section 1711 Government will require Preventative Services including vaccines. (Choice?) Pg 768 Section 1713 Government - Nurse Home Visitation Services (Hello union paybacks) Pg 769 3-5 Nurse Home Visit Services - "increasing birth intervals between pregnancies." Government Abortions anyone? Pg 769 11-14 Nurse Home Visit Services include-economic self-sufficiency, employment advancement, school-readiness. Pg 770 SEC 1714 Federal Government mandates eligibility for State Family Planning Services. IOW, abortion. Pg 789-797 Government will set & mandate drug prices, controlling which drugs will be brought to market. Bye innovation Pgs 797-800 SEC. 1744 PAYMENTS for grad medical education. The government will now control Drs education. PG 801 Sec 1751 The Government will decide which Health care conditions will be paid. Say RATION! Pg 810 SEC. 1759. Billing Agents, clearinghouses, etc. required to register. Government takes over private payment system. Page 820-824 Sec 1801 Government will identify individuals ineligible for subsidies. Will access all personal finances. Pg 824-829 SEC. 1802. Government Sets up Comparative Effectiveness Research Trust Fund. Another tax black hole. PG 829-833 Government will impose a fee on ALL private health insurance plans including self insured to pay for Trust Fund! PG 835 11-13 Fees imposed by Government for Trust Fund shall be treated as if they were taxes. Pg 838-840 Government will design & implement Home Visitation Program for families with young kids & families expecting kids. PG 844-845 This Home Visitation Program includes Government coming into your house & telling you how to parent!!! Pg 859 Government will establish a Public Health Fund at a cost of $88,800,000,000. Yes that's Billion. Pg 865 The Government will MANDATE the establishment of a National Health Service Corps. PG 865 to 876 The NHS Corps is a program where Drs. perform mandatory HealthCare for 2 years for part loan repayment. PG 876-892 The Government takes over the education of our medical students and Drs. PG 898 The Government will establish a Public Health Workforce Corps. to ensure supply of public health professionals. PG 898 The Public health workforce corps shall consist of officers of Regular & Reserve Corps of Service. PG 898 The Public health workforce corps shall consist of civilian employees of the U.S. as Secretary deems. PG 900 The Public Health Workforce Corps includes veterinarians. PG 901 The Public Health Workforce Corps WILL include commissioned Regular & Reserve Officers. HealthCare Draft? PG 910 The Government will develop, build & run Public Health Training Centers. PG 913-914 Government starts a HealthCare affirmative action program thru guise of diversity scholarships. PG 915 SEC. 2251. Government MANDATES cultural & linguistic competency training for HealthCare professionals. Pg 932 The Government will establish Preventative & Wellness Trust fund - initial cost of $30,800,000,000-Billion. PG 935 21-22 Government will identify specific goals & objectives for prevention & wellness activities. Control You!! PG 936 Government will develop "Healthy People & National Public Health Performance Standards" Tell me what to eat? PG 942 Lines 22-25 More Government? Offices of Surgeon General -Public Health Services, Minority Health, Women's Health PG 950- 980 BIG Government core public health infrastructure includes workforce capacity, lab systems; health information systems, etc PG 993 Government will establish school based health clinics. Your kids won't have a chance. PG 994 School Based Health Clinic will be integrated into the school environment. Say Government Brainwash! PG 1001 The Government will establish a National Medical Device Registry. Will you be tracked? PG 1003 9-11 National Medical Dev Reg ‘‘(iii) other post-market device surveillance activities" you WILL be tracked. PG 1018 States give up State Sovereignty.
|
|
| | | 218 | Boldwin
ID: 376192015 Thu, Jul 30, 2009, 14:35
|
I personally guarantee provision 152 b will end up insisting that applicants not be asked to prove their citizenship/legal residency.
|
|
| | | 219 | Boldwin
ID: 376192015 Thu, Jul 30, 2009, 14:45
|
(b) IMPLEMENTATION.—To implement the requirement set forth in subsection (a), the Secretary of Health and Human Services shall, not later than 18 months after the date of the enactment of this Act, promulgate such regulations as are necessary or appropriate to insure that all health care and related services (including insurance coverage and public health activities) covered by this Act are provided (whether directly or through contractual, 11censing, or other arrangements) without regard to personal characteristics extraneous to the provision of high quality health care or related services. That will for sure prevent an insurer from even asking if the applicant is an illegal alien. For sure.
No it is no accident that dems voted straight party line against preventing illegals from taking advantage of the system.
And who is going to penalize them for lying about it?
|
|
| | | 220 | sarge33rd
ID: 17681812 Thu, Jul 30, 2009, 15:33
|
PG 22 Mandates the Government will audit books of ALL EMPLOYERS that self insure!
You seem to genuiinely dread this one. Why? Do you want 'us' to take your word that the monies to pay claims are there?
I have to wonder, where the country would be right now, had Wall Street firms/banks undergone a few DOZEN more stringent audits ea over the past dz or so years?
|
|
| | | 221 | Perm Dude
ID: 154552311 Thu, Jul 30, 2009, 15:37
|
His fact-free fears are there for all to see, sarge.
How many of these did you look up yourself, Boldwin? Any?
|
|
| | | 222 | Tree
ID: 41371322 Thu, Jul 30, 2009, 15:44
|
wait. research? when was the last time Baldwin seriously did research???
heck, when was the last time he did something that wasn't a c-and-p job.
|
|
| | | 223 | Boldwin
ID: 376192015 Thu, Jul 30, 2009, 16:10
|
Actually I have been going thru such a disasterous economic stretch that you all will be footing the bill for most of my insurance.
I'd thank you all in advance but living in a socialist country is no privilege. It just means that there is no hope of rising out of poverty and guarantees that virtually everyone will be in poverty.
|
|
| | | 224 | Perm Dude
ID: 154552311 Thu, Jul 30, 2009, 16:16
|
I guess if we ever get into living in a "socialist" country I'll keep that in mind.
In the meantime, you're welcome. The fact that our country doesn't throw people away when they lose work is, at its heart, a Democratic virtue. I know this eats your heart out, but the social safety net has been weaved virtually alone by Democrats, over the strong objections (and scissors) of the GOP.
I really am sorry to hear of your troubles (truly).
|
|
| | | 225 | sarge33rd
ID: 17681812 Thu, Jul 30, 2009, 16:21
|
Actually I have been going thru such a disastrous economic stretch that you all will be footing the bill for most of my insurance.
I'm right there beside you Boldwin. And like PD said, I'm truly saddened that others are sharing in my predicament.
|
|
| | | 226 | Boldwin
ID: 376192015 Thu, Jul 30, 2009, 16:25
|
I'd be a retired millionaire right now if not for paying for your safety net.
|
|
| | | 227 | Boldwin
ID: 376192015 Thu, Jul 30, 2009, 16:26
|
So don't expect any gratitude down at the soup kitchen.
|
|
| | | 228 | Perm Dude
ID: 154552311 Thu, Jul 30, 2009, 16:33
|
You wouldn't want to live in such a country where you can retire a "millionaire" while the rest of the country has no unemployment insurance, no food stamps, no nothin'.
I realize that you are the kind of Christian who sometimes measures himself based upon how much money is in the bank account rather than how many people you lead to Christ through generous help of those in need. But most Christians don't feel that way.
|
|
| | | 229 | sarge33rd
ID: 17681812 Thu, Jul 30, 2009, 16:34
|
Boldwin, other than injuries resulting directly from military service, and paid for BY the military....I've not had 10k in medical expenses in my adult life. So no, MY safety net; hasn't set you back one single dime.
|
|
| | | 230 | Perm Dude
ID: 154552311 Thu, Jul 30, 2009, 16:44
|
Gail Collins and David Brooks discuss a single-payer system
Politically singer payer is simply not so-able. Ethically, however, (and financially) it is very much work looking at.
Brooks, in looking at the public option of the current plan, is dead right:
I’m not crazy about the public plan. I dislike the idea of the government competing in a marketplace it regulates. I think the temptation to subsidize the public entity will be overwhelming. But I’m not vociferously against it either. That’s because:
A.) I’m not that thrilled with the insurance companies.
B.) I think it will save money, but not that much (the C.B.O. agrees).
C.) (!) I think it will produce small administrative efficiencies.
The part of the current plan with the biggest ability to drive down costs is the public option.
|
|
| | | 231 | Pancho Villa
ID: 52649309 Thu, Jul 30, 2009, 16:50
|
it is no accident that dems voted straight party line against preventing illegals from taking advantage of the system.
And who is going to penalize them for lying about it?
Don't know who you're trying to fool, but my congressman did not vote straight line.
Health reform has a heartbeat in the House again after conservative Democrats struck a deal with party leaders Wednesday that would lower costs and ease requirements on small businesses.
But Rep. Jim Matheson, D-Utah, remains unsatisfied and, unless more changes are adopted, he plans to buck his party and vote against the bill this week in the House Energy and Commerce Committee.
"My most significant concerns," Matheson said, "have not been addressed by the deal."
His list of objections is similar to many Republican concerns. He said the proposal gives the federal government too much power and does too little to reform medical-malpractice claims.
Is your list in #217 inclusive of the new compromises? Regardless, the bill is one sent out of committee, and is subject to debate in the entire house, plus it must be combined with the Senate version.
I fully understand some of the objections(as does my Democratic congressman), but your presentation of doomsday scenarios, as with many issues, doesn't help advance your cause or even clarify what your cause is.
|
|
| | | 232 | Boldwin
ID: 376192015 Thu, Jul 30, 2009, 16:51
|
Yes, your safety net, the unaffordable one you insisted upon, the one your politicians broke into to buy votes with, that one broke this country and stole everone's opportunity.
|
|
| | | 233 | Perm Dude
ID: 154552311 Thu, Jul 30, 2009, 16:52
|
We're broken?
PV's right: You're on a doomsday kick.
|
|
| | | 234 | Boldwin
ID: 376192015 Thu, Jul 30, 2009, 16:55
|
PV
While I dearly love the blue dogs for not allowing themselves to be choked blue yet, however sooner or later they will cave. That is why they are called blue dogs, and no longer yellow ones.
In this case the fact that the House and Senate versions have to be reconciled offers no paliative. That is where the uber-liberal majority of your party will take back the compromises they gave away to get a bill passed.
|
|
| | | 235 | Boldwin
ID: 376192015 Thu, Jul 30, 2009, 18:02
|
I realize that you are the kind of Christian who sometimes measures himself based upon how much money is in the bank account rather than how many people you lead to Christ through generous help of those in need. - PD
Craziest thing you've ever said.
We do not believe God makes christian's paths broad and spacious as that is the way leading off to destruction. Further a true christians way was predicted to be a narrow and cramped path with one on it barely able to make his way and only with God's help. We are not in the 'tithe to our mega-church and God will make you rich' camp.
Further of the last week, Saturday morning, Sunday morning, Monday morning and afternoon, Tuesday morning I was out knocking on doors giving of my time to lead others to Christ and into the figurative ark to survive armageddon and I don't need any lectures from you about concern for others or exhortations to be more involved leading others to Christ, thank you very much.
|
|
| | | 236 | Tree
ID: 41371322 Thu, Jul 30, 2009, 18:22
|
I wonder if when you're knocking on doors, you explain to the people you speak to that it is perfectly acceptable to berate other people, call them morons and idiots, falsely allude to people being terrorists, and preaching hate about those who believe differently than you.
I'd be a retired millionaire right now if not for paying for your safety net.
i like how you blame others for your own shortcomings. A million dollars is not a lot of money, although i like how you prefer to use it as a measuring stick.
my parents have worked hard their whole lives. my dad turns 67 this year, and still works. my step mom just turned 64.
prior to the stock market crash, they were worth over a million dollars, because they'd scrimped, saved, and worked toward their eventual retirement, which to them, comes not at any age, but instead, when they feel they are too old to work.
Sounds to me like you just don't know how to handle money, Baldwin.
|
|
| | | 237 | Perm Dude
ID: 154552311 Thu, Jul 30, 2009, 18:42
|
I hope you were telling people that you want to keep all your money for your retirement rather than spend a dime on social services for others in need, Baldwin.
|
|
| | | 238 | Boldwin
ID: 376192015 Thu, Jul 30, 2009, 19:30
|
You'd be surprised how little people who believe in an imminent armageddon spend dwelling on their retirement bankroll.
|
|
| | | 239 | tree on the treo
ID: 515451613 Thu, Jul 30, 2009, 20:00
|
not surprised at all baldwin...people who are foolish tend to be foolish all around...
|
|
| | | 240 | Boldwin
ID: 376192015 Thu, Jul 30, 2009, 20:07
|
Well I'm either too focussed on wealth or not focussed enuff on wealth. You two marxist cheerleaders put your wee heads together and get your jeering straight.
|
|
| | | 241 | Perm Dude
ID: 154552311 Thu, Jul 30, 2009, 20:11
|
My point is that you don't have yours straight, Baldwin. You whine about the social net keeping you from retiring a "millionaire" (your word). Yet you claim that you don't worry about retirement.
Sounds like you are following two masters.
|
|
| | | 242 | Valkyrie Dude
ID: 47042413 Thu, Jul 30, 2009, 22:35
|
I have very mixed feelings about health care reform- I do agree with the President that we must do something about the costs before it destroys our economy and I would also like to spread coverage to everyone however: (1) I do not believe we can obtain significant cost savings w/o a public option (actually w/o nationaluzing all health care) (2) If we do nationalize we will then end up rationing healthcare and the quality will inevitably decline a la Canada, the UK, most of Europe etc. (3) Extending healthcare to all is expensive even if nationalized - if the American people want it I believe it should be seperately funded via something like a national sales tax (5% as a guess) and knowing the cost we should all vote on whether we really want to pay this much to have it? (4) Does anyone have any idea how we save $500B in Medicare costs by extending Medicare type coverage to 30 million more people as O'Bama claims? (5) My suggestion to control costs is much more modest- exempt doctors, hospitals and the pharmaceutical companies from malpractice lawsuits- for drs and hospitals compensate victims in a workmans comp type sysytem and revoke licenses of drs and hospitals for repeated negligence abuses, For the pharmas, have all new drugs carry a warning that they are experimental-and have the patients assume the risks if the drugs haven't been proven. neither doctors nor pharmaceutical companies can make any money if they are consistently negligent or their drugs harm people. However both are professionals so treat them as such. (6) Finally my least pallatable suggestion is that we need to cut off extraordinary care for our older population at some age- perhaps 70 or 75. No one wants to do this but economically we simply can't afford to continue to cover everyone forever especially at an age where we get diminishing returns in terms of longevity and quality of life. None of the above is terribly appetizing alternatives however the time where we can expect our major industries to cover employees health care through retirement has long passed us by and the cost of our current health care is just too high for us to afford as a society.
|
|
| | | 243 | astade Sustainer
ID: 214361313 Fri, Jul 31, 2009, 00:33
|
Valkyrie, thanks for the great post. I disagree with you on your last 2 points. 5) I think the ability to cite malpractice is important. I realize it can be abused but it is an important part of the 'checks and balances'. Drugs should not be pushed by Pharma & Doctors when the risks are still in play. Basically, the threat of malpractice keeps them honest vice rushing drugs to market (sidebar: I used to work with the Pharma industry and I'm glad they had to jump through hurdles before drugs were brought to market...I have seen the side effects of the wrong drug on the wrong patient in clinical trials). 6) Pragmatically, I can see where you are coming from, but we need to look at this from a historical regard. People are living longer. There are many people that are in there 70's that live life like people decades younger live life. Life expectancy with improved lifestyle and drugs are pushing out the tail end. We can't sign off on their decease because of prior generations. We need to adapt and understand that the spectrum of life has changed.I wish I could offer up counters to your statements, but I can't. Nevertheless, I appreciate that you threw out alternatives.
|
|
| | | 244 | biliruben Leader
ID: 589301110 Fri, Jul 31, 2009, 09:44
|
Medical malpractice is a red haring. The malpractice awards haven't gone up appreciably in 20 years. Though that doesn't mean the insurance companies don't charge more for insurance.
Back when I had time to research such things, I had a lengthy back and forth with Madman on this issue, here.
|
|
| | | 245 | bibA
ID: 18623297 Fri, Jul 31, 2009, 10:47
|
It is so nice to see such a well thought out post with actual ideas, rather than just making arguements against various points.
Liked it all until I got to (6). Seeing as how I will be within that age group in the near future, I had to wonder. It almost sounds like anyone over 70 would be looked upon as almost expendable, not worth the effort to keep around.
I have good insurance at the present, and am hopeful that I will still have it to depend on for a couple more decades. Would a proponent of (6) feel that I didn't deserve good coverage and treatment any longer?
|
|
| | | 246 | Boldwin
ID: 376192015 Fri, Jul 31, 2009, 12:24
|
Even if they don't think you are 'Life-not-worth-living' [historical reference for those few who know anything about history] maybe you should still just take a painkiller and go off and die somewhere.
Obama's own words right out of his own mouth in front of your own lying eyes and ears.
|
|
| | | 247 | Perm Dude
ID: 154552311 Fri, Jul 31, 2009, 12:34
|
He didn't say anything like that, Baldwin. He was talking about giving doctors (and patients) options. In fact, he didn't answer the question you think he answered as "take a pill and die" at all.
Once again you get it exactly backwards, and argue that Obama's plan will bring about what is currently going on.
Already the system is stacked against the elderly--the one that already discourages pacemakers in older folks. While you rant about the possibility of rationing care, rationing already is going on in the system we have.
|
|
| | | 248 | Tree
ID: 41371322 Fri, Jul 31, 2009, 12:55
|
What Obama says: "Let's eliminate from the system what doesn't work, and with it, money we're wasting. Instead, perhaps option B is better than Option A, both in terms of extending your life and well-being, and in saving money."
What Baldwin hears: "Lets kill people, and not give them any options in treatment. Let's give them all a suicide pill, so they can die."
I really wish i could program one of those translator things on the internet, that translate common speech into Klingon or Jive or whatever, and do it for Baldwin.
Reading a Baldwin post is often like stopping to listen to one of those loons who rants on the subway or in Times Square..
|
|
| | | 249 | Perm Dude
ID: 154552311 Fri, Jul 31, 2009, 13:02
|
You think Baldwin is really the Naked Cowboy?
|
|
| | | 250 | sarge33rd
ID: 17681812 Fri, Jul 31, 2009, 13:15
|
Obama's own words right out of his own mouth in front of your own lying eyes and ears.
Not what he said, so it's not "his own words"
Since it isn't "his own words", it's not "out of his own mouth"
Since you lied on those two points, tell me whose eyes/ears are lying to whom?
|
|
| | | 251 | sarge33rd
ID: 17681812 Fri, Jul 31, 2009, 13:16
|
btw Boldy, FTR...just because you are paranoid; that doesn't mean "we" are NOT out to get you.
|
|
| | | 252 | Tree
ID: 41371322 Fri, Jul 31, 2009, 13:17
|
You think Baldwin is really the Naked Cowboy?
no. the naked cowboy sometimes has a lick of sense...
|
|
| | | 253 | biliruben
ID: 461142511 Fri, Jul 31, 2009, 15:12
|
There have been a number of studies recently comparing communities in the US, to determine why some communities are better able to provide better care and a lower cost.
It's a complicated story obviously, but over and over the communities that had a lasting legacy of not-for-profit care with a holistic approach did a better job than communities where the major provider of care was for-profit. They were far too focused on their bottom line, rather than trying to get or keep a patient healthy.
And interestingly, a provider's obsession with their own bottom line pushed up the actual cost of care substantially. Just not the cost to them.
These scream out what I have been saying. It is not possible to provide health care using a strictly market-based system. Anyone who sincerely thinks it is, doesn't understand the health care delivery system in the country.
|
|
| | | 254 | boikin
ID: 532592112 Fri, Jul 31, 2009, 15:20
|
do you have link?
|
|
| | | 255 | Boldwin
ID: 376192015 Fri, Jul 31, 2009, 16:05
|
The lady asked if Obama's plan would have given her mother a pacemaker and he said it would be better if some people were just given a painkiller and sent away.
Since there will be nowhere else to turn, that will be the death sentence for that woman.
The woman got the pacemaker and lived in the current system.
The woman will be denied the pacemaker in Obama's world.
That is the truth. How you can interpret that any other way is just wishful thinking. You can't even believe just how outrageous he is when he comes right out and tells you outspokenly.
|
|
| | | 256 | Perm Dude
ID: 154552311 Fri, Jul 31, 2009, 16:10
|
No, he didn't say that at all. In fact, he never really answered her question.
You, helpfully, filled in where he didn't answer. But that doesn't mean he said what you believed him to say.
|
|
| | | 257 | biliruben
ID: 461142511 Fri, Jul 31, 2009, 16:15
|
These are academic policy papers the results of which I get from colleagues who follow policy more closely than me. If you are really interested, and have access to health care policy journals, I will be happy to get some references for you.
|
|
| | | 258 | boikin
ID: 532592112 Fri, Jul 31, 2009, 16:17
|
If you get a chance i will take a reference or two.
|
|
| | | 259 | biliruben
ID: 461142511 Fri, Jul 31, 2009, 16:26
|
I'll dig some up.
|
|
| | | 260 | Tree
ID: 41371322 Fri, Jul 31, 2009, 16:39
|
The lady asked if Obama's plan would have given her mother a pacemaker and he said it would be better if some people were just given a painkiller and sent away.
to a certain extent he said that. but it was clear and obvious to anyone with common sense he wasn't talking specifically about that woman's case.
way to take more things out of context - or, in your case, lie.
|
|
| | | 261 | Valkyrie Dude
ID: 47042413 Fri, Jul 31, 2009, 17:42
|
Thanks to everyone who replied to my suggestions- As to #6 I don't like it- no one does- but the fact is we are living longer and it is costing us much much more to keep us living longer- and we really can't afford it. It's also a large part of the medical care that other nationalized health care countries do not provide- albeit under the guise of waiting lists where older patients never get to the top of the list. No one likes restricting care but it is an economic fact of life which we are going to have to face somehow regardless of what direction our health care takes. You could try to ration care on a quality of life basis however that really is far too subjective for me and the only alternative appears to be some age limit somewhere. By the way I too am approaching the age limits so I am not speaking as one of the invincible young As for #5- medical malpractice- As applied to the doctors I would much rather have a system which would remove the butchers from practice than one as now which continues to let them practice "merely" compensating their victims with insurance proceeds that we all pay for. I choose to believe that most doctors are dedicated professionals doing the best they can and who really care about their patients well being-maybe I am naive- maybe I just have good doctors- maybe I just have old doctors who went to med school back when the best and the brightest became doctors and most were Americans?? As far as the pharmss go- the cost of the testing and approval process is enormous- and we all pay for it. Personnally I would rather have the choice of paying 50% less for my new medicines and assuming some of the testing risks or paying 50% less for my old tried and true medicines and foregoing the less tested new stuff than our current choice of paying more for the old stuff and having to wait years before we can even pay 100% more for the new stuff. Yes I am probably better able to evaluate the new medicines because I have better doctors and better access to research than most but the fact remains we as a society can not afford to continue along under the status quo- Somehow we need to cut costs- hopefully w/o destroying the quality of our health care system in the process.
|
|
| | | 262 | Boldwin
ID: 376192015 Sat, Aug 01, 2009, 04:33
|
The lady was pleading for a guarantee that obama pointedly refused to give, and emphatically defended the contrary position.
Short of him personally whipping out a knife and attacking her mother, I don't know how I could have provided a stronger proof.
|
|
| | | 263 | Tree
ID: 41371322 Sat, Aug 01, 2009, 11:26
|
I don't know how I could have provided a stronger proof
by taking the entire context of something that actually proves your point, and not just pulling out of it whatever tidbit could support your argument, but only when taking OUT of context, maybe?
|
|
| | | 264 | Perm Dude
ID: 154552311 Sat, Aug 01, 2009, 11:27
|
The lady was pleading for a guarantee that obama pointedly refused to give
My point exactly. He dodged answering the question directly.
|
|
| | | 265 | rfs
ID: 52745120 Sat, Aug 01, 2009, 21:45
|
Proposal Anyone receiving government paid helthcare (medicaid medicare or obamacare) should have to have 1 or 2 preventative health visits per year as a condirion of paid coverage.
Discuss
|
|
| | | 266 | DWetzel
ID: 33337117 Sat, Aug 01, 2009, 22:28
|
I'd say 1 is sufficient, but I think it's a good idea in principle.
Concerns would be re: payment being sufficient to keep enough doctors incentivized to perform said checkups, and making sure that there is a way to make sure that people in all areas (including rural areas where it's tough to get to a doctor) have decent enough access--but in principle I'm all for it.
|
|
| | | 267 | Boldwin
ID: 376192015 Sun, Aug 02, 2009, 07:53
|
I choose to believe that most doctors are dedicated professionals doing the best they can and who really care about their patients well being - Valk I believe that also, however that saving grace will no longer contribute one iota to your healthcare under Obama's government controlled medicine.
Doctors of extraodinary skills will be prevented from excersizing them because we can't be wasting government resources on heroic measures of any sort. And they won't be allowed to practice those extra skills outside the system either. A doctor will not be allowed to give that 100 yr old a pacemaker for any price.
Doctors will be forced to allow pwople to die who they know they could easily save.
Doctors of conscience will be ordered to perform abortions or be banished from practicing medicine.
A former Colorado governor was infamous for announcing that the elderly had a duty to die. Obama care will enforce that.237 Perm Dude ID: 154552311 Thu, Jul 30, 2009, 18:42 I hope you were telling people that you want to keep all your money for your retirement rather than spend a dime on social services for others in need, Baldwin. 238 Boldwin ID: 376192015 Thu, Jul 30, 2009, 19:30 You'd be surprised how little people who believe in an imminent armageddon spend dwelling on their retirement bankroll. 239 tree on the treo ID: 515451613 Thu, Jul 30, 2009, 20:00 not surprised at all baldwin...people who are foolish tend to be foolish all around... 240 Boldwin ID: 376192015 Thu, Jul 30, 2009, 20:07 Well I'm either too focussed on wealth or not focussed enuff on wealth. You two marxist cheerleaders put your wee heads together and get your jeering straight. 241 Perm Dude ID: 154552311 Thu, Jul 30, 2009, 20:11 My point is that you don't have yours straight, Baldwin. You whine about the social net keeping you from retiring a "millionaire" (your word). Yet you claim that you don't worry about retirement.
Sounds like you are following two masters. Jewish history lesson for Tree [with priorities lesson for PD]
Once there was a Jewish teacher named Gamaliel who was so highly esteemed that he was the first man for whom a new title higher than rabbi, namely rabban was invented.
Concerning him the Mishnah (Sotah 9:15) says [still mourning 200 years later over the loss his death represented]: “When Rabban Gamaliel the Elder died, the glory of the Law ceased and purity and abstinence died.”
Now it happened that Gamaliel had a certain disciple or student named Saul. Certainly upon Gamaliel's death this student would have been set for life financially. Back then religion/law teachers made a great deal of money. This man Saul's ticket was punched. An education orders of magnitude greater than a Harvard education would be considered today. When Gamaliel died they could at least consult his protege Saul.
Funny thing happened on the way to fortune and fame.
Saul became a Christian and went on to write the majority of the Christian Greek scriptures, and here is what he had to say about wealth and turning his back on fortune as a priority...7 Yet what things were gains to me, these I have considered loss on account of the Christ. 8 Why, for that matter, I do indeed also consider all things to be loss on account of the excelling value of the knowledge of Christ Jesus my Lord. On account of him I have taken the loss of all things and I consider them as a lot of refuse, that I may gain Christ 9 and be found in union with him... Tree: It is not foolishness as you consider foolishness, to put a higher value on spirituality than material security.
|
|
| | | 268 | Mith Dude
ID: 01629107 Sun, Aug 02, 2009, 09:32
|
If only American Christianity accepted that lesson of Saul.
Here our most ardent capitalists are largely our most ardent Christians - except for when Christianity gets in the way of capitalism, a financial system built to exploit several basic human traits, greed being chief among them.
|
|
| | | 269 | Perm Dude
ID: 154552311 Sun, Aug 02, 2009, 10:49
|
Boldwin's empty assertions about his clumsy backtracking about his retirement nest egg simply offers no new reasons for the vacuous claim that Obama's plan encourages the elderly to just die.
|
|
| | | 270 | Madman
ID: 20131721 Sun, Aug 02, 2009, 11:12
|
Frick 195 -- "Most self-insured companies are audited already."
a) Do you know any companies that have gone through a COBRA audit? I think they are fairly rare. I am trying to find examples, since I occassionally do "Applicable Premium" certifications. Typical accounting audits of group reserves is exceedingly weak, in my personal opinion, from an actuarial soundness point of view. Although some firms require actuarial certification, it isn't required by law or by SSAP 5.
b) IMO, ERISA is one of the great weaknesses in our current "insurance" system. Most of the anecdotal stories used by Democrats in the past campaign weren't about insured patients, they were about ERISA-protected groups. The Sarkinsky/Cigna case, for example. The St. Joseph case in Moore's movie, etc.
c) My interpretation of Sec. 113(b)(1) is different than Boldwin's. My interpretation is that the House knows that HR3200 will gut whatever remains of traditional group health insurance. 113-b-1 shows what their solution is: issue a study to see how HR3200 wreaks havoc with group insurance, and issue a study and recommendations by 7/1/2015 for how to fix it.
The date is important, because the final unravelling of group insurance isn't scheduled in the bill until 1/1/2018, when all non-ERISA employers have to become fully compliant with the rating rules for Qualified Health Benefit Plans. Therefore, the Congress in power in 2015-2016 will have to "fix" the problem, which will most likely be to either end the Exchange altogether or end ERISA-preemption. They aren't compatible, because ERISA-preemption will let groups "select" against the Exchange.
|
|
| | | 271 | Pancho Villa
ID: 34737210 Sun, Aug 02, 2009, 11:38
|
Doctors of extraodinary skills will be prevented from excersizing them because we can't be wasting government resources on heroic measures of any sort. And they won't be allowed to practice those extra skills outside the system either. A doctor will not be allowed to give that 100 yr old a pacemaker for any price.
Doctors will be forced to allow pwople to die who they know they could easily save.
Doctors of conscience will be ordered to perform abortions or be banished from practicing medicine.
A former Colorado governor was infamous for announcing that the elderly had a duty to die. Obama care will enforce that.
I would normally reply that you're making things up. But,in this case, you're parroting your talking head heroes as they gleefully distort reality into dumbed down speculations based on rampant emotionalism. I suppose it's understandable, since Democrats have for decades used the same tactics by warning seniors that Republicans were committed to taking away their social security.
But these tactics do nothing to advance health care debates, which just happens to be the title of this thread. I fail to see any opportunity for debate when the primary motivation is demonization.
I think this forum is better served by the example set by Footwedge in #107, Valkyrie in #242 and Astade in #243, gurupies who rarely post here. I don't think Baldwin realizes that when he does make an informative and constructive post here, it's many times ignored or glossed over given his propensity to mimic the most rabid of right wing talking points. And that's a shame, because he's as solid a contributor as there is here when he puts his mind to it and when others allow him some breathing room instead of blanket dismissal.
I don't expect things to change, but I would prefer it if statements directed to me refrained from characterizations like That is where the uber-liberal majority of your party, since I've made it very clear over the years that I have no party affiliation, and most certainly not the Democrats.
|
|
| | | 272 | Tree
ID: 41371322 Sun, Aug 02, 2009, 11:55
|
Doctors will be forced to allow pwople to die who they know they could easily save.
Doctors of conscience will be ordered to perform abortions or be banished from practicing medicine.
A former Colorado governor was infamous for announcing that the elderly had a duty to die. Obama care will enforce that.
it's just so hard to read this stuff without seeing you shouting this in the subways, to people who don't care much for your insane outbursts.
Once there was a Jewish teacher named Gamaliel who was so highly esteemed that he was the first man for whom a new title higher than rabbi, namely rabban was invented.
feel free to take it out of context. Gamaliel was given this title for no more reason than he was beloved by the people, and was granted the title simply as an honor.
Tree: It is not foolishness as you consider foolishness, to put a higher value on spirituality than material security.
meanwhile, you talk about your disappointment in not being able to retire as a millionaire.
nice lesson you've learned, "Christian".
|
|
| | | 273 | DWetzel
ID: 33337117 Sun, Aug 02, 2009, 11:58
|
I expect to be lost by posts like 267.
I admit to being somewhat disappointed in myself that I'm somewhat lost by 270. Madman, I hope you take the time to elaborate.
|
|
| | | 274 | Madman
ID: 20131721 Sun, Aug 02, 2009, 14:22
|
DW -- it was hurried. Rephrasing.
The bulk of larger companies today aren't fully insured by Blue Cross/Aetna/Cigna/UHC/etc. They "self-insure", which is made legal by what is effectively a side-effect of something called ERISA. That means they are on the hook if one of their employees or their dependents get sick. Like the Sarkisyan girl (sorry I erroneous spelled the name in my last post). The insurer -- Cigna in that case -- is hired to make claim adjudication decisions (Cigna's doctors denied the claim) and to process claims, among other tasks. They are *not* hired to take responsibility for the actual claim payments themselves. Smart self-insured employers buy reinsurance, which protects them only against large claims. Employers strapped for cash may shirk on this, which isn't a good idea for anyone.
I don't have concrete evidence, but from what I have seen, I have not been impressed with our country's regulation of self-insured employers. This has two pieces: premium rates and reserves.
The premiums self-insured employers pay is, frequently in practice, largely self-determined. That means they can charge high rates and pocket the difference. Or charge high rates and brag about how much they are saving their workers by not passing those high rates on. Of course, sometimes they need to set high rates to absorb risk. The IRS does do "COBRA" premium audits from time to time, to make sure that your rates on COBRA participants aren't excessive; by extension, because COBRA rates are linked to the premiums charged employees via review of the calculations for the "Applicable Premium" this means, de facto, that they are auditing the premiums charged the group, as well. But I think these are rare.
Of even greater importance is the reserve that they need to set up so that they will be able to pay claims. An insufficient reserve means that there is danger that the money won't be there to pay claims.
Volatile reserve sets also result in volatile earning statements. This creates internal corporate pressure for stable reserve sets, which may not be actuarially appropriate. However, not all accounting audit firms require actuarially-set reserves, and they aren't required by law. Actuarially-set reserves would help dampen (but not eliminate) this unfortunate corporate pressure for stable earnings.
In a free market, many companies would buy insurance from a health insurance company to help smooth their earning statements. However, because real insurance is loaded down with mandated benefits and other complications via state regulation, almost all large employers find it preferrable to be "self-funded" by seeking refuge in ERISA ... which is effectively a federal safe haven to avoid the state regulations.
I personally find that a somewhat unfortunate evolution, but not all would agree.
Various provisions of HR3200 will put the final nail in the group insurance coffin, driving every viable company into self-funded arrangements. That's because fully-insured groups will be subjected to very severe rate regulation and product development, determined by the Exchange's Benefits Advisory Commission. Very few employers will want to be subject to that, unless they happen to have sick individuals they'd like to dump on the general population, either directly or indirectly.
I believe the House knows about this fundamental problem, but doesn't want to address it right now. So, they wrote Section 113 of HR 3200. Essentially, the big business lobby wants ERISA to continue, and wants to be able to hide from HR 3200 via ERISA. HR 3200 nominally allows for that, at least for awhile (I'm not entirely clear on whether an ERISA plan that doesn't meet the Qualified Health Benefit Plan (QHBP) rate-design standards will allow the individual employee to avoid the individual's punitive taxation burden, or whether they will have to seek alternative/additional coverage in the Exchange). Section 113 simply says that a commission will study the issue, and will report back in July, 2014 (or 2015, don't remember which). The ultimate decision date is put off until 2018, at which time the default is for all fully-insured groups to be fully QHBP compliant, leaving the ERISA question somewhat unanswered.
House Democrats have made their peace with that. From where I sit, Democrats in HR3200 have made fairly large gifts to Big Business, Big Pharma, and the AMA (although this is under assault by some). Left behind are state governors, the AHA, and AHIP. The goal is a divide and conquer strategy, I think. Get the Exchange going with a public plan. When cost pressures then hit, you turn around and hammer Business and Pharma, etc., because you are now the last game in town. Young consumers, healthy consumers, wealthier consumers get hit, others benefit. These effects also differ dramatically by state, since the Exchange will effectively pre-empt most state regulation.
Pharma's business model is going down the tubes, regardless, so they are happy with a few year grace period. The AMA and Business, in contrast, generally believe they will be able to win the future political battles over cost, and so are willing to sign on today. Just my take as someone a couple of stages removed from the battle. Sorry for length.
|
|
| | | 275 | Pancho Villa
ID: 34737210 Sun, Aug 02, 2009, 15:56
|
Sorry for length.
Don't be. Fascinating and educational.
|
|
| | | 276 | Boldwin
ID: 376192015 Sun, Aug 02, 2009, 19:09
|
Boldwin's empty assertions about his clumsy backtracking about his retirement nest egg... - PD
Nothing to backtrack on. Thru no extra effort on anyone's part, mine or the government's, I could be a millionaire now. Everyone my age could be if their retirement funds were only in indexes instead of having been squandered to buy votes for democrats. You don't have to be unduly concerned for wealth to be aghast at that wasteful stupidty.
simply offers no new reasons for the vacuous claim that Obama's plan encourages the elderly to just die. - PD
It used to be that no source was good enuff to prove a point to a liberal except their favorite few newspapers. Now posting a video of Obama saying it in his own words is insufficient to prove what he intends. At that point political debate in america becomes pointless and Orwellian.
|
|
| | | 277 | Boldwin
ID: 376192015 Sun, Aug 02, 2009, 19:16
|
Madman
Every now and then Tree tries to advance the notion that my terrible posting drove you out of the forum.
Care to comment?
|
|
| | | 278 | Perm Dude
ID: 154552311 Sun, Aug 02, 2009, 19:29
|
a video of Obama saying it in his own words
I think you just don't understand the whole point of what constitutes "proof." In order for Obama to be saying it, he has to, you know, say it. In the end (and the reason the GOP keeps getting trumped at the polls) twisting around (or taking out of context) words do not actually do what you hope they will do when they don't, in fact, reflect reality.
Obama says the exact opposite of what you say he is. This is not surprising that you do. What is surprising is that continue to assert that black is white, while blaming the rest of us for not nodding our heads in agreeing to debunked far right-wing scare points
|
|
| | | 279 | Madman
ID: 20131721 Sun, Aug 02, 2009, 19:43
|
No, Boldwin, you weren't the problem. Just got a much busier life. And now we've got two little ones.
The average quality of thread did decline making me lose some interest, but I was a part of that problem as much as anyone.
|
|
| | |
| | | 281 | Perm Dude
ID: 154552311 Sun, Aug 02, 2009, 20:24
|
This was linked to in 246, Wilmer, and has been discussed a bit since then.
|
|
| | | 282 | Boldwin
ID: 376192015 Mon, Aug 03, 2009, 19:34
|
PD
You are the posterboy for 'none-so-deaf-as-he-who-will-not-hear'.
If Obama is asked if he will promise to give granny a pacemaker, at least if she is lively...
...And he says people will have to be told to take a pain pill and go without treatment...
Then the only reasonable inference is that granny cannot count on a pacemaker no matter how amazingly spry she is for her age.
It is not a reasonable inference that Obama means granny and her daughter can rest easy knowing that Obamacare will give her a pacemaker. That does not follow.
It doesn't follow that Obama probably will give her a pacemeker.
It isn't even reasonable to assume Obama would like to. He offered no such encouragement whatsoever and he is the master of talking out of both sides of his mouth. It is very very telling that he didn't even offer her a figleaf of hope.
|
|
| | | 283 | biliruben
ID: 461142511 Mon, Aug 03, 2009, 20:04
|
Lately you have gotten very, very sloppy, and way too reliant on WND, Baldy.
Go watch the original, unedited version, Baldwin, and maybe you will feel a bit better. Who ever edited the video conveniently cut to Obama response in almost it's entirety.
OBAMA: Well, first of all, I want to meet your mom.
(LAUGHTER)
OBAMA: And I want to find out what's she's eating.
(LAUGHTER)
OBAMA: But, look, the first thing for all of us to understand is
that we actually have some -- some choices to make about how we want to
deal with our own end-of-life care.
And that's one of the things I think that we can all promote, and
this is not a big government program. This is something that each of us
individually can do, is to draft and sign a living will so that we're
very clear with our doctors about how we want to approach the end of life.
I don't think that we can make judgments based on peoples' spirit.
That would be a pretty subjective decision to be making. I think we
have to have rules that say that we are going to provide good, quality
care for all people.
GIBSON: But the money may not have been there for her pacemaker or
for your grandmother's hip replacement.
OBAMA: Well, and -- and that's absolutely true. And end-of-life
care is one of the most difficult sets of decisions that we're going to
have to make.
I don't want bureaucracies making those decisions, but understand
that those decisions are already being made in one way or another. If
they're not being made under Medicare and Medicaid, they're being made
by private insurers.
We don't always make those decisions explicitly. We often make
those decisions by just letting people run out of money or making the
deductibles so high or the out-of-pocket expenses so onerous that they
just can't afford the care.
And all we're suggesting -- and we're not going to solve every
difficult problem in terms of end-of-life care. A lot of that is going
to have to be, we as a culture and as a society starting to make better
decisions within our own families and for ourselves.
|
|
| | | 284 | Boldwin
ID: 376192015 Mon, Aug 03, 2009, 20:29
|
Oh, that's a comfort for you?
Her grandmother is happy and spry and not remotely in any end-of-life-situation.
The fact that he is bringing up living wills in this scenario should scare you straight if you had a lick of sense.
|
|
| | | 285 | Boldwin
ID: 376192015 Mon, Aug 03, 2009, 20:49
|
(and the reason the GOP keeps getting trumped at the polls) - PDMeanwhile, a Pew Research Center poll says there were "major declines" in Obama's job approval rating. Overall, his rating fell from 61 percent in June to 54 percent. On the economy, Obama lost 22 points, from 60 percent in April to 38 percent.
On health care, 42 percent approve of his work, down from 51 percent. But perhaps more telling, disapproval of his performance has risen 17 points, to 43 percent. I find your triumphalism more and more entertaining. I wonder how low you'll go.
Maybe when you get Rush and Lou Dobbs and every other media personality not walking the party line, kicked off the airwaves you can resume the triumphalism without amusing me.
|
|
| | | 286 | Wilmer McLean
ID: 37652917 Mon, Aug 03, 2009, 22:37
|
RE: 281
The video from the 246 link is different than my 280 post video on my computer.
280 video:
...
Obama, speaking at SEIU's New Leadership Health Care Forum on March 24, 2007, said, "My commitment is to make sure that we have universal healthcare for all Americans by the end of my first term as President."
...
"As I indicated before, I think that we're going to have to have some system where people can buy into a larger pool. Right now their pool typically is the employer, but there are other ways of doing it. I would like to -- I would hope that we could set up a system that allows those who can go through their employer to access a federal system or a state pool of some sort. But I don't think we're going to be able to eliminate employer coverage immediately. There's going to be potentially some transition process. I can envision a decade out or 15 years out or 20 years out where we've got a much more portable system. Employers still have the option of providing coverage, but many people may find that they get better coverage, or at least coverage that gives them more for health care dollars than they spend outside of their employer. And I think we've got to facilitate that and let individuals make that choice to transition out of employer coverage."
...
|
|
| | | 287 | Perm Dude
ID: 154552311 Mon, Aug 03, 2009, 22:44
|
#285: I notice you aren't linking to any GOP numbers. Hmmmm.
Rather than kicking anyone off the air (which is something I've never advocated, and saying otherwise is a lie), I've strongly encouraged the Dobbs, Limbaughs, and others of the far right to express their views loudly and long, to help the marketplace of ideas to peg exactly what they are saying, when they are saying it, and what they are offering to the American voter.
He offered no such encouragement whatsoever Really--you mean he refused, in public, to offer medical advice? Damn--what a socialist.
|
|
| | | 288 | Razor
ID: 0745321 Mon, Aug 03, 2009, 23:00
|
Oh, that's a comfort for you?
Her grandmother is happy and spry and not remotely in any end-of-life-situation.
The fact that he is bringing up living wills in this scenario should scare you straight if you had a lick of sense.
Kind of hear what you want to, no? Re-read the woman's question where she uses the phrases "the doctor said there's nothing I can do without...," "outside the medical criteria," "prolonging life for the elderly," and "quality of life." I wonder why he thought the question had something to do with end-of-life medical decisions.
|
|
| | | 289 | Boldwin
ID: 376192015 Tue, Aug 04, 2009, 00:37
|
In the free market you can just go to another doctor and get your pacemaker.
In socialized medicine no doctor can give you a pacemeker inside or outside the system for any price when the czar says you can't have it.
Really if there is any justice in the universe in the short-term, you guys are storing up a lotta grief for yourselves.
|
|
| | | 290 | Perm Dude
ID: 154552311 Tue, Aug 04, 2009, 00:39
|
There is no such thing as a free market health care system, Baldwin. Here, or anywhere in the world. What planet are you on? Seriously--have you never, ever dealt with these things called "insurance companies?"
|
|
| | | 291 | Boldwin
ID: 376192015 Tue, Aug 04, 2009, 00:46
|
Do you just have this invincible feeling that it will never be you needing that pacemaker?
Do you think he would never euthanize such a dedicated sychophant?
Do you expect to get a democrat stick-in to the head of the rationing line?
Where is your concern for your fellow man? Where is your respect for life?
She GOT HER PACEMAKER.
Under Obama's reign she will not be able to. What don't you get???
Don't blather on about how you hate the insurance companies. At least they didn't use the police power of the government to prevent her from getting one as Obama will.
|
|
| | | 292 | Perm Dude
ID: 154552311 Tue, Aug 04, 2009, 01:18
|
What don't you get???
The fact that you continue to repeat falsehoods over and over. And you expect us to believe them simply by virtue of your repetitiveness.
The plan currently being considered allows you to keep your insurance plans if you so choose. Seriously--what don't you get about that? The biggest attacks from the Left about the plan is that it doesn't do anything close to what you are saying it does. It isn't single payer. It doesn't ration care. It doesn't have much teeth in terms of controlling costs (mostly, because it continues to utilize the existing insurance market). And because of Blue Dog compromises, it seems unlikely to have a public option, meaning that most people won't be able to use the government plan even if they wanted to.
The last couple of years I get the feeling that you understand, at a very deep level, what exactly is wrong with the arguments you are making. I see that because, when confronted, you take the same counter-arguments to your talking points du jour and try to pin them on your perceived political opponents.
What we're left with is that you refuse to learn the facts about what you are attacking and replace it with a certainty of belief, as though knowing the truth isn't as important as strength of feeling. But the truth matters. And it matters a lot more than your irrational Obama Derangement Syndrome you insist on subjecting us to, post after post after post.
|
|
| | | 293 | biliruben Leader
ID: 589301110 Tue, Aug 04, 2009, 10:00
|
"She GOT HER PACEMAKER.
Under Obama's reign she will not be able to. What don't you get???" -
You have become hysterical. Breath. Then read.
She probably got her pacemaker while on Medicare, and evil Marxist government program. Why you think things will change under essentially the same situation, I don't know.
Do you have any interest in having any sort of rational debate about health care, or just continue screaming like a little girl afraid of the purple land-shark in her closet?
If you do, you need to actually, you know, read about the bill and discuss the facts at hand, and stop reading the tabloid trash intended to scare the bejesus out of you put out by the health insurance lobby and Obama is the Antichristers.
Rational thought, Baldwin. Rational thought.
Otherwise, you need to seek a therapist to work through your fantastical nightmares on your own.
|
|
| | | 294 | Boldwin
ID: 376192015 Tue, Aug 04, 2009, 10:28
|
I provided you links to the pages in HR 3200 where a czar will be set up to decide what treatment you will and will not be allowed to get.
|
|
| | | 295 | biliruben Leader
ID: 589301110 Tue, Aug 04, 2009, 10:36
|
You think this doesn't happen now? Both in Medicare and in private insurance?
|
|
| | |
| | | 297 | Boldwin
ID: 376192015 Tue, Aug 04, 2009, 11:08
|
Also between pages 30 and 42 you will find that 'benefits' meaning what they will and will not provide, will be detirmined by the government. The devil in the details will be the term 'efficiency'.
In the same way that the Clinton's set up a perverse system that drove the number of state kidnappings of ever more kids every year...
A competition between providers will be set up to drive up the number of people willing to end it all early and thus be treated 'efficiently'. The only rewards will be for those who beat last year's figures so it will be a desperate race to talk people into euthanasia.
|
|
| | | 298 | biliruben Leader
ID: 589301110 Tue, Aug 04, 2009, 11:40
|
Okay. We are back in fantasy land.
I can't debate or argue with your imagination.
Emotions and dark fears swirling in a mish-mash of facts and fantasy.
If you come back to rationality, we can discuss how care is rationed now, and how you think it should be rationed in the future, or whether you think we need to ration care at all.
|
|
| | | 299 | sarge33rd
ID: 17681812 Tue, Aug 04, 2009, 12:06
|
One has to wonder if Boldwin has totally ignored the numerous reports over the years,, of the insurance industry refusing to pay for this service or that. Where is the difference in a profit motivated refusal to pay, and his unreasonable fear of a governmental refusal to pay? (And I am not with that statement, acknowledging that there WILL be a governmental refusal. Simply saying, *IF* there is one, what is the difference between AETNA for ex, refusing to pay, or the govt refusing to pay?)
|
|
| | | 300 | Boldwin
ID: 376192015 Tue, Aug 04, 2009, 16:40
|
I post the actual pages in the health bill so that unlike your congressman, you can actually read it for yourself and you call it fantasy land.
|
|
| | | 301 | Boldwin
ID: 376192015 Tue, Aug 04, 2009, 16:49
|
Further George Soros [using Rothchild money] handpicked both the republican and democrat candidates and...
...he spend hundreds of millions of dollars thru foundations like the Robert Wood Johnson Foundation making euthanazia case law in the USA and corrupted into the institutions controlling policy on end-of-life issues in america.
But it's fantasyland to see any connection.
|
|
| | | 302 | Boldwin
ID: 376192015 Tue, Aug 04, 2009, 16:53
|
Further HR 3200 explicitly talks about witholding food and water from people. There is never anytime when that isn't the most fundamentally unethical action you could possibly take. Murdering your enemies is fundamentally wrong. Murdering those people who paid you and trusted you to care for them is so many levels lower and darker.
|
|
| | | 303 | biliruben
ID: 461142511 Tue, Aug 04, 2009, 16:59
|
Gawd. What's the point.
One more try, this time with direct questions that should probably be able to sidestep vast world conspiracies.
1) Baldwin, do you think that we need to, in some form, ration health care, or do you think that the government should simply spend a limitless amount to give every man, woman and child Cadillac care?
2) If you do think we might not, as a society, be able to pay for everyone to have everything, how would you, personally, choose to ration care?
|
|
| | | 304 | Perm Dude
ID: 154552311 Tue, Aug 04, 2009, 17:26
|
Further HR 3200 explicitly talks about witholding food and water from people
Where?
I fail to see how the system we have, in which healthcare costs will eventually bankrupt private insurance companies, is preferable to one in which the government offers the same plan that Congress has to anyone who wants it.
|
|
| | | 305 | Boldwin
ID: 376192015 Tue, Aug 04, 2009, 20:21
|
Page 432 lines 16 and 17.
And Congress has a much more comprehensive plan for themselves. At townhall meetings across the country congressmen are being challenged to accept the same coverage as they are offering and are shrinking back from that prospect while the crowds are tearing them to pieces btw.
My disgrace of a senator is warning dems to not hold townhalls on the subject because he knows they will get heckled worse than Tree and Sarge ganging up on me.
|
|
| | | 306 | Boldwin
ID: 376192015 Tue, Aug 04, 2009, 21:27
|
How do you say these things with a sraight face?
offers...to anyone who wants it.
They aren't offering it. They are threatening you to take it or else. Or else be fined bigtime.
|
|
| | | 307 | sarge33rd
ID: 1732422 Tue, Aug 04, 2009, 23:38
|
ganging up on you? You mean challenging you to hear what is said BY a Dem, vs what AC or Glen Beck or Rush Limbaugh TELLS you was said?
|
|
| | | 308 | Perm Dude
ID: 154552311 Wed, Aug 05, 2009, 00:43
|
Page 432 lines 16 and 17.
HR3200 (largish pdf) is 333 pages long.
How about a section number? Or, look up those lines yourself. Tell me where they are. The words "food," "drink," or "nourish" don't appear in HR3200.
|
|
| | | 309 | Boldwin
ID: 376192015 Wed, Aug 05, 2009, 15:53
|
Page 430 lines 16 and 17
That PDF will not allow cut-n-paste so you will have to look it up for yourself.
|
|
| | | 310 | Boldwin
ID: 376192015 Wed, Aug 05, 2009, 15:53
|
Or do a pdf doc search for the word 'hydration'.
|
|
| | | 311 | Perm Dude
ID: 154552311 Wed, Aug 05, 2009, 16:19
|
Take a moment to re-read my #308, Boldwin. I think a careful read will reveal how silly your reference to "page 430" really is.
I don't know what document you are reading. But it isn't HR3200.
|
|
| | | 312 | Boldwin
ID: 376192015 Wed, Aug 05, 2009, 17:06
|
PD, I have it up on my computer screen. It says page 430.
Go to the link in my post#194.
There you will find a copy of HR 3200 which is according to the PDF 1017 pages long.
Do a pdf doc search for the word hydration and it will take you directly to the reference.
Drop the condescension.
|
|
| | | 313 | Boldwin
ID: 376192015 Wed, Aug 05, 2009, 17:14
|
Here is a lady who has this bill figured out.
Former Lt Gov of New York.
Hudson institute Fellow
Betsy McCaughey on Obamacare.
Sooo many PD delusions and Obama lies exposed.
|
|
| | | 314 | Boldwin
ID: 376192015 Wed, Aug 05, 2009, 17:52
|
Fred Thompson with Betsy McCaughey discussing the bill.
Just hair-raising. The cost of Fred Thompson not getting campaign fund backing last year will be the death of us all. Literally.
|
|
| | | 315 | Perm Dude
ID: 154552311 Wed, Aug 05, 2009, 18:09
|
Baldwin, you are looking at an old version of the bill. There is nothing at all of what you are objecting to in the later version of the bill.
McCaughey has already walked back some of her comments, after her euthanasia claims were found to be completely without merit. She, like a lot of your heroes, is more interested in throwin up provocative and inaccurate information in order to try to stop health insurance reform.
|
|
| | | 316 | Perm Dude
ID: 154552311 Wed, Aug 05, 2009, 18:13
|
Betsy McCaughey is, essentially, lying.
It should be made clear what we are talking about: Insurance companies recognize that decisions about end-of-life care (such as living wills, the type of care one wants, the degree of extraordinary care one wants, whether hospice care is desired in certain circumstances, etc), are decisions made between a patient and their doctor. And they are best made ahead of time.
So the question is: Who pays for that consultation? Obama is saying that, should a patient want such a consultation, then his plan would pay for it.
That's it. Anything else is a lie.
|
|
| | | 317 | Boldwin
ID: 376192015 Wed, Aug 05, 2009, 20:10
|
Lt Governors and Hudson Fellows are not that easily dismissed.
Rahm Emanuel's brother is getting his way and his way is breathtakingly evil.
|
|
| | | 318 | Boldwin
ID: 376192015 Wed, Aug 05, 2009, 20:13
|
And regularly sending government arm twisters out to trick old people into agreeing to be starved and dehydrated to death is pure evil.
|
|
| | | 319 | Perm Dude
ID: 154552311 Wed, Aug 05, 2009, 20:20
|
Lt Governors and Hudson Fellows are not that easily dismissed.
If facts and sunlight don't help, then let her wobble around. I don't mind. She got taken to the woodshed extensively by FactCheck for her previous fiction in February. This is after she walked back her previous paranoid comments about government brownshirts which contained no truth at all. All fear, no truth: Your GOP!
In the "black is white" world of the far-right, getting spanked for not having facts is now a badge of honor. As we know, education, use of facts and logic, and respect for truth are all attributes of liberal elites.
You're right--older people who want to plan their life should do so on their own dime. That's the American way, yes?
|
|
| | | 320 | Boldwin
ID: 376192015 Wed, Aug 05, 2009, 20:51
|
Just for starters...
Considering the Annenberg Foundation owns Factcheck.org, bankrolled Obama during his rise to prominence, covered Obama's patootie over citizenship issue, I'm not all that impressed with anything springing from Al Capone's sidekick's wealth.
|
|
| | | 321 | Boldwin
ID: 376192015 Wed, Aug 05, 2009, 20:59
|
And how much is the hemlock society paying you anyway? Ezekiel Emanuel has literally tried to tear down the hippocratic oath. He despises it. It doesn't take a rocket scientist to read the bill to see euthanasia and withheld medical services based on Hastings Institute nazi bioethics jam packed into it.
|
|
| | | 322 | Boldwin
ID: 376192015 Wed, Aug 05, 2009, 21:04
|
Just because one version of the bill is less outspoken than another about euthanasia, the entirely partisan government takeover of healthcare is designed to render a system to Emanuel [and Adolph Hitler's] liking.
|
|
| | | 323 | Perm Dude
ID: 154552311 Wed, Aug 05, 2009, 21:08
|
I believe we went over your problems with Annenberg already. You seem to want to intentionally conflate two different organizations with the word "Annenberg" in their name.
You have become a tool for wackos intent on smearing.
It doesn't take a rocket scientist to read the bill...
This is funny. Really. Half this thread is about you throwing out stuff not being proposed, or people responding with facts in rebuttal.
You aren't interested in people reading the bill, Baldwin, because then they will see your lies for what they are.
|
|
| | | 324 | Boldwin
ID: 376192015 Wed, Aug 05, 2009, 21:27
|
I believe we went over your problems with Annenberg already. You seem to want to intentionally conflate two different organizations with the word "Annenberg" in their name.
The same Annenberg legacy funds both. A distinction with absolutely zero difference. Obama is an Annenberg product. That they provide cover for him is hardly some surprise.
|
|
| | | 325 | Boldwin
ID: 376192015 Wed, Aug 05, 2009, 22:12
|
Obama is saying that, should a patient want such a consultation, then his plan would pay for it.
That's it. Anything else is a lie.
Oh, should he want an optional consultation? Yeah, that's what it says, are you lying or clueless?
I honestly believe that you are so invested in this guy that if the bill read "Obama May put Baldwin [by name] in a concentration camp" [and it took me reading a 1000 page document to find it] your response would be that it only says MAY therefore not only did it not say that he would but that my bringing the issue up was tantamount to lying.
The consultations will not be optional and it will be a miracle and probably a temporary miracle if those consultant 'suggestions' don't end up being forced upon you without your consent.
Further the government is so going to mandate what treatments you can and cannot receive.
The bill describes what plans will be allowed and proscribes anything outsides those plans. There will be a basic plan and 3 grades higher, each with progressively lower cost sharing with the government. There will be no medicine practiced outside those parameters. These aren't suggestions and guidelines. There will be no other options. If you want treatment outside what the government will allow, you will not be able to get that treatment pure and simple.
|
|
| | |
| | | 327 | biliruben Leader
ID: 589301110 Wed, Aug 05, 2009, 23:05
|
batshit crazy.
|
|
| | | 328 | Perm Dude
ID: 154552311 Wed, Aug 05, 2009, 23:13
|
Yup.
|
|
| | | 329 | Boldwin
ID: 376192015 Thu, Aug 06, 2009, 02:32
|
Because we can't learn from history, what socialized medicine looks like? Doomed to repeat it.
Because if it's too hard to believe people would do that to other people it just can't be true?
But it is.
It's got the seal of approval from merchants of death like the Hastings Institute and Planned Parenthood. Why would you expect good things?
|
|
| | | 330 | Boldwin
ID: 376192015 Thu, Aug 06, 2009, 03:07
|
And I am not the one intending on doing the same thing all over again and expecting different results. That would be socialists who are insane.
|
|
| | | 331 | Boldwin
ID: 376192015 Thu, Aug 06, 2009, 03:50
|
From the John Goodman's Health Policy Blog on Ezekiel Emanuel's principles underlying this bill.In his speech to the American Medical Association, President Obama said what White House health advisor Ezekiel Emanuel and Office of Management and Budget Director Peter Orszag have said in print some time ago. The only way to control health care costs is to get doctors to provide less care — fewer tests, fewer procedures, fewer everything. Of course, the Administration wants to eliminate only that care that is "unnecessary." But HMOs say the same thing.
Clearly the Administration does not consider doctors the best judge of what people need. The obvious end game: Washington will tell doctors how to practice medicine.
One method they have in mind: the power of the purse. The Administration is asking for independent authority to set reimbursement fees for all providers under Medicare. The easiest way to discourage "unnecessary care" is not to pay for it in the first place.
An example of what can be done is actually in legislation being written on Capitol Hill. Buried somewhere in the 1,000 plus pages is a provision to severely limit what Medicare pays for CT and MRI scans performed in doctors' offices. This would force elderly patients, for example, to go to the hospital for their radiology — where there are often lengthy waits. Patients in rural areas who must travel long distances to get to hospital-based testing facilities may be discouraged from getting the tests done at all.
To assist in this effort, the Administration is proposing a new federal health board to decide whether health care services are "effective" or "appropriate." When he first advanced this idea in Critical, Obama health care guru, Tom Daschle, pointed to the British National Institute for Health and Clinical Excellence (NICE) as the model. NICE has adopted a rule of thumb that health expenditures are inappropriate if they involve spending more than $22,000 to save six months of life. As a result, British cancer patients do not have access to drugs that are routinely available in the United States. The World Health Organization (WHO) estimates that 25,000 British cancer patients die prematurely every year because of these restrictions.
If health care is to be rationed, what's the right way to do it? Zeke Emanuel (who is also the brother of White House Chief of Staff Rahm Emanuel) wrote an entire article on this subject in the Lancet on January 31, 2009. Emanuel advocated allocating health resources in order to maximize collective life years. Suppose a 25-year-old and a 65-year-old have a life threatening disease. Since the 25-year-old has many more potential years of life ahead of him, he should receive preferential treatment, says Emanuel. He justifies denying care to elderly patients in the following way:The complete lives system discriminates against older people…. Unlike allocation by sex or race, allocation by age is not invidious discrimination; every person lives through different life stages rather than being a single age. Even if 25-year-olds receive priority over 65-year-olds, everyone who is 65 years now was previously 25 years. There's more. In a different article written more than 10 years ago for the Hastings Center Report, Emanuel said health services should not be guaranteed to "individuals who are irreversibly prevented from being or becoming participating citizens." He continues, "An obvious example is not guaranteeing health services to patients with dementia." When you find out when you are denied, that Obama doesn't think cancer treatment for you would be cost appropriate you are either going to think that is batshit crazy or else liberals are just plain suicidal.
|
|
| | | 332 | Frick
ID: 4945458 Thu, Aug 06, 2009, 08:58
|
Why do you think that a socialized medicine program would strive to kill over anyone over a certain age?
The US doesn't have an exceptionally high average age. Wikipedia - CIA Factbook map.
Two of the counties that are above the US are discussed here.
To get more specific the US ranks 50th
|
|
| | | 333 | biliruben Leader
ID: 589301110 Thu, Aug 06, 2009, 09:49
|
Because we can't learn from history, what socialized medicine looks like? Doomed to repeat it.
Yeah. It's called Medicare and Medicaid.
|
|
| | | 334 | Boldwin
ID: 376192015 Thu, Aug 06, 2009, 10:25
|
And look how well that kreeping socialism worked for the economy. A bit more socialist medicine and we can retire the national debt...not.
|
|
| | | 335 | biliruben Leader
ID: 589301110 Thu, Aug 06, 2009, 10:27
|
Jeezus, Baldwin. Either we need to ration care or we don't. Which is it?
You need to make some sort of coherent sense of what you want before we can engage in anything besides listening to you hysterically rant.
|
|
| | | 336 | Perm Dude
ID: 154552311 Thu, Aug 06, 2009, 10:37
|
When in doubt, attack!
Straight outta the Rove playbook (literally): Attack your opponent on the very thing you are weakest on.
|
|
| | | 337 | Richard Dude
ID: 204252420 Thu, Aug 06, 2009, 10:55
|
A Canadian doctor's perspective on US healthcare
US Healthcare Diagnosis - LA Times
In the 1960's the US chose public healthcare for only the elderly and the very poor while Canada opted for a universal program.
Some lessons learned
1) A single-payer system would eliminate most US coverage problems
2 and 3) Single-payer systems reduce duplicate administration costs and can negotiate lower prices
4) Single-payer plans can deliver the goods because funding goes to services, not overhead
5) Canadian healthcare delivery problems have nothing to do with their single-payer system and can be fixed by re-engineering for quality
Some insight:
U.S. health policy would be miles ahead if policymakers could learn these lessons. But they seem less interested in Canada's, or any other nation's, experience than ever. Why?
American democracy runs on money. Pharmaceutical and insurance companies have the fuel. Analysts see hundreds of billions of premiums wasted on overhead that could fund care for the uninsured. But industry executives and shareholders see bonuses and dividends
|
|
| | | 338 | Boldwin
ID: 376192015 Thu, Aug 06, 2009, 12:04
|
Bili
Here is the coherent message:
The government is the problem, not the solution.
And that is the consistant message I have given you since the day Dave Hall started this political forum.
|
|
| | | 339 | biliruben
ID: 461142511 Thu, Aug 06, 2009, 12:06
|
But in case of health care, just about all the evidence says exactly the opposite.
Are you able to modify your message in the face of facts contrary to your stance, or are you simply a stubborn ideologue who is not worth our time?
|
|
| | | 340 | Boldwin
ID: 376192015 Thu, Aug 06, 2009, 12:12
|
I've gone from flipflopping incoherently to being too rigidly consistant.
How about you just take a hard look at the evidence, section and line that I have provided and ask yourself why anyone would allow that nightmare scenario.
|
|
| | | 341 | Perm Dude
ID: 154552311 Thu, Aug 06, 2009, 12:25
|
But the scenario is strictly speculative, Baldwin. Paying for end-of-life counseling sessions is nothing at all like mandating euthanasia.
And the problem with the current system is that, despite all the wonders of the American health care system, it still rations care. In addition, it rations care extremely to those without insurance at all.
Any standing, like yours, which fights any changes in how medical care is paid for in this country is a defense of all those things currently wrong with the system, which currently includes nearly all the things you fear might come to happen.
|
|
| | | 342 | boikin
ID: 532592112 Thu, Aug 06, 2009, 12:44
|
And the problem with the current system is that, despite all the wonders of the American health care system, it still rations care.
All health care systems ration care, the question is how do you want you care rationed.
|
|
| | | 343 | boikin
ID: 532592112 Thu, Aug 06, 2009, 12:44
|
And the problem with the current system is that, despite all the wonders of the American health care system, it still rations care.
All health care systems ration care, the question is how do you want you care rationed.
|
|
| | | 344 | biliruben
ID: 461142511 Thu, Aug 06, 2009, 12:45
|
Ding! Ding! Ding!
We have a winner!
Exactly, boikin.
That is what we should be discussing.
|
|
| | | 346 | biliruben
ID: 461142511 Thu, Aug 06, 2009, 12:47
|
Instead we have allowed this thread to be hijacked by some dude who reads "Kill Terri Schiavo!" between every line.
|
|
| | | 347 | Perm Dude
ID: 154552311 Thu, Aug 06, 2009, 12:50
|
I completely agree, boikin. The current system rations care based upon health insurance access (#1) and the the limitations of your health insurance contract (#2).
That's why the cry of "rationing" applied to only the new health insurance bill is a big old red herring.
|
|
| | | 348 | Boldwin
ID: 376192015 Thu, Aug 06, 2009, 12:59
|
The one thing Obama learned from Hillary's failure to pass Hillarycare, was to hide the fact that it would be illegal to go around the system to get care denied by the government plan.
Instead of explicitly promising to prevent treatment as Hillary did, just ask for the ability to deny treatment and kill off every avenue to get around the prohibition to treatment.
|
|
| | | 349 | Boldwin
ID: 376192015 Thu, Aug 06, 2009, 13:05
|
The other thing was to deny that you were even changing healthcare. Just claim you are attacking insurance.
|
|
| | | 350 | biliruben
ID: 461142511 Thu, Aug 06, 2009, 13:06
|
To the tune of Rock me Amadeus...
Terri Schiavo Terri Schiavo, Terri Schiavo Terri Schiavo Terri Schiavo, Terri Schiavo Terri Schiavo Terri Schiavo, T T T T Terri Schiavo
Your brain is stuck on Terri Shiavo, Baldwin. Are you sure you've never taken acid?
|
|
| | | 351 | sarge33rd
ID: 16738612 Thu, Aug 06, 2009, 13:38
|
re 329:
Because we can't learn from history, what socialized medicine looks like? Doomed to repeat it.
Sooooooo, those opposed to the assertions made vis-a-vis a religious state (as you so clearly seem to want and the GOP so clearly seems to consider themselves), would be entirely accurate to point at the Spainish Inquisition, in order to combat such a development?
Learning from history is one thing. Learning from a biased, bs, twisted, revisionist history....is quite another.
|
|
| | | 352 | Perm Dude
ID: 154552311 Thu, Aug 06, 2009, 14:07
|
I really don't know what history Baldwin is reading, but exactly what "socialized medicine" disaster are we supposed to be worried about repeating?
|
|
| | | 353 | sarge33rd
ID: 16738612 Thu, Aug 06, 2009, 14:09
|
that would be the ...
....biased, bs, twisted, revisionist history....
I referred to.
|
|
| | | 354 | Boldwin
ID: 376192015 Thu, Aug 06, 2009, 14:33
|
Where were you in the twentieth century, PD?
|
|
| | | 355 | Boldwin
ID: 376192015 Thu, Aug 06, 2009, 14:55
|
Here is a good start.
|
|
| | | 356 | biliruben
ID: 461142511 Thu, Aug 06, 2009, 15:13
|
The rest of the developed world has socialized medicine, keeping their citizens healthier than we do at nearly half the cost.
What a disaster.
|
|
| | | 357 | Boldwin
ID: 376192015 Thu, Aug 06, 2009, 15:20
|
Britain has 25,000 yearly preventable deaths from cancer due to socialized medicine according to the pro-global socialism UN WHO.
When you die from waiting in line, or have your broken bone or condition become unhealable due to neglect, you will be in a better position to speak on this subject, Bili. But not in a good position to get the mess back in the toothpaste tube.
You could always actually look at the horror stories Canadians and Brits are eagerly providing to warn us away from this disaster waiting to happen but you are "trying not to hear dat, see?"
|
|
| | | 358 | Frick
ID: 4945458 Thu, Aug 06, 2009, 15:31
|
Britain has 25,000 yearly preventable deaths from cancer due to socialized medicine according to the pro-global socialism UN WHO.
Do you have a link to that?
And how many people in the US die from not being able to afford the initial doctor's visit?
You could always actually look at the horror stories Canadians and Brits are eagerly providing to warn us away from this disaster waiting to happen but you are "trying not to hear dat, see?"
You could also look at the horror stories of US citizens putting themselves into bankruptcy to pay for diagnosis and treatment.
|
|
| | | 359 | biliruben
ID: 461142511 Thu, Aug 06, 2009, 15:32
|
My step-dad, with excellent private insurance, died from waiting in line for a liver. And he should have.
What you don't get is that the current system is broken. It doesn't work at all for a huge percentage of our population.
Broken. Those who are constructive (Dems) instead of obstructive and bratty (Reps) are trying to fix it. Conservatives are acting like spoiled little brats, offering no solution at all.
|
|
| | | 360 | sarge33rd
ID: 16738612 Thu, Aug 06, 2009, 15:41
|
When you die from waiting in line, or have your broken bone or condition become unhealable due to neglect, you will be in a better position to speak on this subject, Bili. But not in a good position to get the mess back in the toothpaste tube.
No insurance,
you die at home instead.
For some reason Boldwin, THAT is the method you appear to arguing in favor of.
|
|
| | | 361 | Boldwin
ID: 376192015 Thu, Aug 06, 2009, 15:43
|
You could also look at the horror stories of US citizens putting themselves into bankruptcy to pay for diagnosis and treatment. - Frick
Oh, but I am living it, Frick. However I also cannot afford to see this country turn into N. Korea.
|
|
| | | 362 | biliruben
ID: 461142511 Thu, Aug 06, 2009, 15:45
|
Oh, but I am living it, Frick. However I also cannot afford to see this country turn into N. Korea.
Heh.
Well, that says it all regarding Baldwin's lack of, um, perspective (to put it gently).
|
|
| | | 363 | Boldwin
ID: 376192015 Thu, Aug 06, 2009, 15:55
|
Bili
Actually conservatives have been trying to undo liberalism's costly burden forver. Just get back to the factors that obtained when a doctor could practice unimpeded by government and lawyers and rampant greedy victimology. Get back to a time when doctors and hospitals didn't have the temptation of a blank check from a third party and had to look you in the eye before overcharging you.
|
|
| | | 364 | Perm Dude
ID: 154552311 Thu, Aug 06, 2009, 15:57
|
Apparently if we move toward a Canadian or British system (two different systems, but what the hey), we're actually going to turn into North Korea.
!!
Yee gads. What is Canada or Britain turning into then, since they are already there?
|
|
| | | 365 | Boldwin
ID: 376192015 Thu, Aug 06, 2009, 16:00
|
Bili,
My perspective is right down here with the little people you think you are helping.
Euthanazia is not help. With congestive heart failure and aproaching retirement Ezekiel Emanuel and his buddies at the Hastings Institute have already signed my death warrant with this bill.
|
|
| | | 366 | Boldwin
ID: 376192015 Thu, Aug 06, 2009, 16:04
|
What is Canada or Britain turning into then, since they are already there?
Unarmed, surveillance society, harrassed by political police, and sitting ducks for the next devolving wave of socialism. In Britain's case already owned by an outside undemocratic globalist entity.
|
|
| | | 367 | boikin
ID: 532592112 Thu, Aug 06, 2009, 16:20
|
Britain has 25,000 yearly preventable deaths from cancer due to socialized medicine according to the pro-global socialism UN WHO.
link please
The rest of the developed world has socialized medicine, keeping their citizens healthier than we do at nearly half the cost.
link please
Clearly you guys are just arguing over opinions here. There are no facts being discussed.
like is said before:
All health care systems ration care, the question is how do you want your care rationed.
how about addressing this issue or idea that with out the large amounts of money big pharmaceutical companies make of the US there would not nearly be the incentive to create new drugs.
|
|
| | | 368 | Boldwin
ID: 376192015 Thu, Aug 06, 2009, 16:20
|
In Canada disarmed and soon to be owned by an undemocratic globalist North American Union.
|
|
| | | 369 | Biliruben on iffyone
ID: 52052916 Thu, Aug 06, 2009, 16:20
|
You have a peculiar form of victomology, Baldwin. I have a Good friend who is in heart failure, and been tossed off of his private insurers rolls. His wife is about to lose her job, and hence he is about to go uninsured. If Obama doesn't save him, nothing will.
|
|
| | | 370 | Boldwin
ID: 376192015 Thu, Aug 06, 2009, 16:25
|
I wonder if Obama will spring for the cost of a pain pill?
|
|
| | | 371 | Biliruben on iffyone
ID: 52052916 Thu, Aug 06, 2009, 16:35
|
You just don't get. This isn't about the poor. It's about all of us. Subject to the whims and profit motive of insurers.
|
|
| | | 372 | Boldwin
ID: 376192015 Thu, Aug 06, 2009, 17:04
|
Lol! I just discovered that a pain pill is one of Obama's "quality measures".
Be on the lookout for that euphemism when you are trying to decifer HR3200 and are trying to figure out where it talks about what treatment you will be allowed to receive.
|
|
| | | 373 | Pancho Villa
ID: 57722519 Thu, Aug 06, 2009, 17:20
|
Pain pills are the most abused drug in this country.
Part of the problem is that too many wussies go running to the doctor for pain pills or depression, which I am suffering reading this thread.
|
|
| | | 374 | Boldwin
ID: 376192015 Thu, Aug 06, 2009, 17:25
|
So you are suggesting Obama should have just told granny to "go off and die somewhere without treatment" sans pain pills?
|
|
| | | 375 | Razor
ID: 873520 Thu, Aug 06, 2009, 18:45
|
Is that an exact quote?
|
|
| | | 376 | Biliruben on iffyone
ID: 52052916 Thu, Aug 06, 2009, 18:57
|
No, but the instance companies were happy to supply a translation of his true meaning.
|
|
| | | 377 | Boldwin
ID: 376192015 Thu, Aug 06, 2009, 21:05
|
His exact words are on youtube supplied by me in this thread.
|
|
| | |
| | | 379 | Madman
ID: 20131721 Thu, Aug 06, 2009, 21:40
|
For those who support HR3200, a few questions:
a) How will HR3200 prevent things like the upcoming Medicare "hold harmless" impact on age-ins to Medicare? For those not familiar, read section IIIC of the Trustee report. If Congress doesn't act (and I haven't heard that they will), Part B premiums and deductibles will be ramped up on 25% of the Medicare population to help subsidize the other 75%.
Specifically, the impact of "Hold harmless" was an unforeseen (by, I suspect, innumerate legislators) side-effect of a combination of provisions. Will the proposed Benefits Advisory Committee work better?
If you don't like that example, try the shenanigans in HR6331 last summer, when physicians temporarily provided services without knowing whether they would get paid. Government is an unreliable broker.
b) The biggest expense for individual insurance is the payment to brokers and agents. Currently, online brokerages like ehealthinsurance.com and others strive to meet customer demands while accurately reflecting the plans of carriers. How can we be sure that the accuracy and speed of the new Exchange will be more like the ehealthinsurance.com marketplace and less like the Medicare Part D planfinder (which is slow to update and unresponsive to error correction)? Further, how can we be sure that consumers won't still choose to pay agents or brokers, thereby bearing the same cost burden that they would today, but through a different mechanism?
c) Why is $20,000 out of pocket maximum a good plan design? (family of 4 at 400% FPL) Why is it worth a trillion dollars? How does this fix anyone's cost problem? And the average cost is likely to be north of $12,000 *out of pocket, after subsidies* in much of the country. That's per year.
d) Why should the average person support limiting their freedom to a government-defined copayment plan (coinsurance is to be discouraged)?
e) Why is benchmarking plans based upon actuarial value a good idea? Bear in mind the games that integrated health delivery plans can play with allowed charges.
f) Why should young people be required to pay half of what a senior pays? How is this not yet another integenerational burden we are placing on our young folk?
g) Why should all fully insured group plans be forced to meet QHBP rating guidelines by 2018? How does this restriction square with the idea that you will still be allowed to keep your current plan?
h) Our government runs the most expensive, least efficient health plan in the world (Medicare). Medicare denies more claims than any other carrier in the US. We spend more on Medicare, per capita, than most other countries spend on their ENTIRE population.
i) Why don't we fix Medicare first, and split the savings 50-50. 50% to helping finance the next generation by keeping Social Security and Medicare solvent and reducing the deficit. 50% toward income redistribution to help the poor buy insurance or get it through SCHIP or Medicaid.
j) Why do we call Medicaid eligibles uninsured?
k) How are any of these reforms better than streamlining HIPAA's creditable coverage provision and guaranteeing universal access to coverage through that mechanism? (the idea here is that if you have coverage, you have GI to keep that coverage regardless of family circumstance change) There will be attenuating cost problems in some states, but we can deal with those as they come around. Notice that HR3200 requires private insurers to comply with GI restrictions much stronger than Medicare's access restrictions. That's odd.
L) If Massachussetts can't afford this style of reform, how can they ship an additional 15% of the cost to Arkansas to help make up for the fact that we are even poorer and will need even greater subsidization?
M) Why should my family and I qualify for subsidies if we go on the exchange? Why won't my wife divorce me so that she can claim the kids and rake it on the Exchange? Will all other wives be so stodgy?
|
|
| | | 380 | Perm Dude
ID: 154552311 Thu, Aug 06, 2009, 21:50
|
Hit or miss, here, Madman:
-Haven't seen anything addressing the hold harmless problem. I think that HR3200 is crafted specifically to avoid Medicare whenever possible. Certainly it is smartest not to try to fix all problems, including Medicare. This doesn't make those problems go away, of course.
-Further, how can we be sure that consumers won't still choose to pay agents or brokers, thereby bearing the same cost burden that they would today, but through a different mechanism?
My reading of the bill is that there is no such surety. The bill doesn't appear interested in addressing the means through which such private contracts are obtained.
In fact, the ability of a value-added broker on the private insurance side is one reason (of many) why I believe the effect of the public option on private health insurance has been overblown.
Our government runs the most expensive, least efficient health plan in the world (Medicare)
Maybe. But any health plan limited to those with larger and more expensive health problems are going to be quite pricey. But I don't think we can divorce ourselves from the fact that those actually on Medicare are, by and large, extremely satisfied with the plan.
|
|
| | | 381 | Madman
ID: 20131721 Thu, Aug 06, 2009, 23:25
|
PD380 -- (1) True, unfortunately. (2) if you lower the cost of insurance by 10% and then have the people paying 10%, the savings in the Exchange are overblown and misguided. (3) I think we can divorce ourselves from the fact that those on Medicare are happy. A very, very, very high percentage of people on Medicare either opted out and into a Medicare Advantage plan (25%), an employer retiree plan augmenting Medicare, or thought that Medicare's design was so crappy that they had to buy a Supplement plan on their own. I don't have the statistics, but I think only about 25% of people go "naked" on Medicare only, which is highly inadvisable from an estate planning perspective.
Further, when you basically give away the Part A benefit and only charge 25% of the Part B benefit, you better have some people happy.
Why are our seniors so much pricier than Canada? UK? France? Can't easily blame that on the private sector or on the fact that those folk are old. France has a lot of old folk, as well.
How many other nations would have a 10% fraudulent claim rate? A 6.9% claim denial rate? Heck, even when we all know there is real crap going on, like ESRD drug or DME payments, you have to move heaven and earth to fix it. Well, that's an understatement, since those things still haven't been fixed yet and we've known about those problems for a decade or so now. It's been 20 years and Medicare still hasn't instituted a successfully out-patient risk payment classification system. It's a joke.
How many private health plans would insure sick and frail people and not hire nurses and doctors to stay in contact with them when the get sick? None that I know of.
Of course, a senior can track their claims on their Personal Health Record on the website. Oh, wait, they can't do that, either.
At least those customer service reps are friendly. And just wait what will happen to them after the Bush/Obama Medicare contracting drive finishes up driving most Medicare contractors out of business.
|
|
| | | 382 | Perm Dude
ID: 154552311 Thu, Aug 06, 2009, 23:43
|
Why are our seniors so much pricier than Canada?...
No other country has a separate program designed, like Medicare, specifically for older people.
But, since you asked, our seniors are so much pricier since they are plugging into a pricier system. That isn't a bad thing. We have more MRI machines per person, more drug choices, more of everything. The medical infrastructure is expensive. The flip side of having the best medical care in the world is that it has to be paid for somehow. So's the very real overhead cost of information harvesting, protection, and exchange.
I'm not excusing Medicare, btw. As I recall, you and I were both aghast at the lack of real price controls when Bush rammed through his half-baked overhaul of Medicare. I believe that the problems of Medicare aren't necessarily the problems of HR3200, just as the problems of Medicare aren't necessarily the problems of health insurance for government employees.
|
|
| | | 383 | Frick
ID: 4945458 Fri, Aug 07, 2009, 08:49
|
But, since you asked, our seniors are so much pricier since they are plugging into a pricier system. That isn't a bad thing. We have more MRI machines per person, more drug choices, more of everything. The medical infrastructure is expensive. The flip side of having the best medical care in the world is that it has to be paid for somehow. So's the very real overhead cost of information harvesting, protection, and exchange.
Can we really say we have the best health care coverage in the world when we rank 50th on average life expectancy at birth? If it was in the top 5 or even top 10 I think you could make the argument that small sample size plays in, but 50th seems to mean we just spend the most, and not efficiently.
|
|
| | | 384 | Perm Dude
ID: 154552311 Fri, Aug 07, 2009, 09:30
|
Can we really say we have the best health care coverage in the world...
Ah, but that's not what I said! In fact, your post highlights the problem rather well. I said we have the best care in the world (which we do). The problem is one of coverage--we don't distribute our great care as widely or as efficiently because we've decided it needs to be distributed through a free market system.
|
|
| | | 385 | biliruben Leader
ID: 589301110 Fri, Aug 07, 2009, 09:56
|
Our government runs the most expensive, least efficient health plan in the world (Medicare)
I'd like to see some evidence for this, but regardless, no other country has to pay for the care of 40 million uninsured every time they pay a bill, and they don't have to deal with jaded profit-minded docs, who are taught to milk the system instead of focusing on patient care.
|
|
| | | 386 | boikin
ID: 532592112 Fri, Aug 07, 2009, 11:41
|
who are taught to milk the system instead of focusing on patient care.
I am sorry, there maybe some doctors out there that feel this way but in general most all care about there patient care way more than milking the system.
|
|
| | | 387 | biliruben Leader
ID: 589301110 Fri, Aug 07, 2009, 11:42
|
Agreed. They often have little choice, however. They are no longer their own masters.
|
|
| | | 388 | sarge33rd
ID: 236141411 Fri, Aug 07, 2009, 12:33
|
HUGE numbers of medical providers, as well as medical equipment providers, exist primarily "to milk the system".
One commercial I see FAR too often, is for a powered wheelchair. Available even to those who dont medically require a wheelchair and the commercial proudly proclaims, "If we qualiy you for medi-care reimbursement and they deny the claim, your chair is free."
That company and others like it; exist IMHO, NOT to benefit the patient, but to bill the US Taxpayer.
I used to run an Insurance Agency and one of our lines was Medi-care Supplemental Insurance. Given that medi-care wasn't intended to be a stand alone coverage (like Soc Sec wasn't meant to be a stand alone retirement plan); the need for a supplement is not a strike against medi-care. It's fitting right into what medi-care was designed to be. A "tool", to help manage personal medical expenses. And like most tool sheds, we need more than one tool in it, to do the job.
|
|
| | | 389 | biliruben
ID: 461142511 Fri, Aug 07, 2009, 17:50
|
How a townhall meeting should be:
|
|
| | | 390 | Boldwin
ID: 376192015 Fri, Aug 07, 2009, 19:24
|
Tell it to Acorn or the unions.
|
|
| | | 392 | holt
ID: 25758720 Fri, Aug 07, 2009, 22:18
|
re 369 "If Obama doesn't save him, nothing will. "
That's complete BS. There are several options available to someone in that position here in the U.S. (and without a 6 month wait).
|
|
| | | 393 | Madman
ID: 20131721 Fri, Aug 07, 2009, 22:34
|
Frick 383 -- the life expectancy argument is a canard. Japanese-Americans have a higher life expectancy that Japanese who stay in Japan? Does that mean our healthcare system is better than theirs? Absolutely not.
Life expectancy statistics are skewed by income distribution issues, life styles, homicide rates, etc. Doesn't mean that if you fall down on a bunny slope you are more apt to die in the US than in Canada because of the healthcare system. In fact, the reverse might be true.
|
|
| | | 394 | Boldwin
ID: 376192015 Fri, Aug 07, 2009, 22:45
|
Better cheaper medicine now. Doctors opt out of insurance and only accept patients on a yearly membership fee of $1800. Profits up, quality of care up, overhead down.
|
|
| | | 395 | DWetzel
ID: 33337117 Fri, Aug 07, 2009, 23:14
|
Do I put this here, or in the Sarah Palin thread? Sooo many choices.
Boldwin with boobs waxes lunatic on the health care plan. Good thing she's dropping out of the limelight to focus on her family. Oh, wait.
link
|
|
| | | 396 | Tree
ID: 41371322 Mon, Aug 10, 2009, 00:23
|
Tell it to Acorn or the unions.
man, you saw The Acorn Project this weekend too, in the campground at the Gorge? they kicked ass bro! glad you dug them...
|
|
| | |
| | | 398 | Mith
ID: 2894309 Mon, Aug 10, 2009, 13:48
|
Under the plan he was protesting, his coverage would be guaranteed.
LOL! I wonder why that tidbit failed to make it into his big interview on FNC...
|
|
| | | 399 | Boldwin
ID: 376192015 Mon, Aug 10, 2009, 14:11
|
Yes, even those of us without insurance do not want to live in a socialist country.
|
|
| | | 400 | Perm Dude
ID: 154552311 Mon, Aug 10, 2009, 14:14
|
Red herring alert.
|
|
| | | 401 | Tree
ID: 41371322 Mon, Aug 10, 2009, 14:21
|
so, a scuffle ensues. Baldwin's latest faux hero gets yanked to the ground (which tends to happen in scuffles), and IMMEDIATELY bounces back up.
then, apparently, he voluntarily went to the hospital, instead of being rushed to the hospital.
i fell down a couple times while on a 9 mile, 4000 foot elevation hike last week. Guess i should have rushed myself to the hospital too...
if you can afford insurance, but don't have it, i really think you're an idiot.
|
|
| | | 402 | holt
ID: 127241013 Mon, Aug 10, 2009, 14:24
|
The guy doesn't have health insurance and he is still opposed to it. That's an indication of how dangerous people feel the "plan" is.
Anyone who thinks the govt (politicians and bureaucrats) should be in control of health care hasn't been paying attention to how much the govt sucks at pretty much everything it has been entrusted with (outside of things involving explosions).
|
|
| | | 403 | holt
ID: 127241013 Mon, Aug 10, 2009, 14:34
|
What gets me is that so many supporters of universal health care seem to be in favor of ANY version of the bill, regardless of the details. If you're going to permanently saddle the U.S. with such a major social program, at least show some concern that the law is written in the best way possible. Just ramming it through while ignoring legitimate concerns is not the right way to do it (if there is a right way to do it).
|
|
| | | 404 | Boldwin
ID: 376192015 Mon, Aug 10, 2009, 14:49
|
I really wish I could be there to see the look on your faces when Obama-care forbids that you be given food and water because of the directive they fooled you into signing in one of their arm-twisting sessions...
...so I could sneak you a drink and a sandwich.
|
|
| | | 405 | Perm Dude
ID: 154552311 Mon, Aug 10, 2009, 15:01
|
I really wish I can see your look when you realize that you've been spoon-fed lies and your passing them as the truth will get you a divine-sized frown when you meet your maker...
|
|
| | | 406 | Tree
ID: 41371322 Mon, Aug 10, 2009, 15:45
|
I really wish I could be there to see the look on your faces when Obama-care forbids that you be given food and water..
i just laughed so hard the kool-aid YOU'VE been drinking just came out of my nose.
|
|
| | | 407 | Perm Dude
ID: 154552311 Mon, Aug 10, 2009, 16:11
|
White House responding with "Reality Check": Videos addressing particular topics, facts about the bill, etc.
This worked quite well for Obama on the campaign, and while this is pure PR for the bill it is worth noting which "side" is using facts and which side is using yelling.
There are plenty of things not to like about the bill (for example, I've always been against the mandatory nature of the coverage--everyone has to get insurance, in other words). But the wacky right has decided it is more important to call Obama a socialist rather than engage on any of the bill's particulars to make it better.
holt: Government isn't taking over health care. They are offering health care insurance to everyone, and changing the rules so that some of the abuses by health insurance companies are curbed. And the guy in question doesn't have health care coverage by choice--he lost it when he lost his job. Under Obama's plan he would continue to have coverage regardless.
|
|
| | | 408 | Pancho Villa
ID: 177441015 Mon, Aug 10, 2009, 16:44
|
Holt makes some good points. Here's what my Blue Dog Dem had to say in an editorial yesterday as to why he voted against the current House bill:
I am committed to passing health care reform
Key excerpts:
The president has said he will not sign a health care bill that 1) adds to the deficit and 2) fails to lower the excessive growth of long term health costs. I share those goals. According to the non-partisan Congressional Budget Office, the bill recently considered by the House Energy and Commerce Committee fails on both counts.
Health care costs are the number one driver of our long-term deficits, which is why achieving health care reform is the single most important thing we can do for our nation's long-term fiscal health.
The status quo is unsustainable and unacceptable. Inaction is not an option.
But to preserve what is best about our system, we have to fix what is broken. If we don't contain explosive costs, everyone's insurance will be in jeopardy. Premiums will continue to rise, benefits will erode and the number of uninsured -- including the current 298,000 uninsured Utahns -- will swell.
My view is that in order to get real cost savings, we must reform the incentives of a system that automatically equates more expensive care with better care. Utah has been at the forefront of health information technology innovation and the development of practices which improve the quality of care and reduce costs. National health care reform should build on Utah's example.
We also need to align incentives for doctors and hospitals so that they're reimbursed based on the quality of care they provide, not on how many tests or procedures they prescribe. A third of the $2 trillion spent on health care in this country goes toward administrative costs, not to patient care. We must cut down on fraud, waste and abuse and create a more efficient, less bureaucratic system.
Because the issue of health care reform is so complex and the imperative to get it right is so strong, I believe it is worth taking the necessary time to debate, amend, review and discuss with my constituents, any comprehensive bill. We can do this and bring affordability, stability and better health to all of us.
|
|
| | | 409 | Boldwin
ID: 376192015 Mon, Aug 10, 2009, 17:12
|
Government isn't taking over health care - PD
That is so wrong on so many levels I don't even know where to start.
This bill goes so far as to set up a mechanism to tell doctors where they can live. If that isn't micro-managing healthcare...
It sets up a czar who will determine if you qualify to receive a certain treatment or not.
It has numerous government mechanisms that would determine who could be excluded from certain treatments.
This is such a dishonest trick to socialize every aspect of treatment and claim it is only insurance that is being socialized.
|
|
| | | 410 | Perm Dude
ID: 154552311 Mon, Aug 10, 2009, 17:21
|
Sometimes responding to your lying is just tiresome, so pardon me if I limit the amount of time I spend responding to more of your crap. In your defense, very little (if any) of it originates with you.
Meanwhile, the Stephen Hawking red herring goes down in flames.
|
|
| | | 411 | biliruben
ID: 461142511 Mon, Aug 10, 2009, 18:40
|
Yeah, what's up with that? Wingnut brain damage.
If had lived in England, they would have put a pillow over his face!
Except, where has he lived all is life...?
|
|
| | | 412 | biliruben
ID: 461142511 Mon, Aug 10, 2009, 18:51
|
The opposite tack would be "What would happen to Hawking if he were born poor, in rural Texas in 2009?
The safety net is extremely thin these days. I'd hope there would be some government program or another to help him (probably medicaid), but he was probably much better off being born in England.
|
|
| | | 413 | Madman
ID: 20131721 Tue, Aug 11, 2009, 01:44
|
PD397-MITH398 -- Under current law, his access to health insurance is also guaranteed. If you lose your job, you don't lose your healthcare insurance rights unless you choose not to pay. That's the law.
However, he is required to first buy into COBRA at 35% of the employer's average cost (that's the part of the law I don't like).
And before you say he'd get his healthcare free under HR3200 consider the following. a) The maze of reporting he'd have to do after he lost his job (provide evidence for the exception from using his IRS taxable income from two years prior, why his immediately previous healthcare tax filing was no longer appropriate, etc.) b) The maze of bureaucracy the Commissioner would have to go through to process his exception and transmit eligibility to the insurance company or public plan, c) The concern that he might have that he might get a *different* job, thereby subjecting him to penalties if his previously reported reduction in income and approved exception subsequently proved false (see the HELP bill for especially pernicious examples of how Congress can play "gotcha" with people who lose their jobs and get another). Not everyone who has lost a job and then gets a job wants to spend all that time in their local Exchange office. They sometimes have other things to do. d) Under the Stimulus bill, he gets access to his current Employer's composite-rated premium (plus 2%), all at a 65% discount. Under HR3200, all exchange options for relatively young and otherwise healthy men would likely triple in cost, to something well above the composite rate currently paid by most employers. Granted, if he isn't going to work the rest of the year and has earned less than $15000 so far this year, there's a chance he'd get cheaper insurance than what he can get today, but that's through Medicaid expansion and has little to do with true choice.
In contrast stands my proposal, a version of AHIP's, which gives people in his situation immediate access to the non-group market at preferred rates. Preferred rates that in his case would -- to repeat -- be 1/3 to 1/5 the non-subsidized cost of Exchange based insurance options. This wouldn't be true in NY and NJ where they've screwed their non-group markets to look like Exchange markets, but you get the idea. My approach also relieves companies the direct cost of folks like him, whereas Obama's stimulus bill was deisgned to extract as much money as possible from marginally financed companies.
Feel free to denigrate the right with the adjective "wacko". The self-righteous links that are trying to use him as some counter-example seem even wackier to me. The nirvana they describe looks a whole lot closer to what is really going on today than they would otherwise like to admit.
|
|
| | | 414 | Perm Dude
ID: 154552311 Tue, Aug 11, 2009, 01:55
|
Feel free to denigrate the right with the adjective "wacko".
You misunderstand how the term is being used. If I said that Al Sharpton was a member of the "wacky left" you wouldn't think I was saying that all of the left acts exactly like Sharpton. You'd understand it to be a subset of the left--the loud and bang-a-gong, self-important members of the left who are all flash and no substance.
When I speak of the "Wacky Right" I'm specifically pointing to those on the right who are, well, wacky, in much the same way. And sadly for conservatives they have the microphone of the GOP right now, these people are preventing a more thoughtful rebuttal and response to Obama's plans. It will be a worse law as a result, since the GOP has abandoned any meaningful work on the legislation while it is still a bill. How sad is it that real conservative politics are represented in Congress pretty much exclusively by Blue Dog Democrats.
|
|
| | | 415 | Madman
ID: 20131721 Tue, Aug 11, 2009, 02:06
|
Fair enough, PD. I think it is also fair to point out, however, that there is a wacko left, as well, that appears to be totally ignoring most facts.
" How sad is it that real conservative politics are represented in Congress pretty much exclusively by Blue Dog Democrats."
It's even worse than you suggest. Most of them are conservative only in the traditional sense, which means that they will just try to "moderate" Change. That may or may not be truly conservative.
There are GOP voices that have a number of points and proposals out there. I don't agree with them, either, but they are genuine. See Ryan, Bennett, etc.
|
|
| | | 416 | Tree
ID: 41371322 Tue, Aug 11, 2009, 03:42
|
However, he is required to first buy into COBRA at 35% of the employer's average cost (that's the part of the law I don't like).
out of curiousity, which part don't you like - that he is required to buy into COBRA, or that it is at 35%?
|
|
| | | 417 | sarge33rd
ID: 17681812 Tue, Aug 11, 2009, 10:48
|
Most of them are conservative only in the traditional sense, which means that they will just try to "moderate" Change. That may or may not be truly conservative.
Am I the only one confused by this position/contention?
I'm thinking, if MORE politicos were "conservative in the traditional sense", the GOP just might not be in the position they are, nor would the Dems be in the position THEY are. Would not MORE politicos "conservative in the traditional sense", be good for the USA??????
|
|
| | | 418 | Pancho Villa
ID: 3751110 Tue, Aug 11, 2009, 11:06
|
Most of them are conservative only in the traditional sense, which means that they will just try to "moderate" Change. That may or may not be truly conservative.
Truly conservative has become an oxymoron, because the modern conservative has shown that truth is often a casualty in political discourse.
I attribute this to the fact that the leaders of the conservative movement are pundits and entertainers, not politicians, and these politicians are scared to death that a Beck, Limbaugh and now private citizen Palin(who's really been more of an entertainer than politician the whole time)will brand them a RINO, Democrat Lite, or other such isolating terminology which identifies them as not being 'truly conservative.'
As evidence of this, ask yourself what kind of coverage Ryan and Bennett and their proposals are receiving in the conservative media(or the entire media for that matter). The honest answer is virtually none. Check out today's columns in Townhall as an example.
I haven't read every word of every column, but I would venture to say that the names Bennett and Ryan, much less their proposals, are nowhere to be found in the roughly 15 columns that are centered on health care. Most of he columns don't even deal with health care issues at all, concentrating mostly on a little pushing and shoving in St. Louis.
Even long time conservative voices, who have mostly stuck with issues, are succumbing to the 'truly conservative' demands of accepted rhetoric, which is neither productive nor informative. I learned more from Madman #379 about this bill than reading 20 Townhall columns.
|
|
| | | 419 | biliruben
ID: 461142511 Tue, Aug 11, 2009, 12:50
|
Republican author of 1233: Those crazy radicals like Sarah Palin are whack.
How did this become a question of euthanasia?
I have no idea. I understand -- and you have to check this out -- I just had a phone call where someone said Sarah Palin's web site had talked about the House bill having death panels on it where people would be euthanized. How someone could take an end of life directive or a living will as that is nuts. You're putting the authority in the individual rather than the government. I don't know how that got so mixed up.
|
|
| | |
| | | 421 | biliruben
ID: 461142511 Tue, Aug 11, 2009, 13:47
|
And on top of that, the insurers rig the system so that the usual and customary charges are way too low.
Why anyone trusts insurers over a government of, by and for the people, I have no idea.
We've built a system where we incentive the insurers to collect as much premium/profit as possible while paying out as little as possible.
The focus has become on profit at the exclusion of the health of patients.
Outlaw health insurers now.
|
|
| | | 422 | Pancho Villa
ID: 3751110 Tue, Aug 11, 2009, 14:08
|
As an addendum to #418, one of the most informative(and disturbing) columns in Townhall today is actually written by an entertainer, Chuck Norris.
Dirty secret No. 1 in Obamacare is about the government's coming into homes and usurping parental rights over child care and development.
It's outlined in sections 440 and 1904 of the House bill (Page 838), under the heading "home visitation programs for families with young children and families expecting children." The programs (provided via grants to states) would educate parents on child behavior and parenting skills.
The bill says that the government agents, "well-trained and competent staff," would "provide parents with knowledge of age-appropriate child development in cognitive, language, social, emotional, and motor domains ... modeling, consulting, and coaching on parenting practices," and "skills to interact with their child to enhance age-appropriate development."
Are you kidding me?! With whose parental principles and values? Their own? Certain experts'? From what field and theory of childhood development? As if there are one-size-fits-all parenting techniques! Do we really believe they would contextualize and personalize every form of parenting in their education, or would they merely universally indoctrinate with their own?
Are we to assume the state's mediators would understand every parent's social or religious core values on parenting? Or would they teach some secular-progressive and religiously neutered version of parental values and wisdom? And if they were to consult and coach those who expect babies, would they ever decide circumstances to be not beneficial for the children and encourage abortions?
I don't know how much of what Norris describes is taken out of context(parentheses come and go), but I really don't care. The libertarian side of me opposes this government expansion, and the parental side of me opposes this government intrusion into my domain.
It's apparent to me that a bill that is over 1,000 pages is too complicated, too expensive and too expansive to be effective. I fail to understand why the government can't provide an affordable option for the currently uninsured based on a non-profit system that would need no more than 50 pages of explanation.
Additionally, why should the poor(many times that translates into the lazy)be provided free healthcare through Medicaid, while the working class is shut out through astronomical private premiums, even though Medicare is withheld from every paycheck, or in my case as self-employed, paid quarterly.
The fear that private insurance would eventually be eliminated seems to be a hysterical claim. The government program would obviously have rationing of some type, and some procedures would require additional payment. This would force the private insurers to become more competitive and ingenious in providing a superior product, as well as broadening the market for supplemental insurance.
Like PD, I am adamantly opposed to mandatory participation in any program.
|
|
| | | 423 | biliruben
ID: 461142511 Tue, Aug 11, 2009, 14:08
|
re: 420
My wife had an emergency c-section. I had counted 44K in bills before I gave up and stopped counting. It was about 5K out of pocket for us, which was manageable for us, but I'm sure not for everyone.
That would bankrupt most uninsured families, I would guess.
|
|
| | | 424 | biliruben
ID: 461142511 Tue, Aug 11, 2009, 14:14
|
‘SEC. 440. HOME VISITATION PROGRAMS FOR FAMILIES WITH YOUNG CHILDREN AND FAMILIES EXPECTING CHILDREN.
‘(a) Purpose- The purpose of this section is to improve the well-being, health, and development of children by enabling the establishment and expansion of high quality programs providing voluntary home visitation for families with young children and families expecting children.
It's voluntary. Don't listen to Chuck.
|
|
| | | 425 | biliruben
ID: 461142511 Tue, Aug 11, 2009, 14:43
|
Listen.
This is big business and big money. Health care expenditures are in the neighborhood of 2.5 Trillion annually. That means there is plenty of money to buy pundits and actors to scare the bejeesus out of the uninformed or sound-bite informed.
Be very, very skeptical. This plan takes on the big-money interests, and, though it doesn't go far enough, it is still very threatening to those who have enjoyed big profits through monopolies in vast regions of the US.
They are trying to scare us, and they are to some extent succeeding. Make decisions on reading the actual bill and interpretations by respected experts. Don't listen to the fantastical interpretations by Chuck Norris.
|
|
| | | 426 | Pancho Villa
ID: 3751110 Tue, Aug 11, 2009, 14:50
|
It's voluntary.
Doesn't matter. IMO, it's beyond the scope of what health care insurance should provide, which is an opportunity to pay affordable premiums for medical situations. Generic home visitations for the reasons stated above sound expensive and mostly unnecessary.
If anything, home visitations should be restricted to finding the widespread fraud and abuse that exists currently. Do we really need a government "expert" traveling to homes telling prospective parents that smoking and drinking while pregnant could be harmful to a baby's health? How many smoking and drinking expectant mothers are going to volunteer to have a government "expert" visit their home?
It's nanny state crap that is unnecessary and expensive. We already have WIC programs for expectant mothers and numerous programs about parenting. Take Sec 440 and any similar off topic programs out of the bill and concentrate on the basics.
|
|
| | | 427 | biliruben
ID: 461142511 Tue, Aug 11, 2009, 15:05
|
Well, okay. Since I study this stuff, PV, I won't agree, but I respect that you want to limit the scope. As a parent as well as a researcher at a children's hospital, I can attest there is a lot that parents and prospective parents don't know that they should. And some people seek out info and classes, and there isn't much out there for them.
I was only responding to:
"...I am adamantly opposed to mandatory participation in any program."
by letting you know it isn't mandatory.
|
|
| | | 428 | biliruben
ID: 461142511 Tue, Aug 11, 2009, 15:14
|
And it's not just booze and smokes.
Diet, exercise, breast feeding, sleeping problems, SIDS, CPR for infants, etc...
There is a lot of good research and info out there that can really help a new parent who doesn't have much support and is clueless about parenting.
Yeah, we didn't need this stuff 100 years ago. But then, 1 and 10 kids didn't make it to their first birthday either.
|
|
| | | 429 | Razor
ID: 371502414 Tue, Aug 11, 2009, 15:26
|
I imagine from a purely economics perspective, that it might be cheaper to hire a bunch of government workers to hit the field and educate expecting and new mothers of the way to raise a healthy baby than it is to pay for a bunch of hospital bills for sick babies. I have no problem with the government going with the preventative care approach, especially if saves money, even if some feel that it is too far reaching and an undeserved service.
|
|
| | | 430 | biliruben
ID: 461142511 Tue, Aug 11, 2009, 15:37
|
That's a good point, Razor. But I'd support preventative care even if it didn't save money, but just lives or health.
I assume the Baldwin's of the world, that go to bat even for the brain-dead, would agree.
|
|
| | | 431 | Perm Dude
ID: 154552311 Tue, Aug 11, 2009, 15:40
|
It should be noted here that tHR3200 would eliminate any co-payments for preventative care appointments.
|
|
| | | 432 | sarge33rd
ID: 17681812 Tue, Aug 11, 2009, 17:17
|
I have to believe (and I say this as an overweight smoker); that if we as a nation did better with preventive care throughout our lives; we'd suffer far fewer catastrophic ailments as seniors. And I mean F-A-R fewer.
|
|
| | | 433 | biliruben
ID: 461142511 Tue, Aug 11, 2009, 17:24
|
The data on preventative care is equivocal with regards to costs. Some preventative care appears to save money, some appears not to.
Personally, I find it to be the wrong question to ask.
|
|
| | |
| | | 435 | biliruben
ID: 461142511 Tue, Aug 11, 2009, 19:19
|
Huh? This guy doesn't want reform?

But he looks so reasonable. Ready to compromise. Meet halfway.
|
|
| | | 436 | Pancho Villa
ID: 3751110 Tue, Aug 11, 2009, 20:41
|
Diet, exercise, breast feeding, sleeping problems, SIDS, CPR for infants, etc...
And this info can't be provided on site during wellness visits? I know it can and is because I've been through it twice with my own kids and a couple of times with others. Why is it necessary for an act of Congress to supply this info at peoples' homes?
And the people who are mostly clueless about good parenting are probably the last people to voluntarily have someone from the government come to their house.
"That meth lab isn't conducive to good parenting, folks."
I have no problem with people seeking programs to improve their health or even parenting skills. My community is exemplary in providing services across the board in these areas. Why should we have to pay again for piss poor urban areas like Detroit and Chicago, which is where I suspect most of this funding will end up going.
How will this help me when one of my kids breaks a leg snowboarding and the bill is 5 grand? That's what needs to be fixed.
|
|
| | | 437 | Perm Dude
ID: 154552311 Tue, Aug 11, 2009, 21:33
|
Home visitations are probably the best place to provide details of that sort, however. Not only are the parents more receptive, sometimes, in the home environment, but the information can be tailored to the particular home circumstances.
|
|
| | | 438 | holt
ID: 407521121 Tue, Aug 11, 2009, 23:40
|
Let's just manufacture plastic bubbles for everyone and get it over with. Hire a huge bureaucracy to track and document the bubble usage and make sure that none of the bubbles have holes or anything. Then we can get to work on outlawing sugar and motorcycles and any other industry that can potentially cause harm. Imagine how much money we can save.
|
|
| | | 439 | Perm Dude
ID: 154552311 Tue, Aug 11, 2009, 23:53
|
Who is saying anything about hiring a huge bureaucracy? Or bubbles? The belief that medical information for kids is somehow a bad thing is a bit reactive, don't you think?
You're right--we shouldn't give inner city kids information on nutrition, because this would mean the government is too big. We all know that people are better served by for-profit insurance companies, who go out of their way to provide preventative medical information to the poor, for example...
|
|
| | | 440 | Pancho Villa
ID: 3751110 Wed, Aug 12, 2009, 00:11
|
Maybe I'm missing the point of what we're trying to accomplish here.
I'm under the impression that there are roughly 38 million people in this country with no health insurance of any kind. Beyond that, there are the millions of seniors on Medicare and the millions of poor on Medicaid.
Unemployment continues to rise putting more stress on Cobra, and the basic cost of the most simple of health care procedures is cost prohibitive for most of the middle class who must pay cash. Many of the people who do have insurance are routinely denied procedures.
That's a lot of major issues to deal with. Why is Congress, IMO, complicating this legislation by including something that will affect a very small minority, a minority(especially in the parenting realm)where substance abuse and basic dysfunctional behavior is more often than not the root cause of the problem.
Now, as a person who has battled substance abuse in the (now distant) past, I fully believe that substance abuse is a health issue, not a criminal issue. But that's a completely different debate.
There's an even bigger issue in play here, that goes to the root of Obama's presidency and its ultimate success or failure. The rabid right will continue their daily assault based on distortion and hubris, and the rabid left will support and accept any expansion of government regardless of the long term ramifications.
That leaves a whole bunch of moderate Republicans and Democrats, independents, libertarians and constitutionalists.
Obama has an opportunity to pass a lot of major legislation with the current congressional make-up, but the possibility is that a lot of that will be bad legislation. What works in San Francisco and Miami doesn't necessarily work well in Wichita and Missoula. I think there's a lot of people who are uneasy about Obama's insistance that major bills are rushed through the process despite widespread confusion about their effectiveness.
I'm with Matheson. If it takes longer to get it right, so be it. Better no bill than a bad bill.
|
|
| | | 441 | Perm Dude
ID: 154552311 Wed, Aug 12, 2009, 00:23
|
The smaller it is, the smaller it is, PV. If, indeed, you think this isn't a very big deal than it isn't.
Although you might be surprised by the need for this kind of thing in the rural areas. It isn't as if new parents in rural areas learn what they need to learn by watching cows.
:)
Overall, the perfect is the enemy of the good. The GOP has decided to yell this one out. This will probably be passed in September with slight Blue Dog-led modifications.
|
|
| | | 442 | holt
ID: 407521121 Wed, Aug 12, 2009, 00:38
|
You have a magic information/home-visiting wand PD? I was thinking that people would be paid to develop this program and to visit these homes and that they would be supervised and documented in a systematic way, and I was thinking that it would be tax dollars covering this.
You want some new program to teach ignorant families the ins and outs of germs and the food pyramid and the dangers of electrical outlets (what ever happened to people being educated at school)? Do it on your own dime. I doubt you you'd want to pay even $50 out of your own pocket for such a thing, but you're more than happy to pledge tax money to do it.
It frustrates me that so many Americans now believe in the concept that some kind of Utopian state can be built through the force of government. Just keep chiseling away.
|
|
| | | 443 | Madman
ID: 20131721 Wed, Aug 12, 2009, 03:19
|
Tree -- "out of curiousity, which part don't you like - that he is required to buy into COBRA, or that it is at 35%?" Both.
COBRA is an unnecessary hassle for exercising your HIPAA continuing coverage rights. And for the record, I understand perfectly well why it was placed in between the worker and the individual insurance market, yet I still oppose that mechanism for a variety of reasons that would take several pages to write up.
The 65% subsidy was bad because it stresses financially strapped employers, leveraged uncertified and frequently questionable premium rates to give access to care, and kept people in the antiquated and bureaucratic COBRA status that I'd like to eliminate. And in my solution, people in NY who lose their job would be put in limbo land, since the non-group market there is virtually destroyed. But I'd leave that up to New Yorkers to fix if they so choose.
I'd prefer boosting the size of unemployment checks directly, and give the unemployed the choice to stay connected to the health insurance market or not. Continuing to buy-in would guarantee their on-going coverage; fail to do so and they'd have to resort to charity care and emergency high-risk pools if they got into trouble.
We need to move toward a longer-term relationship between insured and insurance, regardless whether that coverage is group or non-group. Allowing you to slide from one category to the other carries some problems, but those problems are small relative to the larger cost problem.
Notice that my desire here is in diametric opposition to HR3200, which sets up strong incentives for yearly churn on the part of both the insured and the insurance company.
BR -- "We've built a system where we incentive the insurers to collect as much premium/profit as possible while paying out as little as possible." I disagree that current government regulation is that much of a failure. Further, the reputational aspects of the marketplace are severe and frequently underestimated.
The customers of insurance companies gravitate toward those plans that provide high perceived value, whether that value is direct payments to quality physicians, or good customer service, or knowledgable staff. The more value an insurance company provides its customer, the more likely it is to retain its membership, which has historically been critical to long-run success. You don't want to burn a long-standing relationship -- especially with an employer group -- just because of a one or two year change in health status.
It is obviously technically true that any company would love to provide the same quality for fewer inputs. To that end it is true that insurance companies continually review medical practices for abuse and/or poor medical outcomes (some companies pull Vioxx from their formularies well before the FDA because they noticed that their formularies were killing people), etc. Fewer worthless services rendered means lower premiums for the same quality product which means easier sales.
A similar argument holds true in the non-group market via the agent community, a lessen this Congress should heed. Agents know who is being treated well and who isn't; even though some can be bought off, reputation can be a killer. Interestingly, as Congress tries to reduce the power of agents and independent brokers, this reputational constraint on carriers weakens.
Now it is true that some carriers *purposefully* pursue lower-premium/lower-claim strategies built upon systematic prior-auth processes, etc. I personally don't see that as an inherently bad thing, with my only suggestion being that I would like to see such differences made more clear rather than making those differences illegal. We are all different and have a right to make those choices; we should try to facilitate that choice being conscious rather than unconscious.
If all else fails, we have a legal system of checks and balance. Insurance departments license carriers and act as consumer advocates. The court system is a venue of last resort, putting the government in a position of arbiter. Many conveniently forget about this system.
Lastly, the CBO expects utilization between any public plan and private insurance to be similar, with the major cost difference coming from potential reimbursement issues. You can interpret that as meaning that the public plan will be as corrupt as the current mix of private non-profits, for-profits, and quasi-government plans. Or you can interpret that as evidence that the profit/benefit payment concern in the private sector is overblown. Your choice. But either choice is a severe blow to HR3200 or the credibility of the CBO. ........................
Regarding the difficulty of determining the cost of service, I entirely agree with prior posts. If there's one thing I could fix about health insurance, that would be first. It is much, much harder to do that than anyone could possibly imagine.
Most healthplans are at least aware of the problem and are trying to do something about it. But I haven't seen any good solutions yet. The system is too complicated and due to get more complicated in the near future due to government mandated conversion to ICD-10 coding requirements. This is another area where we do need a significant change in the government/private paradigm. Unfortunately, it is entirely absent from HR3200 or the HELP bill, as best as I can see. (there is a lot of blather about transparency, but remember we had that under HIPAA, as well, which forced a uniform claim form and electronic file standards. Look where we are today.)
|
|
| | | 444 | Boldwin
ID: 48744122 Wed, Aug 12, 2009, 03:55
|
For those who want to know exactly what all these planned 'home visitations' and counseling sessions are all about they need to get current with the 'Goals2000' agda that I have been warning you guys about for a decade.
These plans to micromanage and usurp the family have been in the works since at least as far back as the Carter years. They were well matured set of totalitarian plans by the time of Clinton.
They are globalist in nature and utopian totalitarians all over the globe have similar programs well developed and ready to be implimented if not already deployed partially.
I know you all aren't any more up to reading a 1000 page 'Goals2000' inaccessible position paper than you are up to reading a 1000 page HR3200 bill, but your future is being screwed up by them just the same.
|
|
| | | 445 | Mith Dude
ID: 01629107 Wed, Aug 12, 2009, 09:05
|
Does anyone know where I can find malpractice losses per doctor trends compiled more recently than 2003?
|
|
| | | 446 | Pancho Villa
ID: 44752129 Wed, Aug 12, 2009, 10:53
|
The GOP has decided to yell this one out. This will probably be passed in September with slight Blue Dog-led modifications.
I agree with both sentences. That means there will be no bi-partisan bill, which will eventually reflect more negatively on Obama than the GOP. I don't think that's a fair reflection, but I do think it bodes ominously for Democrats in the 2010 midterms if the bill is perceived as complicated, confusing and, most importantly, expensive, because Obama, Pelosi and Reid will own it.
|
|
| | | 447 | biliruben Leader
ID: 589301110 Wed, Aug 12, 2009, 10:57
|
Madan: "The customers of insurance companies gravitate toward those plans that provide high perceived value, whether that value is direct payments to quality physicians, or good customer service, or knowledgable staff."
That may be true, but in many parts of the country, true choice is an illusion.

Even more so for the individual market, where regulation is much worse.
|
|
| | | 448 | Tree
ID: 41371322 Wed, Aug 12, 2009, 11:50
|
Madman - thank you, thank you, thank you, and bless you. While i am about to disgree with you - at least in the part that most affects *ME* - it is such a relief to see a rational, well-thought out explanation to opposition that is not high on hyperbole, outlandish lies, and any of the myriad of absurdities we've seen coming from the from the loud, ignorant, and extremist minority on the right.
The 65% subsidy was bad because it stresses financially strapped employers, leveraged uncertified and frequently questionable premium rates to give access to care, and kept people in the antiquated and bureaucratic COBRA status that I'd like to eliminate. And in my solution, people in NY who lose their job would be put in limbo land, since the non-group market there is virtually destroyed. But I'd leave that up to New Yorkers to fix if they so choose.
that 65% subsidy is the only reason i have insurance now. without, i would no longer be able to afford it, plain and simple.
I'd prefer boosting the size of unemployment checks directly, and give the unemployed the choice to stay connected to the health insurance market or not.
while this is all well and good, and not a bad idea, i think it would require a complete overhaul of the unemployment system, one which would require a complete federal take over, something i am guessing you are likely opposed to.
why do i feel that way? because right now, it doesn't make a whole lot of sense.
I live in NYC - arguably the most expensive place to live in the US - yet residents of NY get less money in their unemployment checks than people in states like Arkansas, Iowa, Kentucky, West Virgina, and about 25 other states.
Yes, i am choosing to live in NYC. no argument there. however, there needs to be a better balance - if there is going to be federal money put into unemployment checks for insurance at the unemployed's choosing (an idea i am not entirely unopposed to), then there needs to be federal input into the entire unemployment check.
There need to be better options - part of the problem with insurance is that it is VERY complicated. For both doctor and patient.
--------------------
which brings me to another, semi-related point. I was recently talking to one of my doctors - who i take to be a very candid, honest guy, based on our experiences. I asked him about the cost of something, and he explained a recent surgical procedure he did on another patient.
He talked about how there were some complications - basically, once they went into the patient, things were much more severe than showed up on x-rays and cat scans. The surgery took several hours longer than expected - it caused him to cancel several other appointments and surgeries that day - but the insurance company pays him for the procedure, not by the hour, so he got paid the same, and lost money for the cancellations.
that goes some of the way in explaining why we pay 400 bucks for an aspirin.
|
|
| | |
| | | 450 | biliruben
ID: 461142511 Wed, Aug 12, 2009, 13:13
|
re447: On top of that, health insurers can share loss and premium data via an anti-trust exemption, so even if there is "competition", it's just a nod and a wink away from price-fixing.
|
|
| | | 451 | Perm Dude
ID: 154552311 Wed, Aug 12, 2009, 14:28
|
Some more Hawking pushback.
This is the kind of stuff I think that Democrats need to concentrate on. Dems are getting caught up talking about the tactics of the town hall confrontations, the lies in the ads, the distortions of what are in plain English in the bill, etc. This becomes a "he said she said" thing, which plays into the media who want to talk about any issue in simple conflict terms.
Dems need to run against the current system. There's plenty not to like, lots and lots of anecdotes that nearly everyone understands and can relate to, and even those who want a free market system would have a hard time defending one in which consumers are unable to get information to make informed choices.
The system, as it is, is a mess. Demonstrating how the plan will straighten out the clear problems should be the priority of those who want it passed. Everything else detracts from that.
|
|
| | | 452 | biliruben
ID: 461142511 Wed, Aug 12, 2009, 14:51
|
And this info can't be provided on site during wellness visits?
I suppose it could, if kids went to their wellness visits. I can send you our current manuscript looking at wellness visits and how they relate to hospitalizations. And that's among those actually insured.
To be fair, if people aren't going to wellness visits, they probably won't be asking for a home consult either. But who knows. If you are a stay at home mom with 4 kids, it would probably be a lot easier for the nurse to come to you rather than cart your toddlers and infants on the bus.
|
|
| | | 453 | sarge33rd
ID: 17681812 Wed, Aug 12, 2009, 17:02
|
Would I rather my tax dollars paid for the treatment of illness resulting from 'poor' "wellness care"...
or.....
am I willing inclined to think that spending on "wellness care" to those demographics where statistics would indicate it is most needed, might well reduce the treatment of illness expenses later?
For my money, I'll take option 2.
|
|
| | | 454 | Boldwin
ID: 557171216 Wed, Aug 12, 2009, 19:44
|
By the time they are done those 'consultations' aren't going to be anymore 'voluntary' than the census which threatens fines if you don't let them invade your privacy.
|
|
| | | 455 | Boldwin
ID: 557171216 Wed, Aug 12, 2009, 19:52
|
It's all part of the incroaching big brother.
Just wait until some ex-felon Acorn worker comes to your house and threatens you with exhorbitant and exponentially increasing fines if you don't tell them where you work, when you leave home and when you return home.
Yeah, this is the government that is only *offering* consultation. No, they won't come around invading your privacy and telling you what to do. No, people never abuse their power. We should just give them more and more.
|
|
| | | 456 | Tree
ID: 41371322 Wed, Aug 12, 2009, 20:14
|
By the time they are done those 'consultations' aren't going to be anymore 'voluntary' than the census which threatens fines if you don't let them invade your privacy.
to parse that out, there is a big difference between threatening fines, and actually fining someone.
Has anyone ever been fined for not answering? i think not.
so this wasn't a true lie on your part, but more akin to just spreading misinformation by carefully chosen words.
|
|
| | | 457 | Razor
ID: 873520 Wed, Aug 12, 2009, 20:16
|
Let's just ignore the hysterics and continue on with a very worthy discussion.
|
|
| | | 458 | holt
ID: 407521121 Wed, Aug 12, 2009, 20:40
|
re 453 Option 1 - based in the world of reality Option 2 - based in the land of unicorns
Why not just expose people to this wellness stuff through traditional means? school, public service ads, etc.
If the objective is to fix flaws in the way that health insurers and health care providers operate, then just fix those things directly. Keep it simple. You plant all kinds of wild seeds into a bill and people are naturally going to wonder what those seeds may grow into at some time in the future.
|
|
| | | 459 | Perm Dude
ID: 154552311 Wed, Aug 12, 2009, 20:55
|
I'm not so sure that in-house preventative services isn't at its proper place in a health insurance reform bill. Where else would it be?
We're talking about a relatively small number of people, for who in-house preventative information is likely to do the most good.
And by "most good" I mean "cost taxpayers a lot less money in the end." Pay a little now or a lot later. Seems an easy choice to me.
Medicare already has an in-house option and has for a long time. Because it works.
|
|
| | | 460 | holt
ID: 407521121 Thu, Aug 13, 2009, 01:14
|
a few facts I found from this source: http://www.cato.org/pub_display.php?pub_id=9272
Wait times in Great Britain:
750,000 are on waiting lists for hospital admission; 40% of cancer patients are never able to see an oncologist; there is explicit rationing for services such as kidney dialysis, open heart surgery and care for the terminally ill. Further, minimum waiting times have been instituted to reduce costs. “A top-flight hospital like Suffolk Est PCT was ordered to impose a minimum waiting time of at least 122 days before patients could be treated or the hospital would lose a portion of its funding.” ___________________
OK, so this is obviously a situation that we don't want here in the U.S. So, to avoid long wait times here, what's the plan? No propaganda or BS please. I want to know that the Democrats have thought this through enough that wait times are guaranteed to not be an issue. Lay the logic and facts out for me please. What steps will be taken to avoid this completely unacceptable situation?
|
|
| | | 461 | Perm Dude
ID: 154552311 Thu, Aug 13, 2009, 01:34
|
That's a great question, holt. The first thing I think we have to realize is that HR3200 isn't planning a single payer system (which is what the UK has). It isn't even planning a system like Canada.
The main difference in wait times has to do with those people who don't have insurance at all. Their wait times are, essentially, forever. The worry seems to be that, once the government gets involved in addressing some of the many, many problems in the current system (which already rations care, like it or not), by doing things like telling insurance companies that they cannot refuse coverage for people based on pre-existing conditions and so on, that wait times will increase.
Honestly, the biggest problem causing these wait times in the first place has nothing to do with care, but the slowdown that all the paperwork causes. A secondary reason is that doctors have absolutely no incentive to innovate in their care which can save lots of money and time. HR3200 addresses both of these problems.
I think there can be some honest debate about how well the bill goes after these problems, but we can certainly say that the current system isn't interested at all in lowering wait times for any procedures at all.
|
|
| | | 462 | Madman
ID: 20131721 Thu, Aug 13, 2009, 03:31
|
Tree 448 -- The 65% subsidy may be why you have insurance in NY. But that is a funding problem, not an access problem. I think it should be addressed as such. Further, if you lived in Arkansas, you could get very cheap individual insurance. I see no reason why we should force a suboptimal federal solution to compensate for the fact that NY has basically outlawed insurance.
Regarding the doc ... it is mostly true that insurance companies pay by procedure. Many insurance companies would independently prefer different arrangements, but usually can't get the docs to sign on. Specifically, Kaiser-like salary staffing would eliminate the issue you described. Capitated arrangements would, as well. Docs individually and collectively choose to be paid by procedure because they find that it makes them better off on some other dimension. There is some risk associated with that.
The $400 aspirin is caused by a generally different issue. Most of those charges are facility charges and that's whole different story.
Suffice it to say, most old time actuaries I know long for the 1960s back when insurance companies paid for services by the hour. That gradually dissolved as Medicare built up this maddening claims superstructure. Now, even if you wanted to avoid that superstructure, you can't, legally. And, if anything, it will get worse under HR3200, where physician quality and plan performance will be monitored through mandatory data reporting ... which requires more paperwork and detail claim payments on the front end.
As to the docs and prior auths, yes it can be maddening. Again, most docs could choose to deny your insurance. And they probably should if they think it is interfering with their practice. My company does very little; I got a sad chuckle when my wife got an extra ultrasound and I saw big black lettered warnings about other carrier payment policies.
Not sure why a doctor would advertise payment problems from various other carriers since biliruben doesn't believe anyone else in Arkansas has a legitimate choice in insurance. But I did see it.
BR -- I think there are two main things that could be done with insurer monopoly power. (a) they could deny claims at horrendous rates, which drives down medical costs and medical cost inflation. I would suggest that you don't see that happening in the areas you are highlighting. (b) they could drive up premiums for a given level of benefits; this will create a lucrative opportunity for sophisticated national players. That problem will take care of itself. Although they are trying to buy even more help from the government to boost their access to such markets.
It is also interesting that many of the "monopolies" you decry are member-owned non-profit cooperatives.
If the public plan would achieve that sort of market dominance, how would you react?
|
|
| | | 463 | Madman
ID: 20131721 Thu, Aug 13, 2009, 03:38
|
I hate to double post, but I do need to be absolutely clear that my previous post is not misinterpreted in any way shape or form. I do not agree with BR's premise that high market share equates to limited choice or options, nor do I believe the markets in question are monopolistic. The same is true of the individual market in my state, and especially true of the senior marketplace. I just have to be careful that everyone understands that just because I didn't take direct issue with that assertion doesn't mean that I agreed with it.
And for everyone else, I will point out that in every presentation I've attended at a trade seminar this week, they have gone over anti-trust restrictions on what information we can share. We absolutely can NOT share pricing information, despite any assertion to the contrary.
|
|
| | | 464 | biliruben Leader
ID: 589301110 Thu, Aug 13, 2009, 04:00
|
Right. You can't share pricing information. You can share all the components you need to figure it out, however. That was a running joke at the company I worked at, though that was on the property casualty side. We had to back out investment income using standard ratios which everyone knew to create something called "lost costs", which was just a small step from true pricing. Once you went back and reapplied them - you had premium rates.
Legalized collusion.
|
|
| | | 465 | holt
ID: 407521121 Thu, Aug 13, 2009, 04:22
|
PD, I understand that hr 3200 isn't about a single-payer system, but there is reason to believe that it's just an incremental step in that direction. An initial compromise, or latch, of sorts. It's the final goal, isn't it?
|
|
| | | 466 | biliruben Leader
ID: 589301110 Thu, Aug 13, 2009, 04:32
|
I bloody well hope so, but I'm not holding my breath.
|
|
| | | 467 | biliruben Leader
ID: 589301110 Thu, Aug 13, 2009, 04:37
|
As far as denying claims, no they just toss the pricey risks off the rolls.
Rescissions are only like .5%, right? Wrong:
It should be fairly clear that the people who do not file insurance claims do not face rescission. The insurance companies will happily deposit their checks. Indeed, even for someone in the 95th percentile, it doesn’t make a lot of sense for the insurance company to take the nuclear option of blowing up the policy. $11,487 in claims is less than two years’ premium; less than one if the individual has family coverage in the $12,000 price range. But that top one percent, the folks responsible for more than $35,000 of costs – sometimes far, far more – well there, ladies and gentlemen, is where the money comes in. Once an insurance company knows that Sally has breast cancer, it has already seen the goat; it knows it wants nothing to do with Sally.
If the top 5% is the absolute largest population for whom rescission would make sense, the probability of having your policy cancelled given that you have filed a claim is fully 10% (0.5% rescission/5.0% of the population). If you take the LA Times estimate that $300mm was saved by abrogating 20,000 policies in California ($15,000/policy), you are somewhere in the 15% zone, depending on the convexity of the top section of population. If, as I suspect, rescission is targeted toward the truly bankrupting cases – the top 1%, the folks with over $35,000 of annual claims who could never be profitable for the carrier – then the probability of having your policy torn up given a massively expensive condition is pushing 50%. One in two.
|
|
| | | 468 | Boldwin
ID: 377311312 Thu, Aug 13, 2009, 13:31
|
Holt
He out and out said that was his aim during the campaign. I could find you the youtube if you'd like.
------
Not one of you libs is unhappy with giving the government the key to unlimited electronic access to your bank account?
Just one more example of this being way more over-reaching than just taking over healthcare.
|
|
| | | 469 | Perm Dude
ID: 154552311 Thu, Aug 13, 2009, 13:57
|
Find the youtube. Go ahead. I'm sure it is being taken out of context as well. Or, one can look at the platform he actually ran on (pdf).
Not one of you libs is unhappy with giving the government the key to unlimited electronic access to your bank account?
Another lie. Jeezus, don't you get it? Another out-of-context lie.
The Baldwin's of the world like to scare people. It is their only way of controlling an argument, since they are so light on actual facts.
The best comparison isn't the UK or Canada, but France, btw.
|
|
| | | 470 | Wilmer McLean
ID: 37652917 Thu, Aug 13, 2009, 15:42
|
Holt, Boldwin RE: 465, 468
Check out posts 280 for the video, 286 for the quotes and 296 for the White House video response.
Obama in 2003 and 2007 from Newsbusters
(PD, I am still confused about your 281 comment.)
|
|
| | | 471 | Tree
ID: 41371322 Thu, Aug 13, 2009, 15:49
|
Madman - Tree 448 -- The 65% subsidy may be why you have insurance in NY. But that is a funding problem, not an access problem. I think it should be addressed as such. Further, if you lived in Arkansas, you could get very cheap individual insurance. I see no reason why we should force a suboptimal federal solution to compensate for the fact that NY has basically outlawed insurance.
thanks - it's all definitely part of an interesting conundrum, and one that i think has to be solved at a national level. The fact that if i get injured in NY state and my insurance covers me, while if i have the same injury in Washington state i will not be covered, is stupid.
our insurance system is absolutely broken. And yes, there are four different plans going in different committees right now, and these town hall meeting - once the loudmouths, idiots, and liars (see: with giving the government the key to unlimited electronic access to your bank account? as an example) - pipe down and allow RATIONAL discussion, questions get answered.
kind of like what you're doing now, actually. Thanks!
|
|
| | | 472 | Boldwin
ID: 42711315 Thu, Aug 13, 2009, 16:01
|
The brother of the president's chief of staff Rahm Emanuel [Dr. Ezekiel Emanuel], described how healthcare will be rationed, and the criteria to be used in PDF here and discussed here:Specifically, how medical care is planned to be allocated (rationed) in the United States was described in the January 31st issue of the journal Lancet in “Principles for allocation of scarce medical interventions” by Dr. Emanuel and colleagues. In making rationing decisions, they recommend an alternative triage system they called “the complete lives system, which prioritizes younger people who have not yet lived a complete life.” Their ‘complete life’ principle also purportedly includes prognosis, lottery and instrumental value principles.
They first rejected caring for the sickest people first, writing:Preferential allocation of a scarce liver to an acutely ill person unjustly ignores a currently healthier person with progressive liver disease, who might be worse off when he or she later suffers liver failure… [However], when interventions are persistently scarce, saving the progressively ill person later will always involve depriving others. What is instrumental value? It “prioritizes specific individuals to enable or encourage future usefulness,” they wrote. “Responsibility-based allocation—eg, allocation to people who agree to improve their health and thus use fewer resources—also represents instrumental value allocation.”
Youngest first, they explained, directs resources to those who’ve had “less of something supremely valuable—life-years.” Their proposed ‘complete lives’ principle modifies the youngest-first principle, they wrote, by prioritizing adolescents and young adults over infants. “Adolescents have received substantial education and parental care, investments that will be wasted without a complete life. Infants, by contrast, have not yet received these investments.” They supplied an age graph, showing how healthcare resources will be prioritized:

The ‘complete lives’ system also considers prognosis, since its aim is to achieve complete lives. “A young person with a poor prognosis has had few life-years but lacks the potential to live a complete life… When the worst-off can benefit only slightly while better-off people could benefit greatly, allocating to the better-off is often justifiable,” they wrote. In conclusion:When implemented, the complete lives system produces a priority curve on which individuals aged between roughly 15 and 40 years get the most substantial chance, whereas the youngest and oldest people get chances that are attenuated… the complete lives system justifies preference to younger people… Age can be established quickly and accurately from identity documents It's gonna be quite a rollercoaster all you baby boomers. All downhill from here.
But not to worry, we've all heard how great socialism is working in Sweden:This week, news in Sweden reported a woman had been left to endure incredible pain due to a treatable condition for four years from the age of 79; then had to wait more than a year to see a specialist in the public healthcare system before being told she was too old to get a surgery she needed. She was given pain pills and turned away. ‘I can understand that the county feels it is expensive to 'fix' us elderly, there more and more of us,” she told Östgöta Correspondente, “but in general, I am healthy. We end up paying for healthcare for younger people, but we don’t get anything ourselves.”
|
|
| | | 473 | Wilmer McLean
ID: 37652917 Thu, Aug 13, 2009, 16:02
|
Politifact.com Truthometer - "I have not said that I was a single-payer supporter." - Barack Obama on Tuesday, August 11th, 2009 in a town hall meeting in New Hampshire
...
In other statements, Obama has spoken favorably of single-payer in concept, but always adding qualifiers.
In February 2004, about a month before the primary election in the U.S. Senate race, the Associated Press reported the stance of all the candidates on universal health care. "Obama says he supports the idea of universal health care but does not think a single-payer government system is feasible. He says the government should be the health care provider of last resort for the uninsured." In a rundown of all the candidates' positions, the Associated Press summarized Obama's position as "Support, but 'probably not at this stage,' a single-payer government system."
In his book The Audacity of Hope , published in October 2006 when he was a U.S. senator, Obama described single-payer as the hope of the left, while those on the right wanted a market-based approach. "It's time we broke this impasse by acknowledging a few simple truths," Obama wrote, suggesting a system much like the one he supports today.
In April 2007, a few months after he declared his candidacy for presidency, the Chicago Tribune reported, "Obama has pledged that, if elected, all Americans would have health-care coverage by the end of his first term. He has said he is reluctant to switch to a 'single-payer' national health insurance system because of the difficulty in making a quick transition from the employer-based private system." But the 2003 video strikes a very different tone from the remarks above. After weighing all the evidence, we concluded that Obama, as a candidate who was trying to appeal to a liberal electorate, took a strong position on single payer, but then over the years moderated his position to appeal to a broader national audience. We rated him a Half Flip on our Flip-O-Meter, a tool we use to gauge when political leaders and other change position.
Getting back to Obama's statement in Portsmouth, he said, "I have not said that I was a single-payer supporter because, frankly, we historically have had a employer-based system in this country with private insurers, and for us to transition to a system like that I believe would be too disruptive."
But he has said in the past he supports a single payer plan, and the questioner was correct that Obama's thinking has evolved over the years. Obama's answer strikes us as too artful. The 2003 YouTube video shows at one time he supported a single payer system with little to no reservation. We agree that Obama does not support single payer now, but it's not correct to say that he has never supported it, which is certainly the impression you get from the answer he gave at the town hall. We rate his statement False.
------------------------------------------------
And according to Politifact:
"If you like your health care plan, you can keep your health care plan." - Barack Obama on Tuesday, August 11th, 2009 in a town hall meeting. (Half True)
“AARP is "endorsing" the health care reform bill.” - Barack Obama on Tuesday, August 11th, 2009 in a town hall on health care. (Barely True)
|
|
| | | 474 | Boldwin
ID: 6731315 Thu, Aug 13, 2009, 16:03
|
That initial PDF was from Lancet.
|
|
| | | 475 | Perm Dude
ID: 154552311 Thu, Aug 13, 2009, 16:03
|
#470: The desire for portable health care insurance isn't the same as advocating a single-payer system. One can take what he said in 2007, twist it around a bit (by saying "no employer-based insurance must mean single payer") and maybe, if you squint, come up with that.
There really is no substitute for what he is planning than what he's already laid out. Rejecting his actual plans for pre-formed "he must actually mean" opinions based upon selectively reading into cherry-picked talks from a couple of years ago seems to be a bit of a head-in-the-sand process to me.
I really don't get it. There's plenty not to like about the plan, but conservatives seem intent on fighting what isn't actually in there. I don't know why those people who truly oppose the plan seem so unwilling to understand it and fight it on its own terms. A fact-base opposition would be so much more effective, plus draw into the debate the independents who flocked to Obama for the campaign.
|
|
| | | 476 | Wilmer McLean
ID: 37652917 Thu, Aug 13, 2009, 17:20
|
RE: 475
There really is no substitute for what he is planning than what he's already laid out. Rejecting his actual plans for pre-formed "he must actually mean" opinions based upon selectively reading into cherry-picked talks from a couple of years ago seems to be a bit of a head-in-the-sand process to me.
That's why I posted 296 and 470, for some balance.
------------------------------------------------
Post 192 is fact-based, provoking an argument that technological advancements may be stifled.
Technological Change and the Growth of Health Care Spending - January 2008 - Congressional Budget Office (pdf.)
|
|
| | | 477 | Perm Dude
ID: 154552311 Thu, Aug 13, 2009, 17:34
|
Wilmer, the link you posted in #470 is exactly the kind of speculation and taken-out-of-context stuff which muddies the water. Is isn't "balance" to post someone who confuses moving away from employee-based health care plans to being a single payer system. Such a speculation doesn't appear to have even considered a system like France's however, in which many employers have done away with health care plans and simply raised salaries so that employees are free to buy their own plans.
I do want to get back a bit on the technological advances argument, since it is my belief that the current system stifles creativity in many, many ways by eliminating incentives to harvest and implement change from within. As I pointed out previously, there is no incentive for a doctor to not order every test in the book, which costs a ton of money for everyone involved.
|
|
| | | 478 | Perm Dude
ID: 154552311 Thu, Aug 13, 2009, 17:44
|
Are you blaming Dr. Emanuel for that Swedish woman's pain now, Boldwin? What has happened to his points is that the qualifiers he always puts in are stripped out, then other country's plans (which are now the goal of HR3200) are thrown in with some scary anecdotes.
In the case of scarce resources, any decision which involves the use of those resources can be considered rationing.
From a Time article on Dr. Rahm:
The attacks on Emanuel are a reminder that there is a narrow slice of Americans who not only don't trust government, but also have come to regard it as a dark conspirator in their lives. This peculiar brand of distrust helps create the conditions for fast-moving fear-mongering, especially on complex and emotionally charged topics like the life and death of the elderly and infirm. Prairie fires of that kind are hard to douse when the Administration's own plan for health care remains vague, weeks away from being ready for a public rollout. The health-care bill that recently passed the House does not contain, as some have suggested, any provisions that would deny treatment to the elderly, infirm or disabled like Sola's son. One provision allows doctors to be reimbursed for voluntary discussions of so-called living wills with patients, but does not in any way threaten to deny treatment to dying patients against their will.
|
|
| | |
| | | 480 | biliruben
ID: 461142511 Thu, Aug 13, 2009, 18:29
|
Wilmer - while I grant we may see some pullback in spending on medical technology I posit that:
1) This may be a good thing for some situations where a new, vastly more expensive technology replaces a proven, much cheaper technology, but only offers minor incremental improvement. These sorts of technologies are actually much more costly because, in order to compete for the best and brightest docs, hospitals often are forced to buy the technology even though the community has more than enough already.
2) Non-medical advancements are currently being stifled because workers, afraid of leaving a large company with good health benefits, choose to not pursue their ideas that would lead to new small businesses and innovation in a variety of technologies, because they can't risk going uninsured.
|
|
| | | 481 | Wilmer McLean
ID: 37652917 Thu, Aug 13, 2009, 18:37
|
RE: 477
My poor typing, I meant 296 and 473.
|
|
| | | 482 | biliruben
ID: 461142511 Thu, Aug 13, 2009, 18:45
|
Not having gone back to look at the clips, I found 473 believable. Sounded about right.
As an aside, do you work for the IRS, Wilmer?
|
|
| | | 483 | Perm Dude
ID: 154552311 Thu, Aug 13, 2009, 18:57
|
I agree with bili. Putting aside my own pet peeve of labeling a positional evolvement over time as a "flop," it seems clear that the more time Obama thought about the issue on a national level the more he came to believe that the system he proposed (working with the system in-place) is best.
|
|
| | | 484 | Wilmer McLean
ID: 37652917 Thu, Aug 13, 2009, 19:08
|
bili, good points.
Your second point is intriguing - an argument for government reform that will tangentially "stimulate" private entrepreneurship.
Your first point shows that attempting to clear wasteful spending has at least one possible consequence - the possible loss of some of the best and brightest docs at some hospitals.
from 196:
…the general consensus among health economists is that growth in real health care spending was principally the result of emergence of new medical technologies and services and their adoption and widespread diffusion by the U.S. health care system.
…
Because of the above statement, health care reform will probably have to target spending on new medical technologies. Any reform will have to be well thought out to reduce that spending while keeping medical technological advancements from decelerating or stagnating.
|
|
| | | 485 | Wilmer McLean
ID: 37652917 Thu, Aug 13, 2009, 19:10
|
bili RE: 482
No. But, in a way, we all do. ;)
|
|
| | | 486 | biliruben
ID: 461142511 Thu, Aug 13, 2009, 19:16
|
I was actually trying to give a picture of an arms-race sort of situation. The docs are still in the community, but they reside at the hospital that has the shiniest toys.
This is a problem because, say, a community has 3 hospitals and performs enough MRIs to support 1.5 imagers. What I'm seeing is that all 3 hospitals get the imager, because they are otherwise at a disadvantage in recruiting. So hugely expensive machines sit unnecessarily idle.
|
|
| | | 487 | biliruben
ID: 461142511 Thu, Aug 13, 2009, 19:17
|
Heh.
Yeah, I just Wikied Wilmer McLean. Interesting history, and my guess is his stint at the IRS is not why you chose the handle.
|
|
| | | 488 | Madman
ID: 20131721 Fri, Aug 14, 2009, 00:44
|
br 464 -- No, we can't share everything necessary to build up a price. Each state has anti-trust protections. Now, it is true that virtually all states have thought that it was in the public interest to enforce portability of claims experience, etc., to preserve a viable marketplace. Health insurers are one of the most regulated industries, for a host of legitimate reasons.
I'll close on this point by noting that one cannot intellectually support HR3200 or its ilk and also criticize the current information exchange between plans. Think about the massive quantity of detailed, line-item information we will be forced to share with each other to spread the premium base through risk adjustment, set community rates, etc.
br 467 -- (a) you are talking California. What is going on there is illegal in most states. As such it is a red herring.
(b) The author of that point of view is totally wrong about rescission and when you would do it. The sentinal impact of rescision is far, far more valuable than avoiding the claim impact from a lone individual, even a very high cost individual. Take the SG market. If the insurance company knowingly lets the agent fill out a fraudulent ap, that doesn't impact just one employer. That impacts your entire block of business. You just can't let agents lie on behalf of groups. Credibly enforce that policy by rescinding fraudulently acquired policies -- even of perfectly healthy groups -- and your life as an insurance company will be a billion times easier. You will be able to rely on the information in applications.
And it goes well beyond health status. Employers may try to bait-and-switch with the census or payroll information they give you. They may tell you that they have 19 employees when they really have 20 (which is the magic cutoff for whether the feds via Medicare will be the primary insurer for aged 65+, a fact which may save/cost the small company thousands of dollars). Etc. For these reasons and a host of others, the percentage application as suggested by that blogger is whacked. Rescission exists first and foremost as a means to enforce honest contractual arrangements.
Not coincidentally, it is heavily regulated and there are a host of checks and balances with it ... just as their will be under HR3200, which effectively will cement at the federal level what is current rescission law in most states ... with an extra third party review process. (See Sec. 162).
Tree 471 ... "The fact that if i get injured in NY state and my insurance covers me, while if i have the same injury in Washington state i will not be covered, is stupid." I'm surprised by this. In Arkansas, we are not allowed to sell such coverage. I had thought most of the no-out of network coverage plans were made illegal back in the early 1990s with the backlash to managed care. Huh. Talk to Cuomo.
Now, if you sign up with a company that has a crappy national network, you may have to go out of network and pay more, yada yada. But that's your choice in plan (or your employer's, esp. if you have COBRA).
BR -- 2) Non-medical advancements are currently being stifled because workers, afraid of leaving a large company with good health benefits, choose to not pursue their ideas that would lead to new small businesses and innovation in a variety of technologies, because they can't risk going uninsured. All employers with at least two employees are guaranteed access to insurance. Almost all states have guaranteed access to insurance.
And although I understand that fear may exist, also recall that today's rating methodologies reward employers who invest in the health of their workers, limit exposure to toxic chemicals, build wellness facilities, give out flu shots, push for low copays on generic medicines for chronic conditions, etc.
After 2018 in HR3200, no employer will have a direct financial incentive to provide for the health of their workforce, aside from the direct absenteeism cost.
The big market push that got us first-dollar coverage of preventive services, etc., won't be around for the next set of financing innovations.
|
|
| | | 489 | Madman
ID: 20131721 Fri, Aug 14, 2009, 01:24
|
A fact-base opposition would be so much more effective, plus draw into the debate the independents who flocked to Obama for the campaign.
Ok, here's one. Why is it a good idea to have a government-defined health plan that will limit a family of 4's annual cost to just under $20,000 (likely $25,000 in pre-tax income; calcs are taken from the max premium given the subsidy plus the out of pocket max). That's for a family at 400% of the FPL.
Can't you get to something like that for a lot less than $1 trillion over 7 years? The answer is yes, but not through the House.
|
|
| | | 490 | Perm Dude
ID: 154552311 Fri, Aug 14, 2009, 01:29
|
Sure. There are lots of ways to lower costs, such as a British or Canadian system. But the realities of the House are much like the realities of the free market: You're just as dead. So to speak.
I believe the $1 trillion estimate has been upped a bit. And last time I checked it was over 10 years. But with some options in flux I'm feeling very sorry for the overworked accountants in the CBO.
|
|
| | | 491 | Perm Dude
ID: 154552311 Fri, Aug 14, 2009, 01:33
|
As an aside, I've long advocated moving health care away from an employment-based benefit, by giving some of that money in the form of higher wages so that workers can purchase their own insurance (just like auto insurance).
This is why I think those that believe Obama's statements about moving away from employer-based health insurance is the same as advocating a single payer system are making a mistake. The French system would be a better model for what he's doing than the UK.
|
|
| | | 492 | Tree
ID: 41371322 Fri, Aug 14, 2009, 01:40
|
Tree 471 ... "The fact that if i get injured in NY state and my insurance covers me, while if i have the same injury in Washington state i will not be covered, is stupid." I'm surprised by this. In Arkansas, we are not allowed to sell such coverage. I had thought most of the no-out of network coverage plans were made illegal back in the early 1990s with the backlash to managed care. Huh. Talk to Cuomo.
Now, if you sign up with a company that has a crappy national network, you may have to go out of network and pay more, yada yada. But that's your choice in plan (or your employer's, esp. if you have COBRA).
all of the insurance my employers in ny have ever seemed to be regional.
and i should clarify - technically, there is out of next work coverage. but it goes along the lines of if i get injured in-network, my ER visit has a 100 dollar co-pay. out of network, it's more like 1000+.
|
|
| | | 493 | Madman
ID: 20131721 Fri, Aug 14, 2009, 01:41
|
And last time I checked it was over 10 years. Fair enough. I was referencing the fact that the spending doesn't start until 2013 and therefore only lasts for 7 of the 10 years in the budget window.
I would argue that you don't have to enact cost reform to achieve the House's goal in much of the country. If they would exempt the regions of the country that are already achieving what they consider to be "affordable" policies, I could come closer to supporting the bill.
In the *high risk pool* in Arkansas, your maximum possible bill may not be any higher than what this Congress is proposing. It's unbelievable. And they think they are doing people favors.
|
|
| | | 494 | Perm Dude
ID: 154552311 Fri, Aug 14, 2009, 01:52
|
If they would exempt the regions of the country that are already achieving what they consider to be "affordable" policies, I could come closer to supporting the bill.
Interesting. But what about the other goals of the bill, such as ensuring health insurance coverage for those who don't have it? Or another goal of portability of coverage--those moving into an "exempt" area would no longer be covered by the provisions of the law? Or removing pre-existing conditions as a reason to not offer insurance to an applicant?
Wouldn't you simply be trading one goal for the other?
|
|
| | | 495 | holt
ID: 6740140 Fri, Aug 14, 2009, 04:08
|
(5) Religious conscience exemption.—
``(A) In general.—Subsection (a) shall not apply to any individual (and any qualifying child residing with such individual) for any period if such individual has in effect an exemption which certifies that such individual is a member of a recognized religious sect or division thereof described in section 1402(g)(1) and an adherent of established tenets or teachings of such sect or division as described in such section.
``(B) Exemption.—An application for the exemption described in subparagraph (A) shall be filed with the Secretary at such time and in such form and manner as the Secretary may prescribe. Any such exemption granted by the Secretary shall be effective for such period as the Secretary determines appropriate.
I'm trying to dig through this bill to get some kind of clue on how much govt health insurance would cost me. Still haven't got a clue, but I keep stumbling over sections like the one above that just floor me.
Anyway, I'm 38, have chosen not to carry health insurance my whole adult life, saving myself something in the ballpark of $30-50K so far. I've never been in the hospital so it's been pure profit so far. From what I gather, if I continue to choose not to carry insurance, I'll be taxed for making this decision. In effect, I'll be forced to start carrying insurance, right? I think is this is utter bullshit.
I have no idea how much $ this bill will suck out of my bank account every month, well, not my account, but those of the local game shop, the music store, restaurants, the book store, online electronics dealers, sellers on EBAY, hotels, etc. The anti-stimulus bill.
Point me to the section of this bill that tells me how this is going to directly affect my finances. Actually, I think I've found the section, and it's still not giving me any clue. It kinda sounds like it will cost me about the same as what other providers charge. ?
Also, who is this Secretary who is so wise in the ways of religion? I might want an exemption from this program but I doubt the Secretary will find that my personal beliefs are of equal standing to those of recognized religious sects. My best option may be to join a recognized religious sect and adhere to its tenets and teachings to the satisfaction of the Secretary. I need a list of the religious sects that the Secretary recognizes.
The fact that religion has to be a part of this bill indicates to me that there is something deeply and fundamentally wrong with it. I can almost guarantee I'll apply for an exemption just so I can see the process of how they judge the quality of adherence to tenets and teachings.
Another thing I'm seeing here, some employers that don't currently offer health insurance to their employees (prob because they can't afford to offer it) are going to be shredded, apparently. The fiscal pain will be passed on the their employees, future ex-employees, and customers no doubt.
Reading this damn bill is killing me. Ironic.
|
|
| | | 496 | holt
ID: 6740140 Fri, Aug 14, 2009, 05:03
|
I've discovered that taking the religious exemption would make me ineligible for social security benefits of any kind (and medicare I would imagine). It would be silly to opt out of social security since I've already been paying for it for 20 years.
For someone just starting out though, opting out could be a great plan. You could take that money and invest it and by the time you're 40 you'd really have something. I believe Christian Science is the religion you're looking for there. Kind of a wacky religion but lots of exemptions.
|
|
| | | 497 | Boldwin
ID: 58738144 Fri, Aug 14, 2009, 05:38
|
It just may do more for Christian Science than Mary Baker Eddy!
I just begged and begged my bookkeeper for an exemption to SS when I was young but he never could find one. Now THAT is a valuable exemption.
|
|
| | | 498 | Madman
ID: 20131721 Fri, Aug 14, 2009, 10:35
|
PD 494 -- What are the goals of the bill? It isn't entirely clear.
My goals for insurance reform would be to (1) simplify and broaden the portability protections that already exist to a large extent; (2) extend those portability protections to the individual market (this in itself will have HUGE ramifications for markets like Arkansas, but I think in the context of the broader debate, I'd still support this gamble); (3) require all states to guarantee access to insurance through one mechanism or another. I'm not sure how Alabama and a couple of others escaped HIPAA on this.
Once you've done the above, then you have (a) funding issues, and (b) "spreading" the risk concerns. Prices will go up in the individual market if you do the above (the group market will be largely unchanged). How much they will go up, however, is uncertain to me. I'd advocate passing the mandate and see what happens. IF AT THAT TIME we need additional funding, then go for it.
Obviously, this is not the position of the health insurance industry, because what I just proposed runs the risk of substantially reducing the individual market for no return to them. But as a public policy approach, I think that gamble is worth it.
(b) You have to prioritize problems and solutions here. Like Obama during the campaign, getting everyone into the insurance system isn't one of my main goals. I'm more concerned with making sure everyone has access to that system.
Separately, we have a funding problem for those recently unemployed, for those who are older and can't afford the full increase in costs as you age (regardless of health status). Etc. I'm willing to consider funding mechanisms, but only insofar as they are fully paid for.
I also think that the tactic of using portability to make funding more popular is immoral. You pass the portability adjustments as an amendment to HIPAA. Get it done. Funding is a bigger issue. Pass what you can pass (see prior posts on COBRA). SCHIP. Medicaid expansion. Continue to boost health clinics (I think Dems are getting behind that Bush initiative). You have serious problems in rural America with access to care, even when they have access to government insurance. Therefore, expanding government insurance by itself may do very little for people.
Longer term, I'd look for creative ways to the split the healthcare dollar between public and private. I'd consider dividing treatments into hierarchies. Those related to public health and prevention I would fund at the government level and avoid the "insurance" middle man; that's not insurance and shouldn't weigh the insurance system down. Consider removing maternity and preemies from the insurance dollar and socializing that cost (there would be an uproar, but I think you can make an argument). Etc.
But you do it in paid-for steps. This notion that you must do everyone in one enchilada or the whole house of cards falls apart is academic baloney.
|
|
| | | 499 | Perm Dude
ID: 154552311 Fri, Aug 14, 2009, 11:29
|
You might be right that baby steps might work, but the nature of large issue problems is that attacking problems one limited slice at a time actually brings out more focused opposition each and every time. At best, this increases attrition to change (and, since some needed reforms aren't exactly sexy politically, it is easy to see the banner for many reforms simply not picked up). Most big problems get solved (or, are on their way to being solved) through compromise legislation in which everyone can get on board.
Patrick Appel discusses the slice-and-dice method and comes to the same conclusion.
Of course, this assumes that some people at the table aren't irrational or craven, as James Fallows points out.
|
|
| | |
| | | 501 | Boldwin
ID: 207261412 Fri, Aug 14, 2009, 13:26
|
Oh no, there is no way the far left would push for that.
There is also no way they will not push for coercing doctors into performing abortion.
Just like there was no way they weren't going to resist the urge to force pharmacists of conscience to dispense abortifactants.
You guys painting this as crazy talk act as if people have never met a liberal before.
|
|
| | | 502 | Boldwin
ID: 17281412 Fri, Aug 14, 2009, 13:28
|
Oh no, there is no way the far left would push for that.
There is also no way they will not push for coercing doctors into performing abortion.
Just like there was no way they could resist the urge to force pharmacists of conscience to dispense abortifactants.
You guys painting this as crazy talk act as if people have never met a liberal before
|
|
| | | 503 | Boldwin
ID: 267291412 Fri, Aug 14, 2009, 13:29
|
Why does the self-editor fail to give you the check-off option sometimes?
|
|
| | | 504 | biliruben
ID: 461142511 Fri, Aug 14, 2009, 13:30
|
Different ID. Are you using a different computer or do you have variable IP?
Either that, or the liberals have crawled inside your machine and are f'in with you.
|
|
| | | 505 | Perm Dude
ID: 154552311 Fri, Aug 14, 2009, 13:31
|
No, we're painting it as crazy talk because you are saying "A" is "B" without even bothering to admit there is any difference at all.
On the facts, you are wrong. Your vivid imagination of what you believe might happen notwithstanding. On virtually every factual point you are wrong, and your reply is the same: "THEY WON'T STOP!!" and "'Liberals'" will 'push' for it" in some amorphous, unspecified way without the legal tools for them to do so.
In this way the elderly making decisions about their own end-of-life dignity with their own doctors becomes death-by-bureaucrat for babies.
|
|
| | | 506 | Boldwin
ID: 50761413 Fri, Aug 14, 2009, 14:06
|
unspecified way without the legal tools for them to do so.
That bill is jam packed with multiple avenues to deny care. I've pointed out the specific lines and you just don't want to believe that the Hastings Institute luminaries Obama is listening to will actually use those tools to impliment what they have been advocating for decades.
|
|
| | | 507 | Boldwin
ID: 19791413 Fri, Aug 14, 2009, 14:09
|
Nor do you chose to believe that the planet's most fervent believer in the duty of the elderly and disabled to just die, namely George Soros, will actually call in his marker and receive payment in full from his lackey, bought and paid for.
|
|
| | | 508 | Perm Dude
ID: 154552311 Fri, Aug 14, 2009, 15:15
|
re 476, on the innovation question:
Matt Steinglass has been having a running debate on this question with Megan McArdle on this point that is probably worth looking over.
|
|
| | | 509 | sarge33rd
ID: 17681812 Fri, Aug 14, 2009, 15:21
|
That bill is jam packed with multiple avenues to deny care.
Right.{/sarcasm} And how many checking accounts right now in the country, are busily 'denying care'?
|
|
| | | 510 | Mith Dude
ID: 01629107 Fri, Aug 14, 2009, 15:27
|
More on the outrageous hypocrisy of the death panel claim You would think that if Republicans wanted to totally mischaracterize a health care provision and demagogue it like nobody's business, they would at least pick something that the vast majority of them hadn't already voted for just a few years earlier. Because that's not just shameless, it's stupid.
Yes, that's right. Remember the 2003 Medicare prescription drug bill, the one that passed with the votes of 204 GOP House members and 42 GOP Senators? Anyone want to guess what it provided funding for? Did you say counseling for end-of-life issues and care? Ding ding ding!!
Let's go to the bill text, shall we? "The covered services are: evaluating the beneficiary's need for pain and symptom management, including the individual's need for hospice care; counseling the beneficiary with respect to end-of-life issues and care options, and advising the beneficiary regarding advanced care planning." The only difference between the 2003 provision and the infamous Section 1233 that threatens the very future and moral sanctity of the Republic is that the first applied only to terminally ill patients. Section 1233 would expand funding so that people could voluntarily receive counseling before they become terminally ill.
|
|
| | | 511 | sarge33rd
ID: 17681812 Fri, Aug 14, 2009, 15:31
|
sooooooooo "they were for it, before they were against it"?
|
|
| | |
| | |
| | | 514 | biliruben
ID: 461142511 Fri, Aug 14, 2009, 17:15
|
Good to see you Walk. Was yours one of the banks that went down or was bought?
|
|
| | | 515 | biliruben
ID: 461142511 Fri, Aug 14, 2009, 18:02
|
And jeez. It sure took you long enough to find your way around your new mega-mongo-bank's filters through a proxy!
|
|
| | |
| | | 517 | holt
ID: 56701420 Fri, Aug 14, 2009, 21:01
|
In spite of numerous google searches I still can't really get a grip on how this bill is going to affect my net income. None of my friends, relatives, or people I talk to at work seem to know anything about it either.
BTW - I don't suggest having conversation with anyone in RL about health care. It's bad.
|
|
| | | 518 | Perm Dude
ID: 154552311 Fri, Aug 14, 2009, 21:51
|
RL? Real Life?
|
|
| | | 519 | Boldwin
ID: 117531420 Fri, Aug 14, 2009, 21:53
|
When it comes in at many times more expensive than proposed, as government projects do, you'll be paying the difference. Both in taxes and in reduced services.
When you find yourself in an inherently innefficient socialist system you'll find out what poverty is left to equally distribute.
But don't worry.
Be more worried about the day China refuses to buy anymore T-bills. That will effect your net income.
Be more worried about globalists finalizing their globalization.
Be more worried about what comes after that.
|
|
| | | 520 | sarge33rd
ID: 587551420 Fri, Aug 14, 2009, 21:56
|
No Boldwin...
Be MOST worried that fear mongering morons who deliberately ignore the truth; may some day rule again.
|
|
| | | 521 | walk
ID: 210582620 Sat, Aug 15, 2009, 09:34
|
Hey bili. I was at two banks that did relatively well through the financial crisis: JPMorgan Chase, which has engulfed and devoured (Mel Brooks reference there) cos the CEO Dimon is very strong, and Credit Suisse, which has also done fairly well. One I left, and one I was displaced. I am now sorta on the other side, if that makes any sense. I'd have to post outside of the office.
|
|
| | |
| | | 523 | DWetzel at work
ID: 49962710 Sat, Aug 15, 2009, 15:47
|
The irony (OK, perhaps it isn't irony) is that if you put Gingrich's quote, unattributed, on this board, the loonies like Boldwin would assume it was by someone they hated.
|
|
| | | 524 | Boldwin
ID: 257161516 Sat, Aug 15, 2009, 17:16
|
The system Gingerich was supporting was quite different than the government mandated decisions which cannot be circumvented on who lives and dies that are coming down the pike and he is quite right. This bill is a wish list handwritten by the euthanasia advocates at the Hastings Institute where Dr. Death Cransford came from. Every hero of the Hemlock society has his hands all over this bill.
|
|
| | | 525 | DWetzel at work
ID: 49962710 Sat, Aug 15, 2009, 17:25
|
Um... no. Just, no.
There will be a quiz in the morning.
|
|
| | | 526 | Perm Dude
ID: 154552311 Sat, Aug 15, 2009, 19:20
|
Kinda hard, eh tree?
:)
|
|
| | | 527 | Tree
ID: 41371322 Sat, Aug 15, 2009, 21:09
|
lol. indeed.
|
|
| | | 528 | Boldwin
ID: 17481520 Sat, Aug 15, 2009, 23:39
|
I hear of one case where medicare is already contacting a patient to see if there are any prescriptions that they could be talked out of taking and then they told this patient that they would be talking to their doctor and instructing him to talk her out of getting the medicine.
That's how sure they are that they will get this bill passed. The 'consultations' to talk you out of treatments will be going on even before the bill passes.
|
|
| | | 529 | Tree
ID: 41371322 Sun, Aug 16, 2009, 02:06
|
i like your sourceless, generic, almost certainly taken out of context, lack of detail, example.
|
|
| | |
| | | 531 | biliruben Leader
ID: 589301110 Sun, Aug 16, 2009, 11:14
|
Yeah, Walk. Good editorial, but it really doesn't matter. Facts are meaningless to the raging opposition at this point.
|
|
| | | 532 | biliruben Leader
ID: 589301110 Sun, Aug 16, 2009, 11:19
|
We just need to pass it like we did for SS and Medicare, as the wingnuts even raged around socialism, and they'll thank us when they have their heart attack.
|
|
| | | 533 | walk
ID: 210582620 Sun, Aug 16, 2009, 11:31
|
I know. It's a shame, bili. Amazing how the loud and misdirected few can potentially change the outcome aimed at many, many of the few who don't even realize they are shooting themselves in the foot (and once they do shoot that foot, they won't be able to afford to fix it!).
|
|
| | | 534 | bibA
ID: 247421511 Sun, Aug 16, 2009, 11:57
|
Trust me, they will still find a way to blame Obama and the dems.
|
|
| | | 535 | Perm Dude
ID: 154552311 Sun, Aug 16, 2009, 13:39
|
Bill Clinton is exactly right, in saying that people are screaming and yelling right now, but in a year or so they'll actually be able to look at the passage of this as a good thing.
Of course, they'll still hate our Kenyan-born president, but they won't be yelling about health care anymore.
|
|
| | |
| | | 537 | Madman
ID: 20131721 Sun, Aug 16, 2009, 22:19
|
PD 536 -- Whether Medicare rates will put doctors and hospitals out of business is one of the Golden Questions. The link you site presents a non-standard perspective. I couldn't find his WSJ links ... but did find this one: "Medicare reimbursements to hospitals fail to cover the actual cost of providing services. The Medicare Payment Advisory Commission (MedPAC), an independent congressional advisory agency, says hospitals received only 94.1 cents for every dollar they spent treating Medicare patients in 2007. MedPAC projects that number to decline to 93.1 cents per dollar spent in 2009, for an operating shortfall of 7%. Medicare works because hospitals subsidize the care they provide with revenue received from patients who have commercial insurance. Without that revenue, hospitals could not afford to care for those covered by Medicare. In effect, everyone with insurance is subsidizing the Medicare shortfall, which is growing larger every year."
The paragraph I cited is what I would consider the conventional wisdom. I would also add that I don't know any knowledgable Medicare pricing expert that believes that Medicare rates are generally reasonable or accurate. They are so idiosyncratic and formulaic that tiny differences have compounded into tremendous payment differentials across time. This is one reason for the absolutely massive region to region disparity in Medicare spending -- and, sadly, the distribution of facilities and physicians.
Some advocates put much of the office administration cost onto the private side and assume that under Medicare-for-all pricing that much of the in-office admin cost would go away. My main counterargument to this is that facilities and offices began to get armies of coders because of Medicare originally. Insurance companies also have to keep their physicians happy and drive business their way, or the physician will bail on them. That why we give free IT and web-interfaces to our docs, for example. Medicare's denial rates are among the highest in the nation, and they are going to get worse with ICD-10 coming along and the various behind-the-scenes checks they are going to start imposing on docs to enforce "quality".
Very few people actually know what would happen if we went to Medicare rates for all. One big name from the Mayo clinic famously said that even Mayo couldn't survive on Medicare rates. In negotiation, that is what the providers always say. But we also do know that many facilities are having a tough time of it now.
What we also know for sure is that few private insurance companies have been able to voluntarily get facilities or professionals to agree to Medicare rates. They range from 10% - 50% higher, depending on the specialty, type of service, region, etc. One set of exceptions in some isolated cases has been with the elderly themselves; in some regions some specialist organizations have been able to provide service to the elderly at Medicare rates.
But those are exceptions. And the elderly tend to have concentrations of services unlike what the commercial population tends to have. Treatment of those under 65 will necessarily be less intensive because they are fundamentally healthier. Therefore, it is theoretically harder to get the same per-treatment reimbursement. Gains from managing their care are also lower, on average.
If the public option were to pay Medicare rates, I think you'd quickly see one of a few reactions.
a) In regions of the country where 30 years of miscompounding formulas has led to relatively less underpayment, private and public options may all converge to Medicare. Doctors may tend to leave those areas.
b) In regions of the country where Medicare reimbursement formulas have caused an even bigger wedge between market and payment rates, providers simply wouldn't sign up with the public plan, making it DOA.
c) Most likely, in all regions of the country, certain specialties will sign up and others won't. This would make network contracting a nightmare for the public option, and make the regulators go bonkers trying to figure out whether to certify the public option or not.
The whole analysis is compounded because of Medicare's fee for service payment policies. Take imaging for example (and here I'm only about 80% sure of the Medicare situation). Private companies found out years ago that tracking Medicare reimbursement for imaging while letting utilization go unchecked was a recipe for disaster, both to the patient's health (because high tech imaging bombards the patient with tons of radiation) and financially (because some docs invest in machines and then overutilize them). Virtually every insurance company has developed imaging prior authorization programs, financial incentive cross-checks (i.e., if you own an imaging device you can't use it willy-nilly), etc. I don't believe Medicare has done those things. Therefore, for those services, Medicare reimbursement is truly wonderful not because of the per-unit charges, but because you can jack utilization sky high. Putting Medicare per-unit charges with the private side's utilization programs would probably strangle many docs.
And I'm just speaking in broad terms. It is extremely, extremely complicated. Utilization rates in Arkadelphia should be different than in Little Rock and different than in NY. Medicare formulas adjust for those sorts of differences very crudely.
That's why I'd go with the general rule for estimating the likely effects of the plans: Medicare underpays, the commercial side has raised reimbursement to compensate. Cut everyone down to Medicare rates, and you'd have some severe adjustments on the provider side. Not all bad, necessarily, but you'd prefer to do this with a scalpel than a meat cleaver.
But that doesn't mean that Igor might not be right, even if his analysis is not widely accepted. How many docs would stay in business if you chopped their revenue 20-30%? Many would scream bloody murder, but that doesn't mean they would leave. Many facilities would indeed be shuttered, but that might not be so bad; we may have overconstructed facilities. You'd want to be careful to not compromise emergency and rural care, however. All in all, it would be a tremendous shock to the system ... a shock so large, I don't think anyone really knows what would happen.
|
|
| | | 538 | Perm Dude
ID: 154552311 Sun, Aug 16, 2009, 22:58
|
Good stuff, that I'll need to re-read a bit to respond with any sense.
Perhaps the potential shock is why some Blue Dogs are suggesting that the public option would be included only in conjunction with some tort reform, to allow docs to recover some costs through (presumably) much lower malpractice insurance. Need to read more on that, too.
|
|
| | | 539 | Boldwin
ID: 40757170 Mon, Aug 17, 2009, 02:00
|
Oh, I love this guy and he's running in my district. He is so gonna win. Great points.
|
|
| | | 540 | biliruben
ID: 461142511 Mon, Aug 17, 2009, 13:07
|
Madman 537 - From my somewhat-opaque view from the hospital (focusing on specialty care for very sick kids) side, I agree with much of the problems you delineate regarding M&M. Our mix has switched from 60/40 private/Medicaid to the reverse; more than doubling our uncompensated care costs. It has thrown us from in the black to into the red; at a time when the state is cutting back our funding.
It will be interesting to see whether blanket insurance coverage will do, so that the uncompensated care will become more transparent. This should lower costs, I would think. That said, M&M need an overhaul. I've had to dig into their claims data in the past, and it's a nightmare.
|
|
| | | 541 | Madman
ID: 20131721 Mon, Aug 17, 2009, 22:43
|
BR -- interesting perspective. PD -- I think you'd need effective tort reform (which has serious constitutional problems), electronic records to work the way we dream and not the way they do in most places, and various other unstated efficiency enhancements.
Remember, Mayo is one of the Gold Standards for efficiency, yet they claim they couldn't stay afloat with Medicare reimbursement.
And, as BR notes, Medicaid is absolutely atrocious. In most states, I have no doubt that providers would crack if all they had is Medicaid reimbursement.
One of the sad things about HC reform this go around is that we are seeing reform in inverse proportion to the immediacy of the underlying problem. Medicaid is running the risk of becoming a serious mirage, which is legimately crippling care. Down the street (long ways) from me, in the Delta, Medicaid is driving infant mortality sky high. Driving it UP. That sort of stuff has got to be fixed, but no one wants to talk about it, since it would mean serious $$$.
Medicare has 7 years or so before the trust fund breaks. Of longer concern but more problematic is the portion of a Social Security check that is being eaten by Part B premiums and Medicare cost-sharing. That is quickly reaching crisis proportions for a significant subset of seniors.
Meanwhile, we have Congress worried about defining the appropriate healthplan for Goldman Sachs employees.
Gotta love democracy.
|
|
| | | 542 | Perm Dude
ID: 154552311 Mon, Aug 17, 2009, 23:10
|
Well, Obama's stated reason for bring up healthcare now is the huge hole that Medicare will blow in the budget in a few years. The reforms might (or might not) really fix the problems, but the problem isn't that Obama is getting Congress to focus on the wrong problems.
And, like any looming disaster, small steps now can either avert the problem or buy time why we work through possible solutions in the meantime.
I'm not saying HR3200 will work even as advertised. But many of the problems it is addressing are caused (and entrenched) by the free market system not working as it should. Whether a tightly regulated industry in which government steps in as a part-time player will bring about the changes everyone needs remains to be seen. But (as noted above) it isn't because we're altogether focused on the wrong problems.
|
|
| | |
| | | 544 | Madman at work
ID: 317171810 Tue, Aug 18, 2009, 11:24
|
br 543 -- agreed. But notice that what you are talking about is heavily centered in Medicare. First, that's where the vast bulk of the end-of-life occurs. Second, when Medicare makes sensitive national coverage determinations on those issues, private payers follow suit, because it is such dangerous territory.
In other words, that's not health insurance reform. But without a serious cost discussion, insurance reform cannot achieve what people want ... which is affordable health insurance options. I would argue that whatever happens in this round of HC reform, we are so far removed from the debate that we know needs to happen that we will be back at this table within 5 years talking cost.
I would add that we should discuss extreme preemies and who pays for those. Maternity has become a big problem on the commercial side, probably the #1 problem in terms of large claims and emotional appeal.
I think in both cases -- extreme end of life care and extreme beginning of life care -- we need to come up with a better way of morally drawing cost lines. And I don't know how to do that easily. But we do need to distinguish between the risks and payments that society as a whole is obligated to cover for each other versus the risks and payments that individual people need to make on their own behalf.
For one example, take breast cancer. I'd argue that society has a moral obligation for a 9-week course of treatment with Herceptin. In this country, most women get it for 12 months because that was the initial study and FDA approval. More background here.
In my ideal world, we would be good enough at drawing these cost lines so that everyone would get a base plan that is significantly cheaper. People would then have an option to buy-up, not in terms of deductible but in terms of coverage, something that generally doesn't exist today ... although you could argue that tight network, tight managed care HMO's via paperwork hassles effectively cause this to happen in a round-about, pain-in-your-arse way. What I'm arguing for is an upfront fair-value proposition ... which is very, very hard to streamline and argue.
Private plans are trying variations on this theme today. But we are significantly constrained by law and mandated benefits and the like. But the biggest constraint is public opinion. People are willing to pay for the broader coverages and there aren't enough people willing to pay for the slimmer ones. Take Nexium, for example. If you left it off your formulary, you were eviscerated 5 years ago. Nevermind that it was Prilosec with three yellow lines on it. People weren't just willing to pay extra for it, they demanded it. I would argue that until we see the cost problem grow bigger than it is today, we aren't going to really confront it.
Show me a plan that only covers 9 weeks of Herceptin, and I'll show you a plan that no one buys. And bear in mind that you'd have to do this with hundreds upon hundreds of treatments.
I hear a lot of nashing of teeth about healthcare and healthcare costs. But the cold, hard truth is that insurance reform won't cut it. Medicare fee-for-service reform won't cut. We're going to have to confront the person in the mirror before anything fundamentally changes.
Sorry for the ramble. Running queries and thinking and typing ...
|
|
| | | 545 | biliruben Leader
ID: 589301110 Tue, Aug 18, 2009, 11:34
|
I agree. These are hard issues, and I'm pretty confident the market place isn't going to make them for us. They are just too complex for the average, or even above-average consumer to sort out.
We need to get an independent board of high-level docs and policy experts that are above reproach, and start to have this conversation. That's what assumed the public option would eventually lead to - with private insurance following. I am sorely disappointed that Obama is willing to sacrifice it.
|
|
| | | 546 | DWetzel at work
ID: 49962710 Tue, Aug 18, 2009, 11:35
|
"I think in both cases -- extreme end of life care and extreme beginning of life care -- we need to come up with a better way of morally drawing cost lines. And I don't know how to do that easily. But we do need to distinguish between the risks and payments that society as a whole is obligated to cover for each other versus the risks and payments that individual people need to make on their own behalf."
This is a very very good summary of the problem.
|
|
| | | 547 | Madman at work
ID: 317171810 Tue, Aug 18, 2009, 11:46
|
br 545 -- I'm not sure Obama's really letting the public option go.
But more to the original debate, I am very strongly in favor of allowing people, while healthy -- to buy up. The mechanisms for benefit design and coverage in HR3200 will stifle any hope of ever getting to that point.
I want to merge the desire and need to socialize some cost with the concept that we are a free people and should be allowed to freely coordinate if we have different preferences. Maybe your best friend died of breast cancer and the idea of that just utterly terrifies you. You should be able to co-ordinate with other like-minded people to spread the cost of the additional Herceptin treatments.
After working in the industry, I think some people do just want the gold-plated coverage. And I'm fine with that as long as they pay for the marginal cost of it. This, incidentally, also means that some people won't be able to buy the gold-plated plans, just like today. That's a reality we need to face up to.
I'd support the significant regulatory changes required to split the healthcare dollar in different ways, allowing people to self-sort into plans and pockets that fit their underlying preferences better while keeping an underlying socialized benefit structure. I don't see anyone arguing for that approach today, however. It is vastly too nuanced, I'm afraid.
In everyone else's defense, I'm not sure we are up to the implementation challenge, either. But I'd like to keep my options open for the future, because I think someday we will be up to it.
|
|
| | | 548 | Perm Dude
ID: 154552311 Tue, Aug 18, 2009, 11:51
|
bili's point is important too, because it highlights another point that has been made before and that Madman includes in his #544: The lack of information for consumers to make choices. The "free market" isn't altogether "free" in the case of health insurance (not only because of the lack of competition, but because of the lack of information).
While I'm not unmindful of the regulatory costs for insurance companies, I also know that many companies hide behind such regulation as convenient barriers to entry into their industry. Transparent and easy-to-administer regulations aren't in the long term interest of any current insurance company.
|
|
| | | 549 | sarge33rd
ID: 17681812 Tue, Aug 18, 2009, 11:55
|
indeed DW, that does in fact sum up the dilemma quite nicely I think.
This para from bili's link above in 543...
An earlier report in The Wall Street Journal had quoted physicians at Memorial Sloan-Kettering Canter Center in New York stating that “the standard treatment regimen for advanced colon cancer, which can include Erbitux [and Eloxatin and Avastin] in the mix, is close to $250,000 for 19-20 months of treatment. … And for that money, patients may get only a few months [of added life].”
Why I have a living will. Do NOT spend 1/4 million dollars keeping me alive for 90 days. Not worth bankrupting the family over. If the prognosis isn't for a full recovery...screw it. I've lived a reasonably full life, if its time for me to go...then it's time.
|
|
| | | 550 | biliruben
ID: 461142511 Tue, Aug 18, 2009, 12:56
|
PD - The lack of transparency is of course a problem.
However, even if the private insurers completely lost their minds and provided us with all of the info we needed to make an informed decision, I don't think the vast majority of people have the understanding or even the interest to do this sort of thing. Before I began working in the field, getting sick and dying was the absolute last thing I wanted to think about. I wanted to at most, read a few 10 minute summaries, take the advice of an expert I trusted, sign on the dotted line, send in my monthly check, and never think about it ever again. Ever. I think I am still that way, to some extent, and I have more background and the interest than 90% of the population.
If a party that had not economic self-interest to screw me by taking out some vital, but very expensive treatment that I might need were able to provide 3 or 4 easy to explain possibilities for coverage, than fine.
But if I have to rely on my own wits to suss out the fine details of policy from a private insurer who will always have the drop on me regarding information, then thanks, but no thanks.
|
|
| | | 551 | Tree
ID: 41371322 Wed, Aug 19, 2009, 10:57
|
The way Frank handles this with a level coolness and collectiveness is pretty excellent.
|
|
| | |
| | | 553 | biliruben
ID: 461142511 Wed, Aug 19, 2009, 12:55
|
He appears to be unaware the the republicans have decided to abdicate their role in the government. Anti-everything. All the time.
As for that stealth-single-payer nonsense - this sort of thing has been done in a number of countries, and it has never led to some morphing into single payer. I challenge those obsessing over this bogey-man to provide an example where it has.
|
|
| | | 554 | Perm Dude
ID: 154552311 Wed, Aug 19, 2009, 13:04
|
He was saying that the public option was sold to progressives as part of a stealth single payer process. Disingenuously, I think, but there you go. Many progressives are very focused on single payer as being the only real option, and have been disinclined to bargain the point with conservatives or independents.
The fact that private insurance still has a healthy market in countries like France and Switzerland is exactly the kind of thing the Administration should be pointing out to independents, IMO.
He's exactly right that the GOP's rejection of co-ops is a good example of their unwillingness to negotiate at all, on anything.
|
|
| | | 555 | boikin
ID: 532592112 Wed, Aug 19, 2009, 16:08
|
The fact that private insurance still has a healthy market in countries like France and Switzerland is exactly the kind of thing the Administration should be pointing out to independents, IMO.
I agree with this, but i think this is not the model they want. this is basically the model i have advocated. a government run or non-profit model for basic care and insurance for above a beyond care. I don't think the left wants this model because it is not equal care and right does not want this because it means government or non-profit insurance. I do think the insurance companies would be in some sense for this.
|
|
| | | 556 | Boldwin
ID: 457431818 Wed, Aug 19, 2009, 17:12
|
Bili #553
That's just absurd to even propose. We have Obama [while running for president] as well as lawmakers trumpetting that single-payer was going to be the eventual outcome.
|
|
| | | 557 | biliruben
ID: 461142511 Wed, Aug 19, 2009, 17:26
|
Marxist bogemen between every line, But every other country is fine. Instead we pay double, and the insurers drop us at a sign of trouble.
|
|
| | |
| | | 559 | Pancho Villa
ID: 17749207 Thu, Aug 20, 2009, 08:49
|
You could fix 90 percent of the problems with health insurance by ending the federal law allowing states to ban health insurance sales across state lines.- Ann Coulter
Kinda makes one wonder what the remaining 10% that wouldn't be fixed consists of. The problem here is that a certain contingency of citizens will believe this to be a statement of fact, since she "rules all she surveys."
It's not even ironic that Coulter titled this column Liberal Lies About National Health Care.
|
|
| | | 560 | Perm Dude
ID: 154552311 Thu, Aug 20, 2009, 09:37
|
Apparently she's of the belief that competition will fix pretty much everything. Wonder why she's against the public option, then?
|
|
| | | 561 | Madman at work
ID: 317171810 Thu, Aug 20, 2009, 10:13
|
Apparently she's of the belief that competition will fix pretty much everything. Wonder why she's against the public option, then? Because the public option will stifle competition. By definition, it can't be on a level playing field with private insurance.
HR3200, for example, exempts it from holding money in claim reserves at levels required of private companies. It is silent on RBC treatment. It gives it access to taxpayer subsidized loans. Etc., etc.
If you design the public option to be a truly stand-alone, on the level competitor to private insurance, then it would look exactly like the non-profits that already exist and that half the country is enrolled in. Not much reform there.
|
|
| | | 562 | Perm Dude
ID: 154552311 Thu, Aug 20, 2009, 10:26
|
I think the flexibility of private insurance, including the ability to offer boutique insurance, will keep private insurance in the game for a long time. In fact, we see that in several other countries.
This, of course, doesn't address Coulter's statement that 9 of every 10 current problems would be solved by eliminating federalism in the health insurance industry.
|
|
| | | 563 | boikin
ID: 532592112 Thu, Aug 20, 2009, 11:27
|
You could fix 90 percent of the problems with health insurance by ending the federal law allowing states to ban health insurance sales across state lines.- Ann Coulter
Why can you not sell insurance across state lines? The goal of insurance is to spread the risk, but limiting your ability to spread the risk is counter productive.
|
|
| | | 564 | biliruben Leader
ID: 589301110 Thu, Aug 20, 2009, 11:34
|
Insurance is regulated at the state level.
The problem is that health care, and by extension health insurance, if far too complex for there to be a true free market. You need easy to obtain and understand flow of information, and we don't and can't have it.
We gotta trust the experts. And I prefer that my experts don't get billions of dollars for screwing me.
|
|
| | | 565 | Perm Dude
ID: 154552311 Thu, Aug 20, 2009, 11:34
|
Because it is the states that regulate the industry. In lieu of the federal government taking over all health insurance regulation (which HR3200 might be a step in that direction, but that's an argument for another day), forcing states to recognize other state's regulatory power in health care would have the effect of allowing health insurance companies to operate under the easiest state regulatory burdens in all states.
|
|
| | | 566 | biliruben
ID: 461142511 Thu, Aug 20, 2009, 13:43
|
Why we fight.
Late this afternoon I was gobsmacked by a Facebook announcement that a high school friend had died. I tracked down the story, and it is an absolute textbook example of everything that’s wrong with our health care system - so knowing that we share a passion for this topic, I’ll share it with you.
She was 49 years old and in good health, other than a propensity to develop bronchitis. A couple of weeks ago, after a trip to Disneyland, she came down with a terrible flu. After running a high fever for four days she knew she should see a doctor, but she didn’t - no insurance. Her husband, who owns his own business, had cancer a year and a half ago and is not insurable on his own. She originally had insurance through her job, but had been placed on disability after developing carpal tunnel syndrome (she was a transcriber). Eventually she was no longer eligible for insurance through her employer, other than COBRA, which she could in no way afford - her husband’s business had been hard hit in the recession.
So. She waits six days before finally dragging herself to an urgent care clinic, but the wait is so long and she feels like shit on a stick so she goes back home. Eventually ends up in ICU with pneumonia, and, as it ends up, tested positive for H1N1. By then the infection had gone too far, her organs started failing, and after a week in the hospital she died this morning, leaving a teenage daughter and a husband who don’t know what hit them. As though grieving isn’t enough of a burden, imagine the hospital bills they’re going to face. This man is certain to lose his business, his home, and anything else he ever had - on top of losing his wife.
It’s heartbreaking, completely unnecessary, and absolutely infuriating.
Part of the reason I am so passionate about this debate is that it isn't simply academic for me. My best friend for the last 25 years is in exactly this position. One pneumonia away from penury and death, with two young children and a wife with health issues of her own.
When corporate fcuks like Mackey with an excess of smug and clueless start waxing philosophic about conservative talking points meant, in essence, to kill and bankrupt my best friend, it pisses me off. And it should piss you off too.
|
|
| | | 567 | boikin
ID: 532592112 Thu, Aug 20, 2009, 13:57
|
So. She waits six days before finally dragging herself to an urgent care clinic, but the wait is so long and she feels like shit on a stick so she goes back home.
not sure what insurance has to with this part?
|
|
| | | 568 | boikin
ID: 532592112 Thu, Aug 20, 2009, 13:58
|
So. She waits six days before finally dragging herself to an urgent care clinic, but the wait is so long and she feels like shit on a stick so she goes back home.
not sure what insurance has to with this part?
|
|
| | | 569 | Perm Dude
ID: 154552311 Thu, Aug 20, 2009, 13:59
|
She didn't get looked at because she didn't have insurance to pay for it.
|
|
| | | 570 | Mith Dude
ID: 01629107 Thu, Aug 20, 2009, 14:00
|
What in the world could possibly be the point of post 567?
|
|
| | | 571 | Pancho Villa
ID: 17749207 Thu, Aug 20, 2009, 14:12
|
not sure what insurance has to with this part?
From my personal experience, my local urgent care clinic is roughly one quarter the price of the nearest ER, at a hospital that laughingly is part of a healthcare conglomeration that gets away with calling itself non-profit.
|
|
| | | 572 | boikin
ID: 532592112 Thu, Aug 20, 2009, 14:14
|
it was valid question what in health care reform addresses having to wait in line? Do you think waits in line will get shorter when more people are insured?
Eventually she was no longer eligible for insurance through her employer, other than COBRA, which she could in no way afford
could not afford? Does that mean she could afford it but would have to go with out other wants or did it mean she could afford it but would have go with out other needs?
|
|
| | | 573 | biliruben
ID: 461142511 Thu, Aug 20, 2009, 14:17
|
Why don't you ask her, Biokin.
10s of Millions of people in this country choose to roll the dice and go uninsured in order to keep their kids in food and clothing, pay the mortgage, what have you.
The point is, they shouldn't have to.
If you are gearing up to lecture her on priorities, it's a bit late.
|
|
| | | 574 | Tree
ID: 41371322 Thu, Aug 20, 2009, 14:20
|
i think that's by and large the bottom line for me too Bili.
We are allegedly the most advanced nation in the world. People should not be dying because they don't have insurance.
|
|
| | | 575 | Perm Dude
ID: 154552311 Thu, Aug 20, 2009, 14:20
|
I think "could not afford" means "could not pay for without cutting other needs."
The whole point of this debate is that Democrats want to expand coverage of insurance so that people don't hesitate or delay care they need because of questions about how they will pay for it.
Even on a pragmatic level her end-of-life care in ICU almost certainly cost more than if she had sought care in the first place.
|
|
| | | 576 | boikin
ID: 532592112 Thu, Aug 20, 2009, 14:28
|
People should not be dying because they don't have insurance.
she did not die because she did not have insurance she died because she did not want to pay the hospital bill.
All i am trying to say are you addressing the right issues, Is the government addressing the right issues?
|
|
| | | 577 | Perm Dude
ID: 154552311 Thu, Aug 20, 2009, 14:31
|
No, she didn't die because she didn't "want to pay the hospital bill." She died because she didn't seek care she couldn't pay for.
Your spin makes it sound like she was disputing her cable bill.
|
|
| | |
| | | 579 | boikin
ID: 532592112 Thu, Aug 20, 2009, 14:45
|
No, she didn't die because she didn't "want to pay the hospital bill." She died because she didn't seek care she couldn't pay for.
Your spin makes it sound like she was disputing her cable bill.
phrase it however you want too, it does not change the fact lack of insurance did not kill her. People go the emergency room with out insurance all the time with out insurance, but she choose not too because she knew she could not pay for the bill.
|
|
| | | 580 | biliruben
ID: 461142511 Thu, Aug 20, 2009, 14:50
|
If she were insured, she would almost certainly be alive.
|
|
| | | 581 | DWetzel at work
ID: 49962710 Thu, Aug 20, 2009, 14:51
|
"People should not be dying because they don't have insurance.
she did not die because she did not have insurance she died because she did not want to pay the hospital bill."
She could die from not getting treated, or she could die from not eating. Which one do you want her to choose?
"phrase it however you want too, it does not change the fact lack of insurance did not kill her. People go the emergency room with out insurance all the time"
Isn't doing exactly this something that most people consider a bad thing (either because everyone else ends up subsidizing that "free" care through much higher fees elsewhere, or because people should be able to access non-emergency care reasonably and not HAVE to use the emergency room)?
Now we're promoting this as a good example of why the health care system works, because someone who actually TRIES to be responsible and pay for their bills dies instead?
Seriously?
This may be the single dumbest thing I have read on this board in a long time, and there is quite a bit of competition for that title.
|
|
| | | 582 | Perm Dude
ID: 154552311 Thu, Aug 20, 2009, 14:53
|
Exactly, DW. If only she'd been more irresponsible! It could have deflected criticism away from the fact that our country's health care coverage is awful.
|
|
| | | 583 | boikin
ID: 532592112 Thu, Aug 20, 2009, 14:58
|
She could die from not getting treated, or she could die from not eating. Which one do you want her to choose?
or maybe buy a new car, do you know what she choose instead?
This may be the single dumbest thing I have read on this board in a long time, and there is quite a bit of competition for that title.
since you feel this way, I will restate what i said since you all are too set in your ways to think for yourselves. the problem is not Insurance companies the problem is the cost of medical treatment. why is insurance so high because the cost of the medical care is so high. Start with cause before address the symptoms.
|
|
| | | 584 | Tree
ID: 41371322 Thu, Aug 20, 2009, 15:05
|
People should not be dying because they don't have insurance.
she did not die because she did not have insurance she died because she did not want to pay the hospital bill.
spin it how you want. someone should not be forced to live in debt for the rest of their lives because they don't have insurance. that's wrong also.
the only reason i currently have insurance is that due to the stimulus package, the government now pays for 65% of COBRA for me. even at that rate, within a few months, i am faced with not being able to afford that.
simply put, that woman would still be alive if she had insurance. there is no way around that.
it scares the f*ck out of me the thought of losing insurance.
|
|
| | | 585 | DWetzel at work
ID: 49962710 Thu, Aug 20, 2009, 15:14
|
"She could die from not getting treated, or she could die from not eating. Which one do you want her to choose?
or maybe buy a new car, do you know what she choose instead?"
In this SPECIFIC case? No.
In general? There are a LOT more cases where the choice would be as I stated rather than someone buying a new car and forgoing treatment.
As for reducing the cost of medical treatment... how do you propose to do that? Part of the reason for the high cost is, as stated, that people who can't afford it are subsidized by charging more to the people that can afford it (which, perversely, pushes some people from the "can afford it, barely" category directly to the "can't afford it" category.
Part of the reason that insurance is so high is because of the strange patchwork of things that insurance companies have to cover.
Part of the reason is that medical costs are high. (My simple solution: an immediate government-imposed 50% decrease in all medical cdosts. There! Ha! Problem solved.)
Part of the reason is that insurance companies are in it to make as much money as they possibly can.
The first of these reasons is the "easiest" to overcome. The third becomes a moral dilemma as much as an economic one. Trying to put it in purely economic terms (OMG I might have to pay an extra $50 per year in taxes? Burn the infidels!) shows a fundamental lack of empathy for one's fellow humans and a fundamental lack of understanding of how societies really work.
|
|
| | | 586 | biliruben
ID: 461142511 Thu, Aug 20, 2009, 15:16
|
...the problem is not Insurance companies the problem is the cost of medical treatment.
I would say, some of both.
Addressing costs, this New Yorker article is extremely enlightening. My guess is this is the article that a colleague must have been talking about for which someone (boikin - you?) was asking for cites.
It compares medicare costs per capita in McAllen Texas to El Paso. Almost the same demographic, but twice the costs.
|
|
| | | 587 | Perm Dude
ID: 154552311 Thu, Aug 20, 2009, 15:22
|
the problem is not Insurance companies the problem is the cost of medical treatment.
Actually, there is virtually no separation between these two problems. Nearly everyone gets their care through insurance of some sort, so the cost of insurance (including administering the not-insignificant associative costs of getting insurance companies to pay) is all folded into the cost.
Who do you think pays for the care of that woman, in the end? Other patients.
Here's the thing: We already pay those costs, so having insurance for everyone lowers the costs overall.
I really don't know why you insist that dying was some kind of choice of hers. Is there any doubt that if she had insurance that she'd gone to see a doctor earlier? That's the whole point.
|
|
| | | 588 | biliruben
ID: 461142511 Thu, Aug 20, 2009, 15:23
|
From the article:
“Come on,” the general surgeon finally said. “We all know these arguments are bullshit. There is overutilization here, pure and simple.” Doctors, he said, were racking up charges with extra tests, services, and procedures.
The surgeon came to McAllen in the mid-nineties, and since then, he said, “the way to practice medicine has changed completely. Before, it was about how to do a good job. Now it is about ‘How much will you benefit?’ ”
|
|
| | | 589 | biliruben
ID: 461142511 Thu, Aug 20, 2009, 15:28
|
More...
This is a disturbing and perhaps surprising diagnosis. Americans like to believe that, with most things, more is better. But research suggests that where medicine is concerned it may actually be worse. For example, Rochester, Minnesota, where the Mayo Clinic dominates the scene, has fantastically high levels of technological capability and quality, but its Medicare spending is in the lowest fifteen per cent of the country—$6,688 per enrollee in 2006, which is eight thousand dollars less than the figure for McAllen. Two economists working at Dartmouth, Katherine Baicker and Amitabh Chandra, found that the more money Medicare spent per person in a given state the lower that state’s quality ranking tended to be. In fact, the four states with the highest levels of spending—Louisiana, Texas, California, and Florida—were near the bottom of the national rankings on the quality of patient care.
|
|
| | | 590 | biliruben
ID: 461142511 Thu, Aug 20, 2009, 15:31
|
More...
To make matters worse, Fisher found that patients in high-cost areas were actually less likely to receive low-cost preventive services, such as flu and pneumonia vaccines, faced longer waits at doctor and emergency-room visits, and were less likely to have a primary-care physician. They got more of the stuff that cost more, but not more of what they needed.
In an odd way, this news is reassuring. Universal coverage won’t be feasible unless we can control costs. Policymakers have worried that doing so would require rationing, which the public would never go along with. So the idea that there’s plenty of fat in the system is proving deeply attractive. “Nearly thirty per cent of Medicare’s costs could be saved without negatively affecting health outcomes if spending in high- and medium-cost areas could be reduced to the level in low-cost areas,” Peter Orszag, the President’s budget director, has stated.
|
|
| | | 591 | boikin
ID: 532592112 Thu, Aug 20, 2009, 15:56
|
“Come on,” the general surgeon finally said. “We all know these arguments are bullshit. There is overutilization here, pure and simple.” Doctors, he said, were racking up charges with extra tests, services, and procedures.
The surgeon came to McAllen in the mid-nineties, and since then, he said, “the way to practice medicine has changed completely. Before, it was about how to do a good job. Now it is about ‘How much will you benefit?’ ”
this is why they should move away from pay for service industry to group practices where doctors earn salaries(throw in bonuses for good results) and outlaw doctors from owning interest in places that do specialized testing. this will begin to make a dent cost of medical treatment.
Trying to put it in purely economic terms (OMG I might have to pay an extra $50 per year in taxes? Burn the infidels!)
What i am against is paying extra money and seeing no results.
|
|
| | | 592 | biliruben
ID: 461142511 Thu, Aug 20, 2009, 16:13
|
More...
The third class of health-cost proposals, I explained, would push people to use medical savings accounts and hold high-deductible insurance policies: “They’d have more of their own money on the line, and that’d drive them to bargain with you and other surgeons, right?”
He gave me a quizzical look. We tried to imagine the scenario. A cardiologist tells an elderly woman that she needs bypass surgery and has Dr. Dyke see her. They discuss the blockages in her heart, the operation, the risks. And now they’re supposed to haggle over the price as if he were selling a rug in a souk? “I’ll do three vessels for thirty thousand, but if you take four I’ll throw in an extra night in the I.C.U.”—that sort of thing? Dyke shook his head. “Who comes up with this stuff?” he asked. “Any plan that relies on the sheep to negotiate with the wolves is doomed to failure.”
Okay. I'll stop now. Read it.
|
|
| | | 593 | biliruben
ID: 461142511 Thu, Aug 20, 2009, 16:14
|
Agreed, boikin.
|
|
| | | 594 | DWetzel at work
ID: 49962710 Thu, Aug 20, 2009, 16:37
|
"What i am against is paying extra money and seeing no results."
Fine, in theory, except that the people who are in a position to determine what will yield results are the same ones that will be making the extra money.
And it's all well and good to say "pay them flat salaries", except then they have very little incentive to provide superior service except for the goodness of their hearts. That's plenty good enough in some cases, but certainly not in all--and unfortunately the field isn't one which lends itself to consumer selection of better service. Most people wouldn't know the different between a great doctor and a good one and a mediocre one even if you gave them reams of data, so asking the consumer to sort it our generally won't work well. It's also not a field where the consumer has a lot of time to research a bunch of different options--because, as we've seen, waiting can have really dire consequences.
|
|
| | | 595 | boikin
ID: 532592112 Thu, Aug 20, 2009, 16:49
|
And it's all well and good to say "pay them flat salaries", except then they have very little incentive to provide superior service except for the goodness of their hearts. many of the best hospitals in the nation use this system and I am not sure being paid for each service increases quality just increases desire for through put. If you know you are going get the paid the same if you see 10 patients or 20 patients maybe you will take the time to spend more time with each patient. This is not to say there are not potential pitfalls with this system.
"What i am against is paying extra money and seeing no results."
I was referring to the efficiency of the system not the quality or at least than the status quo. I dont want to pay for a new health care bill that does not really help fix the underlying causes or then we just end up paying higher taxes and still paying more health care.
|
|
| | | 597 | biliruben
ID: 461142511 Thu, Aug 20, 2009, 16:57
|
I think we can assume, and use to our advantage, that the vast majority of docs at least start out wanting to practice medicine from a sense of altruism, not profit. At least a much larger percentage than go into, say, bond trading.
But as the article points out, docs, like those in all professions end up shaping their treatment practices based on established peers as well as incentives inherent in the structure. That's where we need to make the changes.
|
|
| | | 598 | biliruben
ID: 461142511 Thu, Aug 20, 2009, 17:51
|
Okay. Last one, just for the outrageousness!
Then there are the physicians who see their practice primarily as a revenue stream. They instruct their secretary to have patients who call with follow-up questions schedule an appointment, because insurers don’t pay for phone calls, only office visits. They consider providing Botox injections for cash. They take a Doppler ultrasound course, buy a machine, and start doing their patients’ scans themselves, so that the insurance payments go to them rather than to the hospital. They figure out ways to increase their high-margin work and decrease their low-margin work. This is a business, after all.
In every community, you’ll find a mixture of these views among physicians, but one or another tends to predominate. McAllen seems simply to be the community at one extreme.
In a few cases, the hospital executive told me, he’d seen the behavior cross over into what seemed like outright fraud. “I’ve had doctors here come up to me and say, ‘You want me to admit patients to your hospital, you’re going to have to pay me.’ ”
“How much?” I asked.
“The amounts—all of them were over a hundred thousand dollars per year,” he said. The doctors were specific. The most he was asked for was five hundred thousand dollars per year. --- She described how, a decade or so ago, a few early agencies began rewarding doctors who ordered home visits with more than trinkets: they provided tickets to professional sporting events, jewelry, and other gifts. That set the tone. Other agencies jumped in. Some began paying doctors a supplemental salary, as “medical directors,” for steering business in their direction. Doctors came to expect a share of the revenue stream.
Agencies that want to compete on quality struggle to remain in business, the rep said. Doctors have asked her for a medical-director salary of four or five thousand dollars a month in return for sending her business. One asked a colleague of hers for private-school tuition for his child; another wanted sex.
This is more than regulatory failure. This is just pervasive culture a greed and moral decay with all the wrong incentives, completely destroying the health care segment in this town. The excepted status quo is grab what you can, cause otherwise someone else will.
|
|
| | | 599 | Madman
ID: 20131721 Thu, Aug 20, 2009, 22:07
|
BR 566 -- My best friend for the last 25 years is in exactly this position. What state does this person live in? Most states have guaranteed issue requirements, the only issue is cost for those who have gotten sick while uninsured. Coverage for All has a good guide to how to qualify for what.
Generally, however, I would recommend remaining uninsured until you do get sick. Be smart about it, and save the premiums for the inevitable rainy day.
|
|
| | | 600 | Madman
ID: 20131721 Thu, Aug 20, 2009, 22:26
|
BR566 -- (1) The woman in question had access to a large composite-rated premium-rate, but was unable to afford it. It is quite doubtful that any Exchange-based premium will be lower than that, since the actively-at-work population is generally healthier than the rest. Therefore, what you are describing is NOT an insurance-reform question -- it is a funding and income distribution problem.
(2) If those two individual made a combined $44,000 in 2007, and if HR3200 had been fully in place in 2009, their Exchange plan would be guaranteed to cost them less than $20,000 in pre-tax money, with their direct out of pocket medical payments being capped at $10,000.
I seriously doubt that the cost deterrence issue will be significantly lessened if you exchange a $125 office visit charge (what she was facing) for having to pay for the premiums in a plan that could be as expensive as the one she said she couldn't afford.
3) I'm not even sure I follow how the lack of insurance ties in here at all (let's pretend that HR3200 doesn't have the average of $3000 post-tax out of pocket costs for an adult couple). The initial presentation of flu-like symptoms should not trip a doctor's visit. If the symptoms persist overtime, then you need to seek professional guidance, which she did. Unfortunately, the place she sought treatment was swamped and she decided to go home.
I don't see anything in healthcare reform that will make congestion less of a problem rather than more.
Perhaps I am missing something, since the rest of you see this as an indictment of our current system, whereas I see the insurance coverage question as one of funding/distribution and the medical decisions being not unduly influenced by the direct cost consequences.
|
|
| | | 601 | Perm Dude
ID: 154552311 Thu, Aug 20, 2009, 22:42
|
She didn't seek care because she didn't have insurance. Under HR3200 she'd be required to purchase insurance (whether she would save money or not isn't really the point, since we don't know for sure how rates would change). No matter the cost she would have it and so her excuse for not going would never have come up.
|
|
| | | 602 | Madman
ID: 20131721 Thu, Aug 20, 2009, 23:26
|
She didn't seek care because she didn't have insurance ... This was the CORRECT clinical approach, regardless of insurance status (unless she was in a high risk group). That's my point. Going to the doctor with the flu runs the risk of acquiring opportunistic infections, etc., and you aren't apt to get anti-virals immediately unless you have some specific need. Waiting six days was excessive, but likely wasn't the problem. Sadly, she may have even died *because* she sought medical care; that hypothesis seems every bit as likely as suggesting the initial GP exam would have miraculously saved her life.
And I also disagree with you that cost would never have come up. When you are shelling out $500 a month in premium, your budget is tighter. The idealized basic plans described by Democrats will require 30% cost-share from prospective patients; this means that there will likely be significant deductibles. Therefore, she'll have a tighter budget and potentially a very similar expected cost outlay for the initial doctors' visit.
And we *do* know quite a bit about how rates will change. She had access to a composite rate for an employer group, a rate that for most groups is expected to be lower than Exchange-based plans. This is both because admin cost of group coverage is lower and because it is "select" (i.e., actively-at-work population).
Even if she was very young, all Democratic proposals on the table today would more than double the premiums on younger individuals available on the open market today (except in states where the rates on the young have already been increased by statute). There's some chance that even a doubled individual (Exhcange-based) premium would be lower than her COBRA rate, but it is not likely.
|
|
| | | 603 | Perm Dude
ID: 154552311 Thu, Aug 20, 2009, 23:28
|
Madman, my point is not that the cost (of the plan) wouldn't come up--it was that she would have had insurance if the law mandated it.
|
|
| | | 604 | Madman
ID: 20131721 Thu, Aug 20, 2009, 23:43
|
it was that she would have had insurance if the law mandated it. But she wouldn't necessarily have that doctor's visit covered and she'd have less money to spend on it even if she wanted to go.
And, regardless, eschewing an initial trip to the GP in this instance didn't kill her. It was the subsequent congestion at the clinic ... something that healthcare reform is only likely to make worse as they try to cram more utilization through the pipeline.
|
|
| | | 605 | Madman
ID: 20131721 Thu, Aug 20, 2009, 23:49
|
Aargh. Instead of "covered" in 604, I should have said "funded" ... the visit's out of pocket costs would have applied to her $10,000 Out of Pocket Max (roughly $3000 expected out of pocket cost) in the HR3200 Exchange plan and therefore it would have been covered.
Americans want to go to the doctor at a drop of the hat. They think that doing so will prevent catastrophe. It just doesn't work that way, and that attitude, as much as anything, is what is really costing us. This woman sought care when she really needed it. If she had gotten the care at that time, I suspect the story would be different. And I fail to see how insurance has anything to do with her failure to get care when she sought it.
|
|
| | | 606 | Boldwin
ID: 207322022 Fri, Aug 21, 2009, 07:44
|
We are just on the trailing edge of this trend.Spain's justice minister said on Spanish television last week that refusing to perform abortions would be punished. And as usual the forces of death culture don't care how badly the public does not want this.
The anti-democratic globalists and power elite are going to have their unified global legal structure and neopagan anti-God death culture and the people don't have any say in the matter.

Spain does not want this but the people's will does not count.
|
|
| | | 607 | Tree
ID: 41371322 Fri, Aug 21, 2009, 08:15
|
Spain's justice minister said on Spanish television last week that refusing to perform abortions would be punished.
this is another one of those wishful thinking things on your part.
show proof - show proof that Obama has said anywhere "we will punish you if you don't perform abortions!".
don't provide some words that interpret some words that interpret some words that interpret some words as proof. show us all where Obama said that.
|
|
| | | 608 | boikin
ID: 532592112 Fri, Aug 21, 2009, 09:53
|
I am confused by something if (a) is true Madman, my point is not that the cost (of the plan) wouldn't come up--it was that she would have had insurance if the law mandated it. and (b) is true There's some chance that even a doubled individual (Exhcange-based) premium would be lower than her COBRA rate, but it is not likely. and (c) Eventually she was no longer eligible for insurance through her employer, other than COBRA, which she could in no way afford - her husband’s business had been hard hit in the recession.. If all 3 of these statements are true than she is either going to be breaking the law and still does not have any insurance or she has insurance but is living on the street because she can not afford anything else (as some of you think) or maybe she has insurance and just cut back on other expenses.
I have not idea what the true is so feel free to let me know.
|
|
| | | 609 | Boldwin
ID: 207322022 Fri, Aug 21, 2009, 11:04
|
Doctors are not going to be free to do the procedures they want. There will be electronic instructions sent them that they must follow. That sword cuts both ways. If they can specify the threatment, then they can specify the treatment if it's to do an abortion.
You show me the conscience clause that allows them to opt out.
I can show you plenty of evidence that they are very concerned about the lack of doctors willing to perform abortions. I can show you their willingness to force people of conscienve to become involved in abortions, as Tree and Sarge's glee in forcing pharmacists to dispense or be fired proves. I just showed you that liberals are moving to punish doctors elsewhere for not doing them. Our liberals are different?
Sure we should trust them to not use these powertools in anything but the most benign way. Sure.
|
|
| | | 610 | biliruben
ID: 461142511 Fri, Aug 21, 2009, 11:59
|
And, regardless, eschewing an initial trip to the GP in this instance didn't kill her. It was the subsequent congestion at the clinic ...
Right. If I were in that situation, I would have called up my doc and made an appointment. Because I have insurance and don't have to rely on clinics. I can't swear that's what she would have done too, but it's likely.
And your speculation that reform will lead to higher utilization and wait times is just that. Speculation. I can see situation, if reform is done well, where utilization will decline. And certainly clinics that exist to serve primarily the uninsured will have their role vastly modified.
|
|
| | | 611 | Boldwin
ID: 297312110 Fri, Aug 21, 2009, 12:21
|
And certainly clinics that exist to serve primarily the uninsured will have their role vastly modified.
What bill are you looking at? Speculating on an as yet unreleased version?
|
|
| | | 612 | biliruben
ID: 461142511 Fri, Aug 21, 2009, 12:29
|
Modifications for changing clinic roles and staffing are throughout the bill, Take a gander and you'll see, If uninsured will no longer exist, It's unclear the changing roles of these clinics will be.
|
|
| | | 613 | biliruben
ID: 461142511 Fri, Aug 21, 2009, 12:32
|
Don't rely on the twits of Fleckenstein, As you appear to have done until now, His tweets are errors, ommissions and lies, Enough to furrow the brow.
|
|
| | | 614 | Tree
ID: 41371322 Fri, Aug 21, 2009, 13:26
|
I can show you plenty of evidence that they are very concerned about the lack of doctors willing to perform abortions. I can show you their willingness to force people of conscienve to
you always talk about what you can do. but you never follow through with any sort of logic, reason, or sense.
become involved in abortions, as Tree and Sarge's glee in forcing pharmacists to dispense or be fired proves.
i take no glee in someone losing their job. none, whatsoever, so don't put words into my mouth.
however, if you can't, or won't, do your job, then you should choose a different profession.
The pharmacists job is to dispense medicine as prescribed by a physician, not to decided who should, or should not, get some drugs and not others.
i mean, unless you're saying you support "activist pharmacists"...
I just showed you that liberals are moving to punish doctors elsewhere for not doing them. Our liberals are different?
um yea. are you telling me that because some white people tie some black people to the back of cars, all white people tie some black people to the back of cars?
are you telling me that because conservatives in some countries persecute Jews, that conservatives in all countries persecute Jews?
i realize you only like supporting generalities when they back up whatever nonsensical point you're trying to make that day, but that only serves to make you look more and more foolish, which is quite an accomplishment at this point.
when you start talking again in reality, and not far fetched mis-perceptions, people here will start to take you more seriously.
|
|
| | | 615 | Boldwin
ID: 297312110 Fri, Aug 21, 2009, 13:52
|
You must consider the worst.
You cannot just assume that everyone who get's their hands on these powertools will be benign.
You cannot just assume 'no one would ever do that'.
Especially when they have very publicly daydreamed about doing just that if they ever ruled the world. Or were the brother of the guy operationally ruling the world.
|
|
| | | 616 | Tree
ID: 41371322 Fri, Aug 21, 2009, 14:07
|
there is no problem with considering the worst.
the difference is that you don't just consider it, you state it as fact that's how things will be.
whether that's ignorance, fear-mongering, or wishful thinking on your part i don't know, but to presume that something with a .0000000000000000000000000000000000000000000000001 (at best) chance of happening is the way things are going to be, is, well, idiotic.
|
|
| | | 617 | Boldwin
ID: 297312110 Fri, Aug 21, 2009, 14:11
|
The Emanuel's don't waste opportunities.
|
|
| | | 618 | biliruben
ID: 461142511 Fri, Aug 21, 2009, 14:23
|
You must consider the worst.
Fear-driven lunatics destroying our nation, They don't trust a soul; not a friend or relation, "Don't step out your door, or try something new, the boogey-men will get you and cook you in stew!"
|
|
| | | 619 | Tree
ID: 41371322 Fri, Aug 21, 2009, 16:23
|
The Emanuel's don't waste opportunities.
let me repeat: the difference is that you don't just consider it, you state it as fact that's how things will be.
whether that's ignorance, fear-mongering, or wishful thinking on your part i don't know, but to presume that something with a .0000000000000000000000000000000000000000000000001 (at best) chance of happening is the way things are going to be, is, well, idiotic.
|
|
| | | 621 | sarge33rd
ID: 17681812 Fri, Aug 21, 2009, 16:29
|
What bill are you looking at? Speculating on an as yet unreleased version?
I'd prefer bili's speculation to that, than your erroneous fear mongering and deliberate misrepresentation of the bill that HAS been released.
Doctors are not going to be free to do the procedures they want.
And they shouldn't be. It is the PATIENT whose health/interest is of primary concern. Not the Drs sensibilities. Don't like practicing medicine? Then do something else for a living.
|
|
| | | 622 | biliruben
ID: 461142511 Fri, Aug 21, 2009, 16:46
|
If you read that article I linked to (written by a doc, btw), it becomes clear that:
1) When evidence-based medicine has clearly pointed to a consensus treatment, pretty much all docs follow that course of treatment.
2) When docs are "free to do the procedures they want," Docs: a) with a strong focus on doing the right thing for the patient usually do less, with a better outcome. b) with a strong focus on profit and revenue streams, do much, much more, ordering and prescribing instead of consulting and thinking, driving up costs for everyone, profiting immensely, have worse outcomes, and are a primary reason we, as a country, are being pushed to the brink of bankruptcy due to health care costs.
|
|
| | | 623 | biliruben
ID: 461142511 Fri, Aug 21, 2009, 18:07
|
I'm sure all Baldwin heard was:
"Blah Blah, blah DEATH PANELS!!! blah blah blah ABORTIONS!!! blah blah blah PULL THE PLUG ON GRANDMA!!! blah blah blah..."
|
|
| | | 624 | Pancho Villa
ID: 197162016 Fri, Aug 21, 2009, 19:30
|
Krauthammer weighs in.
Let's see if we can have a reasoned discussion about end-of-life counseling.
We might start by asking Sarah Palin to leave the room. I've got nothing against her. She's a remarkable political talent. But there are no "death panels" in the Democratic health care bills, and to say that there are is to debase the debate.
Dr. Krauthammer, the whole concept of the Palin base is to debase the debate. Thank you for reminding us the conscience of a 'real' conservative.
|
|
| | | 625 | Boldwin
ID: 59747224 Sat, Aug 22, 2009, 06:19
|
This is what I expect everytime I am proven right.
First Tree challenges me to prove doctors will be forced to perform abortions against their conscience...then he [and Sarge] moves directly to saying that it should be that way, with no apologies from him for trying to mislead people into thinking this wasn't going to happen in order to sneak it into reality.
i take no glee in someone losing their job. none, whatsoever, so don't put words into my mouth.
however, if you can't, or won't, do your job, then you should choose a different profession. - Tree
Of course you take glee in imposing your will on people of conscience by forcing them between doing your will or losing their jobs.
Liberalism is all about your power trip.
|
|
| | | 626 | Tree
ID: 41371322 Sat, Aug 22, 2009, 09:37
|
First Tree challenges me to prove doctors will be forced to perform abortions against their conscience...then he [and Sarge] moves directly to saying that it should be that way,
there have been less than 20 posts between this one, and where i made the challenge to you.
NOW SHOW ME WHERE I SAID THAT DOCTORS SHOULD BE FORCED TO PERFORM ABORTIONS AGAINST THEIR CONSCIENCE.
Show me where I said that, you psychotic, pathetic, liar. SHOW ME. Show me where I said something that you apparently want to think i believe, but i simply don't believe.
SHOW ME.
you can't, because it doesn't exist. it doesn't exist in any way, shape or form. those words, or even anything resembling them, were not said by me in any place other than your sick, depraved, delusional mind.
i made that challenge in post 607 - since then, there have been four posts from me - 614, 616, 619, and this one.
so, it's an easy challenge, liar boy. four posts to find where i said "doctors should be punished for performing abortions."
SHOW ME. SHOW ANYONE READING THE BOARD WHERE I SAID THAT.
|
|
| | | 627 | sarge33rd
ID: 17681812 Sat, Aug 22, 2009, 10:43
|
This is what I expect everytime I am proven right.
First Tree challenges me to prove doctors will be forced to perform abortions against their conscience...then he [and Sarge] moves directly to saying that it should be that way, with no apologies from him for trying to mislead people into thinking this wasn't going to happen in order to sneak it into reality.
i take no glee in someone losing their job. none, whatsoever, so don't put words into my mouth.
however, if you can't, or won't, do your job, then you should choose a different profession. - Tree
Of course you take glee in imposing your will on people of conscience by forcing them between doing your will or losing their jobs.
Liberalism is all about your power trip.
Anybody care to venture a guesstimate, as to how many times it has been discussed about the working poor; having substandard wages where they are, lacking the funds to move...and the position of those on the right is "if you don't like your job, get a different one"?
How is it, that said attitude is fine when countering the position of the working poor, and yet that IDENTICAL position, constitutes an infringement of rights, when discussing high income white collar professionals?
When you ARE "proven right", I'll be amongst the first to admit it Boldy. But in recent months; you have been anything BUT right.
|
|
| | | 628 | Boldwin
ID: 59747224 Sat, Aug 22, 2009, 11:15
|
Unlike liberals who are working on even ordering poor people around as to where they can work and what they are allowed to do...and read the full Goals2000 documents to see this...
I on the otherhand am not telling them where they have to work, when they are not allowed to work, getting them fired for thots and words so there is no comparison to your god-complex, Sarge.
|
|
| | | 629 | DWetzel at work
ID: 49962710 Sat, Aug 22, 2009, 11:31
|
Conveniently ignoring the challenge in 626, are we?
|
|
| | | 630 | Tree
ID: 41371322 Sat, Aug 22, 2009, 12:09
|
Baldwin won't address it.
he is a spineless coward with no concern about truth, honesty, and being a decent human being.
|
|
| | | 631 | DWetzel at work
ID: 49962710 Sat, Aug 22, 2009, 12:16
|
Now, now, be nice. I'm sure he's a vertebrate.
|
|
| | | 632 | Boldwin
ID: 59747224 Sat, Aug 22, 2009, 12:53
|
#Tree 616
Where you attempt to fisk this statement of mine...
I can show you plenty of evidence that they are very concerned about the lack of doctors willing to perform abortions. I can show you their willingness to force people of conscience to become involved in abortions, as Tree and Sarge's glee in forcing pharmacists to dispense or be fired proves.
Whereupon Tree says...i take no glee in someone losing their job. none, whatsoever, so don't put words into my mouth.
however, if you can't, or won't, do your job, then you should choose a different profession. That is nothing less than saying that pharamcists and doctors who will not become involved in abortion should not be able to work.
|
|
| | | 633 | Boldwin
ID: 59747224 Sat, Aug 22, 2009, 12:55
|
That is defending the preceding proposition that you and Sarge were willingness to force people of conscience to become involved in abortions
You didn't deny it, you defended that position.
|
|
| | | 634 | Boldwin
ID: 59747224 Sat, Aug 22, 2009, 12:56
|
And taking an hour break to nap is not spineless.
|
|
| | | 635 | Tree
ID: 41371322 Sat, Aug 22, 2009, 13:13
|
bolding in posts is mine.
Tree, #614: The pharmacists job is to dispense medicine as prescribed by a physician, not to decided who should, or should not, get some drugs and not others.
Baldwin, #625: First Tree challenges me to prove doctors will be forced to perform abortions against their conscience...then he [and Sarge] moves directly to saying that it should be that way...
Tree, #626 NOW SHOW ME WHERE I SAID THAT DOCTORS SHOULD BE FORCED TO PERFORM ABORTIONS AGAINST THEIR CONSCIENCE.
Baldwin, #632, responding to the challenge in #626 where i ask him to show me where i said doctors will be forced to perform abortions against their conscience, or anything close to that:
___
sorry. i ran into a dead end. no where in 632 did you show me where i said anything even remotely related to your accusation about doctors. not one line, not one allusion, not one hint.
you are spineless. and you are a liar.
but, i'll give you the benefit of the doubt, and one more shot at proving to anyone reading this where i said what you claim i said,
go ahead, take that shot, liar boy.
|
|
| | | 636 | sarge33rd
ID: 236141411 Sat, Aug 22, 2009, 13:17
|
I'd never advocate Boldwin, firing an Orthopedic Surgeon for not performing an abortion. Nor would I fire a Neurologist for not performing an abortion. Nor would I hire an OB/GYN who would not include in their pre-natal counseling/examinations; the honest discussion that abortion is an option should it prove medically adviseable.
That you would advocate a patient may find themselves unable to avail themselves OF a medical procedure because of geopgraphy for ex (small town in the Bible Belt with limited means of transportation) and the local Physician capable of performing the procedure won't; and you find that a perfectly acceptable status for the one party (the Dr) to force their morality PHYSICALLY down the throat of another (the patient) with absolutley no regard fpor the rights of that patient....IMHO makes you a reprehensible human being. (long, ugly run on sentence I know.*shrug*)
|
|
| | | 637 | Boldwin
ID: 59747224 Sat, Aug 22, 2009, 14:27
|
Tree
Defending the proposition that people of conscience should be forced to become involved in abortions, is the same thing as saying doctors should be forced to perform abortions or lose their jobs.
Sorry if you cannot do the math.
|
|
| | | 638 | Tree
ID: 41371322 Sat, Aug 22, 2009, 14:39
|
Defending the proposition that people of conscience should be forced to become involved in abortions, is the same thing as saying doctors should be forced to perform abortions or lose their jobs.
you are so full of $hit.
just as these recent posts have shown, you simply are not a good person.
you obviously have no conscience, and no concern for how you represent yourself, your family, and worse considering how often you speak of God, your religion. you are a disgrace to all.
you're a liar, you're a hack, you have no qualms about being completely dishonest and making up whatever you damned well please to shore up whatever absurd argument of nonsense you're choosing to defend at that time.
you've shown you are not above rearranging a newspaper article to suit your needs, and now you've shown you're not above COMPLETELY CHANGING THE WORDS OF ONE OF YOUR FELLOW POSTERS to suit your needs.
you are worthless.
|
|
| | | 639 | Boldwin
ID: 26451820 Sat, Aug 22, 2009, 15:10
|
As if I should continue a discussion with a moron and a troll... How other than at the cost of their job did you think that they would be forced to violate their consciences as you approved of? Fined until they were broke? Same thing.
|
|
| | | 640 | Tree
ID: 41371322 Sat, Aug 22, 2009, 15:25
|
you claimed i said something.
you were very specific, when you accused me of claiming doctors should be forced to perform abortions.
i was also very specific when i said the job of a pharmacist is to fill out the doctor's prescriptions.
the only moron and troll here is you, and you've shown how low you're willing to sink, at least so far.
at this point, it wouldn't stun me to read in the news one day that you murdered someone to make your point. that's how far i think you'll ultimately go, nutcase.
|
|
| | | 641 | Boldwin
ID: 26451820 Sat, Aug 22, 2009, 15:41
|
I can show you their willingness to force people of conscienve to become involved in abortions, as Tree and Sarge's glee in forcing pharmacists to dispense or be fired proves. You favored it when it came to pharmacists and you favor it when it comes to doctors. You believe your political correctness is so righteous that others should obey or lose their livelihoods. Plenty of victims on the altar of political correctness to prove that about liberals.
|
|
| | | 642 | Tree
ID: 41371322 Sat, Aug 22, 2009, 15:55
|
Baldwin, post 641: You favored it when it came to pharmacists and you favor it when it comes to doctors.
i never said anything once about doctors in that regard. not once.
you can presume anything you want with zero basis in fact, and on the same token, i might as well presume you're a child molester, because there is the same bit of proof in both presumptions.
Tree, post 626, in reference to Baldwin's lie that i believe doctors should be fired for refusing to perform abortions: Show me where I said something that you apparently want to think i believe, but i simply don't believe.
no point in discussing this with you any further, sicko.
you've chosen to take the path of a liar, time and time again. even when shown that you're lying, time and time again, you choose to repeat the lie in the face of obvious evidence contrary to your lie.
|
|
| | | 643 | DWetzel at work
ID: 49962710 Sat, Aug 22, 2009, 15:56
|
Putting false words in Other people's mouths is not Christian or polite.
|
|
| | | 644 | Tree
ID: 41371322 Sat, Aug 22, 2009, 16:06
|
Christian or polite He is far from either one. A disgusting man.
|
|
| | | 645 | holt
ID: 57322215 Sat, Aug 22, 2009, 16:43
|
Get off your high horse Tree. You're a troll.
|
|
| | | 646 | Tree
ID: 41371322 Sat, Aug 22, 2009, 17:16
|
fine Holt, if you wanna get involved.
I've got no beef with you, but if you wanna start something, why don't you try to prove what Baldwin can't.
show me where i said that doctors who refuse to perform abortions should be fired.
it's not that difficult of a challenge. so, go on, give it a whirl.
|
|
| | | 647 | Boldwin
ID: 26451820 Sat, Aug 22, 2009, 17:54
|
You defended the proposition you moron. You can't now claim you don't believe it's true.
|
|
| | | 648 | holt
ID: 57322215 Sat, Aug 22, 2009, 18:21
|
Tree, I'm just sayin the personal attacks in this forum are out of control. It's just trolling. Some of you guys just need to take a break from each other for a while or something.
|
|
| | | 649 | Tree
ID: 41371322 Sat, Aug 22, 2009, 19:14
|
Holt - go back and read this thread before you come out and call me a troll, ok.
again, i've got no beef with you, but if you're gonna come out swinging and call me a troll without reviewing the facts, then you'll get one right back to the jaw.
the fact of the matter is that Baldwin claimed i said something. i simply asked him to show me where i said it.
when he couldn't, and didn't apologize, i called him a liar, because, it fits.
go ahead. review it yourself.
|
|
| | | 650 | holt
ID: 57322215 Sat, Aug 22, 2009, 21:01
|
I understand that you believe your flaming is justified. It litters pretty much every thread I look at in this forum.
|
|
| | | 651 | Perm Dude
ID: 154552311 Sat, Aug 22, 2009, 21:08
|
This thread mirrors how Obama's health care proposals are being debated nationwide.
Talked with my dad about the whole thing today. The problem seems to be that no one is talking about the things they should on this issue. The far right seems intent on whipping people up over "death panels" (which don't exist) or illegal immigration coverage (which is specifically excluded) or abortions (ditto).
No one seems willing to hold Obama's feet to the fire about costs (he promised the thing wouldn't add to the budget, but that doesn't appear to be the case). And no one is really talking about the mandatory nature of it, nor is anyone really having a discussion about the public option except to passionately talk about whether they want it in or out--no one really discusses why.
If the far right seems intent on making the wrong arguments they aren't going to win the ones that will actually make real differences.
|
|
| | | 652 | Tree
ID: 41371322 Sat, Aug 22, 2009, 21:25
|
I understand that you believe your flaming is justified.
a man is only as good as his word.
and if someone is going to accuse you of saying something, they'd damned sure be able to back it up with fact.
if they can't, they need to back off, instead of piling on.
so, i guess you're not going to show me where i said what Baldwin accused me of either?
PD is right. this does mirror the real debate. The radical right (Baldwin) are more than happy to lie to make some sort of false point.
Many of the rest of the right (Holt) are more than content to let the lies sit out in the open, uncorrected.
|
|
| | | 653 | Boldwin
ID: 26451820 Sat, Aug 22, 2009, 21:26
|
PD They are without question going to deny coverage and moreso the older and more disabled you get. If you get denied care you need to live, the body that decides that is a death panel. They without question explicitly demand that every single provider be prohibitted from asking if the person is an illegal alien. The denial that abortion isn't covered, is actually a clever denial that it is covered by tax dollars. When in fact it will be covered by money the government pulls out of you at gunpoint with fines if you refuse to purchase the coverage. Not only will abortions be covered but trans-gender operations. But granny can go take a pain pill.
|
|
| | | 654 | Tree
ID: 41371322 Sat, Aug 22, 2009, 21:44
|
those are all lies. plain and simple, all lies, and all have been covered, and proven false.
there is no other way to describe the stuff in post 653.
they're lies, and you have no shame, Baldwin.
|
|
| | | 655 | holt
ID: 14748234 Sun, Aug 23, 2009, 05:48
|
Tree - not everyone that disagrees with some liberal ideas is part of the "right". I'm not really concerned with any of the propaganda that comes from the wings of the two major parties, other than being irritated by it.
The tone of your posts makes it seem like you recently quit smoking or something. Just sayin.
|
|
| | | 656 | Boldwin
ID: 3779235 Sun, Aug 23, 2009, 06:17
|
The 'no shame' part will be when all those things inevitably come true and you do a victory dance over it, after having calling me a liar about these issues.
|
|
| | | 657 | Tree
ID: 41371322 Sun, Aug 23, 2009, 09:17
|
Holt - if someone accuses you of saying something you didn't say, do you just sit idly by?
Boldwin - for years, you've been saying such and such is going to come true. I'd love to see you compile a list, and i'd be curious if you've been right even just 5 percent of the time.
|
|
| | | 658 | Madman at work
ID: 317171810 Mon, Aug 24, 2009, 09:46
|
BR 610 -- It's my understanding that utilization has gone up when coverage has expanded in MA and most, if not all, other instances. The theory is that the act of paying for the insurance drives people to try to at least get something for your money. In MA, for example, there was a crush for annual physicals. Of course, I doubt that the BAC will approve payment for physicals, just like Medicare doesn't. But you get the gist.
And the supply of GP's isn't going to magically increase overnight. The role of clinics will be largely unchanged, I suspect, for at least a decade. And yes, that it speculation. But it is not like 50 million people can just call up a doctor and get quick access. In fact, most of us have some difficulty. More than 50% of healthcare reimbursement is coming from a very skewed set of public plans that is arguably strangling our access to care. We are reaping that whirlwind.
Just to recap my argument: Forcing someone to pay 15% (Senate Finance Committee) or 11% (HR3200) of their income upfront for premiums will make them LESS able to afford subsequent payments. A 65% actuarial value plan (SFC) or 70% actuarial value plan (HR3200) will ALSO require substantial cost sharing, on the order of an *expected* $3000-3500 for a couple, with a max of $10k-11k.
Tell me how that sort of insurance plan substantially changes her strategy. The biggest problem is that it sounds like, despite financial hardship, she and her husband were still earning lower-middle class money, at least. Which means they wouldn't have qualified for the largest subsidies, which are reserved for those under 200% or so of FPL.
|
|
| | | 659 | Boldwin
ID: 37522413 Mon, Aug 24, 2009, 15:01
|
And the supply of GP's isn't going to magically increase overnight - Madman
Except offshore.
In fact when potential doctors of the future learn that the government will assign where they would do their residency, they will be less inclined to become doctors. When they learn their incomes will be a big part of the system from which Nancy Pelosi intends to squeeze to achieve revenue nuetrality, they will be less inclined to become doctors.
And amazingly after asking all those sacrifices from doctors, including the freedom to pick treatments, they still aren't willing to allow doctors any tort reform!
Need some procedure and you can't afford to stand in line? Book a flight to some island in the Bahamas. That will work at least until globalization is completed.
|
|
| | | 660 | biliruben
ID: 461142511 Mon, Aug 24, 2009, 15:01
|
I would rather the system be better in 10 years than never.
Yes, we will need to provide proper incentives for docs to again be interested and able (to pay back medical school loans) to go into general practice.
Yes, we are going to need to require people to pay more when young and healthy, so we can afford to pay for them when they are old and sick.
No, the cardiologist who my friend is seeing won't continue to see him should he lose his insurance. (I just talked to her about it).
Yes, he would have to bankrupt himself if his wife were not able to find another job (which she fortunately just did).
Yes, it should be a crime in this country to throw people off the rolls as soon as they get sick. But it isn't. Yet.
|
|
| | | 661 | Boldwin
ID: 37522413 Mon, Aug 24, 2009, 15:17
|
Ya'know that's the problem with liberals.
Yes we need environmentalism.
But liberals just use it as a vehicle to sabotage the system and establish marxism, so they ruin the issue for those who truly would like to see a real environmentalism.
Yes we need insurance reform and tort reform.
But we don't need a massive loss of freedoms and massive government intrusion into our lives. We don't need the government deciding when we get treated and when we die. We don't need the government with direct access to our bank accounts. We don't need government controlled civilian armies. This is not change we need.
|
|
| | | 662 | biliruben
ID: 461142511 Mon, Aug 24, 2009, 15:23
|
You have lost your ability to reason. I can't communicate with the massively delusional.
|
|
| | | 663 | Boldwin
ID: 37522413 Mon, Aug 24, 2009, 15:56
|
Ditto right back atcha. I show you right in the bill where it says what I say it does and you are in such massive denial, so ready to believe the best of Obama that you usher in your own doom with blind eyes wide open.
|
|
| | | 664 | sarge33rd
ID: 17681812 Mon, Aug 24, 2009, 15:57
|
Didn't we already get a "massive loss of freedoms and massive government intrusion" under the rec Republican Administration and Congress? And didn't we see an actual reduction in the size of our Government under the last "Liberal" Administration? I'm just saying...
|
|
| | | 665 | Perm Dude
ID: 154552311 Mon, Aug 24, 2009, 16:00
|
These days, bili, when the wacky right are faced with their own acts of bearing false witness, they now half-back down by stating it is a matter of "interpretation."
More relativist crap. You're right to skip the attempts at communication. Signs are pointing to the Administration working on making this a Democrats only bill (something they should have done some time ago, when it was clear that Republicans were only interested in saying "no" to everything and anything.
|
|
| | | 666 | Madman at work
ID: 317171810 Mon, Aug 24, 2009, 17:01
|
br -- Yes, it should be a crime in this country to throw people off the rolls as soon as they get sick. But it isn't. Yet. Yes it is. This is regulated by each state's ID. You see something in HR3200 that will change this?
Bold -- the gov't will also get access to our IRS tax returns. What's still being fleshed out is how the government will make amends if we accidentally get a job during the year after we've petitioned for lower copays. The Senate and House bills diverge so much on the punishment issue that I don't know there's a way to predict.
But we do know what the government has done to employers who misreport the size of their workforce in order to send their seniors onto Medicare. It won't be pretty.
|
|
| | | 667 | DWetzel at work
ID: 49962710 Mon, Aug 24, 2009, 17:08
|
Re: 659 (specifically the last sentence)... you make it sound as though that is something that is GOING to happen, not something that is ALREADY happening.
Medical Tourism
From the article:
According to an article by the University of Delaware publication, UDaily: “ The cost of surgery in India, Thailand or South Africa can be one-tenth of what it is in the United States or Western Europe, and sometimes even less. A heart-valve replacement that would cost $200,000 or more in the US, for example, goes for $10,000 in India--and that includes round-trip airfare and a brief vacation package. Similarly, a metal-free dental bridge worth $5,500 in the US costs $500 in India, a knee replacement in Thailand with six days of physical therapy costs about one-fifth of what it would in the States, and Lasik eye surgery worth $3,700 in the US is available in many other countries for only $730. Cosmetic surgery savings are even greater: A full facelift that would cost $20,000 in the US runs about $1,250 in South Africa.[7]
Are you going to try to tell me that insurance reform and tort reform makes up 90% of the cost of these procedures?
|
|
| | | 668 | biliruben
ID: 461142511 Mon, Aug 24, 2009, 17:50
|
Yes it is. This is regulated by each state's ID.
44 states allow a health insurer to rescind an individual policy without state review.
So, it's only the vast majority of states, not all. And "they working on it".
This isn't probably even the biggest problem.
- The skyrocketing premiums after the discovery of a condition, which makes you essentially un-insurable.
- The near impossibility of getting coverage with a pre-existing condition after you have been uninsured for any length of time.
You see something in HR3200 that will change this?
Yes. It's called the public option.
|
|
| | | 669 | Madman at work
ID: 317171810 Tue, Aug 25, 2009, 11:15
|
BR668 -- You are totally misunderstanding that quote. In fact, only CT has a requirement that the ID must review before being revoked. Requiring review BEFORE rescission is hardly the same thing as having no regulation in place. Virtually all states have regs in place for this, to one degree or another ... requiring appeals processes, etc. This is the sort of consumer protection that ID's live for. And you can always appeal to the court system.
How will the public option change this? Won't it be subject to the same strictures as HR3200? My personal concern is that a company like the public option could come in and force many non-profits to broaden their rescission policies. In fact, because the public option will advertise itself as the public option, it is going to subject to some heinous risk, increasing the incentive to engage in this sort of thing so that it can try to keep a lid on its premiums. And to double-down, the risk-adjustment processes and copay subsidy processes in HR3200 raise the stakes ... fraudulent reporting of income or age or family status will be of greater interest to companies than ever before.
Rescission policies are usually a race to the bottom, and Exchange based policies won't be regulated at the state level. The independent 3rd part review process setup by the new Commissioner will be run by the administration (I repeat the citation: Section 162); it could be strong it could be weak. Its existence also could strengthen the company's hand in the regular court system.
Note that even Families USA shares the concern that even in GI states, the insurer may still have incentives to engage in rescission (see their June 2008 paper on post-claim underwriting), so it is not just me. I think this is yet another area where HR3200 may make things worse and not better.
|
|
| | | 670 | biliruben
ID: 461142511 Tue, Aug 25, 2009, 12:08
|
Your dire predictions may well come true. I'll still take my chances with a guarantee of insurance over guaranteed penury just for the opportunity to lose your cardiac specialist just at the moment when death is on the line.
If you know what some of her patients are going through in order to continue to be able to see her, your defenses would not be so staunch.
The system is great, as long as you are healthy and paying healthy premiums.
When you are born sick or get sick, however, the current system really f's you up the arse.
|
|
| | | 671 | Madman
ID: 317171810 Tue, Aug 25, 2009, 13:13
|
I'll still take my chances with a guarantee of insurance over guaranteed penury Again, in most states, you have guaranteed access to insurance today. The issue is one of cost and distribution of that cost.
Not sure what your cardiologist friend is going through. Initially, cardiologists were on the chopping block with reform. That may have passed.
I have yet to see anyone address why my "universal HIPAA creditable coverage" approach wouldn't be far superior to the insurance reforms under HR3200. If you wanted to include a independent review process for rescissions at the national level on top of that, feel free. That approach doesn't address the cost problem. But HR3200's doesn't do much on the cost side, either, except for subsidize the heck out of insurance costs that are already too high.
But I don't feel comfortable putting the primary responsibility for rescission determinations away from the impacted people. State ID's have their problems. Consumer protection really isn't one of them as far as I can see.
|
|
| | | 672 | biliruben
ID: 461142511 Tue, Aug 25, 2009, 13:18
|
Explain what guaranteed access means?
I've seen too many cases of catastrophic illness where, after they use up COBRA, a patient has to quit their job or go on disability, burn through every cent they have, in some cases selling their house, just to qualify for medicaid. And then their old docs will no longer see them.
Is that what you mean by guaranteed access?
|
|
| | | 673 | Madman
ID: 317171810 Tue, Aug 25, 2009, 15:05
|
BR672 -- No. Almost all states have some sort of HIPAA guaranteed creditable coverage. If you currently have a group plan, you can always buy insurance from somewhere, under various restrictions. Coverage for All has some good navigation tools by state.
Some states satisfy this by making their individual policies guaranteed issue. Obviously that satisfies the problem (although it raises costs).
Most, however, use high risk pools. A $1,000 deductible plan in MN, for example, for a 60 year old will cost $699. A high rate, but at least it is coverage. And that's a 60 year old. I think MN requires you to use up all 18 months of COBRA eligibility before you apply; most states require this. Other states don't (like ID).
To make a long story short, my healthcare insurance reform proposal is to make HIPAA creditable coverage universal and without strings. The maze of "if-thens" is staggering and you can quickly get trapped by regulation. I passed exams on it, but I still can't tell you specifically what your options always are.
The biggest "if-thens" are that this doesn't work going from individual to individual or individual to group coverage types. You also have to pay for COBRA, etc., before getting access. Lastly, most states have budget crunches and haven't sufficiently funded their pools.
By making creditable coverage universal(my proposal), once you get insurance, it can't effectively be taken away. You can always get it from somewhere else. That means the high risk pools no longer really matter. The cost of this option is then spread to the existing individual policyholders.
Another problem in the individual market in some states is that insurers will "close" blocks of policy holders and rate them up. Under universal creditable coverage, that wouldn't work since you could just switch to a "for-sale" block.
There are many technical details and issues that I won't bore you with. I'll admit that I don't have it all worked out. But I will suggest to you that I'm a lot closer than Waxman is.
And compared to the highly uncertain regime switching idea of exchanges and impersonal federal control, I would strongly advocate extending and simplifying existing HIPAA guaranteed access provisions.
|
|
| | | 674 | Madman
ID: 317171810 Tue, Aug 25, 2009, 15:16
|
Example under current law: Washington State High risk Insurance Pool at wship.org Eligibility: https://www.wship.org/non_medicare_eligibility.asp
Doesn't seem like you have to pay COBRA as a pre-req in Washington.
Premiums: https://www.wship.org/Docs/2009%20Non-Medicare%20Rates.pdf
$1,000 deductible, 40 year old rate of just over $600.
Expensive, but probably way better than paying the claim cost.
Furthermore, if you are smart with your finances, this sort of plan makes it a very rational choice to go uninsured in Washington. You can save your cash and then when you get sick go onto this sort of plan.
To be clear, my approach still leaves the uninsured problem unsolved. But it solves the portability problem once and for all. By solving portability, I suspect the uninsured rate will at least stop to climb and could reverse.
If you couple my approach with a mandate, you get something closer to what AHIP initially proposed a long time ago. I'm not a fan of a mandate in a free country, so I can't go that route. But that means I have to live with uninsured.
|
|
| | | 675 | biliruben
ID: 461142511 Tue, Aug 25, 2009, 15:20
|
If you currently have a group plan...
That's one massive if. My buddy hasn't been insurable since he turned 18 and was no longer insured under his parents.
If he were gay or ugly, he'd likely be dead.
|
|
| | | 676 | biliruben
ID: 461142511 Tue, Aug 25, 2009, 15:28
|
That's an interesting plan, Madman. Thanks for looking that up.
I think this might be the catch:
Your benefits are duplicated under public programs;
|
|
| | | 677 | biliruben
ID: 461142511 Tue, Aug 25, 2009, 15:48
|
To be clear, I'm simply trying to square what the cardiologist told me yesterday with the existence of this plan. She thought medicaid was the only recourse.
I'll be doing some digging on the details of insurance coverage for specialists like her all across the country soon, so I'll learn more.
|
|
| | | 678 | Madman
ID: 20131721 Tue, Aug 25, 2009, 22:45
|
BR676 -- "Your benefits are duplicated under public programs" ... I think that means that if you qualify for Medicaid, etc., then you don't qualify for this plan. Most states have something like that in them. From the state's perspective, it's cheaper to have someone on Medicaid and get some federal matching funds than to put them into this sort of plan.
To be clear, you have to apply for individual insurance and get denied coverage. Looks like Washington has a standard health status application (see this link: http://healthinsuranceinfo.net/getinsured/washington/individual-health-plans/individual-health-insurance-sold-by-private-insurers/ ) ... if you score above a certain amount, you'll get denied and have to go to WSHIP; otherwise you get coverage from the carrier you apply with.
I know this doesn't apply to your friend, but they interestingly require private carriers to cover HIPAA eligibles, so they aren't automatically dumped into WSHIP. Some states do that to save $$$, and if you have a large enough individual market, I think it can make sense. But only if you have a large market ... and if you have an alert ID and can prevent insurance carrier churning.
|
|
| | | 679 | Madman
ID: 20131721 Tue, Aug 25, 2009, 22:52
|
Not to double post, but one reason a cardiologist may not refer someone to WSHIP is if they aren't in the network for that plan. Here's the provider directory for WSHIP's network, as best as I can find: http://www.fchn.com/providerSearch/providerDirectories.aspx . Is your bloke in there?
|
|
| | | 680 | biliruben Leader
ID: 589301110 Wed, Aug 26, 2009, 00:37
|
Yeah. She's there. I'm not sure what the story is. There is a large group of unknowns in the ins. data we got from these specialty cardiology clinics that I'm going to try and pin down.
Though I don't follow most of your argument, I think it might be safe to characterize it as " it is better to reform the current system to more strongly regulate, and add more competition."
If you were doing the reforming, I might trust you. The insurers appear to have no interest in either of those goals, however. They are fighting it tooth and nail.
|
|
| | |
| | | 682 | Madman
ID: 20131721 Wed, Aug 26, 2009, 22:20
|
The insurers appear to have no interest in either of those goals, however. They are fighting it tooth and nail.
I would suggest that it is important to keep in mind that there are a variety of different insurance interests out there. Predominantly, what you see at the national level are the national for-profit group carriers. What they want is for someone else to solve to cost problem, require everyone to buy their products, and leave them free to make money.
That segment of the industry doesn't represent the whole, any more than the AMA represents all doctors. Perhaps the saddest thing we've learned over the past 6 months is just how absolutely corrupt the entire process has become.
The regional non-profits are getting slammed by both sides: both sides want to take our business. One wants to give it to government, the other wants to make profit from it. Whatever.
No one would allow me to do the reforming. I'd get kicked out of the room so fast my head wouldn't have time to spin.
PD -- I think, among other points, that article is saying that the Republican position on HC reform lacks coherence. I'd agree. In fact, when push came to shove last fall, I ranked Obama's campaign as the least damaging of the many proposals floated at that time, in broad outlines. Unfortunately, many of those principles have either been explicitly abandoned (individual mandate is now accepted), are being used deceitfully (everyone can keep their insurance, which just isn't true in HR3200), or have had so much mish-mash added to it that the result is a monstronsity that I don't see how any fair-minded person can support it.
For an example of the mish-mash, take the big Pharma deal. They offer a 50% off sale on brands in the famous "gap". In return, government certifies brand coverage in the gap. Net result is greater sales, greater profits, and higher expenditures on drugs. Meanwhile, we are all congratulating ourselves because big Pharma is cutting prices in half. Say what?
Meanwhile, in order to compensate them for their "sacrifice" that raises their profits, they win every other possible concession they could desire (no gov't negotiation, no reimportation, extended patent protections, etc.). This is just absolutely terrible nonsense.
Of course, the biggest tragedy is the following argument (paraphrased): "We must pass an unsustainable middle-class entitlement because we have an unsustainable Medicare program." This is generally followed by discussions for why, even though we are headed for fiscal catastrophe in 10-15 years, at least this whole thing doesn't make the disaster happen *faster* than it would have if we had done nothing. Say what?
The disconnect this Congress has from reality is staggering. Meanwhile, people's COBRA subsidy is set to end in December. Unemployment rises. Portability becomes more problematic every day. Funding becomes more difficult every day. And there's not a single provision in any of the HCReform bills that even purports to do anything about that until 2013 ... and even then, as I've pointed out, the bill's provisions suggest plans for outrageously expensive plans with slim benefits.
So the other side doesn't have the political will to do anything either. That's no excuse for making things worse today.
|
|
| | | 683 | DWetzel
ID: 33337117 Thu, Aug 27, 2009, 13:12
|
Madman, please post more.
I disagree with a lot of what you say.
Please post more anyway.
|
|
| | | 684 | biliruben
ID: 461142511 Thu, Aug 27, 2009, 13:22
|
I agree that there are problems with the current bill - big pharma being a huge one. Cost containment being another.
The problem as I see it is that if we don't get something passed, and hope we can fix on as we go along, health care reform is going to be untouchable politically for a generation. At that point, we will be spending every last dollar of the GDP on health care, and forced to do something, but it will be too late to do anything well.
|
|
| | | 685 | Boldwin
ID: 11772621 Thu, Aug 27, 2009, 13:30
|
"We must pass an unsustainable middle-class entitlement because we have an unsustainable Medicare program." This is generally followed by discussions for why, even though we are headed for fiscal catastrophe in 10-15 years, at least this whole thing doesn't make the disaster happen *faster* than it would have if we had done nothing. - Madman
This brilliantly pithy insight presumes they ever intended to come as close as possible to maintaining the American way of life as possible.
In truth all this reckless overspending on credit was based on the implicit understanding among the power elites, that America was never meant to last, not in their plans, nor were an awful lot of useless eaters, again, by their way of thinking.
|
|
| | | 686 | Perm Dude
ID: 154552311 Thu, Aug 27, 2009, 13:33
|
Good points on Pharma, Madman. I had meant to post something on that deal, which pisses me off, frankly.
I believe Medicare is unsustainable (particularly if we do nothing, or continue the program essentially as is), but HR3200 has the potential to be sustainable. It certainly has the probability to cut costs significantly. There are just too many unknowns at this point. We have no real idea of the effect of a public option, for example, particularly since the particulars of the public option are almost certainly going to change as everything moves around the free market board.
There are parts of the bill I really, really don't like. And I wish there were some smart conservatives raising some of the issues as you do, to make this bill a much better one. But the GOP has decided to make its theme: "Obama's Legislative Defeats" as a cornerstone to a GOP comeback. And that makes bills like this far worse than it should be.
|
|
| | | 687 | Perm Dude
ID: 154552311 Thu, Aug 27, 2009, 13:34
|
adding onto #684: The farther along we go, the more difficult this thing will be to fix. The perfect is the enemy of the good.
|
|
| | | 688 | Boldwin
ID: 11772621 Thu, Aug 27, 2009, 13:43
|
I'd love to see a pilot program where some coop or HMO was a lawsuit free zone, as well as free of the obligation to treat those who could not pay. Then perhaps we could get back to the true costs of healing someone.
|
|
| | | 689 | biliruben
ID: 461142511 Thu, Aug 27, 2009, 13:45
|
Lawsuits are a really, really, really, really small part of the cost of health care, and not increasing. Even if we completely lost the ability to sue for incompetence or poor manufacture or design, we would not solve even a thousandth of the cost problem.
Look elsewhere for solutions, tort reform ain't it. Look at Texas as a pilot. It didn't do diddly.
|
|
| | | 690 | Perm Dude
ID: 154552311 Thu, Aug 27, 2009, 13:49
|
As we saw in Texas, limiting lawsuits only resulted in increased insurance company profits. Doctor premiums did not fall.
The disconnects in the arguments about medical tort reform are the size (as bili points out) as well as the assumption that limiting insurance company payouts in court-ordered settlements will result in them lowering premiums to doctors. They have no incentive to do so.
|
|
| | | 691 | Boldwin
ID: 11772621 Thu, Aug 27, 2009, 14:16
|
Ok, we can even eliminate that. Go with the self-insurance, fee only plan. Earlier I posted a link to a clinic that foregoes insurance altogether. I'll go dig that up.
|
|
| | | 692 | rockafellerskank
ID: 2511552911 Thu, Aug 27, 2009, 18:08
|
Re: #689, Why does everyone dismiss out of hand that tort reform is a non-impacter? I've seen estimates that in its current state, it's a $300B factor.
It's my understanding that Texas does not have a MD shortage and that malpractice insurance premium shave fallen. Whay is that a bad thing?
This study by The Perryman Group seems to have some very valid conclusions.
from page 33...Conclusions:
Texas has brought about notable economic progress and other benefits through tort reform. By improving the civil justice system, the state has created a more fair and equitable mechanism to resolve disputes and compensate injuries, thus setting the stage for sustainable long-range growth and prosperity. The Perryman Group’s analysis of the incremental benefits of tort reform illustrates that the gains include nearly a half-million jobs in the state of Texas and about $31.6 billion in annual personal income. Annual output is also $51.2 billion higher, while total spending is up $112.5 billion each year as a result of reforms. A substantial portion of this stimulus stems from the recent efforts to limit non-economic damages associated with medical malpractice. In addition to these quantifiable measures, there are a number of other positive outcomes such as growth in the number of doctors entering the state, a decrease in the volume of lawsuits with little real merit, and many others. Benefits accrue through multiple channels including the investment climate, business activity, insurance rates, consumer wellbeing, productivity, jobs, output, income, inflation, economic development, and fiscal soundness. In fact, State budget resources (enhanced revenue and reduced spending requirements) are almost $2.6 billion higher each year than they would be in the absence of these reforms. “The Perryman Group’s analysis of the incremental benefits of tort reform illustrates that the gains include nearly a half-million jobs in the state of Texas and about $31.6 billion in annual personal income.” A Texas Turnaround: The Impact of Lawsuit Reform on Business Activity in the Lone Star State 34 perrymangroup.com © 2008 by The Perryman Group Even so, challenges remain, with some regions of the state being known as areas where justice is not fairly administered. Clearly, continued vigilance and improvement is warranted. Increasing the effectiveness and efficiency of the civil justice system has brought significant dividends to Texas, and ongoing efforts can help to assure long-term competitiveness, prosperity, and economic opportunity. Respectfully submitted, M. Ray Perryman, PhD, President The Perryman Group
|
|
| | | 693 | Perm Dude
ID: 154552311 Thu, Aug 27, 2009, 18:27
|
I've seen that study, but its biggest problem is that it can't tie its glowing conclusions to tort reform.
For instance, it talks about total savings since 1995, which is 8 years before the 2003 Texas law which limited award amounts. It touts the number of Texans who now have insurance without noting that Texas still has the highest percentage of people without health insurance in the country, and for those who do saw their premiums rise 40% between 2001-2005 (which includes time before and after the tort reforms which were to have made insurance more affordable).
Most of the cost savings they discuss is the savings of not having to defend lawsuits, nor to pay out larger claims for those that win their suits. Fair enough--but does this result is less actual malpractice? The report is silent on that.
I honestly don't mind lower malpractice amounts it it was accompanied by lower health care costs and lower actual malpractice. In Texas and other places insurance companies haven't shown they can do the first. And they aren't talking about the second.
|
|
| | | 694 | biliruben
ID: 461142511 Thu, Aug 27, 2009, 18:31
|
Because it's horseshite. The good doctor is pulling numbers out of his ass, and saying any change is due to tort reform. I'm not going to trust a guy to do unbiased research with a client list like this.
And even if he weren't bought and paid for, I would still require some limited justification for his multipliers. Appendix B is a pile of manure.
|
|
| | | 695 | Seattle Zen
ID: 437272710 Thu, Aug 27, 2009, 21:57
|

Glen Beck is cheering this guy on...
|
|
| | | 696 | Boldwin
ID: 327572713 Thu, Aug 27, 2009, 22:37
|
Well also the fallacy of counting up the malpractice awards and saying these don't add up to these cost increases...
...it doesn't take into account what it does to a doctor or an institution knowing that one innocent mistake can wipe out a lifetime of achievements and wealth. They are going to overbuild a wall of money defending against that eventuality.
When you are in that position you are darn sure going to make sure that those potential robbers pay thru the nose to make it worth his while to take on that kind of risk.
Insurance companies are also well within their rights and obligations to make sure their potential losses are well covered.
|
|
| | | 697 | Madman
ID: 20131721 Thu, Aug 27, 2009, 22:43
|
That guy should be cheered on because has a good point: the Feds don't interfere with the practice of medicine via Medicare. Until and unless someone proposes a similar prohibition with Obamacare, there's nothing remotely contradictory in that guy's position. The BAC, CER, etc., all are designed to steer care in "cost-effective" ways. Medicare doesn't do those things (although we are starting to push the envelope, arguably, and this very point is also part of the debate even within Medicare).
Title 42, Section 1395: I quote in full: Nothing in this subchapter shall be construed to authorize any Federal officer or employee to exercise any supervision or control over the practice of medicine or the manner in which medical services are provided, or over the selection, tenure, or compensation of any officer or employee of any institution, agency, or person providing health services; or to exercise any supervision or control over the administration or operation of any such institution, agency, or person.
That's Medicare today, which doesn't resemble anything in HR3200 that I see. Consider me in the camp with the fat retired guy. I suspect Obamacare would face far less opposition if they just made it a fee-for-service, pass-through-the-cost sort of program. Of course, then it would be even more outrageously expensive.
|
|
| | | 698 | Perm Dude
ID: 154552311 Fri, Aug 28, 2009, 01:17
|
"Hands off Medicare"??
Do you even hear yourself, Madman?
If a stupidly outrageous program, which is only going to get more expensive, isn't a problem for you then what was all the previous stuff you wrote--merely a straight man's setup for some "Obamacare" punchline?
|
|
| | | 699 | Seattle Zen
ID: 437272710 Fri, Aug 28, 2009, 01:29
|
The main point behind health care reform is to lower health care costs. So, please, let's "interfere" with medical care by lowering the costs. Far, far, far too much of our economy goes into the black hole of health care, it must end.
Of course you are with this guy, Madman. You always have had a predilection for anti-government, libertarian, and self-centered. You would rather pay an exorbitant amount for something even if collectively it could be done far more effectively, just so no one else may benefit from this efficiency. Your stubborn support of the status quo is quite devoid of logic.
|
|
| | | 700 | Madman
ID: 317171810 Fri, Aug 28, 2009, 09:41
|
PD says that I'm arguing in favor of an exorbitantly expensive collective solution that has failed.
SZ then argues that I'm arguing for paying an exorbitant amount for an efficient collective program. I'd be interested in hearing a direct debate between you two about whether Medicare has successfully collectivized healthcare or not.
My point is just that I think we have to be very, very careful about defining the federal government's role in medical care delivery, and by this I mean we need to be careful about which powers we transfer from Congress and into the bureaucracy.
I'm still not convinced that the Alternative Delivery System approach started up 25 years ago doesn't tell us the long-run way out of this boondoggle. Individual self-selection into the type of managed care they want is one valid way to proceed. To date, because the costs haven't been bad enough, we really haven't put the question to seniors. The 20%+ of seniors who go into HMOs aren't really choosing their managed care regime to the degree that they will need to.
Short of that, regionalization of benefit designs and care is another possibility. Something cutting the difference between US Medicare and Medicaid, which have both failed. Here, the Canadian national/regional split may be worth pulling some nuggests of wisdom from. National Colleges and Associations of docs have a strong influence. But in the day-to-day practice of medicine, state boards and local teaching hospitals can play just as big a role, if not bigger. Medical care is local; we ignore that truth at our peril.
The worst of both worlds, I hope we could all agree, is federal interference in medicine *without* effective cost containment. And that's what I think is in this bill. -----------
BR -- I don't share your pessimism. I've already spent too much time here today. But I'll just quickly say that this bill isn't healthcare reform. Yet, the rhetoric is real; there is a problem that must be solved. That means it will come back -- EVEN if this bill passes -- by 2013/2015.
After 1993/94, we had small group rate law reform, HIPAA, etc. I'm a proponent of incremental reform that allows for in-course adjustment.
In contrast, if the bill passes, the cost problem is projected to explode on us. Think of the 2013-2022 10 year budget window, with a Medicare trust fund going bankrupt in a couple of years, and you'll see what I'm saying.
It is true that this may be the last golden chance for a public option. But even that, I think, is a misread for how this stuff works. Public opinion will still decide this thing, now and in the future. At some point if people really want that, they'll get it, for better or worse.
I'm not sure this round is over; I rather think not. But even if it is, the strategy is clear: pass incremental reforms. And then, when you want to make another big push, ignore all reforms that have been inacted to date.
|
|
| | | 701 | Perm Dude
ID: 154552311 Fri, Aug 28, 2009, 11:16
|
RNC says that "the government" might use voter registration to deny health care to Republicans:
|
|
| | | 702 | DWetzel at work
ID: 49962710 Fri, Aug 28, 2009, 11:21
|
What. The. Hell.
So we've really come to this, have we?
|
|
| | | 703 | Perm Dude
ID: 154552311 Fri, Aug 28, 2009, 11:23
|
My wife points out that having an asshat might be considered a pre-existing condition for some of these voters...
|
|
| | | 704 | Boldwin
ID: 327572713 Fri, Aug 28, 2009, 11:33
|
That's because you haven't met the Emanuel brothers.
|
|
| | |
| | |
| | | 707 | biliruben
ID: 461142511 Fri, Aug 28, 2009, 13:55
|
That's because you haven't met the Emanuel brothers.
Because if you had, you'd have felt the hammer, been turned to stone, or a movie star!
|
|
| | | 708 | Boldwin
ID: 26451820 Fri, Aug 28, 2009, 16:29
|
Nasty nasty men. The mentality of Chicago mafioso. They look right thru you, figure out how much gold is in your mouth and already have you sold for soylent green in their minds.
|
|
| | | 709 | biliruben
ID: 461142511 Fri, Aug 28, 2009, 16:35
|
I agree.
Thank the gods I wasn't so vile and ruthless as to pursue treating people for cancer. No greater pit of scum and villainy as an oncology convention.
Get. A. Grip.
|
|
| | | 710 | Boldwin
ID: 26451820 Fri, Aug 28, 2009, 16:37
|
In fact the 'organized institutional resistance' to this healthcare plan is entirely different than it was with Hillarycare. The institutional interests are terrified and blackmailed this time which I lay entirely at Rahm Emanuel's feet. If it wasn't for a genuine populist uprising this thing woulda slid thru like butter. Where was the AMA in this? In a back room with duct tape across their mouth. Big Pharma was totally different this time. They even went so far as blackmailing everyone they bailed out into supporting Obamacare.
|
|
| | | 711 | biliruben
ID: 461142511 Fri, Aug 28, 2009, 16:39
|
...genuine populist uprising...
Giggle.
|
|
| | | 712 | sarge33rd
ID: 17681812 Fri, Aug 28, 2009, 17:51
|
...genuine populist uprising...
So that's what we are to call right-wingnut lies and falsehoods now?
|
|
| | |
| | | 714 | Boldwin
ID: 07362823 Wed, Sep 02, 2009, 23:21
|
Yeah, but they are all bad.
|
|
| | | 715 | Perm Dude
ID: 154552311 Mon, Sep 07, 2009, 16:10
|
Republicans against Medicare.
In April, the GOP was against Medicare but they were for subsidies to help retirees enroll into private plans. In August the GOP ran screaming against subsidies to help non-retires enroll into private plans and made videos extolling the virtues of keeping Medicare.
Hard to tell what the GOP is for anymore. Except they are against whatever Obama is for.
|
|
| | | 716 | Perm Dude
ID: 154552311 Wed, Sep 09, 2009, 23:42
|
Anyone catch the speech? I didn't see it live, but apparently this guy forgot that this wasn't a town hall meeting where one is encouraged to shout out crap:
Sad that the President is called a liar at all, but over that particular issue (which is provable) seems particularly descriptive of the GOP these days. In fairness, the Congressman did apologize.
I've read a lot of reactions to the speech, plus the speech itself, and I was impressed with the ability to bring out some of the talking points in more clear ways.
I think the final bill will be much closer to Baucus' than Obama's, and will get maybe one GOP vote in the Senate. But all the August grief will make Obama's bounceback seem that much higher when it all gets done.
|
|
| | | 717 | biliruben Leader
ID: 589301110 Thu, Sep 10, 2009, 00:01
|
Despicable behavior.
|
|
| | | 718 | biliruben Leader
ID: 589301110 Thu, Sep 10, 2009, 00:07
|
I read the transcript, but can't find the video. Anyone have a link?
|
|
| | | 719 | Razor
ID: 14791320 Thu, Sep 10, 2009, 00:12
|
The Right's just gone completely overboard. There is no justification whatsoever for an outburst like that during a Presidential speech in front of a joint session of Congress.
|
|
| | |
| | | 721 | boikin
ID: 532592112 Thu, Sep 10, 2009, 09:45
|
we need more hecklers and less clappers....speeches need to be like football games not tennis matches.
|
|
| | | 722 | Perm Dude
ID: 154552311 Thu, Sep 10, 2009, 10:03
|
A Presidential address before Congress should include hecklers?
|
|
| | | 723 | walk
ID: 147451314 Thu, Sep 10, 2009, 10:12
|
My wife and I watched the speech and republican rebuttal by the heart surgeon congressman from Louisiana (who has accused Obama of not being American). We are major Obama supporters, so my view is biased in that way, but I think he's a class act who is trying to something that would be good for the country, but change is really hard. I think that Obama even tried to address this issue of change in defining the need for healthcare reform (rising costs, millions uninsured, folks denied coverage for pre-existing conditions, folks losing coverage when they get seriously ill) and then also spelling out what healthcare reform is not (it is not socialism, it is not going to mean you lose your current insurance, it is not going to result in rising healthcare premiums, it is not going to affect medicare and medicaid). However, a lot of these points are empirical and remain to be seen based on implementation, if a bill is passed based on the plan Obama proposed.
Regarding Wilson. He showed no respect, no class and no self-control. I think it's an age and race thing myself (that smart-aleck non-white guy). As Rahm said, that stuff just is just not done to a sitting President in such a session. Wilson apologized, after Rahm asked for an apology, and first he apologized "through his office." He then later called the white house and got Rahm.
One WSJ article below reveals some unintended consequences of Wilson's remark and Gail Collins sums up the civility, and the "party of no" (and the party of wimps) better than I can.
Wilson's Comment Leads to $100k in Contributions to Dem Rival
Gail Collins
|
|
| | | 724 | Tree, in Texas
ID: 41371322 Thu, Sep 10, 2009, 10:18
|
why don't we just start throwing tomatoes at the president too...
come on...it was absolutely rude behaviour on the part of Wilson.
the speech was solid, and gave people want they wanted - specifics. granted, this is Obama's plan, and not necessarily the one that will earn final passage through congress, but it was the kind of speech Obama needed to deliver.
|
|
| | | 725 | Perm Dude
ID: 154552311 Thu, Sep 10, 2009, 10:21
|
I have no idea why heckling would be considered constructive, unless (like the GOP) there is no intent to be constructive, only to block things.
|
|
| | | 726 | Mith Dude
ID: 01629107 Thu, Sep 10, 2009, 10:25
|
we need more hecklers
Filling the Boxman/Jag void?
|
|
| | | 727 | Boldwin
ID: 08311010 Thu, Sep 10, 2009, 11:46
|
That was the only truthful moment of the evening.
They stick a statement in the bill that illegals are not covered...
... and then they specifically and explicitly demand that every last person in the healthcare system be prohibited from asking if the recipient is an illegal.
...and then they vote down every amendment proposed that would fix the gaping loophole.
Obama was telling a huge whopper and thank God one man in the room was willing to speak truth to power.
|
|
| | | 728 | Tree, in Texas
ID: 41371322 Thu, Sep 10, 2009, 12:37
|
obama would tell you the sky is blue, and you'd call him a liar.
what's funny about this whole thing is that hospitals treat illegals now. it's not as if there is a provision in any health care bill that says "we must treat illegals"
it's more lies from the rude, obnoxious, oblivious, dishonest Right.
|
|
| | | 729 | Mith Dude
ID: 01629107 Thu, Sep 10, 2009, 12:43
|
Tree, the bill states - explicitly - that illegals are not eligible, but even that clause is superfluous. It's already against the law for illegals to receive healthcare from a government-sponsored plan.
These people are not serious.
|
|
| | | 730 | Perm Dude
ID: 154552311 Thu, Sep 10, 2009, 12:45
|
Good point, Tree (and send me your mailing address for a button).
Illegals won't be able to get insurance through the program. And the bill doesn't mandate illegals to get insurance through private insurance companies (that it, it doesn't mandate coverage at all).
Will some illegals get coverage? Sure--just like some illegals get drivers licenses. But nearly all illegals want to stay out of any and all government programs--they want to stay under the radar. There are no masses of illegals who are clamoring to be covered under health insurance plans.
|
|
| | | 731 | Boldwin
ID: 08311010 Thu, Sep 10, 2009, 12:48
|
"it's not as if there is a provision in any health care bill that says "we must treat illegals"
Everytime the bill says 'you may not ask about the patient's citizenship' that is the same thing as 'you may not disallow treatment for lack of citizenship.
Since it nationalizes the medical sector and makes opting out illegal what provider can deny an illegal free healthcare? They are obligated by law to assume he is covered.
|
|
| | | 732 | Boldwin
ID: 08311010 Thu, Sep 10, 2009, 12:49
|
They won't even get insurance. They will get free healthcare.
|
|
| | | 733 | Perm Dude
ID: 154552311 Thu, Sep 10, 2009, 13:00
|
*Snort*
You're right MITH: They are unserious and that's why they are out of power. Their minority status, however, merely plays into their own victimology myth. That's why they have no problems lying about this or any other issue. On the facts this bill does virtually nothing of what they say it does.
Obama's speech was an attempt to grab the attention of the serious citizen, and on that he succeeded, I think. Joe Wilson continues the path of the Grand Disruption Party.
|
|
| | | 734 | sarge33rd
ID: 17681812 Thu, Sep 10, 2009, 14:16
|
re 731/732...read 706 above.
Roughly 20% of the way down the page:
Claim: Page 50: All non-US citizens, illegal or not, will be provided with free healthcare services.
False. That’s simply not what the bill says at all. This page includes "SEC. 152. PROHIBITING DISCRIMINATION IN HEALTH CARE," which says that "[e]xcept as otherwise explicitly permitted by this Act and by subsequent regulations consistent with this Act, all health care and related services (including insurance coverage and public health activities) covered by this Act shall be provided without regard to personal characteristics extraneous to the provision of high quality health care or related services." However, the bill does explicitly say that illegal immigrants can’t get any government money to pay for health care. Page 143 states: "Nothing in this subtitle shall allow Federal payments for affordability credits on behalf of individuals who are not lawfully present in the United States." And as we’ve said before, current law prohibits illegal immigrants from participating in government health care programs. {emphasis added}
|
|
| | | 735 | biliruben
ID: 461142511 Thu, Sep 10, 2009, 15:13
|
Here's the speech.
|
|
| | | 736 | boikin
ID: 532592112 Thu, Sep 10, 2009, 15:30
|
I have a question instead of asking for new public health care plan how come they do not just try and expand medicaid and medicare? Seems like they accomplish the same goal and you avoid the whole (new) public option debate.
|
|
| | | 737 | biliruben
ID: 461142511 Thu, Sep 10, 2009, 16:17
|
I think this was considered. I'm not sure why it wasn't attempted, though my guess is the power of the insurance lobby and the lack of political feasibility. Plus, for all their strengths, M&M have problems. Problems that can be fixed with hard work, but enough for enthusiasm for expanding them to be tempered before they are.
I just watched the speech. Really terrific. Much better than just reading the transcript.
|
|
| | | 738 | biliruben
ID: 461142511 Thu, Sep 10, 2009, 16:41
|
I particularly recommend it to Baldwin.
Much fun can be had screaming "You Lie!" at the screen over and over again.
|
|
| | | 739 | biliruben
ID: 461142511 Thu, Sep 10, 2009, 16:50
|

See no evil, hear no evil, um... dream no evil?
Jeez. Do the Republicans exhume their members of Congress?
|
|
| | | 740 | biliruben
ID: 461142511 Thu, Sep 10, 2009, 16:51
|

soul-searching? One can only hope it's possible.
|
|
| | | 741 | Perm Dude
ID: 154552311 Thu, Sep 10, 2009, 16:53
|
Obviously he'd just passed gas, bili.
|
|
| | | 742 | Tree, in Texas
ID: 41371322 Thu, Sep 10, 2009, 17:30
|
i'm almost feeling sorry for Joe Wilson at this point....
|
|
| | | 743 | Boldwin
ID: 08311010 Thu, Sep 10, 2009, 22:11
|
Sarge #739
Since everyone involved in providing healthcare would be committing a crime [according to the language of HR3200] asking if the applicant was an illegal, that sentence is meaningless and worthless for anything other than a lie and a smokescreen.
|
|
| | | 744 | sarge33rd
ID: 5831116 Fri, Sep 11, 2009, 07:31
|
No where, does it prohibit asking a persons citizenship status. No line, no verbiage, no statement says "Providers shall not question patients, applicants about the status of their citizenship, country of origin, or legal presence in the country."
No Boldy..it is not a smokescreen. It is being ignored, it is being poo-poo'ed (as by you) in order to fuel the fires of fear mongering.
|
|
| | | 745 | sarge33rd
ID: 17681812 Fri, Sep 11, 2009, 09:49
|
take it a step further Boldy. According to your interpretation, the Bill would provide health care for every foreigner in the country whether here illegally or here on vacation. No way I can buy that as an accurate/acceptable interpretation. It defies all logic, reason and common sense.
|
|
| | | 746 | Perm Dude
ID: 154552311 Fri, Sep 11, 2009, 10:47
|
Don't even try, sarge. Wackos like Wilson don't seem to realize that the more that the government "takes over" health care the less likely it is that illegals would get coverage.
Illegals aren't banned from obtaining private insurance (and, according to Pew, about half of illegals get health insurance, almost all through employee plans). If government took over health care, there would be no private plans and the ability of illegals to have health insurance would go away.
The wackos want it both ways: The illegals will get health insurance! and The federal government is taking over all health care!
They don't seem to realize that these two shrieking points are at odds with each other. Nor do they care. "Yell lies to power" is now their talking point and people like Baldwin, being good soldiers, are running with them anyway.
|
|
| | | 747 | boikin
ID: 532592112 Fri, Sep 11, 2009, 10:52
|
They don't seem to realize that these two shrieking points are at odds with each other.
that should be the theme of health care reform debate, since pretty much everything everyone claims on the issue is contradicted by their next statement on the issue.
|
|
| | | 748 | Perm Dude
ID: 154552311 Fri, Sep 11, 2009, 11:07
|
Well, certainly from the GOP side, which seems to make disruption of the debate a goal.
|
|
| | | 749 | Boldwin
ID: 18451112 Fri, Sep 11, 2009, 13:46
|
I believe the goal is disruption of the communist takeover.
|
|
| | | 750 | Tree, in Texas
ID: 41371322 Fri, Sep 11, 2009, 13:50
|
communist, socialist, nazi.
the holy trinity of fear-mongering. and able to provide more laughs than a George Carlin monologue.
did someone cut off the flow of oxygen to your brain for 10 minutes sometime in the last year, Baldwin?
|
|
| | | 751 | Boldwin
ID: 18451112 Fri, Sep 11, 2009, 13:57
|
What did you think Frank Marshall, Bill Ayers, Van Jones, etc were?
|
|
| | | 752 | Tree, in Texas
ID: 41371322 Fri, Sep 11, 2009, 14:38
|
the first was a US chess champion for 25 years who died 15 years before Obama was born. Now, if you're referring to Frank Marshall Davis (and, considering the number of mistakes you've made in recent months, i guess we can chalk this one up to an innocent bit of confusion), the person who was a friend of Barack Obama's grandfather, then so what??
that, and the other two you mentioned, are more of the same old tired arguments you keep making, that are just chock full of holes, lies, dishonestly, and racial hatred.
|
|
| | | 753 | Perm Dude
ID: 154552311 Fri, Sep 11, 2009, 15:12
|
He's got some new villains, tree. It's like opening a pack of baseball cards for Baldwin!
|
|
| | |
| | | 755 | Wilmer McLean
ID: 38451116 Fri, Sep 11, 2009, 17:47
|
Politifact.com Truth-O-Meter: "Nothing in any of the Democrat bills would require individuals to verify their citizenship or identity prior to receiving taxpayer-subsidized benefits." -- House Republican Conference on Wednesday, September 9th, 2009 in a "myth and fact" news release -- Half True
...
So let's recap. There is explicit language in the House bill that says illegal immigrants should not receive the subsidized benefits. But we find the Republican conference is right that the legislation does not directly mention verification procedures and, for that reason, it's possible that illegal immigrants who are determined to beat the system might be able to get around the ban. But it's likely that the IRS would, at least indirectly, help to police that. And, the health choices commissioner would have the authority to set up a verification system. On balance, we rate the Republican claim Half True.
|
|
| | | 756 | biliruben
ID: 461142511 Fri, Sep 11, 2009, 18:59
|
...the legislation does not directly mention verification procedures...
This from the folks complaining about it being 1000+ pages?!?
That's like saying the Constitution doesn't explicitly grant you the right to breath air, so the founding fathers were a bunch of suffocating mofos.
|
|
| | | 757 | Perm Dude
ID: 154552311 Fri, Sep 11, 2009, 19:46
|
More like: True but missing the point. There are already laws in place which prevent illegals from obtaining government benefits such as health care. Their claim is like saying that there is no specific provision against people murdering their doctors, so the bill is pro-murder.
|
|
| | | 758 | Perm Dude
ID: 154552311 Mon, Sep 14, 2009, 23:44
|
Health plan moving along in the Senate.
I guess it took Dad coming into the room telling the kids to knock it off to get things moving constructively.
|
|
| | | 759 | Boldwin
ID: 208211417 Tue, Sep 15, 2009, 08:57
|
Poli-lies more like it...
...the legislation does not directly mention verification procedures...
Let's start with Obama's denial...“Let’s start with the false claim that illegal immigrants will get health insurance under reform. That’s not true. Illegal immigrants would not be covered.” Of course not. Globalists don't want them to pay insurance. They want them to get free treatment...Obama chose his words with great care. Section 246 of the bill — dealing solely with insurance subsidies — states: “Nothing in this subtitle shall allow Federal payments for affordability credits on behalf of individuals who are not lawfully present in the United States.” Defenders of the bill frequently quote and display copies of this section at their town hall meetings.
Notice how narrow this is? It says they should not receive the bill’s new insurance subsidies. It doesn’t say they can’t receive taxpayer-paid health care. It doesn’t say they can’t receive other benefits from HR 3200, such as the expanded Medicaid.
Obama obviously wants to leave the impression that government won’t pay health care for illegals. It’s a false impression. Here are the two big fallacies with Obama’s carefully-chosen and scripted words:
•There are other avenues for illegal aliens to receive health care at public expense. •All efforts to add enforcement language to HR3200 were defeated by mostly party-line votes. We can expect that the bureaucracy would look the other way under Obama’s control (just as it has with prior presidents). ... The House bill not only makes a major expansion of Medicaid eligibility but also restricts (in Section 1702) inquiries about immigration status. Efforts to fix this and to add enforcement provisions to HR 3200 were offered in the Ways & Means Committee by Rep. Dean Heller (R-Nev.) and in the Energy & Commerce Committee by Rep. Nathan Deal (R-Ga.), but voted down. No Democrats supported Heller. Blue Dog Representatives Mike Ross (D-Ark.), Jim Matheson (D-Utah), Charles Melancon (D-La.), John Barrow (D-Ga.), and Baron Hill (D-Ind.) voted for the Deal proposal.H.R. 3200 contains gaping loopholes that will allow illegal immigrants to receive taxpayer-funded benefits. And these loopholes are no accident. The legislation contains no verification mechanism to ensure that illegal immigrants do not apply for benefits. Republicans offered an amendment to close this loophole — it would have required verification using the existing methods that are already in place to verify eligibility for other federal benefits programs. But, when they were asked to put the language of the bill where their words were, in a party-line vote, House Democrats rejected the amendment to require verification and close this loophole. - Lamar Smith - DesertConservative
|
|
| | | 760 | Boldwin
ID: 208211417 Tue, Sep 15, 2009, 09:09
|
Liberals [and plenty of RINO's] have lots of experience slipping illegals in underneath language denying coverage to illegal aliens.
Here is how they deliberately give illegal aliens food stamps despite language in the law prohibiting it.Federal regulations [7 CFR 273.4 (b)] explicitly require that immigration authorities must be notified if they learn that an illegal alien is within a household applying for Food Stamps.
However, a “Catch 22” was created by the Clinton administration. In an “Interagency Notice (65 Fed. Reg. 58301, Sept. 28, 2000), bureaucrats were told that unless a person has already had a hearing and been formally determined to be an illegal immigrant, no government agency really “knows” that they are illegal — so they need not be turned in. - From previous linked source Here is how they built the exact same mechanism into HR3200 cut-n-pasted directly from HR3200...NON-TRADITIONAL INDIVIDUALS.— Pursuant to such memorandum the State shall 6 accept without further determination the enroll- 7 ment under this title of an individual deter- 8 mined by the Commissioner to be a non-tradi- 9 tional Medicaid eligible individual. The State 10 shall not do any redeterminations of eligibility 11 for such individuals unless the periodicity of 12 such redeterminations is consistent with the pe- 13 riodicity for redeterminations by the Commis- 14 sioner of eligibility for affordability credits 15 under subtitle C of title II of division A of the 16 America’s Affordable Health Choices Act of 17 2009, as specified under such memorandum. 18 The tipoffs are the terms Non-traditional individuals and the phrase in the following section heading, Presumptive Eligibility.
|
|
| | | 761 | biliruben Leader
ID: 589301110 Tue, Sep 15, 2009, 09:23
|
It doesn’t say they can’t receive taxpayer-paid health care.
So let me get this straight.
An illegal immigrant shows up with pneumonia at a hospital in Topeka. The good conservative Christian wants the hospital to say, "go to Juarez for your treatment, Pedro", knowing that's likely a death sentence?
Never-mind the moronic shortsightedness due to political necessity that excluding them from benefits entails. You want to explicitly deny another human being health care.
Anyone who feels this way is lowest of scum. The doer of the devil's deeds, if I believed in such things.
|
|
| | | 762 | Pancho Villa
ID: 138411417 Tue, Sep 15, 2009, 09:42
|
bili,
Are you telling me that you only now are realizing that conservatives like Baldwin always abandon Christian principles in favor of scoring political points?
|
|
| | | 763 | Tree
ID: 41371322 Tue, Sep 15, 2009, 10:00
|
Baldwin, as has already been established, hardly adheres to Christian principles.
to paraphrase one of this favorite buzzwords (and make no bones about it - you can rarely go 20 words into a post of his without one of his favorite buzzwords popping up - in this case "Globalists" 13 words in on the first post, "Liberals" as the first word in the second post), Baldwin is a CINO.
There's very little about him that is truly Christian, as he'd sooner see people die than live to support a family. Heck, he's basically become what he claims to hate the most - a euthanasia enthusiast.
|
|
| | | 764 | sarge33rd
ID: 17681812 Tue, Sep 15, 2009, 11:26
|
Now, now Tree. He doesn't want to deny them health care. He just wants to be damn sure that HE isn't paying a single penny toward that care. Nevermind that he got his public education for free, (because someone else paid for that), or that he enjoys Police/Fire protection. (Don't EVEN try and tell me Boldy that YOUR Tax bill pays the salary of even 1 mall cop.)
No...the "Conservative" of today, is all about themselves. And charity is cool, so long as someone else provides it.
|
|
| | | 765 | Perm Dude
ID: 154552311 Tue, Sep 15, 2009, 11:29
|
One of the reasons (among many) that Obama should simply cut out Republicans from the table is that, even when Democrats incorporate Republican ideas and craft legislation to respond to Republican criticisms, the "real" Republicans (or their apologists, like Baldwin) are as fully against it as ever.
Their religious inflexibility causes their political inflexibility. And they aren't looking to solve problems, merely highlight them.
Obama, I don't think, minds taking on the responsibility of the legislation once passed (something that Republicans, as a whole, can't seem to do regarding the last Administration). He know, like the stimulus and TARP, the success will be his if the GOP tries to pin it all on him.
|
|
| | | 766 | Tree
ID: 41371322 Tue, Sep 15, 2009, 11:37
|
during my first trip back to Texas in April, i discovered how many of my old friends were liberals.
during my most recent trip, catching up with the people i didn't get a chance to the first time around, i discovered how many of them consider themselves true Republicans, and the fact that they feel the need to keep that hidden because of the embarrassment RINOs like Glenn Beck, Rush Limbaugh, Sarah Palin, Rick Perry, Baldwin, and the like make them feel.
they're confident one day they'll have their party back, but for now, they have to let the blow hards blow themselves out.
let's call a spade a spade. the true RINOs are those who use religion as a billyclub, who are fiscally conservative only when it doesn't support their cause, and the ones who would rather be noticed as the loudest instead of the most sensible.
|
|
| | | 767 | biliruben
ID: 461142511 Tue, Sep 15, 2009, 17:10
|
Battering as a pre-existing condition.
In eight states and DC, domestic violence victims (even those who have moved out on the batterer) can be refused health insurance because battering is a “pre-existing condition.” In 2006, Republicans killed a legislative provision that would have forbidden that practice. Mike Enzi, now one of the “Gang of Six” joined in, and defended, the effort to kill the provision, reasoning that it would increase insurance rates.
Savor that for a moment. Republicans voted solidly against giving crime victims access to health insurance. ---
In effect, the insurance companies act as accessories-after-the-fact to the batterers, pressuring their victims not to complain, and even not to seek medical treatment for their injuries.
|
|
| | | 768 | Boldwin
ID: 208211417 Tue, Sep 15, 2009, 23:22
|
Ok, we have now established out of their own mouths, that the people claiming Obama is telling the truth when he says this bill doesn't cover illegal aliens...
...and the people who claim to believe the clause in the bill that claims to deny coverage to illegal aliens...
...really believe it will cover them and hope that it does.
So therefore...
1) Don't believe them when they call people liars. They lie to facilitate their goals. They've been lying all along when they denied illegals will be covered and when they acted as if they disapproved and they thot it was a crazy idea to believe illegals would be covered.
2) This is a prime example of what is wrong with liberals. They delude themselves into believing there is always enuff money in the world to accomplish any wide-eyed do-gooder scheme they can come up with if they just rob enuff rich people.
3) Even after they have already bankrupted the nation they still believe this.
Compassion is not forcing dad to pass out the rent money to every homeless man they see on the way home. That kind of liberal thinking just adds one more homeless family on the streets.
Compassion is not forcing the country to provide socialized healthcare to Mexico when no country can even deliver acceptable medicine for their own people via socialist methods.
|
|
| | | 769 | Tree
ID: 41371322 Wed, Sep 16, 2009, 00:11
|
Scorecard: 4 "illegals" (or form of the word) 2 "liberal" (or form of the word) 2 "socialist" (or form of the word) 1 pointless, meandering, leaping to conclusions post
i feel a drinking game coming on.
|
|
| | | 770 | Perm Dude
ID: 154552311 Wed, Sep 16, 2009, 01:07
|
More like a sipping game. Too many talking points containing code words to make it a proper drinking game.
Post 768 will be Exhibit One in "Why Obama Should Never Try to Address GOP Criticisms" Ever.
|
|
| | | 771 | Boldwin
ID: 208211417 Wed, Sep 16, 2009, 06:26
|
He should avoid the confronting the truth at all costs? The only way he pulls this off is if people don't get it. Quick and in the dark.
|
|
| | | 772 | sarge33rd
ID: 984166 Wed, Sep 16, 2009, 07:04
|
Boldy...I doubt you would recognize the truth, if it jumped up and down in your front yard and carried a sign.
|
|
| | | 773 | Tree
ID: 41371322 Wed, Sep 16, 2009, 07:25
|
there is no one on this board who has been more misleading in recent months - either through ignorance or in-your-face lying - than you have Baldwin.
you're hardly in a position to discuss the truth.
|
|
| | | 774 | Perm Dude
ID: 154552311 Wed, Sep 16, 2009, 08:30
|
Baldwin is just an empty gong. My post isn't necessarily directed at him or those like him, tree. He will never give an inch for Obama. Never. And people like that are proud of that inflexibility--it defines them.
The Right would be far, far better served to start thinking less about tactics and more about directions and policies.
|
|
| | | 775 | Boldwin
ID: 208211417 Wed, Sep 16, 2009, 08:40
|
If we can't afford to be the world's policeman, how can we afford to be the world's hospital?
|
|
| | | 776 | Tree
ID: 41371322 Wed, Sep 16, 2009, 08:53
|
because, of course, that's what this is all about.
exaggerate much?
oh yea, actually, you do.
|
|
| | | 777 | Perm Dude
ID: 154552311 Wed, Sep 16, 2009, 11:57
|
Baucus releases his bill, which reduces costs to $880 billion after a lot of negotiation with the 3 Republicans on his committee (and has a number of other changes).
Since none of the GOP members (including Snowe) have indicated they will support it, the bill looks DOA, unfortunately (Rockefeller has already stated he would not support it). I think it is a better bill (particularly from a cost standpoint, which will kick the legs out from the GOP's primary legitimate beef with the bill), but it would be hard to justify the changes without demonstrating Republican support as a result.
|
|
| | | 778 | Mith Dude
ID: 01629107 Wed, Sep 16, 2009, 13:06
|
If you can't get any of them to sign on even after eliminating the public option and including the immigrant-varification demands it becomes clear that cannot move past partisanship when one side cherishes it as a precious virtue. When they even go so far as to obstruct the same policies they themselves have endorsed in the past, they are exposed as committed to partisan political victories above the oath they took as representatives.
So fu¢k 'em. They have forfeited their (and their constituants') place in the discussion.
|
|
| | |
| | | 780 | biliruben
ID: 461142511 Wed, Sep 16, 2009, 14:34
|
Yeah, probably the housing bubble thread is more appropriate.
we probably agree on this, btw. The tax-credit's inane. It's costing the taxpayer about 60K per additional house sold. The money could be spend more wisely to stimulate the economy.
|
|
| | | 781 | Perm Dude
ID: 154552311 Wed, Sep 16, 2009, 15:06
|
One simple way to pay for it: Eliminate the mortgage tax credit.
|
|
| | | 782 | biliruben
ID: 461142511 Wed, Sep 16, 2009, 15:09
|
We don't have a mortgage tax credit. I wish we had a mortgage tax credit. We have an interest deduction.
I am not looking for ways to pay for it. I'm looking for better ways to spend it that stimulating swapping houses. That's not particularly stimulating, it's expensive, and it produces next to nothing. Build a train to my house instead.
|
|
| | | 783 | biliruben
ID: 461142511 Wed, Sep 16, 2009, 15:11
|
Maybe I misunderstood what you mean by "it", PD. I assumed you meant the temporary credit, but now I'm not sure.
|
|
| | | 784 | Tree
ID: 41371322 Wed, Sep 16, 2009, 15:53
|
So fu¢k 'em. They have forfeited their (and their constituants') place in the discussion.
the amazing thing here is that Democrats have already gone much further than Republicans did when they had the majority in trying to reach across the aisle.
if the Dems stopped being so "nice", and started getting things accomplished, i'm sure we'd start to actually see their approval ratings rise.
|
|
| | | 785 | sarge33rd
ID: 17681812 Wed, Sep 16, 2009, 16:05
|
re 781...I have long advocated doing away with the mortgage interest deduction.
A) You have to itemize for it to have any impact at all. (This alone, means most derive no benefit what so ever from it.)
B) The true beneficiary of that deduction; is the multiple home-owner. Buying a second/vacation house. On the basis of logic alone, that defeats any intended purpose of aiding a family homeowner. (You can afford two homes, you shouldn't need taxpayer assistance to subsist.)
|
|
| | | 786 | Perm Dude
ID: 154552311 Wed, Sep 16, 2009, 16:23
|
The article points to the stimulus money (which needs to be paid back), but an extension:
The real estate industry, including the powerful 1.1 million-member National Association of Realtors, wants Congress to extend the credit at least through next summer. The group hopes to expand the program to $15,000 and to allow all buyers, not just those who have been out of the market for at least three years, to qualify. The price tag on that plan: $50 billion to $100 billion.
|
|
| | | 787 | Biliruben on iffyone
ID: 52052916 Wed, Sep 16, 2009, 16:41
|
Back on topic. Baucus's plan will still leave 25 mil uninsured, and no public option. F that.
What's the point compromising? No point.
Give us something that solves the problem and ram it through using reconsiliation . The wingnuts will thank us when they get sick.
Or not. Same rules apply.
|
|
| | | 788 | Perm Dude
ID: 154552311 Wed, Sep 16, 2009, 16:59
|
I agree. The GOP uses "bipartisanship" as a stick. Obama uses is as a process. But when the other side rejects your attempts at allowing them into the process, they abdicate their part in the real debate when they reject their chance to help craft the legislation.
I like parts of Baucus' plan, but really what is the point if it isn't going to get GOP votes?
|
|
| | | 789 | Boldwin
ID: 208211417 Thu, Sep 17, 2009, 04:52
|
After President Barack Obama gave a speech to a joint session of Congress last week passionately defending his national health-care plan, the Democrats were agog at the brilliance of the speech. Nancy Pelosi was so thrilled, her expression almost changed.
But as Obama ticked off one demonstrably false claim after another – eliciting 37 standing ovations from the Democrats in the audience – America's greatest living statesman, Rep. Joe Wilson, R-S.C., yelled out, "You lie!" in response to Obama's claim that the bill will not cover illegal aliens.
There are a number of theories about why America's greatest living statesman shouted "You lie!" at that juncture, but mine is that Wilson said it because Obama told a big, fat, stinking lie.
Every single American knows it's a lie. But liberals take pleasure in repeating it – and then condescendingly accusing anyone who doesn't accept their lie of being a toothless, illiterate racist.
Our politicians, media and courts have done everything they can to encourage illegal immigration, including obstinately refusing to enforce the border. While illegals streaming across the border generally aren't prosecuted, U.S. border patrol agents who naively try to guard the border often are.
Wise (and pregnant) Latinas dash across the border just in time to give birth at American hospitals – medical services paid for by U.S. taxpayers – gaining instant citizenship for their children, thereby entitling them to the entire Chinese menu of American welfare programs.
In 2004, 42.6 percent of all babies born at taxpayer expense in California were born to illegal aliens, according to a state report on Medi-Cal-funded deliveries. In hospitals close to the Mexican border, the figure is closer to 80 percent. Remember: This is before health care becomes "free" to every U.S. resident.
Hospitals across the country are going bankrupt because the federal government forces them to provide free services to illegals. This situation appears to have angered some segment of the population, in particular, American citizens who pay taxes to support the hospitals, but then are forced to spend hours writhing in pain in hospital waiting rooms.
With Americans in a boiling cauldron of rage about the government's impotent response to the tsunami of illegal immigrants, last year, both political parties ran candidates for president who favor amnesty for illegal immigrants.
And now Democrats have the audacity to tell us to our faces that national health care won't cover illegals. Not only that, but they tell us we must not be able to read if we think it does.
The crystalline example of this sneering liberal pomposity came from MSNBC's Rachel Maddow on Monday night:Reading the House health-care bill would show you that (the bill does not cover illegal aliens). But you know, sometimes reading is hard. Fortunately, in the case of the health-reform bill, there is a way to get all of the information that's in it without any of that pesky reading. It's called HearTheBill.org. Volunteer voiceover actors have donated their time to read all 1,017 pages of the house health-care reform bill, H.R. 3200, the America's Affordable Health Choices Act of 2009.
So if you don't want to tire out your eyes, you could just listen to the thing that disproves (Rep. Wilson). Maddow then played an audio clip of Section 246 from the bill. This section, which liberals keep brandishing like a DNA-stained dress, states: "Nothing in this subtitle shall allow federal payments for affordability credits on behalf of individuals who are not lawfully present in the United States."
In other words, illegal aliens are excluded from precisely one section of the thousand-page, goodie-laden health-care bill: Section 246, which distributes taxpayer-funded "affordability credits" to people who can't afford to pay for their own health care.
Even this minor restriction on taxpayer largesse to illegals will immediately be overturned by the courts. But the point is: Except for vouchers, the bill does not even pretend to exclude illegals from any part of national health care – including the taxpayer-funded health insurance plan.
Moreover, liberals won't have to wait for some court to find that the words "nothing in this subtitle shall allow" means "this bill allows," because the bill contains no mechanism to ensure that the health-care vouchers aren't going to illegal aliens. Nor does the bill prohibit the states from providing taxpayer-funded health care vouchers to illegals.
Democrats keep voting down Republican amendments that would insert these restrictions – just before dashing to a TV studio to denounce anyone who says the health-care bill covers illegal aliens.
It's as if we have a relative who shows up at every holiday gathering, gets bombed and totals the family car. At the 18th Christmas celebration, he's not only demanding a drink, but also calling us liars for saying he's already totaled 17 family cars. Gimme a gin and tonic and the car keys, you lying racist!
I think that's why America's greatest living statesman erupted with rage when Obama retailed this particular lie during his speech on health care.
It's bad enough to be lied to, but to be lied to by people who accuse us of not being able to read when the problem is that we can read – and also can remember what happened at the last 17 family Christmases – is more than even Mother Teresa could bear without a quick heckle. - Ann Coulter
|
|
| | | 790 | sarge33rd
ID: 1828179 Thu, Sep 17, 2009, 10:28
|
read this line right here:
But as Obama ticked off one demonstrably false claim after another ...
and I knew who the lying bitch of an author was for the piece and quit reading.
|
|
| | | 791 | Perm Dude
ID: 154552311 Thu, Sep 17, 2009, 14:44
|
Ann Coulter, talking about lying? And it isn't a memoir?
|
|
| | | 792 | DWetzel
ID: 278201415 Thu, Sep 17, 2009, 15:19
|
Logic lesson #1: Always be wary of those that say that something is "demonstrably false", especially when they never actually bother to demostrate anything.
|
|
| | | 793 | boikin
ID: 532592112 Thu, Sep 17, 2009, 15:32
|
since we are on the topics of kies, is this a lie and if not. Why are they?
Democrats keep voting down Republican amendments that would insert these restrictions
|
|
| | | 794 | DWetzel
ID: 278201415 Thu, Sep 17, 2009, 15:35
|
Should be fairly easy to prove/disprove, though I'd be wary even them.
Easy to propose an amendment that inserts the restrictions and makes December 25 Adolf Hitler Day--and if you vote against it, you voted against putting the restrictions in, right?
|
|
| | | 795 | DWetzel
ID: 278201415 Thu, Sep 17, 2009, 15:35
|
*then, not them. (obviously)
|
|
| | | 796 | boikin
ID: 532592112 Thu, Sep 17, 2009, 15:47
|
Does anyone know why they are not going to change the laws so companies can sell health insurance across stateliness? This in theory should help to reduce costs for insurance companies and increas competition for individuals. and how would a public option going to work is it going to be different in each state?
|
|
| | | 797 | Perm Dude
ID: 154552311 Thu, Sep 17, 2009, 16:52
|
#793: As far as I know, the bills were all still in committee--as far as I've been able to tell this is simply not true.
In fact, Baucus' bill went out of its way to solicit acceptable language from the GOP members of his committee to close the "loophole" that they perceive.
#796: Madman can probably respond in better depth, but the licensing requirements are state ones, not federal ones.
|
|
| | | 798 | boikin
ID: 532592112 Thu, Sep 17, 2009, 17:19
|
but the licensing requirements are state ones, not federal ones.
i guess what i am asking is why they are not adding a national standard in stead of using state ones to any healthcare reform bills.
|
|
| | | 799 | sarge33rd
ID: 488411720 Thu, Sep 17, 2009, 21:41
|
re the various states setting insurance requirements in their jurisdiction:
It goes back to States rights. Iowa, determines required reserves, contract wording etc; for policies to be sold in Iowa. Nebraska for NE and so on.
In practice, companies DO sell policies across state lines. They simply do so at premium rates deemed acceptable by each state and on forms approved by each state. (United American for ex, is a Health Insurance company based in TX. They sell in Iowa, they sell in NE etc. Agents however, mist be individually licensed in each state and use different enrollment forms according to each states Insurance Commission.)
|
|
| | | 800 | Boldwin
ID: 208211417 Thu, Sep 17, 2009, 22:58
|
Does anyone know why they are not going to change the laws so companies can sell health insurance across stateliness? - Boikin
Yeah, that's easy. Because after a specified date insurance companies are not going to be allowed to sell ANY policy outside the socialized plan. Pools dry up. Private insurance dies.
|
|
| | | 801 | Perm Dude
ID: 154552311 Fri, Sep 18, 2009, 00:12
|
boikin: Unlike some scare tactics from those not interested in facts ("In my pocket I have a specific date beyond which lies only socialism!"), no bill that I've seen addresses the states rights issue of conforming with the various state insurance regulations by overriding them with blanket federal regulation, oversight, and licensing.
While the planned National Exchange will set some standards (for example, no one can be denied insurance in the Exchange due to pre-existing conditions, which apparently is a sign of "socialism"), the private insurance companies which offer the plans on the Exchange will continue to be regulated and licensed based upon the laws of the state in which both the company and the individual purchasing the plan reside.
In a similar way, doctors will continue to have to be licensed in the state in which they perform work.
|
|
| | |
| | | 803 | Boldwin
ID: 208211417 Fri, Sep 18, 2009, 18:48
|
("In my pocket I have a specific date beyond which lies only socialism!"), - PD
Yeah I do. It's called Sec 102, p16.
How many times do I have to post these things?
|
|
| | | 804 | DWetzel
ID: 33337117 Fri, Sep 18, 2009, 22:30
|
Zero would be an excellent number, if you're letting us choose. That goes for pretty much everything, by the way.
|
|
| | | 805 | sarge33rd
ID: 32801822 Fri, Sep 18, 2009, 23:00
|
Newsflash Boldy: We ARE, and have been for decades if not a century; at least semi-socialist in our societal structure.
What is "charity", if not socialism? What is Social Security? What is Medic-Aid? What is Medi-Care? What is Unemployment Compensation? What are Food Stamps? What is Public Education? What are Law Enforcement? What is our highway system?
These are not "fee based", and are available to all. And rightfully so I might add. Aterall, what are the alternatives if the above were done away with entirely, or made available only on a fee-based premise?
Your short-sightedness in deriding all things not purely capitalist (which from your own recent posts, hasn't served you terribly well anyway), is obscene. Were things the way you seem to believe they should be; you'd probably be homeless right now, as would many others and WOULD be that many more over the coming months.
Our national economy has a very long ways to go, before it is in a state of recovery IMHO. I know in the store I work, we haven't seen the customer traffic all month that we would expect over a single weekend. And working on commission, as do most people in my industry, our paychecks right now are exceeded by the costs of our sack lunches we take to work. (And no, that is only a very slight exaggeration. 3 of us, Managers all...if we combined our month-to-date earnings for Sep...it doesnt add upto $1,000.)
So if you want to do away with any safety nets; I'll gladly bring some those people directly impacted by the lack of those nets...directly to you for a face-to-face "come to Jesus" meeting.
|
|
| | | 806 | Madman
ID: 20131721 Sat, Sep 19, 2009, 00:25
|
BR 767 -- Kleiman or who he is quoting is misinformed on multiple dimensions. First, individual insurance is for life, it is not one-year renewable term. Perhaps he knows this, but the juxtaposition of that assertion with the individual market discussion is bizarre. Further and related, your individual market rate increases cannot be influenced by health status. That's one of the most common myths propogated in this debate.
Second, pre-ex can't be applied as long as you previously had creditable coverage, unless you are swapping out one individual policy for another. (that's one of those weirdnesses in the HIPAA law).
Third, even if you are susceptible to pre-ex, there is a time-limit on that for group business. I'd be cool with extending that protection to individual, and I've said that before.
Lastly, the problem mentioned there isn't the battery. It's the fractures and depression. Do you really want insurance companies investigating every ap that cites depression for the proximate cause, certifying that some are exempt from pre-ex and others aren't? If the proposal is instead to get rid of all pre-ex, then you also have the leap to why the existence of the battery cases you cite is sufficient to justify changing the law for all the other cases, as well.
None of any of this has much of anything to do with reform, and the knowledgeable policy people know it. These particular issues can be addressed independently of the $1t fiscal explosion proposed, although the debate has been so poisoned by lies that I don't trust anything good to come out of the current environment.
And that tenor starts at the top. From talking about a "plan" that still doesn't exist to making up stories just to scare people. In the Pres's speech he cited a guy from IL who "died" because of pre-ex. Turns out that the legal safeguards worked, he got a stem-cell transplant on time, and lived for 3.5 more years. And THEN he died. Inconvenient but cutting facts are just being tossed aside in the name of political expediency or ignorance. After being called on it, the WH says that they garbled the facts but that the bigger truth still holds. You beat the bushes nationally for stories, have armies of lawyers and vetters, and the best anecdote you can come up with still doesn't support your case ... but the bigger truth still holds. Whatever.
On another note, Baucus claiming that he can fund high risk pools, at market-premium rates (that's the elevated Exchange-based premium rates, but still lower than you'd expect he could promise), for $5b over an 18 months period. How about we just pass that at a cost of $50b? He wouldn't lie to us, would he? So let's take him at his word, pass the thing to give everyone relatively cheap access to care, and move on to real healthcare reform.
Although one kicker is that it may not be as cheap as advertised. Both HR3200 and the Baucus bill seem to contain provisions that would raise premiums on most lower-middle class families to be higher than the premiums in the guaranteed-access high risk pools in some states today (like MN). It will be interesting to see if the CBO ever gets around to sharing those sorts of estimates.
I have to admit, the Democrats on the left are plenty courageous. Under virtually any iteration, in the fall of 2012, they are asking insurance companies to launch the largest individual land-grab in the history of civilization, as a prelude to the 2013 Exchanges. They are specifying that the premiums insurance companies can sell during this landgrab be one-half to one-third the premiums that will be available in the Exchange (in currently non-guaranteed issue states). They have set the months of Sept-Nov in 2012 aside for this premium comparison. They have guts.
|
|
| | | 807 | Perm Dude
ID: 154552311 Tue, Sep 22, 2009, 15:32
|
Protecting the real victims:
|
|
| | | 808 | Boldwin
ID: 26451820 Wed, Sep 23, 2009, 13:25
|
The pernicious 'Moving Target'... Just as Clinton created a CPS monster by driving the number of kids stolen from their parents higher every year, or CPS would be penalized if they didn't excede last year's number... Obamacare will present to doctors a 'Moving Target'. That target is that the 10% of doctors whose patients require the highest healthcare costs, will receive reduced reimbursment rates. And every year the ten percent threat will still be there, no matter how much healthcare they deny, every doctor will be in competition with all the others not to be in that ten percent. Natt Hentoff takes time off of his inquisition of the CIA to address a glaring threat to our health and safety in one iteration of the bills.
|
|
| | | 809 | biliruben
ID: 461142511 Wed, Sep 23, 2009, 14:19
|
If you'll point me to Natt's plan to reign in medical care costs, I'll take his hysterical claims with a little more seriousness.
I'm sure he touts tort reform. That's a fraction of a percent down. Where's the rest gonna come from?
|
|
| | | 810 | biliruben
ID: 461142511 Wed, Sep 23, 2009, 14:20
|
Madman - your defense of the insurers nearly always begins with something along the lines of "if you already have health insurance...", but you never seem to address the plight of 40+ million who don't.
|
|
| | | 811 | J-Bar
ID: 256552623 Wed, Sep 23, 2009, 15:14
|
If the premise is that FW&A detection in our current programs (ie Medicaid and Medicare) will pay for this new plan (when there is one) then why can't we just instill the mechanisms that will be investigating, punishing and recouping this money first. Then after the windfall of money is in a LOCKBOX present the plan from a "we HAVE this money and will pay for it with these funds" stance.
|
|
| | | 812 | biliruben
ID: 461142511 Wed, Sep 23, 2009, 15:25
|
Why don't we put as much emphasis (and money) towards the health of our citizens as we do on bombing, shooting and blowing up other people's citizens.
|
|
| | | 813 | DWetzel at work
ID: 49962710 Wed, Sep 23, 2009, 15:34
|
Lack of earth-shattering kabooms = boring?
|
|
| | | 814 | boikin
ID: 532592112 Wed, Sep 23, 2009, 15:47
|
actually the government spends more on medicare and medicaid than it does on Defense and this does not include social security or healthy benefits for government employees. While you may be right that we spend too much on military operations, it is not like government is spending nothing on health care.
|
|
| | | 815 | Tree
ID: 598422216 Wed, Sep 23, 2009, 15:57
|
actually the government spends more on medicare and medicaid than it does on Defense...
medicare and medicade are separate programs, so you're comparing the costs of two programs to one.
combined, yes, they gov spends more on them than military spending. but separate them, and it isn't even close.
|
|
| | | 816 | boikin
ID: 532592112 Wed, Sep 23, 2009, 16:03
|
really? that is a pretty weak response...lets divide up military spending then too....
|
|
| | | 818 | Madman
ID: 20131721 Wed, Sep 23, 2009, 20:57
|
br 810 -- Can you point to specific posts? I don't see that.
In a nutshell, my argument starts with the fact that everyone is guaranteed access to insurance today. The issue is funding and income redistribution. Raising unemployment benefits to help pay COBRA premiums would be acceptable. By law you don't lose your insurance because you lose your job, you lose your ability to pay for your insurance. Of course, in my reform, you'd have GI straight to the individual market, so you probably wouldn't want to bother with COBRA, but that's a nuance.
Federal help to the guaranteed access insurance pools would also be fine. Some states screw those too tight, just like they screw Medicaid too tight. Obama seems to think that for less than $5b per year, you can relieve everyone's funding problem for those who want access. That seems like a bargain to me, so let's do it and move on. Much cheaper than the reform bills on the table that STILL would do little for your 40m uninsured (the Baucus bill is estimated to leave 20-30m uninsured, and that is likely a significant underestimate, I think).
I've also pointed out the ruthless deficiencies in Medicaid that exist today and will continue to exist under Obama's reform. Many of the $40+m already have access to public insurance, but don't bother because it is so pathetic.
I'm offering few solutions to cost control. My objective is to not do anything to increase costs while meeting people's needs for portability and the most dire funding needs.
In contrast to my proposals, Obama wants to raise premiums for 70-80% of all people currently insured; raise medical utilization; spend almost $1t over just a few years; and still leave 30m uninsured. Could you explain to me why that is a good idea?
|
|
| | | 819 | Perm Dude
ID: 154552311 Wed, Sep 23, 2009, 22:25
|
Madman, I enjoy what you bring to the discussion, but this is just a silly point:
my argument starts with the fact that everyone is guaranteed access to insurance today.
Is there anyone denying this fact? Is there anyone, even the crazy lefties, who don't believe that you can legally buy health insurance in the United States?
You and bili are talking past each other, since his point is that there are millions who can't afford insurance (many of them are, essentially, forced out of plans by the insurance companies themselves by raising rates, refusing coverage, or terminating agreements when the insured are suspected of being unprofitable). His point was never that purchasing insurance was illegal.
|
|
| | | 820 | Madman
ID: 20131721 Wed, Sep 23, 2009, 23:19
|
PD, the point isn't that you can just buy insurance, but that there is always a plan that you can buy into. Even if insurance companies refuse to cover you, you can get the insurance elsewhere.
Bringing rescissions into it is, using your term, just a silly point. 20,000 per year out of 40 million just isn't the cause of uninsurance today.
You are correct that the problem is that millions can't afford insurance. Democrats on Capitol hill seem to be forgetting that fact. Their proposals would raise premium rates above the guaranteed-high risk pools in many states. Tripling premiums on young folk. Hundreds of billions in premium increases to help "pay for" reform (increases that the CBO still doesn't have working through their models completely, it doesn't look like). Hundreds of billions in Medicare cuts that even the CBO agrees are benefit cuts. Our illustrious government is so afraid of that fact they are threatening any company that dares to reveal that truth.
I repeat the challenge I've issued repeatedly on this forum: tell me how these reforms are going to reduce rates and/or decrease out of pocket costs. Heck, the SFC just passed an amendment clarifying that agents and brokers would still sell Exchange policies; the feds can't even get commissions out of this picture.
|
|
| | | 821 | biliruben
ID: 461142511 Thu, Sep 24, 2009, 15:12
|
Jack to subsidies up to 400% of poverty, and those who need it will have reduced rates.
The problem with rescissions is that those who most need affordable health insurance because they are, you know, already sick with expensive diseases are who those 20,000 are. No need to toss people off, when all they are doing is paying in.
|
|
| | | 822 | Boldwin
ID: 478362416 Thu, Sep 24, 2009, 17:37
|
Can you imagine...“It’s not going to be painless,” says Sen. Tom Coburn, the Oklahoma Republican who is also a family-practice physician. “You can’t say there’s not going to be an impact from taking a half-trillion dollars out of Medicare in the next ten years, when large numbers of doctors won’t take new Medicare patients and we’re going to have the retirement of the baby boomers.” ...if the Republicans financed anything by cutting medicare half a trillion?
Tell me the media isn't biased.
Tell me Obama cares about the elderly.
|
|
| | | 823 | biliruben
ID: 461142511 Thu, Sep 24, 2009, 18:55
|
Tell me Obama cares about the elderly.
Read the link in 584. It provides a number of examples where lower costs and better care are possible.
|
|
| | | 824 | Madman
ID: 20131721 Thu, Sep 24, 2009, 22:12
|
BR -- yeah, and in what world does Obama's plan deal with any of those issues in a remotely intelligent way? The big cost savings are in permanent reductions to facilities, promises that future Congresses will indeed cut physician fees and support the SGR, cuts to the benefits provided to Medicare Advantage plans that operate in rural areas and are otherwise lower cost than the high-utilization urban areas, etc.
In the long-run, the big idea here is to promise us all that future Presidents and Congresses will step in (or step aside as the newer iterations of MedPAC step in) and give out the cost savings that this President and Congress are apparently unwilling to do. If this President and his mandate is unable and unwilling to step into the breach to save us, why will the next President fare better?
|
|
| | | 825 | biliruben
ID: 461142511 Mon, Sep 28, 2009, 13:45
|
Agreed. In order to pass this legislation, he has to get at least some of the lobbyists in as stake holders, so he has to make a bunch of promises. Once he gets people insured, then we can more easily work on costs.
He's made so many concessions, for no obvious benefit, that I'd have trouble voting for this bill because it's a giant giveaway to to insurers and drug companies.
Personally, if politics weren't an issue, I obviously would choose burning the health insurers down and going single payer.
Now that I think about it, I don't see it has a much harder task than the one we have in front of us.
I wish Obama had the balls.
|
|
| | |
| | | 827 | Boldwin
ID: 34803016 Thu, Oct 01, 2009, 04:58
|
While some point to Canada as a viable system, they ignore the reality that their healthcare will collapse without the pressure relief valve that is the American healthcare system.Hamilton’s neonatal intensive care unit is closed to new admissions half the time. Special-needs infants are sent elsewhere and usually to the U.S. Loved the commenter below...People who advocate for the nanny-state, cradle to grave, government safety net simply do want to take the responsibility for their own lives, risk that they might be wrong, and refuse to accept the consequences of their own decisions. Go check into a day-care center and let the baby-sitter decide for you when you can have your milk and cookies. Let the adults get on with their lives
|
|
| | | 828 | Tree
ID: 248472317 Thu, Oct 01, 2009, 08:10
|
whatever.
my brother - who isn't even a citizen of Canada just yet but rather a landed immigrant with a Canadian wife - made a decision to get some elective surgery.
there was virtually no wait, and he is 100 percent pleased with the results.
all these "omg, i had to wait months to get cancer care" are overblown, and typical fear-mongering and/or lies from the Right, both tactics that they have severe, and unfortunate, comfort with.
|
|
| | | 829 | Perm Dude
ID: 438132822 Thu, Oct 01, 2009, 11:29
|
Consumers Union jumps into the debate. Their advocacy is unprecedented, I believe.
|
|
| | | 830 | DWetzel at work
ID: 49962710 Thu, Oct 01, 2009, 11:47
|
Because, of course, Americans are always getting their health care in this country, and not having to go overseas.
Oh, wait
|
|
| | | 831 | Frick
ID: 4945458 Thu, Oct 01, 2009, 11:54
|
My whole synopsis of the health care debate is take a presidential election and magnify the party vitriol towards the other side and magnify by 100x. I apply that towards both sides. The Rs are screaming about socialism, etc without discussing the issues or just screaming about specific points that have been twisted. The Ds only seem capable of screaming back that the Rs only want to scream about socialism and nutty points, but don't address any real issues or debate what we need to do for effective change.
It seems to me that the silent majority, which includes democrats, republicans and independents either can't stand the noise and avoid the issue or are being drowned out in the noise. I would love for both sides to sit down and shut up so that rational talks could be held, but that sadly is highly unlikely to happen.
I'll be honest that I don't understand what Obama's plan or the varying plans in the House and Senate would result in. And I don't mean just the short term. I feel that change is needed, but not change for change's sake, but change to radically alter the way the system works. That could be a single payer type system or a the current system with more emphasis on effective treatments not on cost effective treatments.
With all of the yelling by both sides I haven't found a single source of information that I would trust not to have spun their story significantly. That goes to both sides. This is s huge issue that could greatly impact our country for generations and finding unbiased, honest information is nearly impossible. Great.
|
|
| | | 832 | Perm Dude
ID: 438132822 Thu, Oct 01, 2009, 12:16
|
Frick, there are probably some groups (like Consumers Union, or the AMA) who can provide some information on the debate. Sure, you might be getting a little spun, but once you find a group you can place a little trust in then you might be able to dig in a little more.
Good luck.
|
|
| | | 833 | Mith Dude
ID: 01629107 Thu, Oct 01, 2009, 12:28
|
The Ds only seem capable of screaming back that the Rs only want to scream about socialism and nutty points, but don't address any real issues or debate what we need to do for effective change.
You know, I'm all for establishing a reasonable middle ground on issues where the two sides can't seem to get past bickering politics and just look at the issue (such as the gay marriage debate) but when you have a bipartisan committe as a starting point where the Dems bent over for the GOP members' demands no one can claim the Democrats weren't negotiating in earnest. The proposed "Baucus bill" two weeks ago included no public option, no trigger for a public option and the ridiculous extra immigration varification procedures which the right demanded and even disgraced a presidential address to joint session of congress over. And still none of the Republicans (who were in this committee because they represent the more moderate Republicans in Congress) would go along.
I'm sorry, Frick, but on what issues has the GOP shown itself willing to compromise with regard to health care reform?
|
|
| | | 834 | Frick
ID: 4945458 Thu, Oct 01, 2009, 13:08
|
I'll admit that I don't know the details of the bill or it's progress through the committee, but your statement doesn't seem to refute my point.
What is ridiculous about the verification procedures and what does the disgraceful actions during the Presidential address have to do with the actual issue on hand?
Did the Republican's who didn't vote for the bill have a reason why? Just because there were compromises in the bill, that doesn't doesn't mean that one side or the other is suddenly bound to vote for it? And why do the Democrats need to compromise on the bill? Don't they have a majority in both houses?
|
|
| | | 835 | Mith Dude
ID: 01629107 Thu, Oct 01, 2009, 13:46
|
What is ridiculous about the verification procedures
It's already illegal for illegal immigrants to receive government provided healthcare (not including emergency care). Further, the bill already stated that illegals will not be eligible for the public option. So, yes, these same people who have lamented for months that the length of the thing is beyond absurd went on to demand that we make it longer because without their additional clause, a small handful of illegal immigrants might find a loophole.
what does the disgraceful actions during the Presidential address have to do with the actual issue on hand?
Because a disgraceful interruption of the president's address to a joint session of Congress was how one rep deceided to conveigh this demand - and an embarrassingly large portion of the political right applauded him for it.
Did the Republican's who didn't vote for the bill have a reason why
Here are the three Republican members of the (allegedly) bipartisan "Gang of Six" (allegedly) moderate Senators who were tasked with coming up with a common ground starting point:
Olympia Snowe Mike Enzi Chuck Grassley
If you've been paying any attention, Grassley has made it clear that he doesn't belong on this panel. He made it clear back in August that helping to produce a bill that is good for the country takes a back seat to party politics - even if it delivers on every one of his sticking issues:"I am negotiating for Republicans," he said. "If I can't negotiate something that gets more than four Republicans, I'm not a good negotiator."
When NBC's Chuck Todd, in a follow-up question on the show, asked the Iowa Republican if he'd vote against what Grassley might consider to be a "good deal" -- i.e., gets everything he asks for from Senate Finance Chairman Max Baucus (D) -- Grassley replied, "It isn't a good deal if I can't sell my product to more Republicans." Honestly, in a climate where the President can't even tell kids to stay in school without getting criticized, is Grassley's standard even possible? You think he doesn't know that?
So I again challenge you or anyone else to show me where or how Republicans in Congress have compromised one inch in trying to reform healthcare.
And why do the Democrats need to compromise on the bill?
Well how about because that gives the public it's best chance for a bipartisan effort that will appeal to the largest possible cross-section of Americans? Unfortunately one problem inherant in the Democratic Party is that there is not the same sense of party loyalty that you see with the GOP. This makes them no less political or corrupt, mind you, it just makes it more difficult to keep them on one page. Baucus compromised considerable support from his side of the aisle (particularly from the far left, which is committed to a public option) in attempt to bring Republicans on board for at least a "starting point".
|
|
| | | 836 | biliruben
ID: 461142511 Thu, Oct 01, 2009, 14:20
|
Grassley would likely attract a primary challenger even further right if he showed even a hint of compromise.
I would love that.
|
|
| | |
| | | 838 | boikin
ID: 532592112 Thu, Oct 01, 2009, 15:07
|
what does this have to do with making the best bill? By that logic the best bill would be one where the government pays everyone's insurance premiums and lowers taxes in the process.
|
|
| | | 839 | Mith Dude
ID: 01629107 Thu, Oct 01, 2009, 15:10
|
what does this have to do with making the best bill? By that logic
What are you talking about? By what logic? I don't even know what post you're referring to. Your comment doesn't even appear to apply to any of the posts written this afternoon.
|
|
| | | 840 | Biliruben movin
ID: 358252515 Thu, Oct 01, 2009, 15:15
|
The best bill, from my perspective, wouldn't be crafted by politicians. They can't .
Of course, everyone has different ideas of what is "best", even if they could get perfect information, unadulterated by boosters and obstructionists.
|
|
| | | 841 | Perm Dude
ID: 438132822 Thu, Oct 01, 2009, 15:27
|
Having non-accountable people draft our laws is what got us in trouble during the Bush Administration.
|
|
| | | 842 | biliruben
ID: 461142511 Thu, Oct 01, 2009, 15:49
|
Agreed. That's why I'm not foolish enough to hope for the "best" bill.
Dictatorship, where I am the dictator, is the only way to craft perfection.
|
|
| | | 843 | boikin
ID: 532592112 Thu, Oct 01, 2009, 15:53
|
sorry the post did not show up correctly:
Well how about because that gives the public it's best chance for a bipartisan effort that will appeal to the largest possible cross-section of Americans?
what does this have to do with making the best bill? By that logic the best bill would be one where the government pays everyone's insurance premiums and lowers taxes in the process.
|
|
| | | 844 | Mith
ID: 14822920 Thu, Oct 01, 2009, 16:28
|
It appears that you're saying that my preference to see the Dems compromise on some issues is a relative impossibility.
From my perspective the Dems are the only ones compromising on anything. What in the world are you talking about?
|
|
| | | 845 | biliruben
ID: 461142511 Thu, Oct 01, 2009, 16:38
|
The conservatives have simply taken a powder on governance. In their minds, anarchy is currently optimal.
|
|
| | | 846 | Mith
ID: 14822920 Thu, Oct 01, 2009, 16:45
|
Or are you dismissing the notion of appealing to the largest possible cross-section of Americans.
If so, you misunderstand the phrase. With the broad range of opinions on what reform should and shouldn't include and the even bigger number of ways to prioritize those things, I'm well aware that it might not even be possible to have a majority of citizens who are satisfied with the outcome, much less any kind of consensus (if perhaps that's what you think I meant). I'd just like to see the largest possible cross-section satisfied. But the only way that can happen is if Republicans in Congress put their collective middle fingers down and sit down at the negotiating table.
|
|
| | | 847 | Mith
ID: 14822920 Thu, Oct 01, 2009, 16:47
|
846 continues my response to Boikin.
Bili - agreed.
|
|
| | | 848 | DWetzel
ID: 33337117 Thu, Oct 01, 2009, 16:56
|
Re: 837-- maybe he can put those sleuthin' skills to work to help OJ find the real killers, since they're probably putting in about the same amount of time.
|
|
| | | 849 | boikin
ID: 532592112 Thu, Oct 01, 2009, 17:21
|
my point is there is big difference between satisfying citizens and what is best for the citizens. Like i said the most citizens would be happy if the government paid for there health care and lowered there taxes, but that might not be the best for them.
|
|
| | | 850 | Mith
ID: 14822920 Thu, Oct 01, 2009, 17:37
|
I'm not under the impression that whatever gets worked out will be what is best for citizens - by my standards or likely anyone else's.
Moreover, there is no real "what is best" for citizens. Bili explains this in 840.
Compromise give you an opportunity to include elements and restrictions in there for as many people as possible. When the minority side refuses to compromise, it usually results in either successful obstruction of accomplishing anything or the majority finding a way to lock them and - their input - out of the process. Apparently these are the potential healthcare reform outcomes that Congressional Republicans want to tout on the stump next year.
|
|
| | | 851 | Perm Dude
ID: 438132822 Thu, Oct 01, 2009, 17:41
|
I agree with boikin. Often, people not only have no idea of what is in their best interest (Sarah Palin?), but actively act against their best interests (tea baggers, anyone?).
Call it "better" interests if you want--the problem isn't whether we reach perfection but move toward a better place on an issue. Right now, our place sucks.
|
|
| | | 852 | Mith
ID: 14822920 Thu, Oct 01, 2009, 17:58
|
Yes, some people want what is contrary to their best interests. But I believe there are good concessions that could be made. Personally I thought a trigger for a public option sounded reasonable. I also think there is some room for tort reform.
But Boikin seems to think that I believe in 'compromise' as a cure-all which will make everyone happy. All I mean is that I believe we're better off making some compromises than shutting the conservatives out of the process entirely.
|
|
| | | 853 | Perm Dude
ID: 438132822 Thu, Oct 01, 2009, 18:06
|
That presumes (1) that conservatives enter the process in good faith and (2) those compromises lead to actual support. I haven't seen anything like those two things.
At least on the stimulus votes Republicans came to the table with ideas (even if it wasn't enough to get them to vote for the bill with their ideas included).
You only compromise in return for support.
|
|
| | | 854 | boikin
ID: 532592112 Thu, Oct 01, 2009, 18:07
|
no, what i believe is that they should making decisions on what is best for the country not what makes people happy. There is nothing wrong with using whoever ideas are the best. I do not consider that compromise. I would say that is being smart. Democrats not using republican ideas because republicans came up with them is as dumb as republicans saying they will not go along with bill just because the democrats came up with most of the ideas.
|
|
| | | 855 | Mith
ID: 56925117 Thu, Oct 01, 2009, 18:25
|
Sheesh, however you want the semantics to work. Its still obvious that the Dems are the only party that is "open to incorporating the other's ideas", if that's so essentially different form "compromise" for you.
|
|
| | | 856 | Madman
ID: 20131721 Thu, Oct 01, 2009, 23:00
|
3 provinces in Canada delay coverage of seasonal flu vaccines
How Government rations care ... Gottlieb is a right-winger, but he cites some of the studies and information that lurk about Medicare ... the 21 month average length of time to settle an appeal ... the winding tale of implantable defibrillators ... to those stories I'd add the known problems with ESRD coverage.
To be clear, I don't think the problem is a one-way rationing as he describes. The real problem is absolute capriciousness and the lack of any real options if you get stuck. Further, you also get situations where people like Senator Stevens can win significant concessions for their home state. This is one major undertow in the Medicare Advantage cuts debate. The "subsidies" and "excess payments" are really benchmark floors designed to help smooth Medicare payments across the nation; rural areas get the extra help to close the gap with urban areas which otherwise may cost 3 times as much as the rural areas. The whole system is so riddle with lobbying and politics, its no wonder that it is simultaneously going broke and can't be changed.
At least on the stimulus votes Republicans came to the table with ideas (even if it wasn't enough to get them to vote for the bill with their ideas included). A slew of Republican amendments have been accepted by the SFC. But you will find a maximum of two Republicans voting for the final bill for a whole slew of reasons, many of which I've articulated here. Some of the more perceptive Republican critiques and "no go" provisions that Democrats are putting forward:
a) The bill is financed on the backs of working moms with one child; that demographic bears the brunt of the 1950s required tiering structure in all the bills and also is specfically excluded from enjoying any of the subsidies designed to go to poor people. b) young adult orphans and those unable to find refuge on their parents' plan are under direct assault; this is the demographic group that they are trying to raise the most excess premium revenue from in order to help reduce the cost for 55-65 year olds. c) Rural minorities and lower income individuals who have sought refuge from traditional Medicare in Medicare Advantage plans. d) small startups of relatively young workers push over whatever payroll limit ends up in the bill; today they enjoy HIPAA and NAIC small group model law protections against premium increases regardless of health status and they have limited or non-existent pre-ex lookbacks. Under all reform bills, they will be forced to to pay higher premiums in order to cover the pre-ex's of others. Under the current iteration of the Baucus bill, they will also be forced to pay for the healthcare of those who choose to enroll but not pay premiums.
The silliness goes on and on. Coop plans that can't price for surplus contributions, are required to meet state solvency restrictions, but then also have what may be an unlimited tap on the federal treasury? Actuarial values that exceed traditional Medicare? Actuarial values that are incompatible with the out of pocket limits in the bill, at least in the outyears? Silo'd parity across primary care and specialty medicine? I mean, WTF, are we really trying to boost specialty med utilization? And what exactly is the PORI supposed to know about benefit design research? And how does raising all premiums to cover taxes lower premiums? The question doesn't even make any sense, the logic is so warped.
Some notable Republican amendments that were shot down were two attempts at genuine compromise, bringing two Obama campaign promises to a vote. The Dems shot them down, point blank (no new taxes on those earning under $200,000 and no new individual mandates for adults). If the Dems can't even agree with their candidate who got elected, who exactly are the Republicans going to be able to compromise with?
Lastly, the President is correct that spending is driving us toward an iceberg. The correct solution to that is not to drive toward the iceberg faster and promise that some future Congress and some future President will magically do what this Congress and this President refuse to do (actually cut the spending that's causing the problem). The correct solution is to reduce the spending today, not spend the promised reductions from future Congresses. If there's enough left over after we've averted catastrophe, spend it on the program of your choice. But trying to talk the Democrats into simply reducing the increase in the speed of the Titanic isn't moral, it isn't right, and it isn't something anyone should be doing.
|
|
| | | 857 | Canadian Hack
ID: 496122 Thu, Oct 01, 2009, 23:06
|
If you read the article about Canadian provinces delaying their seasonal flu vaccine programs, you will learn it is because of possible links between the vaccine and the H1N1 Swine flu.
This is not a "rationing" of medicine as it might appear from the title madman gave it.
|
|
| | | 858 | Perm Dude
ID: 438132822 Thu, Oct 01, 2009, 23:12
|
Regarding "d": Is your point that the healthy are having to pay for the unhealthy and that is unfair? Isn't this the nature of insurance (particularly, for-profit insurance)? I just don't see this as a problem--this is like complaining about Social Security, until you actually need it.
I'm not aware of any straight-up amendment votes which didn't have huge strings, but I'm happy to hear of any I missed. If you want to make the case that Republicans are being reasonable in this debate I hope you'll do more than complain about how the sausage is made. Republicans haven't been dealing in good faith on this issue when they have an opportunity to make a difference no matter how many good ideas that are holding back on.
|
|
| | | 859 | Boldwin
ID: 1693915 Fri, Oct 02, 2009, 06:07
|
I want to jump on board your last paragragh, Madman but then I don't think you notice that Obama is for cutting out all kinds of healthcare, and thus healthcare spending. The half a trillion from senior care? The euthanasia built in by Ezekiel Emanuel? The 'just take a pain pill and realize it's yer time to go' philosophy of Obama?
Oh, he's for cutting costs. Just not for cutting out the most inefficient provider of services the world has ever known from the process, namely government.
He actually had the blind gall to say once, that medicare and medicaid are driving us bankrupt, so the answer was we would need more government involvment.
The formulation I would use if I were writing your last paragragh is..."every expansion of government healthcare has drawn us closer to bankruptcy. Why are we contemplating even more expansion?"
|
|
| | | 860 | biliruben Leader
ID: 589301110 Fri, Oct 02, 2009, 09:27
|
... all evidence to the contrary.
Anyone who whines about cutting medicare out of one side his mouth, and complains about costs on the other, has no business in this debate. They aren't debating, they are obstructing.
|
|
| | | 861 | boikin
ID: 532592112 Fri, Oct 02, 2009, 11:30
|
re 857, they should release the vaccine from what i have read that was flawed study and several other studies have found no links. I think it was more of a health care works get flu shots, health care works were exposed to H1N1 more often, there for they are infected more. Not to mention seasonal flu is more serious form.
|
|
| | | 862 | Perm Dude
ID: 438132822 Fri, Oct 02, 2009, 11:39
|
I agree. Seems silly to delay flu shots this late in the game.
In local news, the swine flu vaccine is shipping two weeks ahead of schedule thanks to those hardworking Northeastern Pennsylvanians.
|
|
| | | 863 | Building 7
ID: 471052128 Fri, Oct 02, 2009, 12:32
|
Thanks to the lack of testing and waived immunity for the manufacturers....and the hard-working Pennsylvanians, too.
|
|
| | | 864 | Perm Dude
ID: 438132822 Fri, Oct 02, 2009, 12:59
|
There's only one manufacturer of flu vaccine of any sort in the United States, and its been the same single manufacturer for many years. There's little risk of waived immunity for flu vaccines since there is nothing changed this year about it.
|
|
| | | 865 | Building 7
ID: 43735169 Fri, Oct 02, 2009, 21:46
|
From the story linked in #862 in the Pocono Record:
Swiftwater vaccine-maker Sanofi Pasteur shipped its first batch of swine flu vaccine to a U.S. government-approved distributor this week, according to the company. The shipment was ahead of its original schedule.
Several companies, including Sanofi, are licensed to produce H1N1 flu vaccine.
Then you're saying nothing has changed since last year's version. As far as I know this shipment is the first shipment, there was none last year. I doubt the regular flu vaccine is the same as last year either.
|
|
| | | 866 | Perm Dude
ID: 438132822 Fri, Oct 02, 2009, 21:58
|
Nothing regarding the immunity has changed. No new companies are making the vaccine (regular or swine) that haven't in the past, even if the versions of the vaccine are different from past years.
This is like a super unleaded gasoline coming out, from the same company already making gas.
|
|
| | | 867 | Perm Dude
ID: 438132822 Fri, Oct 02, 2009, 22:06
|
BTW I was not very clear before (for which I apologize): Sanofi is the only US company making the injectible swine flue vaccine. There is a nasal version (not as powerful) made by Schering, I believe, but I could be wrong).
|
|
| | | 868 | Madman
ID: 398491216 Sat, Oct 03, 2009, 17:42
|
PD 858 -- Under the Baucus bill, those who choose to pay premiums will have to cover the costs for those who choose not to. The 3-month premium waiver without federal restrictions could be utterly fatal to the bill. All those who play by the rules will have to pay up to cover that behavior. Regarding (d) specifically, my point was that many small groups have significant rate protection today; under the bill, those same small groups won't enjoy any substantial new benefits, but will be required to pay substantially higher premiums due to the per-capita taxes, pre-ex rules, etc. --------------
Boldwin -- It is weird. Obama does argue that he wants to cut Medicare spending and I agree that it is remarkable just how willing he is to pretend to do it stupidly, as well. Cut from the efficient to give to the inefficient.
But in my mind, there is a much more immediate problem: the Baucus bill increases Medicare spending in the first two years. And the only reason this Congress can pretend that this bill decreases spending overall is that they are promising that the next Congress won't repeal the Sustainable Growth Rate cuts -- something everyone Congress has always done. Further, when the next Congress actually takes office, I don't see any substantive reason to believe they will actually enact the other cuts that this Congress is asking them to do.
I've heard lobbyists from the AMA explain that the reason they aren't fighting the future cuts is that they are quite confident that once they kick in, they will have the political sway to defeat them. Therefore, many docs support reform because they'll get their extra insurance company payments, and then convince future Congresses to repeal the doc cuts ... amazingly, just like this one is doing to patch the SGR until 2011+.
I know that it is much easier to get people in a lather by pretending that the CBO estimates are accurate. But the fact of the matter is that the 10-year projection from the CBO isn't worth the paper it is printed on. It is fair to criticize the bill for how it is cutting Medicare. I've never seen such disingenuous. But it is also fair to realize that the whole thing is a mirage that runs a real risk of massively accelerating a fiscal crisis.
|
|
| | | 869 | Seattle Zen
ID: 238441010 Sat, Oct 03, 2009, 21:41
|
I've never seen such disingenuous.
You obviously don't read your own posts...
|
|
| | | 870 | DWetzel
ID: 33337117 Sun, Oct 04, 2009, 11:34
|
Forgive me for cherry-picking...
"All those who play by the rules will have to pay up to cover that behavior."
Isn't this already going on, on a far more massive scale than we would be talking about here? Freely admitting that is isn't going to eliminate the problem, isn't significantly reducing it a Good Thing?
|
|
| | | 871 | Boldwin
ID: 1794329 Mon, Oct 05, 2009, 08:20
|
thanks to those hardworking Northeastern Pennsylvanians - PD
Rolling in the margarine while practicing for the mayoral run.
|
|
| | | 872 | Madman
ID: 20131721 Mon, Oct 05, 2009, 22:32
|
DW -- what provision will cause that to occur (a reduction in the free riding)? Given the bill's current structure, I would actually expect the problem to get much worse, since no one in their right mind will actually pay premiums. I mean, Massachusetts has baby provisions, and insurers are losing hundreds of millions. The evidence seems to be that MA is just on the front edge of a tremendous anti-selection spiral. 40% of those who purchased coverage stayed less than 5 months, and incurred 600% higher than expected costs. Under the Baucus bill, it almost reads like that sort of behavior is encouraged, not discouraged. Harvard Pilgrim data.
Incidentally, this is one reason I'm not as opposed to a public plan as some. With a public plan bleeding red as costs spiral upward, there will be fewer scape goats for the utopians to blame.
|
|
| | | 873 | DWetzel
ID: 33337117 Tue, Oct 06, 2009, 00:21
|
Read your link, and yes, that's a problem. I can't say that it's a better or worse problem than the alternative of doing nothing (wherein people would be not getting health insurance at all, and X% of those people would end up having some catastrophic event that they wouldn't otherwise have had), because I don't know what X is or the cost that the system incurs for that bad event.
From a purely humanitarian perspective, if the two costs are close to equal, I'd rather not have the catastrophic events happen.
I don't know what the easy solution is to this, but if it involves penalizing people in the Mass. model who try to game the system in some matter (pro-rated penalties, perhaps?) I'm all for it. I don't think this proves that that entire model is faulty (except from the insurers perspective, since they're clearly being screwed), it just proves that in basically any system there will always be people willing to abuse it. In this case, the individuals are abusing the corporations. In other cases, it's the other way around. I don't have a lot of sympathy for whatever happens to the abusers on either side of the system.
|
|
| | | 874 | Madman
ID: 20131721 Tue, Oct 06, 2009, 18:27
|
DW -- here are some reasonable estimates for the costs of the uninsured from a reasonably liberal perspective: KFF:
Costs to privately insured: 0.0% increase in premiums
Costs to charity organizations: 0.5% of total medical spend
Costs to government: 1.5% of medical spend
Total cost: 2% of medical spend. This is currently borne primarily by the rich who pay the taxes and give to charity.
In general, the problem of the uninsured driving up private premiums is dwarfed by the problem of a broken Medicaid system that reimburses at levels that can be as low as 10% of the cost of care for a much larger population. They are also dwarfed by the problems of Medicare payments that are below the cost of care of even the most efficient provider networks (as Bili and I have discussed in this thread). I don't have handy estimates for those costs, no one knows for sure. But given the size of those problems, it is reasonable to say that premiums are loaded at least 10% higher today because of them.
The Baucus bill will make the Medicare and Medicaid per-unit price problems more severe. It's unknown whether that will result in higher commercial premiums, fewer doctors, or, as the CBO hopes, Exchange plans that have tightly managed care (this is one reason why the costs aren't exploding ... the CBO is assuming we all go to next-generation HMOs).
The Baucus bill will make a moderate reduction in the cost-shifting from the uninsured to private premiums. Given the previous estimates, that could mean as much as a 0.0% reduction in private premiums to help solve that problem.
The Baucus bill will also insulate general tax revenues and, therefore, the rich. One mechanism they will use to compensate will be a per-person head-tax. This will be borne in a regressive way by all who will be required to contribute positively on the margin to their premiums. That may be as low as 133% of FPL or as high as 400% of FPL, depending on how the subsidies are constructed. Either way, it is very regressive within whatever income range it applies.
In contrast, the MA problem I mentioned has the potential to effectively destroy the market. You'll see large premium increases in the near future. In previous experiments, the carriers simply left the states leaving the playing field to an insurer of last resort who then raises their premiums to the minimum necessary to stay alive.
The individuals who don't pay premiums but get lots of care don't take from the corporations in the long-run. They take from all those who play by the rules and need coverage in the future. The government wisely has minimum capital requirements; insurers can't run losses forever.
There seems to be a widespread ignorance about tools the insurance industry uses and why they use them. Rescission is designed to protect those who are both honest and sick. The ability to decline to quote, impose waiting periods, terminate coverage for lack of premium payments, etc., are designed to preserve the risk pool for all those who wish to buy insurance. Those who are indigent and/or too unhealthy are, today, provided guaranteed coverage through alternative means that are generally less attractive than the private market.
This notion that there is a magic pot of money housed in a "corporation" is false. Also remember that about half of all persons insured in this country are insured by not-for-profits. Insurance companies pool premiums and risks. Insurance by definition redistributes the financial burden of bad health events, but insurance doesn't magically create money or erase the cost of those events.
|
|
| | |
| | | 876 | Madman
ID: 20131721 Tue, Oct 06, 2009, 21:31
|
br 875 -- that $10b increase in profits, ignoring issues of cherry-picked data, would buy you about 13 days of coverage for the entire block of uninsured (45m uninsured/$6k annual cost, etc.). What would you do then? Is this the best your side can do for a solution?
|
|
| | | 877 | Perm Dude
ID: 438132822 Tue, Oct 06, 2009, 22:05
|
Yeah, it is cherry picked--it only counts the top ten. Doesn't count the wasted cost in time and money in hospitals dealing with insurance companies and their non-redundant systems. Doesn't count high executive pay & bonuses.
I know, I know--for that we can buy a month or two.
But (1) the health care cost for these people are already being paid for--is a more honest accounting too much? and (2) literally thousands of people die in this country because of a lack of health insurance. Simply because the very real costs of these deaths aren't entered into the calculation doesn't mean that they shouldn't.
Cherry-picked data, indeed.
Will the House bill(s) work? Probably better than the crap-fest we have right now, which will absolutely lead up to ruin if not addressed.
|
|
| | | 878 | Madman
ID: 20131721 Tue, Oct 06, 2009, 22:41
|
PD -- the cherry picking I was referring to was in the selection of a low-profit base year. I wonder what they would have done if the first year they chose was one in which they lost money. The problem is that the profit margins are very thin.
You stretch the data to get up to 2 months of coverage. Then I throw in the NAIC RBC restrictions and bring you back to 13 days. Without a contribution to surplus, a health plan will be taken over by the state.
So, you want to switch to the House bill? Put all providers on Medicare reimbursement? I thought we dispensed with that idiocy several posts ago. To repeat: Medicare is already paying to little. You put the entire commercial population on Medicare rates, and you'll get the ruin you were talking about in months, not the years our current crap-fest is headed toward. Remember, the Democrats ideally want everyone to operate like the Mayo clinic ... and the Mayo clinic would have to fold its doors under the House bill.
Next?
The problem is that the fundamental paradigm of this reform debate is flawed. You can't square a circle. And the catastrophe you are predicting is the same catastrophe that was predicted in 1994.
|
|
| | | 879 | biliruben Leader
ID: 589301110 Wed, Oct 07, 2009, 00:24
|
As a first step, I really don't care about costs. We have a moral obligation to provide healthcare to everyone in this country. If we have to buy some stakeholders out and make crappy promises in order to get that done politically, so be it.
Once we do that, then we can focus on costs.
If anything were possible, and politics wasn't a problem, I'd burn down the health insurers and go single payer. We know that has lower costs be the dozens and dozens of examples all around the world.
|
|
| | | 880 | Perm Dude
ID: 438132822 Wed, Oct 07, 2009, 00:34
|
First of all, the bill is not yet pegged to Medicare rates. In fact, it is one of the sticking points between the liberal and moderate wings of the Democratic party. You're too early to be using that talking point, Madman. Personally, I liked Bill Nelson's idea to close the gap a bit by tightening up the costs of Medicare prescription plan reimbursements (which is the primary reason why Medicare will go off the rails without a correction, IMO).
I agree with bili that the first step is to provide coverage. If the "cost" of that coverage is a smaller health insurance industry that is the trade-off we will have to take.
[I believe that an incredible amount of waste is built into the current system through an industry without any incentive to make claims payments easier]
|
|
| | | 881 | sarge33rd
ID: 3394177 Wed, Oct 07, 2009, 08:51
|
Just as an aside, what of the distribution system for insurance as it stands now?
When I sold a Health policy, as the broker, I got 65% of the 1st years premium as commission and paid the subordinate agent (when they sold the policy) 45% of the 1st years premium. 8% renewal for subsequent years. Now I also, spent 4 nights/wk in hotels, and put 70,000 miles/yr on my car. So it wasn't a pure gravy train. But has any honest evaluation been done on the HOW we market insurance in this country and the costs that contributes to the overall health care cost?
|
|
| | | 882 | Seattle Zen
ID: 238441010 Wed, Oct 07, 2009, 14:05
|
The ability to decline to quote, impose waiting periods, terminate coverage for lack of premium payments, etc., are designed to preserve the risk pool for all those who wish to buy insurance.
Bili is right, we MUST get rid of insurance companies, it's abundantly clear. Get your resume ready, Madman, you might have to start earning an honest living here, soon, as much as that scares you. There is no industry that is more of a disaster in our country, it is simply ridiculous we let this mess get so bad.
Pharmaceutical profits are next...
|
|
| | | 883 | boikin
ID: 532592112 Wed, Oct 07, 2009, 14:16
|
re: 881, i never knew any of this, very interesting.
Bili is right, we MUST get rid of insurance companies, it's abundantly clear. Get your resume ready, Madman, you might have to start earning an honest living here, soon, as much as that scares you. There is no industry that is more of a disaster in our country, it is simply ridiculous we let this mess get so bad.
Pharmaceutical profits are next...
then the TV stations, the beer companies, the car manufactures....
|
|
| | | 884 | biliruben
ID: 461142511 Wed, Oct 07, 2009, 14:38
|
then the TV stations, the beer companies, the car manufactures....
I can see where someone seeing pinko-commie boogiemen around every corner would be worried, but health insurance is a completely different animal. Competition in a true, transparent market where the average consumer is actually able to understand what the options are is virtually impossible. Large corporations with well-staffed HR departments can make some reasonably informed decisions, and so they can competitively priced bids. Everyone else gets jammed up the arse.
There are limits to market-based solutions. Health insurance is simply not well-suited to this solution.
|
|
| | | 885 | boikin
ID: 532592112 Wed, Oct 07, 2009, 16:20
|
There are limits to market-based solutions. Health insurance is simply not well-suited to this solution.
Maybe, i have not answers either way...here is what i do know despite all all its bad mouthing the current system has lead to the best medicine money can buy and the part i fear is not government take over of healthcare, i have even advocated a single payer system to some extent. No, the part that worries me is when you have companies that are no longer greedy you no longer have a desire to improve what you are selling, i.e. you no longer get the best medicine can buy.
|
|
| | | 886 | walk
ID: 147451314 Wed, Oct 07, 2009, 16:28
|
Yes, but that greed can also be a big negative whereby the search for shareholder value add and profit gets in the way of decisions that are for the health and well-being of insurance customers.
|
|
| | | 887 | boikin
ID: 532592112 Wed, Oct 07, 2009, 16:37
|
Agreed i mean it is a mess, i think that is problem you have two forces that at odds with each other greed leads to new developments in technology while it also leads to exploitation. I am not sure how you balance the two unless you can somehow negatively weight some aspects to greed. So that companies have incentives to not be greedy at times.
|
|
| | | 888 | Seattle Zen
ID: 238441010 Wed, Oct 07, 2009, 16:40
|
No, the part that worries me is when you have companies that are no longer greedy you no longer have a desire to improve what you are selling, i.e. you no longer get the best medicine can buy.
That's like arguing for a return to private firefighting. Without competition, we aren't getting the best firefighting because those firefighters aren't trying to improve their product.
We used to have private firefighting forces in our country, and you bought, wait for it... private fire insurance from these companies where they would promise to come to your house and put our your fire. It was a bad idea and still is.
|
|
| | | 889 | boikin
ID: 532592112 Wed, Oct 07, 2009, 17:10
|
that is not what i am saying, what i am saying is what we have been doing has got us the best medicine in the world, so what guarantees do we have that moving to other countries models means we will still have the best.
|
|
| | | 890 | biliruben
ID: 461142511 Wed, Oct 07, 2009, 17:11
|
Well, insurers don't improve medicine. I guess you could argue they do, and I'm sure Madman will try, but they just don't.
The major improvements in medicine are largely already "socialized", i.e. we have the NIH funded research dollars being paid for by the tax-payer.
That won't stop.
|
|
| | | 891 | boikin
ID: 532592112 Wed, Oct 07, 2009, 17:16
|
Well, insurers don't improve medicine. that is true and really when i first posted that i was thinking more to Zen's comments on the pharmaceutical industry. Still they are part of the process because they allow for individuals to pay for tests and treatments that otherwise would not have been developed.
|
|
| | | 892 | biliruben
ID: 461142511 Wed, Oct 07, 2009, 18:26
|
That drug companies, you might a bit more of a point, but the R&D at drug companies is awfully barren right now. They search for the block buster with a wide and deep market, and those sorts of drugs aren't as plentiful, and frankly often don't have a massive impact on health.
Much of the interesting work is being done at the Universities through government funding. When it starts to look promising, the drug companies jump on board.
|
|
| | | 893 | Perm Dude
ID: 438132822 Wed, Oct 07, 2009, 21:37
|
Baucus bill scores pretty well with the CBO.
I know, I know--we can't project things next year with any certainty let alone in ten years. But it is as certain as we can be.
And one big "if" for the score is that the CBO seemed unusually pointed that the numbers depended upon the bill being passed exactly as is.
Of course, the Baucus bill "saves" money by cutting back subsidies on premiums. But it does cover 94% of the country, and the fact that it does so while not adding to the deficit might might this an out-of-the-gate favorite. In an issue in which no one will walk away happy, this might be the best bill we see.
|
|
| | | 894 | boikin
ID: 532592112 Thu, Oct 08, 2009, 11:03
|
And one big "if" for the score is that the CBO seemed unusually pointed that the numbers depended upon the bill being passed exactly as is.
I am not sure that is that big if, i mean if changes to the bill the numbers are going to change. I would say this means it could theoretically be better, but knowing congress it is probably best to leave alone. Sounds like positive news to me though.
|
|
| | | 895 | Madman
ID: 20131721 Thu, Oct 08, 2009, 19:17
|
Sarge 881 -- Just as an aside, what of the distribution system for insurance as it stands now? That was an area attacked for cost savings. The idea was that the government through its web portal could provide services that organizations like esurance can't today. Some Dems argued successfully for online rank indexing plans, not just within actuarial value, but by sets of paid to allowed cost metrics for various health scenarios, quality score outcomes, etc. The government will weight its chosen benchmarks for success, making personal agents or private online brokers obsolete. Or so the story went.
Somewhere, the agent and broker lobby successfully argued that adding all this complexity to the health plans still leaves room for them. They got an amendment to the Baucus bill passed clarifying that agents and brokers can be the front end, making the government Exchanges yet another middle-man.
FYI, those commission rates sound more like dread disease plans, or mini-meds. I strongly suspect that the amounts paid as commissions will be regulated by the feds, like Medicare Advantage is today. There won't be many agents putting 70,000 miles on their car to explain to a person why a bronze plan is better than a gold plan.
............. BR -- here's an article doing a fair overview explaining the various government experiments with GI/subsidy approaches and/or other government expansions into the financial intermediary role in healthcare. Each of these experiments were conducted in the United States, taking as a given its culture, attitudes toward medicine, industrial organization of the healthcare delivery system (that's a very, very big part of this issue), etc. Each failed or is failing. Please post the dozens of examples you claim have resulted in lower costs after implementation of a public financial intermediarey and that had thos cost savings delivered in a private market with an entrepreneurial physician and facility business model. We can then more reasonably and professionally weigh the relative applicability of the illustrations. --------------- PD -- on the profits. Take industry profit a 3%. That's high and includes many things besides insurance. But it's a recent estimate. That's over less than half of the total healthcare spend in this country, both because our system is financed in the majority by its public system and because the vast bulk of the remainder actually is not insured by front-end health insurance companies. Let's be extremely, extremely, generous and put the industry profits at 1.5% of total healthcare spend.
The % of uninsured is roughly 15%. How are you going to cover those 15% with 1.5% of total spend?
On the baucus bill -- it is DOA. All serious analysts left/right/center agree that it will pound the middle class and not do what the CBO claims it will. The CBO's models weren't designed to operate in a low mandate/no mandate world like the Baucus bill. They told us that a couple of weeks ago. So you have to take its estimates with a grain of salt.
Fortunately, we are not left without better models from industry. Look to RAND, Olivery-Wyman, or others.
And, BTW, last I looked HR3200 still had the public option at Medicare. Different committees have done different things, granted, so if you want me to rip to shreds an alternative one, feel free to post. They are all fatally flawed. But HR3200 is the only one with CBO scoring and analysis and should be the assumed default when someone says *the* House bill.
And if you look at the Trustee report on Medicare, you'll be shocked to find that the Part D program has nothing to do with the Part B trust fund, which is what Medicare's big problem is. Fortunately, the Baucus bill will cut physician payments by 25% when the next Congress takes office. That will help the Trust fund. We'll see if there are any doctors left accepting Medicare at that point. That will also help the Trust Fund. What a good plan that is!
(you don't have to take my word for the problems in the CBO model. Just look at the non-group enrollments in 2012/2013, when the private industry land-grab is scheduled to begin in the risk-rated states. The CBO says that the landgrab won't exist. Which is extremely bizarre. But go with it. The CBO then says a bunch of people join the exchange. We know the people joining the Exchange will be the high cost people (i.e., people whose costs are so high that government regs would not allow surcharges to go high enough for them to receive insurance), but the low cost people had access to cheap insurance in 2012/2013 and passed it up in the CBO models. But if millions of high cost people sign up for the Exchange in 2013, then premiums will rise, etc., causing the uninsured problem to return. And/or the small group market will be hurt significantly. None of this happens in the CBO models. So, we know they aren't appropriately modeling the cost of the population they are signing up.
Plus, they told us that this was going to be a problem in their 9/22 letter.)
Lastly, congrats to the Senate Finance Committee for listening to my complaints about orphans. They now have a special provision so that orphans will be allowed to get coverage in the Exchange (child only policies). That's a step in the right direction, but not far enough.
|
|
| | | 896 | Perm Dude
ID: 438132822 Thu, Oct 08, 2009, 19:27
|
The % of uninsured is roughly 15%. How are you going to cover those 15% with 1.5% of total spend?
I've never proposed to pay for the uninsured strictly through industry profits. That would be silly. My point, that I've stressed over and over, is that there is an incredible amount of waste in the current for-profit health insurance scheme and that private insurance companies have little incentive to cut the waste when the self-made complications act as barriers to entry yet still generates profits for them.
There are other ways to eke money out of the system, but I'm under no illusion that the for-profit health insurance industry will be a willing player in health insurance reform. They certainly aren't going to make cutting wasteful spending easy to find, and are likely to do exactly what you are: Decrying the current government regulations while insisting that we simply can't cover everyone without tottering into financial ruin.
|
|
| | | 897 | Perm Dude
ID: 438132822 Thu, Oct 08, 2009, 19:28
|
I will add this: A government-run program, done in exactly the same way without any changes from what we currently have, will be 1.5% closer to its goal because it will not need to make that profit.
|
|
| | | 898 | Madman
ID: 398491216 Thu, Oct 08, 2009, 20:50
|
PD 896 -- are you a Democrat or not? What Andrew Sullivan is describing is a prior authorization regime. It is something a doctor voluntarily signs up for in return for seeing an insurer's customers. In net, it lowers medical spending. This is what the Exchange-based plans are supposed to do much MORE of, and here you are calling it waste while simultaneously praising the bills?
A government-run program, done in exactly the same way without any changes from what we currently have, will be 1.5% closer to its goal because it will not need to make that profit.
This represents a significant misunderstanding of basic economics. The government funding itself is not free. If the government program is debt financed, then it will have to make a return on its programs large enough to offset the interest charges on its debt. Alternatively, if it is tax financed, then it will suffer the deadweight loss associated with taxation. In both cases, translating a voluntary program that rewards work with an entitlement that penalizes work will have additional and substantive costs.
If you truly want to understand administration costs in insurance, I recommend this article by the American Academy of Actuaries as part of its professional responsibilities to the public.
|
|
| | | 899 | Frick
ID: 4945458 Fri, Oct 09, 2009, 08:31
|
Re: 896 private insurance companies have little incentive to cut the waste
Don't private companies have a large incentive to cut waste? If they cut waste they have more profits.
Government agencies have no incentive to cut waste, in fact they tend to promote waste as the waste adds to the the kingdom of the managers.
I will agree that governmental agencies don't have a profit margin to maintain, but saying that costs could be reduced based on waste in the current system vs a governmental system is a terrible argument. I've worked as an auditor in both private, governmental and public entities and there is a stark difference in the amount of waste in 2 of the three.
I'm not against major changes to the current system. In fact I think they need to happen, but I'm not sure the current proposal is a step in the right direction.
|
|
| | | 900 | sarge33rd
ID: 1795096 Fri, Oct 09, 2009, 08:38
|
FYI, those commission rates sound more like dread disease plans, or mini-meds.
Admittedly, those numbers are now roughly 25 years old. But those were the commission rates on individual health insurance policies, whether Major Med or what you termed "Dreaded Disease" ie Cancer ala American Family Assurance (not to be confused with American Family INSURANCE.) Group policies, paid 15% on the total 1st years annualized premium.
I went on the road to sell, soon after starting in that biz. Des Moines, IA has (had?) a disproportionate number of Insurance Agents. I recall going out cold-calling, door to door and on one Tues morning a rather frustrated woman answered and informed me that I was the 3rd such "professional" to knock her door that week, and here it was only Tue morning. I went from her door, to my car to my office and worked the phone setting out of town appointments for the rest of the week and continued to do so afterwards.
|
|
| | | 901 | Madman
ID: 20131721 Fri, Oct 09, 2009, 20:13
|
Frick 899 -- Don't private companies have a large incentive to cut waste? If they cut waste they have more profits.
Many thanks for pointing this basic fact out. Despite my tome-like posts, I managed to miss that most important fact.
I will add that, from experience, much of what is administrative "waste" in the private sector are for products and services offered by the insurance industry that customers want.
An example, made generic. A government plan discovered that their retirees were being exposed to large quantity of radiation due to exploding advanced imaging orders, many of which were duplicative and not medically necessary. The insurance company offered to contract with a private imaging management office to engage in the prior authorization of most radiation-based imaging. That's the stuff PD was criticizing.
It does add to admin cost, both to the doc and to the insurance company and therefore to the patient. But overall, it reduces cost and improves long-run health by reducing fraudulent, unnecessary, and/or redundant testing.
We would love to live in a world where every doctor was very circumspect in their use of advanced technology, especially tech which puts the patient at risk (which a lot of tech does, at least in part). But that isn't the world here in this country (it is closer to the rest of the world). Unless the docs self-regulate better, this sort of "cost" is necessary.
In this example, expert employers and individuals *demand* that insurance companies provide those services. Web-based services are another good example of that. (Can you look up your claims on Medicare? Ha! Trick question. Medicare chooses to not put your claims online for your review and they are not significantly accountable to the public for that sort of service.)
There are admin services that don't receive customer support. Those services die a withering death, even in the "non-competitive" world of insurance today.
Last comment. I spent most of the morning haggling over which DRG's and CPT codes should be interpreted to qualify for a series of state mandated benefits (not in ARK). How much admin did we burn today and everyday until we get this figured out? One step in the right direction would be for a federal reg to require all states to publish their interpretation of state mandates in language that can actually be used to code the claims processing. Much of the appropriate complaints of our industry stem from the fact that government itself refuses to tell us exactly how to process these claims. In our case, we really want to comply with both the letter and spirit of the law. But without specifics, it's anyone's guess as to whether we are. And each company may have slightly different interpretations of what is supposed to be paid at what rate.
And we are now starting to get vague federal regs written the same way. If you want consistent claim payment across carriers, look to government for the first step in the solution since they are the first step in the problem.
Sarge -- premiums are so much higher today, I can believe your commission percentages for years long ago. A mini-med today probably costs more than the full boat policies of 1977. And it probably covers more, too.
|
|
| | |
| | |
| | | 904 | biliruben
ID: 461142511 Mon, Oct 12, 2009, 17:25
|
Health insurers dusting off Harry and Louise redux
They are pissed about the softening of the "Mandate", and frankly, as much as I think they are an almost complete waste of dollars, I'm actually inclined to agree with them.
If you make a deal with the devil, there isn't much room for negotiation after that. A deal's a deal.
We need the mandate. Most 20 year olds will be 70 some day. Just think of it as a down-payment for when your health care becomes unaffordable, and suck it up.
|
|
| | | 905 | biliruben
ID: 461142511 Mon, Oct 12, 2009, 17:55
|
All that isn't to say that the PWC report isn't a bunch of horsesiht.
Ezra Klein explains.
Economists think that the tax on high-cost health-care plans will lead employers and consumers to demand cheaper plans that do more to control costs. In fact, PWC expects that, too. They just don't build it into their estimate. On Page 6, they say, "Although we expect employers to respond to the tax by restructuring their benefits to avoid it, we demonstrate the impact assuming it is employed." That's a bit like saying although I expect to eat doughnuts this morning, I will instruct my scale to act as if I had abstained.
|
|
| | | 906 | boikin
ID: 532592112 Tue, Oct 13, 2009, 10:10
|
We need the mandate. Most 20 year olds will be 70 some day. Just think of it as a down-payment for when your health care becomes unaffordable, and suck it up.
I think that is best argument i have seen for the mandated coverage.
Economists think that the tax on high-cost health-care plans will lead employers and consumers to demand cheaper plans that do more to control costs. In fact, PWC expects that, too.
this is flawed logic, even without the tax it is in the best interest of employers and consumers to demand cheaper plans. taxes do not change this. What the tax does is it changes the nature of plans being offered, you just decrease the premiums and increase the co-pay or better yet you just sell two insurance plans one to cover you medical bills and one to cover your insurance payments.
|
|
| | | 907 | boikin
ID: 532592112 Tue, Oct 13, 2009, 10:11
|
either way you have not actually reduced costs just changed the nature of the costs.
|
|
| | | 908 | Boldwin
ID: 1794329 Tue, Oct 13, 2009, 10:21
|
Economists think that the tax on high-cost health-care plans will lead employers and consumers to demand cheaper plans
The insurance industry has @ a 2% profit margin. What are you going to do? Hold a gun to their head and make them work for free?
Just more typical liberal thinking. Money can just magically be pulled from anyone else's butt, not your own of course.
|
|
| | | 909 | biliruben Leader
ID: 589301110 Tue, Oct 13, 2009, 10:25
|
Until the last decade or two, insurance companies routinely ran a deficit until you took into account interest income. They were essentially investment banks.
|
|
| | | 910 | Boldwin
ID: 1794329 Tue, Oct 13, 2009, 10:28
|
And the current plan being voted on today is just a HUGE tax being imposed [and denied/obfuscated], as well as further sabotage leading to socialist medicine down the road.
That is all you need to understand democrat tactics. Sabotage the system and claim the only solution to the problems [liberals have created] is socialism.
|
|
| | | 911 | biliruben Leader
ID: 589301110 Tue, Oct 13, 2009, 10:30
|
The democrats sabotaged health insurance.
Huh.
We live in different worlds, Baldy, you lovable nutter you.
|
|
| | | 912 | Boldwin
ID: 1794329 Tue, Oct 13, 2009, 10:33
|
As if it wasn't expensive enuff the Baucus bill will raise expenses another 4k for a family.
|
|
| | | 913 | Boldwin
ID: 1794329 Tue, Oct 13, 2009, 10:34
|
Since constant price rises like this are unsustainable, Dems will be back at the table demanding socialist 'solutions' to the unbearable expenses next cycle.
|
|
| | | 914 | biliruben Leader
ID: 589301110 Tue, Oct 13, 2009, 10:52
|
As if it wasn't expensive enuff the Baucus bill will raise expenses another 4k for a family.
See 905
|
|
| | | 915 | Boldwin
ID: 1794329 Tue, Oct 13, 2009, 10:53
|
And again, it's just amazing how Dems blythely cut gigantic chunks off Medicare/Medicaid when they used to call Republican plans to merely keep costs even, a cut that they would scream bloody murder over.The CBO is estimating that the total cost of Baucus’ Senate version of Obamacare will cost $1.7 trillion by 2023. To “pay” for this cost, the Baucus bill cuts $1 trillion from Medicare and Medicaid and raises taxes by $.7 trillion.

And then there are a host of ludicrous assumptions about future actions of future congresses made by the CBO. I'd like to read the book on how you trick the CBO into providing this kind of an estimate based on patently impossible predictions.
|
|
| | | 916 | Perm Dude
ID: 438132822 Tue, Oct 13, 2009, 11:37
|
Copy of the CBO letter to the Chairman (pdf). Just so you know what we're talking about.
Anyone who is looking to criticize any bill by looking to 2023 has their head up their ass. The 2019 estimate is fantasy enough.
It is also probably worth noting that what something "costs" and its "net cost" are two different things. And those who deal in fear as the coin of their policymaking are unlikely to even care about the difference.
|
|
| | | 917 | Boldwin
ID: 1794329 Tue, Oct 13, 2009, 12:34
|
We have nothing to fear but fear itself. Heck, ask the Chinese to loan us twice as much.
|
|
| | | 918 | Perm Dude
ID: 438132822 Tue, Oct 13, 2009, 19:53
|
|
|
| | |
| | | 920 | Madman
ID: 20131721 Wed, Oct 21, 2009, 22:27
|
the administration threatens insurers with anti-trust suits if they keep down costs.
How could the administration threaten the insurance industry if anti-trust didn't apply? Facts are annoying things.
Bold 915 -- your points are quite valid. One major assumption that the CBO uses this time around is that any cut in health benefits will lead automatically to a dollar-for-dollar increase in wages. These wages are then taxed at a fairly high rate, helping Social Security solvency just a little bit, but generating hundreds of billions in tax revenues.
It's a total mirage, as PD himself has argued, but it was a key assumption that they warned us they would engage in.
It's also important to note that the CBO itself makes the exact same assumption that Ezra Klein / biliruben mock in 905. Specifically, approximately 2/3 of the tax revenue raised from the excise tax on costly plans is actually coming from benefit cuts that lead to higher wages and therefore tax revenue. In the CBO/PWC world, whether insurers redesign plans to avoid the tax is irrelevant to whether the government gains in tax revenues.
We've seen "benefit buydowns" for the past decade (i.e., reductions in actuarial values). We almost never see corresponding wage increases to compensate for that. I've posed that conundrum to various people, and no one has been able to do anything but mutter about some esoteric research papers and compensating differentials in labor market equilibria.
br 909 -- and up until the early 1990s, the government didn't require us to run profits back into surplus to back up insurance claims, either (failure to do so will result in a state takeover). Your point?
|
|
| | | 921 | Madman
ID: 20131721 Wed, Oct 21, 2009, 22:34
|
PD -- And those who deal in fear as the coin of their policymaking are unlikely to even care about the difference.
Truer words have never been spoken. Let's start with the top and the argument that we are headed for ruin if we don't pass this bill without sufficient review. Talk about fear-mongering. Heard the one about how Republicans want you to die?
In return, how often do you hear Republicans argue that the federal government killed Deamonte Driver? Almost never. But that's fairly close to the truth, since per-unit underpayments in Medicaid made it impossible for him to find a willing provider in time to save his life. Amazingly, in contrast, his death instead has been used as an excuse to expand the program that basically killed him, as part of healthcare reform that with record hubris is proclaimed to be necessary to save people from dying. Without us, you'll die. No fear mongering here, move along.
|
|
| | | 922 | Perm Dude
ID: 154552311 Thu, Oct 22, 2009, 12:31
|
Dems lose vote to increase Medicare payments to doctors by $247 billion over ten years.
Good for the Republicans (and those dozen Dems) who blocked this. Such an unfunded increase for a program already facing an uncertain fiscal future is practically Bush-like in its outlook.
Andrew Sullivan calls this payment a "bribe" which probably isn't so far off the mark, IMO.
|
|
| | | 923 | biliruben
ID: 461142511 Thu, Oct 22, 2009, 13:12
|
920 - My point is that insurers are charging more than they used to. They are more profit oriented.
921 - Just because you can no longer directly collude on prices doesn't mean you aren't still sharing loss information, using the anti-trust exemption given in M-F act.
|
|
| | | 924 | boikin
ID: 532592112 Thu, Oct 22, 2009, 13:23
|
My point is that insurers are charging more than they used to. They are more profit oriented.
or costs have gone up.
|
|
| | | 925 | Perm Dude
ID: 154552311 Thu, Oct 22, 2009, 13:37
|
#920: One major assumption that the CBO uses this time around is that any cut in health benefits will lead automatically to a dollar-for-dollar increase in wages.
Exactly--I made that point earlier, and it is good to see that we are on the same page. The same error was made throughout the Bush Administration to justify cutting taxes for the wealthy, in the belief that they would use this extra money for job creation (and therefore, taxable wages down the line).
|
|
| | | 926 | boikin
ID: 532592112 Thu, Oct 22, 2009, 14:11
|
The same error was made throughout the Bush Administration to justify cutting taxes for the wealthy, in the belief that they would use this extra money for job creation (and therefore, taxable wages down the line).
but it is not a complete error, if taxes are decrease and savings rates remain constant the extra money has to go somewhere, whether directly into new hiring or being wasted on million dollar yachts, labor must be used to satisfy these expenditures.
|
|
| | | 927 | Perm Dude
ID: 154552311 Thu, Oct 22, 2009, 14:20
|
As we saw during the last administration, very little of that money went into job creation (either through hiring more workers, raising wages, or purchasing consumables). Most of the money went into financial vehicles for the individuals getting the cash.
Now, on its own that isn't a bad thing. But the government has had to borrow money, at interest, to allow that to happen. And that makes the tax giveaway a bad thing. Not to mention that making the poor and middle classes shoulder a larger percentage of the budget for, essentially, a fake reason while we fight two wars is (at best) unethical.
Bottom line: The presumption that tax cuts will be plowed back into taxable wages is a myth, and always has been, no matter whether it is the result of a Democratic or Republican plan.
|
|
| | | 928 | boikin
ID: 532592112 Thu, Oct 22, 2009, 14:30
|
The presumption that tax cuts will be plowed back into taxable wages is a myth
no the myth is that it is plowed back into lower or middle class taxable wages, the money is there and is still being taxed, whether as capital gains from financial vehicles or through higher wages at the managers of the financial vehicles.
|
|
| | | 929 | Perm Dude
ID: 154552311 Thu, Oct 22, 2009, 14:34
|
no the myth is that it is plowed back into lower or middle class taxable wages
Fair enough.
The belief that cutting the taxes of the wealthy in general will result in revenue increases is a folly. I certainly don't want to make it appear that I think we won't get some of that money back. But the amounts are puny, and the sources aren't anything like the plan is being sold on.
|
|
| | | 930 | Biliruben movin
ID: 358252515 Thu, Oct 22, 2009, 15:31
|
I guess I should say charging more, relative to costs. Their profits are up.
|
|
| | | 931 | boikin
ID: 532592112 Thu, Oct 22, 2009, 15:53
|
re: 929, that is relative at times the government repeats the benefit other times it does not. For example right now it is not, but during the real estate boom local governments were booming from increased real estate taxes and I am sure the Federal government was doing OK raking in capital gains off financial vehicles.
|
|
| | | 932 | Perm Dude
ID: 154552311 Thu, Oct 22, 2009, 16:51
|
I don't think as much as you might believe. After reducing tax rates for the wealthy and capital gains tax cuts as well, the government was making pennies.
Think of it this way: The government gives you back $100 of what you previously owed in taxes. You invest that, and pay (say), 50% of the profit in taxes (capital gains + personal taxes). And let's say you make a 30% profit on the $100 (lucky you). So the federal government gets back $30 x 50% or $15 for its $100 giveback.
So you are right that the revenue is not zero. But it is nowhere close to what it would be if the government had simply not cut the taxes for the wealthy in the first place.
Local governments are another matter, far too complicated to go into in this thread. Suffice to day that, as a mayoral candidate, I've had my head in a lot of ledgers about this very point the last couple of months.
|
|
| | | 933 | boikin
ID: 532592112 Thu, Oct 22, 2009, 17:29
|
So you are right that the revenue is not zero. But it is nowhere close to what it would be if the government had simply not cut the taxes for the wealthy in the first place
truthfully it would be impossible to prove what the government gets what it doesn't get. the point i was trying to make was that a blanket statement to that savings from tax breaks do not come back as other taxes is not accurate. The rate that they comeback is that is another story.
As for local governments i referring mostly to my county, which repeated major benefits from real-estate boom, now it paying the price for not thinking it was going end.
|
|
| | | 934 | Frick
ID: 4945458 Fri, Oct 23, 2009, 08:58
|
Re: 932
I know that you were trying to use a simple example, but if that $100 was used to fund an expansion of a business, they are hiring more workers. Those workers are paying income taxes as well and they are taking their income and spending it, thus generating sales tax and generating additional income taxes for the businesses they shop at.
Does 100% of the tax cut make it back to the government? No one knows. Economists have debated this before and the argument gets muddied after the secondary and tertiary levels. Is the additional additional revenue for the government a direct, indirect or not related to the tax cut?
Where high end tax brackets are set is a complex issue. One of the reasons for the current financial mess (IMO) is the lower high-end tax brackets. There was less incentive for high level executives to get 9 figure pay packages when 80% of it would be paid as taxes. The flip side of that is the lower high end tax brackets did fuel some of the growth that we saw when Reagan dropped them.
What does all of this have to do with health care? Well, maybe companies would prefer to over benefits to more employees (i.e. Wal-Mart) if it was more efficient for the top executives. They could either plow some of the company profits into health care for their employees and potentially attract better workers, or they can pay for health care for everyone by paying significantly higher taxes.
|
|
| | | 935 | Perm Dude
ID: 154552311 Fri, Oct 23, 2009, 10:08
|
Right, but we know that the tax cuts during the Bush Administration did not, by and large, go to expanding businesses (neither did they, really, during the Reagan Administration, when the Laffer Curve was all the rage).
I'm certainly not debating that the what is being described could happen in theory. I'm saying that is hasn't actually happened in the past because the wealthy don't always act as irrationally as hoped for. Neither do companies--Wal-Mart doesn't prefer to pay wages over benefits--they prefer to pay low wages and no benefits whenever they can and to presume that companies act otherwise simply doesn't reflect the real choices that are being made.
|
|
| | | 936 | boikin
ID: 532592112 Fri, Oct 23, 2009, 10:38
|
PD I think you are missing Frick's point his point is that possibly CEOs are willing to trade company provided benefits for not having to bay higher taxes.
|
|
| | | 937 | Perm Dude
ID: 154552311 Fri, Oct 23, 2009, 10:48
|
Well, they already have that option now, boikin. Maybe we can incentivize it more (and maybe that's Frick's larger point), but it would still be an expense and something you'd have to pay out as a business.
As my accountant always points out to me, "It's great that you can write of A, B, and C. But you still have to spend your money on it."
Overall, I don't think we are necessarily disagreeing on very much, however.
When it comes to benefits in general, and health care benefits in particular, this country has really been coasting along for a long time assuming that the costs would be paid for my employers as it has been. What this current recession will do (I think) is demonstrate that many businesses will be competing on part time and no-benefit full-time employees because they simply can't afford the benefit costs even with tax breaks.
|
|
| | | 938 | Perm Dude
ID: 154552311 Fri, Oct 23, 2009, 13:04
|
Some interesting points being made by FactCheck on polling regarding the public option.
We all know that the right and left are talking past each other on the polling numbers--the left emphasizes the "choice" part of the public option, while the right emphasizes the "federal government administers" part. Not surprisingly, when the public is asked questions which include both aspects, they overwhelmingly support a public option. Take out the word "choice" from the question, support drops. Even those numbers are far, far higher than the right likes (or probably even believes).
|
|
| | | 939 | boikin
ID: 532592112 Fri, Oct 23, 2009, 13:41
|
that was really interesting article. I would like to point out that "choice" was not the only change between the two questions. "Creating" was also added two the second question. I am surprised they did not pick up on that, since that word could easily be the influential word.
|
|
| | | 940 | Perm Dude
ID: 154552311 Fri, Oct 23, 2009, 14:34
|
Anecdote #5 million as to why we need health insurance reform (They all boil down to the same thing: For-profit health insurance companies have huge cracks in coverage through which people not only fall, but sometimes are pushed).
Boikin: Good point on that "creating" word change.
|
|
| | | 941 | Madman
ID: 20131721 Sun, Oct 25, 2009, 16:26
|
Regarding the tax revenue estimates of the CBO, although I agree with PD in concept, I think there are clearer explanations for why their assumption is bogus.
Consider the following: An employer who pays $5000 of an employee's $8000 annual coverage. Premiums go up to $8500. The extra $500 is now subject to the excise tax if the plan is not redesigned. The CBO and PWC and most of the insurance industries study assume that most plans will be redesigned.
The question is then what does the employer do? Economic theory says that wages must clear, and that wages must increase by $500 (after-tax) to compensate the individual. I disagree for several reasons.
First, these buy-downs and market forces are industry-wide. The relevant trade-off therefore isn't into another job with a different firm, it is into unemployment. I don't think the employee is in a strong competitive position when that is their next option.
Second, even if there is wage pressure, the employers and employees have an abundance of other tax-sheltered options that are much closer to the tax-sheltered health insurance. The employer could contribute to a 401k; wellness plans; etc. Even if the employer awards the individual $500, the individual may have several other options. They could increase their FSA or HSA. This, in fact, is the most likely option since it will directly offset their increase in out of pocket medical costs. They could increase their own 401k contributions. They could donate the increased wages to charity.
They could also be lower-income individuals, who may not be taxed currently or under the proposal.
When the vast bulk of the revenue enhancements in the bill are built on this sort of shaky foundation, we have reason to be worried.
.............
PD -- on the rape examples, don't forget that under SFC reform, an uninsured rape victim must remain uninsured for up to 12 months, depending on the timing of their rape. (The legislative language released last week is starting to fill in the holes for when the feds will require you to remain uninsured).
I think a much preferrable approach is to standardize the application form and what statistics can be pulled for underwriting. Unlike the Democratic healthcare reform bills for which there are no successful state experiments to date, there are many states who standardize what can be used for underwriting and that can be done successfully.
br 923-- we are required by law to share loss information. Under the reform you are proposing, that requirement will be honored in federal law. Read the last provision. As to the rest, profits are still quite low as a percentage, and are barely enough in general to keep up with government-required surplus contributions. That's why you see non-profits and profits mirroring each other in today's environment. The biggest reason for premium increases are increased services, both directly provided through healthcare providers and directly provided to the consumer (web services, coordination of care programs, provider outreach, etc.).
|
|
| | | 942 | Perm Dude
ID: 154552311 Sun, Oct 25, 2009, 16:41
|
I think a much preferrable approach is to standardize the application form and what statistics can be pulled for underwriting
Absolutely. This is why I think some state leeway needs to be used in any sweeping bills of this sort, to allow for state-level experimentation to develop the best ways to accomplish the stated goals.
I hadn't seen the specific terms for uninsured--mostly because I've been avoiding reading too much into what are rapidly changing waters. Maybe if you are looking at the details more closely you've got a better sense that the details are gelling (and will alert us accordingly)! I haven't seen yet that we're at the point where the details are coming together at that level yet.
|
|
| | | 943 | Madman
ID: 20131721 Sun, Oct 25, 2009, 17:23
|
PD 942 -- I was talking about the 1,500 page legislative language version of the SFC which came out last week. It specified that people were only to be allowed entrance into the risk pool at a given time and under specific circumstances. I'm making that sound negative, but I'm not necessarily against it if the rest of the bill goes down the way it looks like.
I also can't find the 3-month grace period for paying premiums that was mentioned in the conceptual language. That would have obliterated the insurance market, so hopefully that is truly absent.
I have no idea if the legislative language of the SFC is relevant to what is going on now, or not.
But when you realize that terribly important details like the 3-month grace period can just appear and/or disappear in a flash, you really have to wonder how anyone can claim to model this sucker out.
PD -- glad to see your comments about the Medicare vote, and I agree. However, I will point out a couple of things.
a) The physician payments are from Part B, for which general revenues are used to finance the subsidy. Therefore, the trust-fund-running-out-of-money problem that Medicare is facing wouldn't be made worse off with the vote. Although our federal finances would be.
b) Seniors will pick up an *additional* 1/3 of the $247b in Part B premiums (about 25% of Part B costs are paid in premiums, by statute, therefore if Part B costs go up, so do premiums but by a lesser amount). For some reason, no one is mentioning this. I think no one is mentioning it for two reasons. First, the actuaries have essentially priced for the higher physician payments by maxing the contingency margins in their work (I'm 80% sure on this, not 100%). That means premiums will fall if Congress doesn't "fix" Medicare, but premiums wouldn't rise if they do. And they wouldn't adjust until 2011. Second, both parties want to give in to the docs and neither party wants to piss off seniors by pointing out this inconvenient fact.
|
|
| | | 944 | Madman
ID: 20131721 Mon, Oct 26, 2009, 00:03
|
From the Department of "Duh", the CBO has launched a smackdown of the political rhetoric that suggests monopolistic industry practices have driven up premiums ... and the bizarre thesis that repealing the anti-trust exemption would significantly lower premiums or significantly impact the industry, aside from unintended side-effects.
One paragraph:
"H.R. 3596 could affect the costs of and premiums charged by private health insurance companies; whether premiums would increase or decrease as a result is difficult to determine, but in either case the magnitude of the effects is likely to be quite small. To the extent that insurers would otherwise engage in the prohibited practices and be prevented from doing so by enactment of this bill, premiums might be lower. (That effect is likely to be small because state laws already bar the activities that would be prohibited under federal law if this bill was enacted.) To the extent that insurers would become subject to additional litigation, their costs and thus their premiums might increase. Based on information from the Justice Department, the Federal Trade Commission, the National Association of Insurance Commissioners, consumer groups, and private attorneys, CBO estimates that both of those effects would be very small, and thus that enacting the legislation would have no significant effect on the premiums that private insurers would charge for health insurance. Changes in those premiums can affect federal revenues because of the favorable tax treatment that is accorded to employment-based coverage under current law, but any such effects of the legislation would be negligible in CBO’s estimation."
I can hear the CBO staffers going "WTF, we're running 24-7 with healthcare reform modeling and we have to take a time out for THIS?"
|
|
| | | 945 | biliruben
ID: 461142511 Mon, Oct 26, 2009, 15:25
|
Just reinforces my opinion that true competition is nigh on impossible for health care and insurance. I agree, trying to improve competition among private health insurers is a fool's game.
Another chapter in the book of "Duh": Health reform opposed by rich, old white men.
|
|
| | | 946 | Madman
ID: 20131721 Mon, Oct 26, 2009, 22:24
|
br -- the anti-trust exemption has nothing to do with increasing competition. One way to increase competition is to kill off the non-profits that are acting as a check on the big for-profits. Once the profits in the industry increase, there will be new entrants and there will be more competition (and higher rates).
............
Another gem from the CBO. CBO blog...
"Third, over the 2011-2019 period, CBO estimates that aggregate Part B premiums would increase by about $70 billion. Premium collections are recorded as offsetting receipts (a credit against direct spending). Beneficiaries enrolled in Part B of Medicare pay premiums that offset about 25 percent of the costs of those benefits. (All of the changes in Medicare spending that would result from enacting S. 1776 would be for Part B benefits.) Therefore, about one-quarter of the increase in Medicare spending would be offset by changes in those premium receipts. The premium for 2010 has already been set and will not be changed, so S. 1776 would have no effect on Part B premium receipts until 2011."
Pretty much what I said yesterday, eh? They are getting paid way too much to state the obvious.
|
|
| | | 947 | Perm Dude
ID: 154552311 Mon, Oct 26, 2009, 22:41
|
I don't believe it is profit margins that are setting up the barriers to entry into the health insurance market, Madman. Holding out increased competition as some sort of natural side effect of increased profits in the field has a MLB-owner feel to it ("Give me a stadium and your problems will be solved...").
|
|
| | | 948 | Boldwin
ID: 4947297 Fri, Oct 30, 2009, 08:08
|
'That is not my dog'
1) 40 Dems claim they will block the house bill if it does not include a 'Hyde amendment' similar to the one that [only] blocks HHS appropriation bills from funding abortions. No house bill includes such a prohibition and Dem leaders have been told that they will not be allowed to offer such an amendment on the house floor.
2) Obama claims 'our plan' does not include funding for abortion.
3) However Obama does not have a plan and the one Nancy Pelosi will allow on the floor for a vote does allow funding for abortion and she is making sure it stays that way.
4) Obama is telling a crafty deliberate lie.
5) This is remenicent of the scene in 'The Pink Panther' where the inspector is reassured that 'his' dog does not bite. After being savaged by the dog, the man who reassured him, explains, 'That is not my dog'.
Not so funny the second time around.
|
|
| | | 949 | biliruben
ID: 461142511 Fri, Oct 30, 2009, 16:03
|
Baldy - why wouldn't it simply be redundant to the Hyde Amendment?
|
|
| | | 950 | Perm Dude
ID: 154552311 Fri, Oct 30, 2009, 16:20
|
The House plan specifically prohibits taxpayer money to cover the procedures. If abortion is covered in a procedure, it would be covered strictly out of premiums.
Not many plans cover abortions, and those that do have restrictions on coverage as with any other elective procedures. This is another case of conservatives (including the Catholic Church) being wrong on the facts.
|
|
| | | 951 | Boldwin
ID: 26451820 Fri, Oct 30, 2009, 22:19
|
Well you, PD, are wrong on the facts and it's as obvious as the nose on your face. Why is Nancy Pelosi willing to risk 40 dems revolting and blocking the bill, just to prevent them from introducing an amendment saying what you claim is already the case?
|
|
| | | 952 | Perm Dude
ID: 154552311 Fri, Oct 30, 2009, 22:25
|
Nonsense. This bill is a complicated one, involving a lot of negotiating on the part of a lot of people. Many, many moving parts.
What you would like is that it all be based on the lie that you believe. There is not now, nor was there ever, the use of taxpayer money to fund abortions.
But the truth matters. Not to you, of course, but you'll pay for your lies when you try to punch your ticket to the next life. Sunday morning piety isn't going to cover ongoing and continuous Friday night lies.
|
|
| | | 953 | Boldwin
ID: 27943011 Sat, Oct 31, 2009, 03:09
|
There is a lot of fuzzy language deliberatley crafted to be both useful to democrat death-culture hardliners, and at the same time include deniability up front so as to get it past a pro-life electorate.
The 'bill does require health care plans to cover “essential benefits.” Numerous amendments were introduced in various House and Senate Committees to clarify that abortion was not an “essential benefit.” However, all of these amendments were defeated. Without an explicit amendment to prohibit abortion from being covered, such services could be required by courts and the Secretary of Health and Human Services, resulting in employers and taxpayers being forced to pay for this service.'
'The Secretary of Health and Human Services alone chooses whether to adopt the standards. There is no appeal process. The Secretary of Health and Human Services conducts audits and determines if plans comply with benefit standards. The secretary can fine an employer, or suspend or terminate the plan if the secretary deems the employer in noncompliance. The secretary may decide to require that health plans cover polarizing services, such as abortion, and all employers will be forced to abide by the secretary’s decision.'
There is no question in my mind that a Kathleen Sebelius will interpret that as permission, nay mandate to force all policies to pay for abortion, and that a willful fool like PD will close his eyes and pretend that the lack of specificity is sufficient fig leaf to pretend that it won't.
|
|
| | | 954 | Tree
ID: 248472317 Sat, Oct 31, 2009, 09:15
|
i, for one, am proud to have as a member of this board, someone who has not only read this gigantic, hefty, 1000-page bill, but also has a clear grasp and understanding of the entire thing.
thank you Baldwin. without you, all would be lost.
|
|
| | | 955 | Boldwin
ID: 27943011 Sat, Oct 31, 2009, 10:44
|
How many liberals do you know who do not feel that abortion is an 'essential service.'?
|
|
| | | 956 | Perm Dude
ID: 154552311 Sat, Oct 31, 2009, 11:27
|
For health insurance to pay for it in all cases? None.
I don't believe that the government should ban nose jobs (it isn't their place to do so) but I don't believe that insurance should automatically pay for it, no questions asked.
The difference is still eluding you, yes? You aren't very smart, are you? You've become such a tool of Beck et al I think you automatically start bending forward when you hear the FOX news theme.
My suggestion to you is to find out if your own insurance company pays for abortions and (when you find out it does, paid for out of premiums) quit it in outrage. After all, your premiums are paying for abortions!
|
|
| | | 957 | Tree
ID: 248472317 Sat, Oct 31, 2009, 12:02
|
How many liberals do you know who do not feel that abortion is an 'essential service.'?
at least one right here. i believe it is an essential option for a woman to have.
i don't believe government-sponsored health insurance should pay for it. if she chooses to buy into a private insurance company, and there's an abortion option, by all means, it's her money.
i think PD's nose job analogy is pretty much right on the money.
|
|
| | | 958 | Boldwin
ID: 26451820 Sat, Oct 31, 2009, 14:34
|
Bet the farm that abortion doesn't become an official government 'essential benefit'...really I dare you. Put it all on the line.
|
|
| | | 959 | Tree
ID: 248472317 Sat, Oct 31, 2009, 14:51
|
Bet the farm that abortion doesn't become an official government 'essential benefit'...really I dare you. Put it all on the line.
a bet with you is a sure loss, because you're not above distorting the truth and lying to express a point.
if you want to put a time frame on it (6 months, 12 months) and the phrase "essential benefit" as the only two caveats, then i'll put a grand down.
you willing to put up, or shut up? your choice...
|
|
| | | 960 | Boldwin
ID: 26451820 Sun, Nov 01, 2009, 06:40
|
I don't gamble but you couldn't find a worse gamble than you are offering to make. Certainly during Obama's first term he would manage to slip that coverage in under an HR3200 type program. I don't know how much public pressure could be brought to bear by the slim pro-life majority once the language was in place allowing it. Not enuff most likely. Even if they could influence it after the fact it would only be a delaying tactic. The critical damage would be done. Just like getting euthanasia into case law during the Terry Schiavo debacle. They already got the critical part accomplished towards rampant euthanasia. Once it's in law the rest is downhill sledding.
|
|
| | | 961 | Tree
ID: 248472317 Sun, Nov 01, 2009, 22:05
|
I don't gamble...
sounds like you need to shut up then. Challenge me to a wager, then back down with some bull$hit excuse.
Typical of you.
|
|
| | | 962 | holt
ID: 308491916 Sun, Nov 01, 2009, 23:57
|
troll
|
|
| | | 963 | Perm Dude
ID: 154552311 Mon, Nov 02, 2009, 00:00
|
He's just setting himself for success, Tree. As you can see, he wants to be able to claim victory by merely pointing out that the table is being set for the endgame he is predicting.
This is not unlike my predicting a huge Cleveland Browns victory merely by pointing out the fact they all the players arrived on-time for the game, dressed in appropriate uniforms, and have a game plan well understood and practiced upon.
What else would you want?
|
|
| | | 964 | Tree
ID: 248472317 Mon, Nov 02, 2009, 08:51
|
troll
not sure who you're calling a troll, but if you are, you're off base and out of line.
i answered Baldwin's question directly, with no commentary.
his respond to me was met with a wager challenge, which i accepted.
he then backed down.
|
|
| | | 965 | holt
ID: 308491916 Mon, Nov 02, 2009, 15:31
|
Your acceptance of a wager was about as realistic as Baldwin's offer of one. It's obviously rhetorical.
It seems like you guys wake up in the morning thinking of things to antagonize each other with. It doesn't really make for interesting reading material.
|
|
| | | 966 | Farn Leader
ID: 451044109 Mon, Nov 02, 2009, 15:37
|
It doesn't really make for interesting reading material.
I disagree. I still get a small laugh out of reading Baldwin's bigotry and watching him backpedal faster than Michael Jackson's moonwalk when he's caught in a lie or inappropriate comment. I don't ever bother to reply to his stupidity but I still get a good laugh out of him.
|
|
| | | 967 | tree on the treo
ID: 287212811 Mon, Nov 02, 2009, 16:24
|
Your acceptance of a wager was about as realistic as Baldwin's offer of one. It's obviously rhetorical.
then why am I the troll? I was accepting a wager.
best I can tell, the one trolling here is you..
|
|
| | | 968 | Jag
ID: 19540280 Mon, Nov 02, 2009, 21:38
|
I believe the Democrats intentionally try to sabotage their own health care bills. It would be simple to insure the 12 million that are uninsured, but instead they display a policy, that they are sure will be voted down so to keep the issue alive for votes.
|
|
| | | 969 | biliruben Leader
ID: 589301110 Mon, Nov 02, 2009, 23:33
|
Do you even read the newspaper, Jag?
|
|
| | | 970 | boikin
ID: 532592112 Tue, Nov 03, 2009, 10:51
|
re: 968 I use to think the same think about the bush administration.
|
|
| | | 971 | Boldwin
ID: 26451820 Tue, Nov 03, 2009, 18:02
|
Just for future reference when you are looking back at the wreckage that once was America...file away the WSJ's judgement of this legislation....may well be the worst piece of post-New Deal legislation ever introduced.-------The result will be destructive on every level—for the health-care system, for the country's fiscal condition, and ultimately for American freedom and prosperity.-------The taxpayer costs would be far higher if not for this "firewall"—which is sure to cave in when people see the deal their neighbors are getting on "free" health care. Mrs. Pelosi knows this, like everyone else in Washington.-------the House disguises hundreds of billions of dollars in additional costs with budget gimmicks. It "pays for" about six years of program with a decade of revenue, with the heaviest costs concentrated in the second five years. The House also pretends Medicare payments to doctors will be cut by 21.5% next year and deeper after that, "saving" about $250 billion. ObamaCare will be lucky to cost under $2 trillion over 10 years; it will grow more after that.--------Expanding Medicaid, gutting private Medicare. All this is particularly reckless given the unfunded liabilities of Medicare—now north of $37 trillion over 75 years. Mrs. Pelosi wants to steal $426 billion from future Medicare spending to "pay for" universal coverage. While Medicare's price controls on doctors and hospitals are certain to be tightened, the only cut that is a sure thing in practice is gutting Medicare Advantage to the tune of $170 billion. Democrats loathe this program because it gives one of out five seniors private insurance options.--------The cost of insurance, naturally, will skyrocket. The insurer WellPoint estimates based on its own market data that some premiums in the individual market will triple under these new burdens. The same is likely to prove true for the employer-sponsored plans that provide private coverage to about 177 million people today.---------Essentially, all insurers will become government contractors, in the business of fulfilling political demands: There will be no such thing as "private" health insurance.***All of this is intentional, even if it isn't explicitly acknowledged. The overriding liberal ambition is to finish the work began decades ago as the Great Society of converting health care into a government responsibility. Mr. Obama's own Medicare actuaries estimate that the federal share of U.S. health dollars will quickly climb beyond 60% from 46% today. One reason Mrs. Pelosi has fought so ferociously against her own Blue Dog colleagues to include at least a scaled-back "public option" entitlement program is so that the architecture is in place for future Congresses to expand this share even further.--------As Congress's balance sheet drowns in trillions of dollars in new obligations, the political system will have no choice but to start making cost-minded decisions about which treatments patients are allowed to receive. Democrats can't regulate their way out of the reality that we live in a world of finite resources and infinite wants. Once health care is nationalized, or mostly nationalized, medical rationing is inevitable—especially for the innovative high-cost technologies and drugs that are the future of medicine. Mr. Obama rode into office on a wave of "change," but we doubt most voters realized that the change Democrats had in mind was making health care even more expensive and rigid than the status quo. Critics will say we are exaggerating, but we believe it is no stretch to say that Mrs. Pelosi's handiwork ranks with the Smoot-Hawley tariff and FDR's National Industrial Recovery Act as among the worst bills Congress has ever seriously contemplated.
|
|
| | | 972 | Biliruben movin
ID: 358252515 Tue, Nov 03, 2009, 18:23
|
I'm trying to recall a time when the wsj editorial board has ever been right about anything.
I'm drawing a blank.
|
|
| | | 973 | Boldwin
ID: 26451820 Wed, Nov 04, 2009, 04:19
|
That's not their fault.
|
|
| | | 974 | biliruben
ID: 461142511 Wed, Nov 04, 2009, 12:45
|
That they are clueless?
I guess, if you are of the mind to consider repeatedly wrong-headedness a genetic defect. I guess you can't blame them in that circumstance. Just another set of conservative victims to go in the collection.
|
|
| | | 975 | Perm Dude
ID: 438132822 Wed, Nov 04, 2009, 23:09
|
AARP to endorse Dems health care plan
In related news from the same piece, the GOP plan appears to be doing nothing at all to solve the problem of the uninsured.
|
|
| | | 976 | Boldwin
ID: 26451820 Thu, Nov 05, 2009, 04:49
|
One of my personal goals is to get as many people out of AARP as I possibly can. And I am not without success so far.
|
|
| | | 977 | DWetzel at work
ID: 49962710 Thu, Nov 05, 2009, 11:34
|
I thought you were AGAINST the death panels.
(Cheap shot? Probably.)
|
|
| | |
| | | 979 | boikin
ID: 532592112 Thu, Nov 05, 2009, 13:19
|
That self-aggrandizing delusion may be the single greatest myth in the health care debate. In fact, America’s health care system is worse than Slov—er, oops, more on that later.
clearly kristoff is never been treated in hospital outside of the US.
|
|
| | | 980 | DWetzel at work
ID: 49962710 Thu, Nov 05, 2009, 14:35
|
Nor have you, I'm guessing, which makes your dig all that much more amusing and pointless.
|
|
| | | 981 | Boldwin
ID: 26451820 Thu, Nov 05, 2009, 16:08
|
So many obvious examples of liars figuring in that piece. I'll focus on my favorite. Moreover, there is one American health statistic that is strikingly above average: life expectancy for Americans who have already reached the age of 65. At that point, they can expect to live longer than the average in industrialized countries. Yeah, but the Hastings Center has been working tirelessly for decades to find a cure for that and they are thiiiiis close to succeeding.
|
|
| | | 982 | Perm Dude
ID: 154552311 Thu, Nov 05, 2009, 16:25
|
David Goldhill with an excellent piece on health care that tries to get at the root of the problem. This, I think, is a classic description of what we are facing:
"Indeed, I suspect that our collective search for villains—for someone to blame—has distracted us and our political leaders from addressing the fundamental causes of our nation’s health-care crisis. All of the actors in health care—from doctors to insurers to pharmaceutical companies—work in a heavily regulated, massively subsidized industry full of structural distortions. They all want to serve patients well. But they also all behave rationally in response to the economic incentives those distortions create. Accidentally, but relentlessly, America has built a health-care system with incentives that inexorably generate terrible and perverse results. Incentives that emphasize health care over any other aspect of health and well-being. That emphasize treatment over prevention. That disguise true costs. That favor complexity, and discourage transparent competition based on price or quality. That result in a generational pyramid scheme rather than sustainable financing. And that—most important—remove consumers from our irreplaceable role as the ultimate ensurer of value."
|
|
| | | 983 | boikin
ID: 532592112 Thu, Nov 05, 2009, 17:16
|
Nor have you, I'm guessing, which makes your dig all that much more amusing and pointless.
I guess you know my life story. I guess you can do my postings for me, but before you start, you might want to read up on which hospitals and what procedures i have had done, including those in Europe.
|
|
| | | 984 | biliruben
ID: 461142511 Thu, Nov 05, 2009, 17:40
|
Boldy, old man. If you were confronted with a choice of saving your 8 year old child or his 80 year old great-grandpa, not both, which would you choose?
|
|
| | | 985 | DWetzel
ID: 33337117 Thu, Nov 05, 2009, 18:51
|
"Nor have you, I'm guessing, which makes your dig all that much more amusing and pointless.
I guess you know my life story. I guess you can do my postings for me, but before you start, you might want to read up on which hospitals and what procedures i have had done, including those in Europe."
Once you do the same research on Kristoff (I expect documentation), I'll get right on that. Until then, LOL and GTFO.
|
|
| | | 986 | DWetzel
ID: 33337117 Thu, Nov 05, 2009, 18:52
|
Re: 984: the one that makes the most money, of course!
|
|
| | |
| | | 988 | Boldwin
ID: 26451820 Fri, Nov 06, 2009, 09:34
|
Lol! Bili throws me the lifeboat dilema...OMG! Is that where we are? It's the Donner Party and Bili is breaking out the knives and forks.
|
|
| | | 989 | DWetzel
ID: 278201415 Fri, Nov 06, 2009, 09:55
|
Well, the fair solution would clearly be to save neither one, because I'll be damned if MY tax dollars are going to go to someone else.
|
|
| | | 990 | Perm Dude
ID: 154552311 Fri, Nov 06, 2009, 09:58
|
Wrong! Your response should have been: Are they Republicans? And is a Republican in the White House?
|
|
| | | 991 | DWetzel
ID: 278201415 Fri, Nov 06, 2009, 10:28
|
Ah, but what kind of Republican?
|
|
| | | 992 | boikin
ID: 532592112 Fri, Nov 06, 2009, 15:45
|
Once you do the same research on Kristoff (I expect documentation), I'll get right on that. Until then, LOL and GTFO.
Nice comeback, you win...what can i say to that. I was thinking of writing up some the differences between the European treatment and technology and American on the same procedure, but why wast my time.
|
|
| | | 993 | DWetzel at work
ID: 49962710 Fri, Nov 06, 2009, 15:52
|
Go ahead. I'd be interested.
My one semi-personal experience is that my mother broke her leg falling down the steps of the Colosseum (yes, THAT Colosseum), got patches up in Italy for a fraction of what it would have cost here, and had herself checked out by her doctor here who said they did as good a job as we would have.
Now, clearly, an anecdote like this isn't terribly relevant to the larger question, and I know that. But neither would an anecdote of Kristoff's treatment, or of yours. Which is basically my point.
Then, of course, we have to consider if we're willing to accept treatments that are 99% as effective for 50% of the cost, which is another subject.
|
|
| | | 994 | boikin
ID: 532592112 Fri, Nov 06, 2009, 16:31
|
i have nothing against western european medicine when it comes to effectiveness. i think for the most part they do a good job. well maybe not in spain, but i have no direct experience just horror stories from some friends that lived there.
As for cost i should look that up and see what they charged me in the states, but i think they charged me about the exact same as the swiss hospital did.
The bottom line from what i have experienced is that for the money nothing beats US medicine they have technology in local hospitals that they can only dream about in europe. Is it more effective yes but there are lots of diminishing returns.
On another note, there has been a lot of talk of waste caused by excessive testing. i just came back from presentation on new cancer detection methods using nano-materials. The oncologist talking described how many of current cancer tests have 75% false positive rate and that each positive test leads to series of more tests. While it would be nice to cut waste, but what docter whats to be the one who says well you do have something there but it is to early to tell with out running more tests...lets just wait and see if grows.
|
|
| | | 995 | DWetzel at work
ID: 49962710 Fri, Nov 06, 2009, 16:43
|
More to the point, what patient says "Oh, no, doc, that's okay, I'll not pay the extra to see if I have something that could kill me if I wait to find out."
You could tell them it would cost a billion dollars and 99.9% of the population would take that deal in a heartbeat. Who cares what it costs? IF YOU DON'T DO IT YOU MAY DIE. That's all anyone will see.
|
|
| | | 996 | boikin
ID: 532592112 Fri, Nov 06, 2009, 16:53
|
You could tell them it would cost a billion dollars and 99.9% of the population would take that deal in a heartbeat.
I think you summed up the whole problem. As long as there is another treatment out there and might save there life people are going to want it, no matter the cost. So if you want to cut costs you have to tell people no or stop developing new treatments.
|
|
| | | 997 | DWetzel at work
ID: 49962710 Fri, Nov 06, 2009, 17:42
|
Exactly.
Unfortunately, those are called "death panels" when you want to tell people "no, we're not going to pay for it".
In my ideal world, we'd fully cover the simple stuff (especially preventative care)--not a penny cost to the consumer. Then, if you want the fancier treatments (and I admit there's a large gray area there that I can't fully define and would be the subject of endless abuse), you're on your own (or partially on your own), I'd even be very much in favor of covering more of those treatments if you've gone in for the preventative stuff (remember, it's "free", so the only reason not to should be laziness, assuming the availability is kept decent). Or get a health plan that covers the wackier stuff.
Obviously, it's not free, taxes will pay for it. I'd much rather pay for a hundred checkups out of my tax bills than pay for one emergency triple bypass, though.
|
|
| | | 998 | biliruben
ID: 461142511 Fri, Nov 06, 2009, 18:44
|
I'd even be very much in favor of covering more of those treatments if you've gone in for the preventative stuff (remember, it's "free", so the only reason not to should be laziness, assuming the availability is kept decent).
I have scheduled your colonoscopy for Wednesday.
|
|
| | | 999 | DWetzel
ID: 33337117 Fri, Nov 06, 2009, 19:11
|
Excellent! I'll take the triple-anesthetic knockout and the proctologist named Jasmine, please.
|
|
| | | 1000 | Boldwin
ID: 26451820 Fri, Nov 06, 2009, 19:18
|
While the subject of pernicious pendulums has recently been raised let us not forget these liberals arguing for state controlled medicine were the same liberals who were telling us the government should stay out of medical decisions during the Terri Schiavo murder.
|
|
| | | 1001 | Razor
ID: 571022618 Fri, Nov 06, 2009, 19:23
|
Yes, because they are exactly the same. You'd be hard pressed to come up with a more stretched and ill-fitting analogy.
|
|
| | | 1002 | DWetzel
ID: 33337117 Fri, Nov 06, 2009, 19:23
|
Thanks for your completely unhelpful rejoinder. Now let the grownups try to have a rational discussion.
|
|
| | | 1003 | Perm Dude
ID: 154552311 Fri, Nov 06, 2009, 19:25
|
What liberals were calling for "state controlled medicine?"
|
|
| | | 1004 | DWetzel
ID: 33337117 Fri, Nov 06, 2009, 19:28
|
Would it be uncouth to point out that the same guano-crazy conservative who was calling for the state, the federal government, and every court system between Florida and the St. Lawrence Seaway to get involved in medical decisions now suddenly doesn't think the government should have any involvement in keeping its people healthy?
Would that be a cheap shot to point out that obvious failed attempt at trying to not be a hypocritical punk?
Because I'm going to take it.
|
|
| | | 1005 | Boldwin
ID: 26451820 Fri, Nov 06, 2009, 19:56
|
Well actually nothing has changed. Liberals still feel it their duty to back euthanasia. Must be a death culture thing. I don't get the appeal.
|
|
| | | 1006 | Boldwin
ID: 26451820 Fri, Nov 06, 2009, 19:58
|
Nothing has changed except their excuse.
|
|
| | | 1007 | Perm Dude
ID: 154552311 Fri, Nov 06, 2009, 20:00
|
DW: The Wacky Right is all for personal choice, until you make the wrong one. Then they want to get the government involved because it is then a religious matter.
Got it?
|
|
| | | 1008 | DWetzel
ID: 33337117 Fri, Nov 06, 2009, 20:05
|
Ah, yes, of course. My bad.
Notice how B conveniently avoids the Mack-truck sized hole I pointed out in his, um, "logic" by babbling on with more non-responsive claptrap? Because I did.
Wanna have a conversation, B, or do you just want to toss out insults? I mean, I know the answer, but this isn't the "toss out insults" forum, as much as you would like it to be.
Anyway, back to the grownup conversations I guess.
|
|
| | | 1009 | sarge33rd
ID: 21033619 Fri, Nov 06, 2009, 20:33
|
OK, I'll admit to being confused. How does a Liberals favoring the idea of insuring the uninsured, put them in favor of euthanasia? Logic would seem to dictate that the one who would DENY medical care is the one favoring euthanasia.
|
|
| | | 1010 | DWetzel
ID: 33337117 Fri, Nov 06, 2009, 21:04
|
Logic has no place here. You should know that by now.
|
|
| | |
| | | 1012 | Boldwin
ID: 26451820 Sat, Nov 07, 2009, 21:37
|
Good God, it's so obvious. The Hastings Center is writing the denial of services/euthanazia right into the bill in plain sight. They come right out and brag about their rationalization for letting Granny die. Don't go looking for Hitler's children in Brazil...they're all holed up in the Hastings Center.
|
|
| | |
| | | 1014 | Perm Dude
ID: 154552311 Sat, Nov 07, 2009, 22:32
|
I meant to note that the bill passage would be in the House.
Obama is right to note to those Dems on the fence that the Republicans will be coming after them no matter which way they vote on this, so they might as well do the right thing.
|
|
| | |
| | | 1016 | Tree
ID: 248472317 Sun, Nov 08, 2009, 10:25
|
good for Cao to sticking to his guns, but not letting partisan rhetoric get in the way of passing a necessary bill.
kudos for bringing some common sense from the Right into this issue.
|
|
| | | 1017 | Tree
ID: 248472317 Sun, Nov 08, 2009, 10:30
|
Meanwhile, The Party of No continues to disrupt debate (as they have at every step). Thank goodness this stuff is being taped.
i think if i were in congress, the republicans would have objected to my foot up their ass, where it would have been solidly lodged. what a bunch of asshats.
|
|
| | | 1018 | sarge33rd
ID: 341012817 Sun, Nov 08, 2009, 18:12
|
re 1012:
Oh really Boldy? And care to tell us now what you would post, if $5000,000 tax dollars were used for a heart transplant in a 101 yr old?
or more to the point;
How is having any kind of review board (aka Oversight), a bad thing?
|
|
| | | 1019 | DWetzel
ID: 33337117 Sun, Nov 08, 2009, 18:34
|
sarge, why do you even bother? You know he isn't going to listen to reason.
|
|
| | | 1020 | sarge33rd
ID: 4710698 Mon, Nov 09, 2009, 09:06
|
just in case DW, just in case, one day, a tiny pearl sparks the slightest glimmer of hope.....what can I say, I'm the eternal optimist with pessimistic overtones.
|
|
| | | 1021 | boikin
ID: 532592112 Mon, Nov 09, 2009, 09:50
|
In my ideal world, we'd fully cover the simple stuff (especially preventative care)--not a penny cost to the consumer. Then, if you want the fancier treatments (and I admit there's a large gray area there that I can't fully define and would be the subject of endless abuse), you're on your own (or partially on your own), I'd even be very much in favor of covering more of those treatments if you've gone in for the preventative stuff (remember, it's "free", so the only reason not to should be laziness, assuming the availability is kept decent). Or get a health plan that covers the wackier stuff.
oh man i think i advocated this back in post 50.
|
|
| | | 1022 | DWetzel
ID: 278201415 Mon, Nov 09, 2009, 09:54
|
That is because you are a very very very smart man.
|
|
| | | 1023 | sarge33rd
ID: 4710698 Mon, Nov 09, 2009, 11:28
|
It's been said by quite a few I believe, that the entire crux of the problem with our system; is that it rewards treatment and not prevention. The pharma companies, the Doctors, the Hospitals, the medical equip companies...they dont get rich if we stay healthy. They GET their money, by treating us when we are not. So the whole thing disincentivizes; our maintaining proper weight, our exercising, our doing whatever to get and stay for the most part...healthy.
IMHO, unless and until that very premise is altered; there is no real hope for meaningful 'reform'.
|
|
| | | 1024 | boikin
ID: 532592112 Mon, Nov 09, 2009, 11:39
|
that the entire crux of the problem with our system; is that it rewards treatment and not prevention.
I agree with this but, I am not actually sure that it is true. Insurance companies probably make more money if we live healthy lives because we will be paying for insurance that we rarely use. Think about it this way a care insurance company much prefers a safe driver over an unsafe driver. Secondly healthy living just pushes off health problems it does not necessarily prevent them...think about his if you are over weight and smoke and die at 50 or you are healthy and live to 100 you actually end up spending more than the unhealthy person in the end.
|
|
| | | 1025 | Perm Dude
ID: 154552311 Mon, Nov 09, 2009, 11:45
|
Insurance companies can do pretty well by taking premium money from high-risk patients, then cutting them off at the moment treatment needs to be covered. In fact, that's what many of them are doing right now.
The reason that treatment is rewarded in the system is that treatment is more easily quantifiable.
|
|
| | | 1026 | boikin
ID: 532592112 Mon, Nov 09, 2009, 14:40
|
Insurance companies can do pretty well by taking premium money from high-risk patients, then cutting them off at the moment treatment needs to be covered. In fact, that's what many of them are doing right now.
Is this actually happening? Or is this an exaggeration, like death panels?
|
|
| | | 1027 | DWetzel at work
ID: 49962710 Mon, Nov 09, 2009, 14:41
|
Both.
It's happening, and you can find legitimate horror stories... but it is by itself not "the problem" or anything close to it.
|
|
| | | 1028 | Perm Dude
ID: 154552311 Mon, Nov 09, 2009, 14:57
|
Death panels aren't exaggerations, but are lies.
|
|
| | | 1029 | DWetzel at work
ID: 49962710 Mon, Nov 09, 2009, 15:19
|
Well, the "panels" part is right...sort of...
|
|
| | | 1030 | Bauxman
ID: 40713275 Tue, Nov 10, 2009, 07:02
|
Oh really Boldy? And care to tell us now what you would post, if $5000,000 tax dollars were used for a heart transplant in a 101 yr old?
Being a liberal you should worry about all the "back alley procedures" that will be done if surgeries are denied for seniors.
|
|
| | | 1031 | DWetzel at work
ID: 49962710 Tue, Nov 10, 2009, 12:17
|
That's called "deregulation". I thought it was a good thing.
|
|
| | | 1032 | sarge33rd
ID: 13108118 Wed, Nov 11, 2009, 09:08
|
re 1030...having been banned, and a conservative who adheres to the theory of 'personal repsonsibility'...you should TAKE personal responsibility and bugger off.
|
|
| | | 1033 | Bauxman
ID: 4810531111 Wed, Nov 11, 2009, 12:53
|
Oh no. Big Jimmy Dirks is upset. Maybe if you paid as much attention to your marriage as you do your false lord and savior Obama you would still be married to Katie.
|
|
| | | 1034 | tree on the treo
ID: 287212811 Wed, Nov 11, 2009, 13:08
|
wow....just wow.... I don't know how you live with yourself boxman. you truly are a disgusting waste of life.
could a mod please delete that post for decency's sake, and ban boxman (again) for decency's sake as well?
|
|
| | | 1035 | Guru
ID: 330592710 Wed, Nov 11, 2009, 13:16
|
Let me take a risk here and chime in.
Bauxman - you were banned before, not at all because of your political stance, but only because you were making a habit of slinging personal attacks of the type in post 1033. Those types of attacks are unacceptable.
To the rest of you - the preferred way to deal with someone who behaves in an inappropriate manner is simply to ignore him. When someone makes an inflammatory remark and it evokes a direct response, you are simply "feeding the troll." Please do not reward bad behavior by escalating those exchanges. Someone has to step up and take the high road.
|
|
| | | 1036 | Guru
ID: 330592710 Wed, Nov 11, 2009, 13:18
|
tree[1034] - for now I think is it more instructive to leave post 1033 out there as a clear example of an inappropriate post.
|
|
| | | 1037 | Bauxman
ID: 1910221112 Wed, Nov 11, 2009, 13:22
|
Guru: Do you read the posts by Tree, Sarge, and Seattle Zen? What is your opinion of those?
|
|
| | | 1038 | Guru
ID: 330592710 Wed, Nov 11, 2009, 13:33
|
I do not frequent this forum. I read posts if they are called to my attention. And while I have seen posts by others that are inflammatory, I have not noticed any that crossed the line that you did in 1033.
Regardless, what other people post has no bearing my attitude toward post 1033. If you can cite specific, similar infractions by others, I will take those under advisement and deal with them separately.
I have been asked to generally allow a greater degree of "incivility" in the Politics forum, and have generally abided by that wish. But occasionally a post is so clearly out-of-bounds that I feel compelled to step in.
I'm not saying that you haven't been provoked. But some reactions to those provocations are not to be tolerated.
|
|
| | |
| | |
| | | 1041 | walk
ID: 291046510 Thu, Nov 19, 2009, 12:26
|
NYT, Kristof: The wrong side of history
So, is the current healthcare reform different, in that its passage would lead to the negative consequences predicted by some (okay, by conservatives), or is it really analagous to medicaire and social security -- fears that did not come to fruition? I say fears that won't come to fruition.
And, are private insurance companies not "bureaucrats," too? (like when they hit me with their ridiculously unfounded reasonable and customary deductions for benefits when I use my out-of-network primary care physician!)
|
|
| | | 1042 | boikin
ID: 532592112 Thu, Nov 19, 2009, 15:52
|
I say fears that won't come to fruition.
is this sarcasm? I mean it is not like medicare and social security are not running out of money.
|
|
| | | 1043 | Frick
ID: 9103036 Thu, Nov 19, 2009, 15:57
|
Who exactly is benefiting from the 1 trillion dollars these plans are going to cost?
|
|
| | | 1044 | Perm Dude
ID: 154552311 Thu, Nov 19, 2009, 16:08
|
About 31 million Americans currently without health insurance, of which approximately 10,000 die every year as a result. And taxpayers, who will have a lowered tax burden through the shrinking of the Medicare cost (which is expected to rise to approximately 16% of GDP by 2035 if unchecked).
Also, American businesses, who will benefit from lowered premiums as well as a healthier workforce which saps efficiency, cost, and sick days.
Also, the Democratic Party, for having the courage to do the right thing despite lies, foot dragging, and hysteria from the GOP.
The Catholic Church, who can claim their work extended the Hyde Amendment to ensure that no federal tax dollars are used for any abortions in any federal program (previously, the result of that amendment was pretty much limited to Medicaid recipients).
|
|
| | | 1045 | Tree, in Florida
ID: 248472317 Thu, Nov 19, 2009, 18:12
|
About 31 million Americans currently without health insurance...
i am likely about to become one of them. The government subsidy i received as part of the stimulus package that dropped my COBRA from the high 400s to the mid 100s has now ended.
i may be able to afford some sort of "catastrophic" insurance now that i'm relocating to place with cheaper rents, where i'll pay a semi-low premium and get a plan with an insane deductible and no real doctor visits, just something i have in case of some sort of life-altering accident or disease...
sucks that there are people out there fighting insurance coverage for all americans.
|
|
| | | 1046 | Perm Dude
ID: 154552311 Thu, Nov 19, 2009, 18:32
|
I meant to note that the $1 trillion (give or take) is pretty much expected to be paid entirely by premiums of those who sign up. There is no "cost" in terms of tax dollars being paid to fund the program.
|
|
| | | 1047 | walk
ID: 291046510 Fri, Nov 20, 2009, 10:07
|
Frick, "who is likely to benefit from these programs?" I don't think the healthcare reform is for nothing...as PD says, it's to provide insurance to those who do not have it, and to reduce the likelihood that those who do have it, do not lose it when they get really (really) sick (which happens all too often). I think it's also to keep the private insurance companies, the real bureaucrats, from continuously driving up their costs, while providing less and less coverage. They are for-profit entities, which, IMO, makes zero sense...making $ on health...Does. Not. Compute).
I have great insurance from my private employer. I am not sure if it is a "cadillac plan" that will result in extra taxes I will have to pay as a result of healthcare reform, but I think it very well may be. I am OK with this -- if I have to pay more $ to help thousands others not die due to having no insurance (such as Tree), that seems like an okay thing to do.
As Kristoff points out, a lot more folks die as a result of not having insurance than from the wars we are fighting...it seems ludicrous that we spend gobs of money fighting winless wars, but are unwilling to spend, at the worst, the same amount, and at the best, very little, if the GAO is correct in its estimates, to keep our own citizens alive. Where are the real death panels?
|
|
| | | 1048 | biliruben
ID: 16105237 Fri, Nov 20, 2009, 10:13
|
Precisely. As I said about a thousand posts ago, we have created a healthcare system where the incentive is to charge the most and provide the least care possible.
That makes no sense, and, since we live in a crazy country that thinks corporations are universally good and government is universally bad, we can't simply burn the health insurers down, which is what we should do. So we have to do this "incrementally", to try to fix a completely broken system.
Personally, I view this as trying to turn a burning tank into an ambulance, but if that's the best we can do...
|
|
| | |
| | | 1050 | Tree, in Florida
ID: 248472317 Fri, Nov 20, 2009, 17:29
|
an example of someone falling through the cracks of our insurance system.
full disclosure - i know this person, as he is a fellow wrestling fan. i am not posting this here to solicit donations, but just as another example of how our country is failing its own citizens.
John Wiswell Surgery
|
|
| | | 1051 | Bauxman
ID: 2110171217 Fri, Nov 20, 2009, 18:27
|
sucks that there are people out there fighting insurance coverage for all americans.
Explain why healthcare is something the goverment must provide and why it is an entitlement.
|
|
| | | 1052 | Perm Dude
ID: 154552311 Fri, Nov 20, 2009, 18:41
|
Because everyone pays for it, regardless of whether they have insurance.
|
|
| | | 1053 | Perm Dude
ID: 154552311 Fri, Nov 20, 2009, 18:44
|
Also, there is no bill out there which says the government will provide healthcare, nor one that says it is an entitlement.
The bills currently under consideration provides access to health insurance, and offers incentives to purchase insurance, tax breaks for small business to provide insurance for their employees, and requires insurance companies to do certain things with regard to the policies they provide.
|
|
| | | 1054 | sarge33rd
ID: 101022018 Fri, Nov 20, 2009, 19:02
|
Baux...explain why you are opposed to the govt ensuring that health care is available to all?
|
|
| | | 1055 | Bauxman
ID: 2110171217 Fri, Nov 20, 2009, 19:48
|
Because everyone pays for it, regardless of whether they have insurance.
Everyone pays for thievery at retail stores by increased prices. Does this mean the government can take that over too?
|
|
| | | 1056 | Texas Flood
ID: 7101698 Fri, Nov 20, 2009, 20:18
|
Sarge, I'm not uncomfortable with a well thought health care plan and a plan to pay for it. What I am not in favor of is having something jammed up my ass and taking the governments word that it will be good for all Americans.
I'm not even sure that the politicians know what they're voting on. The problem is that this issue has become political and its about right vs left rather than what's best for you and me.
I've retired once, and came back to work because I got tired of paying for my own health insurance. I'm currently working for $10.75 per hour but my health insurance is 100% paid. I'm very lucky and realize that all americans should have coverage.
I don't agree that it should be free, unless someone is disabled and people who are in our country without proper documentation should also be excluded unless its an extreme emergency.
I think think we need to move in a slower more purposeful and come up with a solid plan which is good for every one. Perhaps we should have the private sector create the plan and leave big government on the sidelines?
|
|
| | | 1057 | Tree, in Florida
ID: 248472317 Fri, Nov 20, 2009, 20:37
|
people who are in our country without proper documentation should also be excluded
there is nothing in the current healthcare bill that will provide insurance to non-citizens.
Perhaps we should have the private sector create the plan
they already did...and it sucks.
|
|
| | | 1058 | Perm Dude
ID: 154552311 Fri, Nov 20, 2009, 20:38
|
Perhaps we should have the private sector create the plan and leave big government on the sidelines?
Well, it should be noted that the plans that would be purchased (should the current bill pass) are all private insurance plans. Every one. The government will not actually be insuring anyone, nor would they be running the health care itself. Some people are more interested in muddying the waters by intentionally mischaracterizing what is being proposed. B-man, for example, doesn't seem to care what the plan is--he's going to talk about "government takeover" because those talking points are easier to make than learning about what is being proposed and entering the debate as a participant in the thing.
I'm currently working for $10.75 per hour but my health insurance is 100% paid.
Good for you. Having health insurance, especially when you are out of your 20's or so, is incredibly important. I'd probably do the same thing you did.
|
|
| | | 1059 | J-Bar
ID: 410522021 Fri, Nov 20, 2009, 23:23
|
Still am unsure why sarge is so in favor of government run healthcare when he cursed his insurance through the VA because he waited most of the day to be seen.
Tree, if this man has had all these medical problems and hasn't worked since 93 and he still has savings then that was one hell of a savings account which kept him from being eligible for govt assistance and should have. Not disparaging your friend just an observation. But this horrible system that we currently have has him scheduled for 11/20 do we know that he would be able to get that surgery scheduled as fast under the new system. Canada - Gall Bladder surgery: 1,552 patients waiting, average wait time more than 3 months
|
|
| | | 1060 | Tree, in Florida
ID: 248472317 Sat, Nov 21, 2009, 01:03
|
Tree, if this man has had all these medical problems and hasn't worked since 93 and he still has savings then that was one hell of a savings account which kept him from being eligible for govt assistance and should have.
knowing this guy, i seriously doubt his savings is significance. he probably gets welfare and social security, and instead of spending it foolishly like some on government assistance do, he scrimps and saves, because he knows he has these health issues.
But this horrible system that we currently have has him scheduled for 11/20 do we know that he would be able to get that surgery scheduled as fast under the new system. Canada - Gall Bladder surgery: 1,552 patients waiting, average wait time more than 3 months.
it's not all about time. it's about things like money. i'm sure if the doctors said "well, if you wait 2 more months, you won't be bankrupted," he'd go ahead and wait. i know i would.
and not trying to dispute your information on the average wait time in Canada for Gall Bladder surgery, but could you please provide a link to your information? i'd be curious to see it.
|
|
| | | 1061 | Perm Dude
ID: 438132822 Sat, Nov 21, 2009, 01:11
|
Canada - Gall Bladder surgery: 1,552 patients waiting, average wait time more than 3 months.
Isn't a better measurement whether, in fact, Canadians enjoy better health? Instead of cherry-picking context-free numbers, keep your eyes on the prize: What is the goal here?
|
|
| | | 1062 | J-Bar
ID: 410522021 Sat, Nov 21, 2009, 01:53
|
wait list
has a link in the article also
|
|
| | | 1063 | Bauxman
ID: 2110171217 Sat, Nov 21, 2009, 06:01
|
Isn't a better measurement whether....
The better measurement is whether the government should be doing this at all.
|
|
| | | 1064 | DWetzel
ID: 33337117 Sat, Nov 21, 2009, 08:02
|
I wonder (with absolutely no evidence to back this up, nor the desire to research it) if part of the difference in wait times comes from the underlying problems being caught earlier due to more frequent/routine preventative care. If I start having kidney problems in January, go in for treatment in February in Canada, realize I need a transplant, and get put on a waiting list and get a transplant in June, I'd consider that a vastly better outcome than having problems in January, waiting until July for disastrous symptoms, go into the hospital for two weeks and get an emergency life-saving kidney transplant in August. that probably costs twice as much once you count the critical care.
But I'd have "waited 4 months for a kidney transplant!" in the first case, and only two weeks in the second.
|
|
| | | 1065 | DWetzel
ID: 33337117 Sat, Nov 21, 2009, 08:09
|
Reasons a government should get involved in health care:
1. Because it would lead to better overall health for its citizens for the same cost as private care, for the same cost. Healthier citizens would, in general, lead to a more productive country.
2. Because it would lead to a more efficient distribution of health care, eliminating cost inefficiencies (read: more middlemen) currently present in the marketplace.
3. Because private enterprise is, by its very nature, not particularly interested in the health of the citizenry, except as that affects the bottom line of the private enterprise.
Note: I'm not at all sure that the current health care bill actually accomplishes either of those things. But those would be valid reasons.
Please don't treat health care like some random commodity like lampshades or forks. I mean, if you want to, you can, but it's a really short-sighted idea.
|
|
| | | 1066 | Texas Flood
ID: 7101698 Sat, Nov 21, 2009, 08:50
|
We provide health care to non citizens every day. It's the Law. This bill changes none of that to my knowledge.
My health care system works just fine, but I have to work in order to receive the benefit. As it should be!
I don't need more government involvement in my life.
Wetzel, I live in Northern Michigan. We have one of the finest medical centers in the country. I know many people who work there in many different capacities. There's a constant flow of Canadian patients coming here paying out of pocket, for services they don't receive at home in a timely manner.
|
|
| | | 1067 | Bauxman
ID: 2110171217 Sat, Nov 21, 2009, 08:56
|
Those assumptions are so broad and vast that it isn't worth responding.
Healthy people are more productive? Get the fvck out of here!
Because private enterprise is, by its very nature, not particularly interested in the health of the citizenry, except as that affects the bottom line of the private enterprise.
Lies.
Because it would lead to a more efficient distribution of health care
Let me know right now if you believe government is more efficient than the private sector before I waste time continuing this discussion with a mad man.
We all know how well the government has managed everything else. What with the 12 trillion deficit, the REAL deficit of 55 trillion, and the complete and utter incompetence in filling potholes let alone filling prescriptions.
It is laughably arrogant and stupid that liberals think its bad to have an insurance person "in between the patient and doctor" but perfectly acceptable to have some bureucrat in the same position. In the same way the fat black woman at the airport with the 56 inch waist at the security line doesn't scare terrorists, a government official isn't going to do a damn thing about healthcare.
Please don't treat health care like some random commodity like lampshades or forks. I mean, if you want to, you can, but it's a really short-sighted idea.
Shall we as a society pay for ALL of the unfortunate occurances that go on in one's life?
|
|
| | | 1068 | sarge33rd
ID: 61034218 Sat, Nov 21, 2009, 09:34
|
TF: I'm glad you work for a company that provides the health care. In the auto biz, there are none I know of who do that. I worked 65-90 hrs/wk and my premiums were in the 250-350/m range depending on the particular dealer I worked for and if I wanted to insure my spouse? Add another $700/m to that. And that experience is not unique to the auto industry. I've also worked food service on the management side, retail management, and a plethora of other jobs. The ONLY job I ever held, where health care was provided, was the military.
Obscenely few employers provide more for their employees, than is required. And much of that, is provided grudgingly.
Because private enterprise is, by its very nature, not particularly interested in the health of the citizenry, except as that affects the bottom line of the private enterprise.
Lies.
You are certifiably insane. Countless new stories have been aired re an insurance company denying claims and then canceling the insureds coverage. A former sister-in-law is an atty in the claims division of a major insurance company. Her job? To convince claimants to settle for smaller amounts. THAT IS HER FRIGGIN JOB DESCRIPTION.
The private sector? The same folks that brought us Enron, Tyco, B Madoff, et al? I think when it comes to the very health of the social structure which comprises a nation, it becomes a matter of infrastructure (human infrastructure) that health care be available.
|
|
| | | 1069 | Texas Flood
ID: 7101698 Sat, Nov 21, 2009, 09:41
|
Sarge, not saying that there shouldn't be a health plan for all, but not this one, and not at this price. It's just a power play by the current administration. They are systematically trying to force more government into out lives. I don't know why that is so difficult for people to see.
|
|
| | | 1070 | Tree, in Florida
ID: 248472317 Sat, Nov 21, 2009, 10:35
|
We provide health care to non citizens every day. It's the Law. This bill changes none of that to my knowledge.
from a human compassion point? yes.
from a requirement point? no.
let me ask you this - would you feel good about yourself denying necessary health care to someone based strictly on whether they are a legal citizen of the U.S. or not?
i for one, could not live with myself, knowing someone died because i felt a doctor should not take care of them.
what about you?
Lies.
You are certifiably insane.
Sarge - it's not even worth it. i'm finding it more satisfying to respond to guys like Texas Flood, who seem to respond with a level of sensibility (whether i agree with their opinions or not)...
|
|
| | | 1071 | Perm Dude
ID: 438132822 Sat, Nov 21, 2009, 10:37
|
Because many of us don't see it that way at all. If anything, government is forcing health insurance into our lives, not government itself.
|
|
| | | 1072 | Bauxman
ID: 2110171217 Sat, Nov 21, 2009, 10:51
|
You make choices as a consumer that impact your health later in life. Smoking, drinking, McDonalds, motorcycles.........
Perhaps some preventative care on your part as a citizen would be beneficial if you cannot find a job that pays health insurance.
I worked 65-90 hrs/wk and my premiums were in the 250-350/m range depending on the particular dealer I worked for and if I wanted to insure my spouse? Add another $700/m to that.
You want a hankie or an Emmy or something?
I work 60 hours per week on two jobs. There's my career which I enjoy and then I trade stocks on nights and weekends because I friggin' LOVE it. My wife works 60 hours per week with her career and at nights to get her doctorate. We spend real time with each other 1 hour day (at dinner) and then the weekends.
So guess what? I don't like paying $3 for gas and $60 for videogames so I want the gov't to nationalize Microsoft and Exxon Mobil because I don't want some Gamestop zithead in between me and my videogame decision or Waheed at the gas station in between me and my fill-up. I also don't like paying for groceries every week. I think food prices are too high. I want the gov't to nationalize the entire food supply chain of the United States.
Oh yeah, I took my wife and kid to the Shedd Aquarium one time and the day was well over $100 to get frustrated in Chicago traffic (thank God we didn't get the Olympics), and dodge fat women with their fat kids. So I want the gov't to nationalize everything in that day that I felt was too expensive, this includes all the company's that sold goods at the gift shop and the cafeteria with $3 bottled water.
Countless new stories have been aired re an insurance company denying claims and then canceling the insureds coverage. A former sister-in-law is an atty in the claims division of a major insurance company. Her job? To convince claimants to settle for smaller amounts.
Is it illegal to do that? If not, then change the law. Don't basically nationalize 16% of the economy and make me pay for your health insurance in some gov't plan.
The free market has been handicapped by half assed gov't measures designed to placate unions, lobbyists and of their own stupidity. Let people choose a la carte health plans, allow any health insurer to compete in any state. It's the same scam the gov't run on the utilities and the cable industry until DirectTV had to put a satellite into space to fix that problem. Change the corporate tax code to give massive tax cuts to employers who offer health insurance. Increase the maximum allowable contributions to pre-tax health spending accounts. God forbid Obama should focus on creating jobs; yet another wonderful way to get health insurance benefits, become employed.
|
|
| | | 1073 | Perm Dude
ID: 438132822 Sat, Nov 21, 2009, 11:07
|
The government wouldn't have to be involved at all if the free market actually provided the services that are required.
Some of your proposals are actually on the books or are in the current health insurance bill. Small businesses (who already get tax breaks for employee benefits like health insurance) would get much larger tax incentives. HSA's already have increases in the contribution limits--though there are some good reasons why they are limited, and HSA's are not good vehicles for preventative care.
|
|
| | | 1074 | Tree, in Florida
ID: 248472317 Sat, Nov 21, 2009, 11:10
|
You make choices as a consumer that impact your health later in life. Smoking, drinking, McDonalds, motorcycles.........
and there are also plenty of things that impact your health in which you have no say, from genetics to accidents.
So I want the gov't to nationalize everything...
comparing health insurance (upgrades in health care over the last 100 years have nearly DOUBLED our average life span) to things like gas prices or trips to the aquarium is just so beyond irrelevant, bringing them up as a point to back up an argument shows a lack of even the simplest grasp of this topic.
yet another wonderful way to get health insurance benefits, become employed.
are you going to hire me? i've been out of work for over a year now. i'm about to lose my COBRA, simply because i can no longer afford it. I've send out several hundred resumes over the last 12 months - the interviews i got can be counted on 2 hands.
i would love to have a job. i would love to have insurance.
|
|
| | | 1075 | Texas Flood
ID: 7101698 Sat, Nov 21, 2009, 11:18
|
Perm, but its just one more aspect of our lives they have control over.
Tree, treat them here on an emergency basis, if they can pay, bill em. If they require further care require that they become legal if possible. If they refuse citizenship send em home.
I have no problem with anyone becoming a legal citizen of our country. One of the joys of our country is the wide diversity that many different cultures bring.
If we were all Anglo Saxon Christians life would be pretty boring.
|
|
| | | 1076 | Perm Dude
ID: 438132822 Sat, Nov 21, 2009, 11:28
|
TF: It isn't "control" really. At least, not in the sense of the other things that I think you mean (IRS, etc). This is more like the government agreeing to build an interstate highway system.
I know you don't bring it up specifically, but I should also add that there is no bureaucrat like a health insurance company bureaucrat. Government bureaucrats pale in comparison with an insurance stooge, who has all the cards: your health in his hands, a confusing system, and an incentive not to help you.
|
|
| | | 1077 | Pancho Villa
ID: 381047158 Sat, Nov 21, 2009, 11:41
|
We provide health care to non citizens every day. It's the Law.
Let's clarify that statement. It's the law that a hospital emergency room must accept all who come through their doors.
This isn't necessarily health care. Many emergency rooms provide the bare minimum and charge exorbitant prices. It's not like a non citizen with cancer goes to an emergency room for treatment. It's unfortunate that many citizens and non citizens abuse the emergency room law in an attempt to actually get health care, but overall it's a futile attempt. If you go to an emergency room for a headache, they'll give you some Tylenol and send you on your way with a $1,000 bill for services. They're not going to run a bunch of tests or try to determine the cause of the headaches. That would be health care.
|
|
| | | 1078 | Tree, in Florida
ID: 248472317 Sat, Nov 21, 2009, 11:44
|
Tree, treat them here on an emergency basis, if they can pay, bill em.
i'm pretty sure that's how it goes for anyone going to the hospital for no insurance, citizen or not.
If they require further care require that they become legal if possible. If they refuse citizenship send em home.
do you really think it's that simple? people who aren't citizens, generally speaking, aren't refusing citizenship - rather, they red tape involved makes it very difficult for everyone who wants to be a citizen, to become a citizen.
i think if you were to offer every illegal who received medical care citizenship, they'd LEAP at the opportunity. in fact, you'd probably have a really ugly situation on your hands with people intentionally hurting themselves to become citizens.
|
|
| | | 1079 | Perm Dude
ID: 438132822 Sat, Nov 21, 2009, 11:57
|
i think if you were to offer every illegal who received medical care citizenship, they'd LEAP at the opportunity
Absolutely. These people would love to be citizens.
|
|
| | | 1080 | J-Bar
ID: 410522021 Sat, Nov 21, 2009, 12:07
|
PV - the cost of the emergency room visit for a headache is irrelevant because the medicaid program that covers emergency treatment for non citizens has to have documentation of an actual emergency situation completed and signed by the Dr. The exorbitant amounts seem to me to be more for the write-off than the expectation of payment. That is why after having your bill audited (2or 3 times if needed) it usually goes down by 60%. Is there anyone here that has actually paid full original bill price for an emergency room visit?
off to change oil and brake job, can't afford to have it done and auto insurance doesn't cover it nor should it. Unsure why 300-400 per year for Dr. checkups has be included as a right.
|
|
| | | 1081 | Tree, in Florida
ID: 248472317 Sat, Nov 21, 2009, 12:13
|
off to change oil and brake job, can't afford to have it done and auto insurance doesn't cover it nor should it. Unsure why 300-400 per year for Dr. checkups has be included as a right.
a world of difference between a car (the ownership of which, is a priviledge) and personal health (which should be a right).
you don't need a car to survive. you do need your health.
|
|
| | | 1082 | Perm Dude
ID: 438132822 Sat, Nov 21, 2009, 12:24
|
Preventative care for your car. Good for you. Now imagine you had to change the engine, and all the engine changing needed to be done by a cabal of faceless bureaucrats who make more money the more they deny payment to you to cover the engine change you've been paying premiums on for years...
|
|
| | | 1083 | Bauxman
ID: 2110171217 Sat, Nov 21, 2009, 13:08
|
The government wouldn't have to be involved at all if the free market actually provided the services that are required.
Define "services that are required".
If the government weren't involved at all the free market would provide better solutions. The gov't is failing to create a highly competitive pro-consumer environment.
and there are also plenty of things that impact your health in which you have no say, from genetics to accidents.
What's your point? You want the government to make auto accidents, plane crashes, and death illegal?
comparing health insurance (upgrades in health care over the last 100 years have nearly DOUBLED our average life span) to things like gas prices or trips to the aquarium is just so beyond irrelevant
What happens to pharmaceutical and medical technology innovation on the day the government seizes that industry and squeezes out the profits? Profits are what has made the high cost of pharma R&D possible that has led to breakthrough and medical equipment. If anything, the government must ensure that corporations are profitable as possible and have ample R&D incentives to continue doubling the life span of the human race. Those profits also allow companies to offer benefits like health insurance.
are you going to hire me? i've been out of work for over a year now. i'm about to lose my COBRA, simply because i can no longer afford it. I've send out several hundred resumes over the last 12 months - the interviews i got can be counted on 2 hands.
Weren't you the one who started a thread about how to game the system so you really want me to feel sorry for you?
Be that as it may, I would never wish unemployment on anyone including you, especially in an economy run by a bunch of radical left wing, anti-growth, anti-employment, anti-business buffoons that read Pravda on the shitter.
Preventative care for your car. Good for you. Now imagine you had to change the engine, and all the engine changing needed to be done by a cabal of faceless bureaucrats who make more money the more they deny payment to you to cover the engine change you've been paying premiums on for years...
So you've never been to Firestone....
You know why he doesn't have to change the engine? Because he takes care of the car. He'll never have to worry about the bureaucrat.
|
|
| | | 1084 | Tree, in Florida
ID: 248472317 Sat, Nov 21, 2009, 13:34
|
Weren't you the one who started a thread about how to game the system so you really want me to feel sorry for you?
nope. never asked for pity. definitely don't want pity from someone like you.
i do, however, ask that you read. never did i start a thread about "gaming the system". rather, it was lamenting that i made more money on unemployment than the position offered.
especially in an economy run by a bunch of radical left wing, anti-growth, anti-employment, anti-business buffoons that read Pravda on the sh!tter.
you things like this, and all credibility is shot. especially considering this downward economy began under the watch of Bush, Cheney, Rove, etc etc. guess they're leftists to you now.
and there are also plenty of things that impact your health in which you have no say, from genetics to accidents.
What's your point? You want the government to make auto accidents, plane crashes, and death illegal?
that thing going over your head? that's the point - reach up, and you might be able to grasp it.
never said anything of the sort. rather, there is more to one's health than just "individual choices." i commented on your statement, nothing more.
you, chose to go in a totally unrelated direction.
|
|
| | | 1085 | Perm Dude
ID: 438132822 Sat, Nov 21, 2009, 13:56
|
If the government weren't involved at all the free market would provide better solutions.
To this problem? Not at all. This is wishful thinking of the worst kind. Do you really think that if government didn't regulate insurance companies that the companies would willingly do what is being asked in this bill? There is no barrier to insurance companies doing any of the things being asked in the bill, but they have not done so, because it isn't in their best interest.
Anyone who doesn't think that companies in a free market only act in their own best interest doesn't understand the free market.
|
|
| | | 1086 | sarge33rd
ID: 910472114 Sat, Nov 21, 2009, 15:47
|
Corporations, in the absence of regulations mandating otherwise, answer ONLY to their stockholders and the bottom line. I really didn't think that was in dispute in anyone's mind. Yes, there are a select few entities who practice a different, somewhat more humanistic approach to their business conduct. But we all know for a fact, that those companies are few and far between, as well as being the exception and not the rule.
|
|
| | | 1087 | Bauxman
ID: 2110171217 Sat, Nov 21, 2009, 16:26
|
Corporations are given monopolistic powers in this area by the government. The free market does not really exist in the arena of health insurance and if it did you would see vast improvements.
At my employer I have one company from which I can purchase health insurance from, BCBS. Same with my wife, BCBS. I don't know anybody who has the free market choice at their employer between BCBS, Aetna, United Healthcare, etc. It's a Soviet election.
Our employers cannot look to out of state providers for some governMENTAL reason. Why not? Because they are bought and sold by the lobbyists probably.
No wonder the system is broken. There is no free market incentive to improve. The government needs to create a cutthroat free market competitive environment no different than other industries to let these guys have it at and fight for customers and then give employers or taxpayers relief towards the purchasing of the insurance.
|
|
| | | 1088 | Bauxman
ID: 2110171217 Sat, Nov 21, 2009, 17:08
|
Wanted to add this.
Any of you guys remember cable TV before the dish came out? How was your service? Mine sucked. I had 30 channels, it was expensive, and the service was iffy at best. My choices were cable TV from one provider or the good old rabbit ears with no cable.
Now I can choose between land line cable and two dish providers or if I really want there's internet services like hulu if I want to get psycho.
As it stands today even though I have a lower rung cable package there's still 100s of channels, dozens of them in high def, my cable box now records 2 shows at once, and my bill is the same price I paid when I got married, maybe $5 higher. My bang for the buck went sky high and I fully attribute that to the competitive nature of the free market. Not even the government supported monopoly Illinois gave Comcast could save them because DirectTV came in there with a satellite dish and wreaked havoc in the market.
The government needs to let the free market run wild in this area but they are too beholden to lobbyists.
|
|
| | | 1089 | Razor
ID: 571022618 Sat, Nov 21, 2009, 18:36
|
Wow, seriously? First, there weren't even that many channels 20 years ago, so having 30 channels WAS getting everything. Second, technology evolves, with or without competition. It's dubious at best to say that cable would not have added more channels and feature without competition from Dish and the Internet.
|
|
| | | 1090 | DWetzel
ID: 33337117 Sun, Nov 22, 2009, 00:17
|
Yes, let's compare getting care that involves you not dying to cable TV. That will greatly advance the argument.
And yes, I obviously believe that government should solve every single problem for everyone ever, simply because I believe that the current health care system is woefully inadequate.
Thanks for at least not just swearing at me, I guess that's an improvement, but it's not much of an argument.
|
|
| | | 1091 | sarge33rd
ID: 531019228 Sun, Nov 22, 2009, 09:19
|
Employers, with few exceptions, shop for the CHEAPEST group plans they can find. Not the "best" or most comprehensive in coverage. I know, I sold grp insurance along with individual policies for more than a few years.
The state by state thing, I believe (though I could be mistaken), is primarily due to the different laws in each state re the policy contracts/wording/reserve requirements/loss ratios etc etc. I am not so sure, this is a federal thing, so much as a state thing.
Free market solutions? Yep, the free market has made winblows a very solid, reliable, trouble free operating system with robust capabilities....right? The 'free market', is a misnomer. The market, is anything BUT free.
|
|
| | | 1092 | DWetzel
ID: 33337117 Sun, Nov 22, 2009, 11:43
|
Also, free market solutions work terribly in situations where due to resource limitations or time restrictions, there is no ability to effectively exercise the free market. It does you no good to know that the hospital three towns over is having a 40% off sale on emergency triple bypass surgery (with coupon).
|
|
| | | 1093 | sarge33rd
ID: 3110162211 Sun, Nov 22, 2009, 12:16
|
and that fact DW is probably THE single strongest argument against leaving it to the 'free market'. You're absolutely right. When that ambulance is called; it's get the patient to the NEAREST facility, not the one with the best "price value".
|
|
| | | 1094 | Perm Dude
ID: 438132822 Sun, Nov 22, 2009, 15:15
|
There are few industries which demonstrate the failure of free market forces as much as health care insurance. To declare that the solution lies in less government oversight really doesn't seem to show an understanding for the field.
This doesn't mean to say that "competition" isn't the answer in other fields (or, at least, more competition is a good thing in many ways in other fields). The history of this field has shown that the free market encourages barriers to entry and fewer companies offering fewer options for consumers (because it isn't in their best interests to do so).
Costs are leaving fewer employees offering health insurance, a fact which I challenge the "free marketers" with. Why should we get our health care through our jobs? And, in a free market, what would happen when employers start dropping plans en masse?
We have health insurance through our employee plans thanks to unions, who required it in contracts for jobs in which health was often impacted by your work (heavy industry, mining, etc). Is that the way we should continue?
|
|
| | | 1095 | Bauxman
ID: 2110171217 Sun, Nov 22, 2009, 16:25
|
and that fact DW is probably THE single strongest argument against leaving it to the 'free market'. You're absolutely right. When that ambulance is called; it's get the patient to the NEAREST facility, not the one with the best "price value".
True and that's why you introduce the free market concept at the point of purchasing the insurance by giving consumers and employers choices when they buy it. Then for non-emergecy services that's where the pricing discounts could come into play.
There are few industries which demonstrate the failure of free market forces as much as health care insurance. To declare that the solution lies in less government oversight really doesn't seem to show an understanding for the field.
The first sentence is true and the second sentence just shows you're an a$$hole and that YOU are the one that has no economic understanding. Are you even in business Perm Dude? What do you do for a living? I work with businesses everyday including deal negotiation. I know what makes them tick.
I've been saying for the past two days that the free market has NOT been allowed to participate in health insurance because of idiotic government rules. Go back and read and get a clue before you melee mouth off.
|
|
| | | 1096 | Astade
ID: 38542218 Sun, Nov 22, 2009, 19:09
|
What an angry person.... He's probably into the Teabag-thing too!
|
|
| | | 1097 | Perm Dude
ID: 438132822 Sun, Nov 22, 2009, 23:34
|
Pretty pissed off. Clearly so much so he forgets to research the things he's posting about. Oops.
|
|
| | | 1098 | sarge33rd
ID: 541055236 Mon, Nov 23, 2009, 07:55
|
Then Baux, you admit that the provider of health care, is not efficiently driven by free market forces. So how then, could the insurance (which pays those fees) be efficiently driven in such a way? The fees are monopolistically driven/set. That means the predictable costs of the insurance, are artificially inflated and THAT means the cost to the consumer is artificially inflated.
Then too, as I said above, insurance companies employee entire batteries of lawyers whose SOLE JOB; is to get the claimant to settle for "less".
Insurance is purchased, with the hopes of not needing it or ever using it. Name another product wherein that holds true?
|
|
| | | 1099 | Frick
ID: 9103036 Mon, Nov 23, 2009, 09:08
|
Re: 1098
A coffin?
A decent comparison can be made between cable/utilities and healthcare. Utilities were given monopoly powers long ago, they also committed to a window for their profit margins. They also agreed that they would provide service to everyone, companies couldn't cherry pick dense urban areas, they had to take entire areas and provide service to all homes.
Cable companies on the other hand were never given those powers or promises and there are many areas of the country that still don't have access to cable. The house that I grew up doesn't have cable and is 3 miles outside of town. It was never economically feasible for cable, but it does have water, power and natural gas.
Insurance companies are the same, they get to cherry pick only the customers they want and have no limits on their profits, they also have no limits on their potential losses. Utilities on the other hand (pre-deregulation) were allowed to raise rates until they were profitable.
Most other countries have gone for the utility company version of healthcare. Despite anecdotal tales to the side, the US is barely in the top-50 in estimated life expectancy. So, I think their models are feasible.
|
|
| | | 1100 | sarge33rd
ID: 51010238 Mon, Nov 23, 2009, 09:10
|
Nope. A coffin you know you will use. You just hope you dont use it right away. ;)
|
|
| | | 1101 | Bauxman
ID: 561002312 Mon, Nov 23, 2009, 13:00
|
Then Baux, you admit that the provider of health care, is not efficiently driven by free market forces.
You have it backwards. The government does not permit the free market to operate to its full potential in health care, just like the electric and nat gas utilities and cable TV a decade ago.
You cannot say, "THIS IS YOUR INSURANCE PROVIDER! SO LET IT BE WRITTEN SO LET IT BE DONE!" and then claim the free market has failed when government regs permit this to happen. The free market is hampered by government regs that allow monopolistic instances to occur. The government killed the free market concept before it came to fruition.
Get rid of the monopolies. Get rid of the anti-competitive regulations to create a competitive environment.
Insurance is purchased, with the hopes of not needing it or ever using it. Name another product wherein that holds true?
What is your point with this first sentence? I will answer the trivia question though. My guard dog and a gun.
|
|
| | | 1102 | CanadianHack
ID: 5910412312 Mon, Nov 23, 2009, 13:42
|
Sarge33rd: Insurance is purchased, with the hopes of not needing it or ever using it. Name another product wherein that holds true?
Bauxman: What is your point with this first sentence? I will answer the trivia question though. My guard dog and a gun.
Me: A guard dog is used for guarding stuff. You don't buy a guard dog and hope it never guards anything.
A gun is used for shooting. People buy them and use them in hunting, firing at targets etc. If you were to buy a gun and hope you will never shoot it, you are wasting your money. You need to learn to shoot it for it to be of any use for you in any circumstance.
This is an example of the sloppy/lazy thinking that Bauxman consistently demonstrates. Until he can see that his answers here are totally wrong and learn how to come up with correct answers, he has nop hope of getting things right on the broader and more complex issures of the day.
|
|
| | | 1103 | Perm Dude
ID: 154552311 Mon, Nov 23, 2009, 13:58
|
Insurance is purchased, with the hopes of not needing it or ever using it. Name another product wherein that holds true?
The salaries of firemen? Of course, that is another form of insurance.
B-man doesn't understand what is being proposed. That's why his over-the-top responses are so crazy. What is happening is like if you belonged to a credit union, who used the power of their membership to invite different insurance copies to offer plans to the members (provided several conditions are followed, such as portability, no denial for pre-existing conditions, and so on). B-man would decry the credit union for "taking over healthcare."
|
|
| | | 1104 | bibA
ID: 3510191216 Mon, Nov 23, 2009, 15:00
|
Hack - You may be making your argument for arguments sake. Just as one would hope to only use his guard dog or gun if they were needed, they also only use their insurance when it is needed, no? In both cases, the user would desire to have the best product.
|
|
| | | 1105 | Astade
ID: 38542218 Mon, Nov 23, 2009, 16:43
|
Bauxman, just because you stayed at a Holiday Inn Express last night doesn't mean you understand medical insurance. Stop living a commercial.
|
|
| | | 1106 | Bauxman
ID: 2110171217 Mon, Nov 23, 2009, 18:28
|
bibA saved me a response.
|
|
| | | 1107 | CanadianHack
ID: 5910412312 Mon, Nov 23, 2009, 18:34
|
Bauxman
You actually think it makes sense to buy a guard dog and hope that it never guards anything?
|
|
| | | 1108 | Bauxman
ID: 2110171217 Mon, Nov 23, 2009, 18:39
|
It makes sense to buy a guard dog hoping it never mauls anyone because they don't come onto the property uninvited. I own a dog like that and nothing would make me happier than for her to remain the working and house dog that she is around us.
Same with the gun. I'd love for a gun to sit in my lockbox unused and unfired because nobody broke into the house.
|
|
| | | 1109 | Bauxman
ID: 2110171217 Mon, Nov 23, 2009, 18:40
|
I just didn't want to waste time explaining things to a canEHdian. I want to be on time for work in the morning.
|
|
| | | 1110 | CanadianHack
ID: 5910412312 Mon, Nov 23, 2009, 19:02
|
So you don't think that guarding something without mauling an intrudor is a use of a guard dog?
You don't think that learning to use a gun - maybe at a target range - without actually shooting a person is a use of a gun?
|
|
| | | 1111 | biliruben
ID: 461142511 Mon, Nov 23, 2009, 19:22
|
Hack - if you are going to feed the troll feed it goat, not marshmallows.
|
|
| | |
| | | 1113 | jedman
ID: 552262217 Tue, Dec 01, 2009, 09:57
|
Here is a section of the Health Bill that hits close to home for me and I think is going too far.
Section 2572 of the bill (H.R. 3962) says, “In the case of an article of food sold from a vending machine that – (I) does not permit a prospective purchaser to examine the Nutritional Facts Panel before purchasing the article or does not otherwise provide visible nutrition information at the point of purchase; and (II) is operated by a person who is engaged in the business of owning or operating 20 or more vending machines, “the vending machine operator shall provide a sign in close proximity to each article of food or the selection button that includes a clear and conspicuous statement disclosing the number of calories contained in the article.” (See page 1,515 of H.R. 3962 Section 2572 (H) (viii). I just sold my vending business in April. The cost to do this on my old business would have been steep, not just for the initial setup, but every time a new item is put in the machine, new documentation has to be placed. Most vending machines are in a stand alone area. Where are you going to put the documentation? Paperwork attached to a machine will inevitably be taken or vandalized. I would say 90% of the people who use vending machines know what they want and whether it is healthy or not. What does this have to do with improving health care? It makes me wonder what other items like this are in there to stick it to small business. Our national vending organization estimates this will cost about $56 million dollars to implement in the first year. Whether that figure is correct or not, why is something like this even included in the bill?
|
|
| | | 1114 | Tree
ID: 248472317 Tue, Dec 01, 2009, 10:06
|
What does this have to do with improving health care?
i can't speak for everyone, but once they started posting calorie counts on all menus in NYC, it made me think twice about ordering some things - i.e. at a coffee shop, opting for a regular iced coffee instead of an iced caramel machhiatto with whipped cream.
and a healthier population means lower health care costs - that's what it means.
|
|
| | | 1115 | Perm Dude
ID: 154552311 Tue, Dec 01, 2009, 10:29
|
Don't some states already require this (such as New York)? I know that the National Restaurant Association supports the requirements, as it'll do away with various state and municipal requirements which are not at all consistent.
I don't believe that the clause is included in the Senate version of the bill, however.
|
|
| | | 1116 | Bauxman
ID: 28113319 Tue, Dec 01, 2009, 10:33
|
Right, and then when jedman jacks up the price of a Snickers bar to pass along the cost of the compliance you will be the first to b!tch.
At least you admit liberals are stupid enough to insist upon nutritional information postings about candy to determine whether or not it is good for you.
|
|
| | | 1117 | Tree
ID: 248472317 Tue, Dec 01, 2009, 10:47
|
Right, and then when jedman jacks up the price of a Snickers bar to pass along the cost of the compliance you will be the first to b!tch.
um. no. if he wants to charge a buck for a candy bar, or whatever they cost these days, that's his business.
you kind of missed the larger point of posting calorie counts - out of sight, out of mind. but if they're in your face, someone might think twice about eating something that is $hitty for them.
At least you admit liberals are stupid enough to insist upon nutritional information postings about candy to determine whether or not it is good for you.
your anger here on this board is so off the charts, it's pretty cartoonish and laughable. it's impossible to take you seriously, because nearly every post of yours seems to have some sort of seething statement about liberals that has zero basis in fact whatsoever.
you remind me a lot of Yosemite Sam, because when he gets angry, it makes me laugh too.
|
|
| | | 1118 | Pancho Villa
ID: 381047158 Tue, Dec 01, 2009, 10:57
|
Yeah, you'd think that today's market rally would soothe Bauxman's perpetually irritable bowel syndrome, but NOOOOO!
But, in this case, I tend to agree with Jedman, and, indirectly, Bauxman.
I'm suspicious that this is more of a government revenue generation than any kind of effective preventive maintenance.
|
|
| | | 1119 | jedman
ID: 552262217 Tue, Dec 01, 2009, 12:16
|
Everything in the machines has the calories information on it. Posting things in a restaurant or fast food place like McDonald's is much easier than posting it on a vending machine. It is just unnecessary for snack items, it's not like people don't know that chips and candy are snacks, not meals. Vending prices can only be raised in .05 increments. You wouldn't believe how irate people get when their snacks go up by even a nickel. There are much bigger things to worry about in health care. What's next, a fat meter when you walk in the convenience store that tells you what section of the store you are allowed to purchase from?
|
|
| | | 1120 | Perm Dude
ID: 154552311 Tue, Dec 01, 2009, 12:36
|
Seems to me that since all those packages contain those nutritional labels anyway, that should be enough.
|
|
| | | 1121 | DWetzel
ID: 278201415 Tue, Dec 01, 2009, 12:45
|
I could do without the provision honestly. It seems like busy work for minimal benefit.
That said, complaining about how awful it is is also busy work. How hard is it to put a piece of paper up that says
Snickers -- 220 calories 3 Musketeers -- 230 calories Clark Bar --1140 calories
Get a $2 plastic paper-holder, screw it to the machine, put in a piece of paper. When you change to a different item, change the paper.
|
|
| | | 1122 | Bauxman
ID: 28113319 Tue, Dec 01, 2009, 13:38
|
the larger point of posting calorie counts - out of sight, out of mind. but if they're in your face, someone might think twice about eating something that is $hitty for them
Then we must have government mandated signs on the front of freight trains that read "DANGER!" so as to avoid the cavalcade of liberal consumers walking head on into the.
There should also be government mandated signs on the front bumper of every car telling you to get out of the way.
I also then insist we round up all great white sharks, grizzly bears, lions, and tigers so we can give them all extensive government mandating tatooing that reads a warning out to anyone who should cross their path.
it's not like people don't know that chips and candy are snacks
Regular people know this. Liberals however do not. Hence the need to mandate a sign that tells people snicker bars are unhealthy. How fvcking stupid can we be? People don't know candy bars are unhealthy?
Yeah, you'd think that today's market rally would soothe Bauxman's perpetually irritable bowel syndrome, but NOOOOO!
Thank you for noticing about the market. I am pleased to see that the Dubai problem (market wise) is not spreading.
|
|
| | | 1123 | jedman
ID: 552262217 Tue, Dec 01, 2009, 13:41
|
DWetzel, if only it was that easy, but the way I read the provision, you need all the nutritional information, not just calories. Trust me, anytime you put something on a vending machine on the outside of the machine, it will be gone within a week. If you have 1000 machines, it is a big deal, extra time to make the info, time to install it, replacing those that are taken or messed with. I thought we were trying to provide health care to those that don't have it. I would like to just stick to that for now.
|
|
| | | 1124 | DWetzel
ID: 278201415 Tue, Dec 01, 2009, 14:35
|
I don't disagree with your later point, and obviously I am not a lawyer, but, from your post 1113:
“the vending machine operator shall provide a sign in close proximity to each article of food or the selection button that includes a clear and conspicuous statement disclosing the number of calories contained in the article.”
Doesn't say you need to post all the nutritional info, just says the calories.
|
|
| | | 1125 | Tree
ID: 248472317 Tue, Dec 01, 2009, 14:37
|
Jed - Everything in the machines has the calories information on it.
of course. but you can't see that info until you make a purchase.
There are much bigger things to worry about in health care.
no argument here.
Dwetz - Get a $2 plastic paper-holder, screw it to the machine, put in a piece of paper. When you change to a different item, change the paper.
agreed. it's not a challenging thing.
Baux - How this. Liberalso we round up all grizzly be government bumper bars, grizzly bars are unhealthy. How can give government mandating stupid cross the way.
Regular tells people should cavalcade of ever do not spread on the front mandy bears, lionsumers so bears so we must have then we be? Peopleased to mandating. Thank you for not. I all extensive gover do not spreat reading healthy?
Thank you for noticing about tells howevery can give gover don't know car peopleased signs on into sharket of ever (i enjoy reading your posts much more through the Gibberish Generator. This time, i decided Winnie the Pooh would be the best bet. i did, however, tailor my response to something that might speak your normal language:)
ooka! booka! arghhbwajasaoppoooop! argo! liburls BAD! conskervotives GOOD! arghobockoargo! FVCK! $HIT! A$$! mommy!
Jed - DWetzel, if only it was that easy, but the way I read the provision, you need all the nutritional information, not just calories.
that would present a problem, but again, not impossible.
Trust me, anytime you put something on a vending machine on the outside of the machine, it will be gone within a week.
put it on the inside of the machine.
I thought we were trying to provide health care to those that don't have it. I would like to just stick to that for now.
this, however, is the bottom line, and i agree 100 percent.
|
|
| | | 1126 | holt
ID: 308491916 Tue, Dec 01, 2009, 15:10
|
I thought we were trying to provide health care to those that don't have it. I would like to just stick to that for now.
The disastrous level of our national debt and the tumbling of the dollar don't make you think twice about that? Why not first focus on bringing down the costs of health care? There are plenty of areas that can be attacked there. Then if we ever get hospital and pharmacy bills to a reasonable level, maybe we can move on to finding a way to get everyone covered. One thing at a time please.
|
|
| | | 1127 | Perm Dude
ID: 154552311 Tue, Dec 01, 2009, 15:18
|
The whole thing is meant to head off the train wreck of Medicare costs, which skim $200 billion/year out of the General Fund.
Since the bill seems to be, at worst, revenue neutral, I'm not altogether certain why this wouldn't be a good thing to you, debt-wise.
Given the complications of health insurance in the economy, it is virtually impossible to address problems one issue at a time.
|
|
| | | 1128 | Tree
ID: 248472317 Tue, Dec 01, 2009, 16:03
|
Then if we ever get hospital and pharmacy bills to a reasonable level, maybe we can move on to finding a way to get everyone covered.
i don't think you can piecemeal it - that's how we got into this mess in the first place.
you've got to attack the problem as a whole.
|
|
| | | 1129 | Bauxman
ID: 28113319 Tue, Dec 01, 2009, 16:50
|
I thought we were trying to provide health care to those that don't have it. I would like to just stick to that for now.
You'll need to qualify that because the liberals read that sentence like, "we were trying to get the government to provide health case to those that don't have it."
|
|
| | |
| | |
| | |
| | | 1133 | Tree
ID: 248472317 Fri, Dec 04, 2009, 13:31
|
But why you gotta change the way things work/ When Jesus Christ said we're the best country in the universe
that kinda sums it up.
btw, don't miss the crawl at the bottom of the screen with everything else going on. that is some funny stuff!
|
|
| | | 1134 | Bauxman
ID: 2110171217 Fri, Dec 04, 2009, 18:22
|
Any other country out there that's better?
|
|
| | | 1135 | Perm Dude
ID: 5510572522 Fri, Dec 04, 2009, 18:34
|
In longevity? 34 others.
|
|
| | | 1136 | Bauxman
ID: 2110171217 Fri, Dec 04, 2009, 18:38
|
Then go live there PD. Why shorten your life by living here?
America is the greatest country ever in the history of man and that's why liberals hate it. Their self loathing conflicts with American greatness constantly and they don't know how to handle it. Instead they envy sissies like France or the European Union all the while enjoying the freedoms of Uncle Sam and not having the balls to move across the pond to live with their smelly Euro-trash breathern.
|
|
| | | 1137 | Perm Dude
ID: 5510572522 Fri, Dec 04, 2009, 18:41
|
Uh, right. You ask a question, I answer it, and it's the childish "why don't you go there, then."
Sigh.
"Liberals" are trying to get people the health care insurance they need to live in this country as long as possible.
I'm really not sure how the "Right" became such a pro-death party. But the reasons for the sharp decline in the GOP fortunes at the voting booth are on display every time you post.
|
|
| | | 1138 | Bauxman
ID: 2110171217 Fri, Dec 04, 2009, 18:42
|
But the reasons for the sharp decline in the GOP fortunes at the voting booth are on display every time you post.
And the reasons for the downfall of this country are evident every time a liberal votes.
|
|
| | | 1139 | Boldwin
ID: 26451820 Fri, Dec 04, 2009, 18:45
|
PD What would you say the prospects are in the 2010 House of Rep elections for liberals who vote for commie-care and what will you say [on the off chance *cough*] when they go down in flames?
|
|
| | | 1140 | Perm Dude
ID: 5510572522 Fri, Dec 04, 2009, 18:51
|
There is virtually no chance of the House switching to Republican control, if that is your question.
|
|
| | | 1141 | Boldwin
ID: 26451820 Fri, Dec 04, 2009, 19:15
|
My question was two parts, both clearly stated and not easily misunderstood.
|
|
| | | 1142 | Pancho Villa
ID: 421129418 Fri, Dec 04, 2009, 19:29
|
both clearly stated and not easily misunderstood.
commie-care = clearly stated in Baldwinspeak - reactionary BS to most everyone else
|
|
| | | 1143 | Perm Dude
ID: 5510572522 Fri, Dec 04, 2009, 19:45
|
Your question, Baldwin, seems to assume a lot. For one, it assumes that the House hasn't already voted on the health care bill.
However, taking the question at face value: Yes, I believe if the House every voted for "commie care" (assuming you mean a large Communist-style health care system paid for by tax dollars, rather than a system of taking care of the health problems of Communists), then the "liberals" would be in trouble.
This isn't anything close to what is proposed, however. And, so answer your next question, I would feel the same way if the House voted to fund a $1 billion/year Unicorn Research Center.
As it is, if the health care bill passes in some form and unemployment drops to, say, 8% or less, Republicans in Washington better get their resumes together.
|
|
| | | 1144 | Bauxman
ID: 2110171217 Fri, Dec 04, 2009, 20:56
|
.... not easily misunderstood.
It is if you are a publicly schooled liberal.
And, so answer your next question, I would feel the same way if the House voted to fund a $1 billion/year Unicorn Research Center.
And would anyone be surprised if such a research study existed?
|
|
| | | 1145 | Perm Dude
ID: 5510572522 Fri, Dec 04, 2009, 21:00
|
After the Bush Administration, I'd lay some money on it being in a Texas Republican district...
|
|
| | | 1146 | Boldwin
ID: 26451820 Sat, Dec 05, 2009, 02:32
|
PD So you are incapable of dealing with that hypothetical. Polling data suggests independents have turned against commie-care bigtime so you will have to deal with it eventually. They loved voting for the first black president, but they didn't vote for socialism. In fact everyone from Obama to Fred was promising he wasn't a hardcore marxist so now that the cat is out of the bag the independents are bolting. Deal with it now or deal with it later but deal with it you will.
|
|
| | | 1147 | Perm Dude
ID: 5510572522 Sat, Dec 05, 2009, 03:32
|
No, I'm not incapable of dealing with a hypothetical at all. I told you in #1140 what I felt, thought you felt the need to posture for two more posts with a rant against "commie-care" and "socialism" (which is it?) as though those have any real meaning in the debate. I have absolutely no idea what you mean by "hardcore Marxist" (and I don't think you do either), except I should point out that Obama is doing virtually none of the things you believe to be proof of his "marxism." Do you even know what "marxism" means?
There are about 35 "at risk" seats currently being held by Dems. 3 of them are by members who didn't vote for the stimulus, the health care bill, or the climate bill (in other words, it doesn't matter to Democratic policy-making whether they win or lose). Let's say, for the sake of your hypothetical, every single one of those Democrats (save the three) lose to Republicans. In that case, the Dems still retain the majority in the house. Hell, throw in Bright, Griffith & Minnick too. The Dems still take the House.
The math doesn't work for you, Baldwin, no matter how much you click your heels together and hope and hope and hope.
It is worth noting that we have had two special elections for the House since Obama's election, and Dems have won both of those (giving them a net +1 advantage).
Deal with it now or deal with it later but deal with it you will
This is incredibly ironic coming from a guy who hasn't dealt with the Democratic roll except to increasingly predict Republican victory just over the horizon.
|
|
| | | 1148 | Pancho Villa
ID: 421129418 Sat, Dec 05, 2009, 08:51
|
America is the greatest country ever in the history of man and that's why liberals hate it.
I find it hard to believe you think America is the greatest country in the history of man. After all, you hate the American president, you hate the American congress, you hate the American media, you hate the American courts, you hate American universities and the educational system, you hate the American environment, you hate the American immigration policies, and you hate a good portion of your fellow American citizens.
Perhaps you think that criticizing the things you don't like about this country doesn't make you an American hater, but you certainly don't extend that thinking to those with differing political views. If a liberal hates that we dropped millions of tons of bombs on Vietnam and Iraq, countries that posed no threat to our national security, you accuse them of hating America instead of opposing that particular policy of aggression.
The accusation that liberals hate America because it's the greatest country in the history of man is so childish and self-serving that it's no suprise you follow that up by saying they envy sissies like France or the European Union and not having the balls to move across the pond to live with their smelly Euro-trash breathern.
So lovers of America also need to hate and insult Europeans?
The irony of you accusing others of hating and self-loathing is astronomical, since you are consumed with both.
|
|
| | | 1149 | Bauxman
ID: 2110171217 Sat, Dec 05, 2009, 12:46
|
I find it hard to believe you think America is the greatest country in the history of man.
This is EASILY the greatest country in the history of man.
But then you rant...
After all, you hate the American president, you hate the American congress, you hate the American media, you hate the American courts, you hate American universities and the educational system, you hate the American environment, you hate the American immigration policies, and you hate a good portion of your fellow American citizens..
I don't hate Obama. Nothing would make me happier than for him to reduce unemployment to 5%, balance the budget, reduce the deficit, and outlaw abortion. I don't think he'll do it, but if he did I'd vote for him.
I do hate Congress. If hating Congress is wrong I don't want to be right.
American media? OK fine, I hate them too. They always do cross promotional stories about themselves and shine Obama's knob on TV. I'm embarassed for them. Like when a relative gets drunk at a party and acts like an a$$.
Hate the courts? I really don't have an opinion on them.
Hate American universities? Yes I hate the fact they are so expensive, but such is the free market. I also think 90% of the majors they offer have no real world application and serve only to collect revenue and not to provide jobs.
I hate the American environment? You'll have to clarify that one.
American immigration policies? We HAVE an immigration policy? What is it?
Hate a good portion of my fellow Americans? I never really thought of it that way. I hate characteristics of people but rarely do I hate the whole person.
Since you're so interested in what I hate, my local comic book store advertised a "50% Off Sales on Back Issues" this weekend. I show up to scoop up a bunch of trades but those were 15% off. I'll have leftover dinners for lunch this week at work but its worth it because now I have Garth Ennis' Punisher series and Secret Invasion.
|
|
| | | 1150 | Bauxman
ID: 2110171217 Sat, Dec 05, 2009, 12:53
|
Oh crap, there was another half of your post.
Perhaps you think that criticizing the things you don't like about this country doesn't make you an American hater, but you certainly don't extend that thinking to those with differing political views. If a liberal hates that we dropped millions of tons of bombs on Vietnam and Iraq, countries that posed no threat to our national security, you accuse them of hating America instead of opposing that particular policy of aggression.
The actions of liberals lead to loss of life, standard of living, and security for Americans. I judge people by what they DO. And for liberals, their actions speak to me loud and clear that they want Americans to suffer just because they don't have their act together. Liberals are easily the most dangerous species on the planet.
Liberals murder unborn children, steal our money, and let our crippled starve to death in hospitals like dogs. Hell, worse than dogs. The sadest days of my life involve putting dogs to sleep but at least that was over in a few minutes. Liberals also play the Jews, senior citizens, and the middle class as pawns and patsies for their grander schemes.
So lovers of America also need to hate and insult Europeans?
Those ingrateful Eurotrash wimps deserve nothing more than our scorn. Britains are good people, the rest of them, edit-->select all-->delete.
|
|
| | | 1151 | Tree
ID: 248472317 Sat, Dec 05, 2009, 14:06
|
Liberals also play the Jews...
oh, just f*ck you and your ignorance and bigotry.
Nothing like claiming an entire religious group is so dumb it can't think for itself.
never mind the fact that you have no idea how tenuous the relationship is between Jews and the American Left is these days.
While Jews have marched hand in hand with the left because of issues like Civil Rights (i proudly have among members of my family people who were beaten by police and had fire hoses and such turned on them for marching in civil rights rallies), all a Democratic president has to do is turn his back on Israel, and he'd lose a lot of Jewish support.
i know a LOT of Jews who were afraid to vote for Obama for that very reason.
i really didn't think it was possible to top Baldwin's pigheadedness on a pure annoyance level, but your ignorance on nearly everything you talk about is mind-boggling.
|
|
| | | 1152 | Bauxman
ID: 2110171217 Sat, Dec 05, 2009, 16:32
|
Tree, you are as much a representative of the Jewish community (you don't even practice your so called faith) as you are a Martian, although if you were that would explain a lot.
Nothing like claiming an entire religious group is so dumb it can't think for itself.
The same group that allowed itself to be rounded up and slaughtered in the 30s and 40s no?
|
|
| | | 1153 | Tree
ID: 248472317 Sat, Dec 05, 2009, 19:03
|
Tree, you are as much a representative of the Jewish community (you don't even practice your so called faith) ...
you don't now me. how do you know what i do and do not practice? because obviously, you don't.
The same group that allowed itself to be rounded up and slaughtered in the 30s and 40s no?
very much of a trolling statement, but clearly, your lack of class knows no bounds. whatever. if you get off on it, so be it. you're a small man with obviously not much of a life, either personal, professional, or romantic, so you come on here to get your rocks off. good for you.
|
|
| | | 1154 | holt
ID: 308491916 Sun, Dec 06, 2009, 02:40
|
Why do you guys keep replying to this knucklehead? Let it go.
|
|
| | | 1155 | Bauxman
ID: 2110171217 Sun, Dec 06, 2009, 06:38
|
if you get off on it, so be it. you're a small man with obviously not much of a life, either personal, professional, or romantic, so you come on here to get your rocks off. good for you.
Guru: There are more personal attacks going on.
|
|
| | | 1157 | Boldwin
ID: 3011066 Sun, Dec 06, 2009, 07:05
|
Give it up Box.
It's jumped the shark.
They no longer understand english. Right out of Orwell.
These people have their eyes wide shut and deserve every pit they are going to walk into.
Tree has been shown who Khalidi is, how important he was to Obama's rise to power and that, like the party crashers, Khalidi's #1 issue in life is facilitating the extinction of the jewish race, and yet Tree supports Obama.
The baby boomers on this forum have been shown from Obama's mouth, and Ezekiel Emanuel's, their proud as punch rationalization for neglecting the elderly to death and yet these posters walk headlong and willing into their own T4 program death.
They are beyond saving. Tragic and sad but well deserved. They asked for it.
|
|
| | | 1158 | Pancho Villa
ID: 421129418 Sun, Dec 06, 2009, 08:40
|
Khalidi's #1 issue in life is facilitating the extinction of the jewish race
Fiction. Slanderous, unsupportable fiction.
|
|
| | | 1159 | Perm Dude
ID: 5510572522 Sun, Dec 06, 2009, 09:14
|
It is all he has anymore, PV. Like many on the far right, he's married to his conspiracy and will simply invent the reasons, if need be, to demonstrate he's right.
|
|
| | | 1160 | Tree
ID: 248472317 Sun, Dec 06, 2009, 10:24
|
Bauxman - lol. trust me, that was hardly a personal attack, although what I believe you deserve after blaming the Jews for the Holocaust goes far beyond personal. the difference between you and i is that i know where to draw the line.
You wouldn't walk up to me - or any other Jew, and say "hey, your own damned fault the Holocaust happened." Let's leave it at that.
Baldwin - The New New Conservative - Sweeping Generalizations unsupported by facts: "It's all we got!"
spare us the histrionics and unfounded and unrelated issues.
Obama is his own man. he has described his own commitment to Israel as "unshakable", and until he proves otherwise, I have no reason to doubt him.
However, i suppose it can be fun to use a Baldwinian technique, since it can be tossed out there, no matter how outrageous, no matter how untrue,
Obviously, you must support the extinction of the "Jewish race" (i won't even bother to explain to you that there is no "Jewish race", because you wouldn't be able to grasp it).
After all, John McCain was the chairman of the International Republican Institute at one time, which provided grants of a half-million bucks to the Khalidi-founded Center for Palestine Research and Studies.
And since Sarah Palin ran alongside McCain, she's as guilty as he is, and since you support her, well, you're to blame to.
|
|
| | | 1161 | Pancho Villa
ID: 421129418 Sun, Dec 06, 2009, 11:10
|
Guru: There are more personal attacks going on.
Yes, by you, only you justify such attacks by using the generic 'liberals', a cowardly approach which fools no one except perhaps your equally radical ally Baldwin.
Liberals murder unborn children, steal our money, and let our crippled starve to death in hospitals like dogs.
How is that any different than accusing Tree, PD, Sarge(and I'm sure you lump me in there) of being murderers, thieves and death cultists?
When somebody responds to such accusations by saying you're a small man with obviously not much of a life, either personal, professional, or romantic, suddenly you're a victim? You just called him a murderer and a thief.
|
|
| | | 1162 | Bauxman
ID: 2110171217 Sun, Dec 06, 2009, 11:39
|
You must not understand the difference between a personal attack and an ideological one.
|
|
| | | 1163 | DWetzel
ID: 33337117 Sun, Dec 06, 2009, 11:40
|
You know what I wish? That conservatives whose screen names start with B would get uncurable AIDS and be forced to patch their Rush Limbaugh bobblehead dolls be smashed repeatedly in front of their faces by a laughing Osama Bin Laden, while their families were executed in front of them and the corpses burned.
But, see, I didn't direct it at any one person, so I'm sure it's not personal.
|
|
| | | 1164 | Astade
ID: 38542218 Sun, Dec 06, 2009, 13:22
|
poor Building 7....
|
|
| | | 1165 | sarge33rd
ID: 411134613 Sun, Dec 06, 2009, 14:34
|
from post 1150: The actions of liberals lead to loss of life, standard of living, and security for Americans. I judge people by what they DO.
loss of life:
GWBs pet war cost FAR more lives, than any possible count of abortions which you could contrive. Further, your position (and that of others on the rabid right) re health insurance, is costing American lives every day.
standard of living:
Prior to GWBs relaxation of regulations in the lending industry, I was making 6 figures. I havent made 4 figures yet this year. That wasnt libaralism that allowed big business to run stupid.
security:
The devestation of our armed forces, morale and material both, are a direct result of people like Rumsfeld who said and practiced "You dont go to war with the Army you want, you go with the one you have." WRONG. If you dont have the Army you want, then you DONT go to war.
So, when ARE you going to start judging ideologies by what they do, vs what Glenn Beck tells you?
|
|
| | | 1166 | Bauxman
ID: 2110171217 Sun, Dec 06, 2009, 16:38
|
GWBs pet war cost FAR more lives, than any possible count of abortions which you could contrive.
How many Americans have died in Iraq?
|
|
| | | 1167 | DWetzel
ID: 33337117 Sun, Dec 06, 2009, 19:38
|
If it was only Americans that died in the war, that would be an almost valid question.
(Oh, and sorry B7. ;) )
|
|
| | | 1168 | Bauxman
ID: 2110171217 Sun, Dec 06, 2009, 19:43
|
Give me a number and what is included in that number.
|
|
| | | 1169 | DWetzel
ID: 33337117 Sun, Dec 06, 2009, 20:26
|
No.
|
|
| | |
| | | 1171 | Bauxman
ID: 2110171217 Sat, Dec 12, 2009, 16:15
|
I guess you take Mafia Wars pretty seriously eh soldier?
|
|
| | | 1172 | sarge33rd
ID: 551157128 Sat, Dec 12, 2009, 16:19
|
Nope. Don't play it at all.
|
|
| | | 1174 | Boldwin
ID: 26451820 Thu, Dec 17, 2009, 04:28
|
Less health care for more money: What's the catch?The New York Times' Nicholas Kristof recently wrote a column about John Brodniak of Oregon, who developed a cavernous hemangioma, causing him great pain as blood leaks into his brain. According to Kristof, Brodniak can't get medical help because we don't have universal health care. Senators who vote against Obamacare, Kristof said, are morally equivalent to someone who would walk past a man "writhing in pain on the sidewalk." In another article in the Times, William Yardley wrote about Melvin Tsosies – also of Oregon – who ended up with $200,000 in medical bills after having a heart attack. As of March 2008, Yardley reported, Tsosies was waiting to find out if he would win the Oregon lottery for health insurance. But with 600,000 uninsured state residents and a "universal" health care program with only enough money to pay for about 24,000 of them, Tsosies is more likely to win a Powerball lottery. How can this be happening? Oregon already has "universal health care"! (Probably just a coincidence, but isn't Oregon also the only state with physician-assisted suicide?) Once again forgetting about the existence of the Internet, the Times neglects to mention its own erstwhile enthusiasm for Oregon's universal health-care plan, introduced back in 1990. Back then, the Times published an editorial titled "Oregon's Brave Medical Experiment," hailing this technocratic monstrosity as an example of "hardheaded compassion" designed to make "health coverage available to many more families." Ron Wyden – then a congressman from Oregon, now a U.S. senator at the forefront of pushing "universal health care" onto the nation – said: "This is a strong dramatic step toward universal access of health care." He predicted, "this is going to be copied everywhere." No wonder Wyden is such an ardent proponent of national health care – it will force states that didn't adopt these idiotic universal health-care schemes to bail out the ones that did. Liberals cite medical horror stories from the very states they once cheered for enacting universal health care in order to argue for a national health care plan that will wreck the entire nation's medical care the same way liberal states already wrecked their own medical care. Only Democrats could propose fixing one Bernie Madoff-style scam with an even bigger Bernie Madoff-style scam. Maybe when national universal health care fails, we'll be able to go international. Then interplanetary – then interstellar! Why should I pay for my gall bladder surgery when some Venusian could? Eighty-five percent of Americans are happy with their health care, but Democrats have a plan to make it worse for more money. As a bonus, national health care will add trillions of dollars to the national debt, and your insurance rates will skyrocket. Democrats are being utterly disingenuous to say that you won't have to leave your current plan under national health care. Maybe, but it won't be your choice: Your employer will be making that decision for you. Recall that one of the big selling points of national health care is that it is supposed to reduce costs for American businesses. The only way national health care will make American companies "more competitive" is if they dump their employees into the public health-care system. It's so weird! We expected X number of people to show up for health care and instead 75X showed up! Yeah, just like every other government program in the history of the world. Ten years from now, we'll be talking about cost overruns of $6 trillion – but by then, national health care will be an untouchable "third rail" of politics, just as Medicare is now. (Ironically, injuries sustained from actually touching the third rail won't be covered under Obamacare.) As with Medicare, voters will be terrified to go back to even the wisp of a free-market system we have now, afraid that they'll never be able to get health insurance without the government providing it. Having been dragged unwillingly into the government plan, how will a 58-year-old be able to leave the public system and get insurance on the free market? Speaking of which, how many of you are planning to retire on your Social Security benefits? Just you there, with the shopping cart full of cans? The only solution will be for the government to keep running up gigantic deficits and raising taxes on "the rich," which, in turn, will stifle job creation and economic growth in a phenomenon known to economists as "the Carter years." In addition to forcing Americans into dealing with surly government workers in order to obtain medical care, sooner or later, there's no free lunch. (And if government X-rays are anything like the photos the DMV takes for your license, count me out. I don't want my lungs looking like they had a bad hair day.) Even if national health care puts the screws to doctors and pharmaceutical companies by reimbursing them below cost – so all future doctors will soon resemble DMV employees and no new drugs will ever be invented – the government is still going to have to cut services and pay for the system with massive tax hikes. Which is exactly what happened with Oregon's "Brave Medical Experiment." - The Wooden Stake Every Vampire Fears Ann Coulter
|
|
| | | 1175 | sarge33rd
ID: 451137172 Thu, Dec 17, 2009, 04:54
|
AC is less qualified to objectively comment on health care, ...no wait...AC is unqualified to objectively comment on anything.
|
|
| | | 1176 | DWetzel
ID: 278201415 Thu, Dec 17, 2009, 09:59
|
I'll just pick out one particular disingenuous garbage crap line for criticism, because it clearly illustrates the massive hypocrisy of the goofball right on this issue:
"Democrats are being utterly disingenuous to say that you won't have to leave your current plan under national health care. Maybe, but it won't be your choice: Your employer will be making that decision for you."
Ah, but in the free market which Republicans claim to crave, the employees will simply seek out another employer that provides more beneficial health coverage! Eventually, an equilibrium will be reached wherein employers failing to provide decent health coverage will attract the level of employee which their package of benefits allows.
Or so the story goes when they support the current system (after all, if people want better health coverage, why don't they just go get it)--but if that's the case, why can't it apply equally under the new system? NOTE: I SAID THE NEW SYSTEM, NOT SOME HYPOTHETICAL TRIPLE-EXTENSION OF THE NEW SYSTEM YOU CHOOSE TO INVENT.
|
|
| | | 1177 | sarge33rd
ID: 4811521711 Thu, Dec 17, 2009, 12:52
|
besides which is the obvious resposnse DW to this line:
...Your employer will be making that decision for you.
Isn't that what employers do NOW!? Long ago lost count, of how many employers have trimmed their health costs, by switching to a lesser coverage plan and/or increasing deductibles. The employee either went along with it, quit and sought work elsewhere, or bought private insurance. So how would this bill change that AT ALL?
Saw this too on msn.com
Air ambulance can run upwards of $25,000; and not all insurance will pay toward it
|
|
| | | 1178 | DWetzel
ID: 33337117 Thu, Dec 17, 2009, 13:23
|
Nah, the current situation is total bliss, haven't you heard?
|
|
| | | 1179 | Perm Dude
ID: 5510572522 Thu, Dec 17, 2009, 14:06
|
The irony of that title as a critique of health care insurance reform seems to have escaped Coulter (and her minions).
|
|
| | | 1180 | Frick
ID: 9103036 Thu, Dec 17, 2009, 15:30
|
CT Scans, excess radiation and cancer
I heard this on the news this morning and thought I would add it.
CAT scan and MRI machines are expensive, but they generate revenue for the hospital and the doctor when they are used. Doesn't that seem like a slight conflict of interest?
|
|
| | | 1181 | sarge33rd
ID: 4811521711 Thu, Dec 17, 2009, 16:26
|
slight? No. MAJOR conflict IMHO.
|
|
| | | 1182 | biliruben
ID: 16105237 Thu, Dec 17, 2009, 16:36
|
This is a large reason why we have the most expensive healthcare in the world. Follow the link in 586, and it will be clear to you that letting doctors own hospitals, specialty clinic and machinery is a really bad idea.
|
|
| | | 1183 | Perm Dude
ID: 5510572522 Thu, Dec 17, 2009, 17:19
|
Jon Stewart with another poke at the Tea Party
The willingness of the conservative media and the national GOP to kiss the asses of these wackos is really something to watch.
In about ten years, we are going to get a lot of people, saying to themselves only, "what were we thinking??"
|
|
| | | 1184 | Boldwin
ID: 26451820 Thu, Dec 17, 2009, 17:35
|
Ten years from now those people are still going to be thinking, "I want my country back". Times ten.
|
|
| | | 1185 | Boldwin
ID: 26451820 Thu, Dec 17, 2009, 17:38
|
CAT scan and MRI machines are expensive, but they generate revenue for the hospital and the doctor when they are used. Doesn't that seem like a slight conflict of interest? The sudden popping up of memes like this seem like the opening shots of 'commie-care' taking away our healthcare. Not even subtle, more like 'in your face'.
|
|
| | | 1186 | Perm Dude
ID: 5510572522 Thu, Dec 17, 2009, 17:38
|
I'm sure they will. The one they "want back" is one that never existed, however.
This vague, barely-directed and misplaced anger is no way to build a viable party, and will come to bite the GOP in the ass. Badly.
|
|
| | | 1187 | Boldwin
ID: 26451820 Thu, Dec 17, 2009, 17:43
|
I should make a file of all those triumphalist statements for future reference. There may yet be a few signs of life in the land of the free. While I am sanguine about the prospects of the USA surviving much longer, there will certainly be plenty of support for resisting the marxist takeover.
|
|
| | | 1188 | Boldwin
ID: 26451820 Thu, Dec 17, 2009, 17:44
|
The one they "want back" is one that never existed, however. Yeah, reminds of the recent revisionists telling us Ronald Reagan wasn't really conservative.
|
|
| | | 1189 | Perm Dude
ID: 5510572522 Thu, Dec 17, 2009, 17:46
|
I'm sure there are lots of things that remind you of things that aren't the point.
|
|
| | | 1190 | Boldwin
ID: 26451820 Thu, Dec 17, 2009, 17:50
|
That is exactly the point. America and Ronald Reagan were once opposed to becoming simpering slaves standing in a government line waiting for a handout.
|
|
| | | 1191 | Pancho Villa
ID: 29118157 Thu, Dec 17, 2009, 18:06
|
Senate Unveils CompromiseCare Details of Healthcare Plan Revealed
WASHINGTON (The Borowitz Report) - The United States Senate today unveiled details of its health care plan, tentatively called CompromiseCareTM:
•Under CompromiseCareTM, people with no coverage will be allowed to keep their current plan. •Medicare will be extended to 55-year-olds as soon as they turn 65. •You will have access to cheap Canadian drugs if you live in Canada. •States whose names contain vowels will be allowed to opt out of the plan. •You get to choose which doctor you cannot afford to see. •You will not have to be pre-certified to qualify for cremation. •A patient will be considered "pre-existing" if he or she already exists. •You'll be free to choose between medications and heating fuel. •Patients can access quality health care if they can prove their name is "Lieberman." •You will have access to natural remedies, such as death.
|
|
| | | 1192 | Tree
ID: 248472317 Thu, Dec 17, 2009, 18:15
|
While I am sanguine about the prospects of the USA surviving much longer...
I'm trying to wrap my head around this statement, as the first half implies optimism, the second half, pessimism. I think it's the inclusion of the word "much", but i'm not real sure.
|
|
| | | 1193 | Bauxman
ID: 2110171217 Thu, Dec 17, 2009, 18:26
|
Yeah, reminds of the recent revisionists telling us Ronald Reagan wasn't really conservative.
It's like when liberals tell us Jesus was political.
Back to Reagan, if America were to ever have a King or be under a benevolent dictatorship I would want it to be Ronald Reagan. Liberals hated him because he loves America and because he ran through liberals like crap through a goose.
|
|
| | | 1194 | biliruben
ID: 16105237 Thu, Dec 17, 2009, 18:32
|
Yet most of Obama's policies are to the right of ol' Ronny, yet you scream marxist.
Your pants are down, wingnut.
|
|
| | | 1195 | Perm Dude
ID: 5510572522 Thu, Dec 17, 2009, 18:32
|
The fixation on labels is the defining characteristic of the Right these days, it seems.
Reagan was a good man, and the Right seems to forget that Obama has learned many of the lessons Reagan taught us. The Right and Left have switched places it seems, with the Right pining for the days of Reagan in which they seemingly won victories over the godless and mean spirited Left, who themselves never left the 60's.
If Reagan were around today in politics, he would be booted.
|
|
| | | 1196 | Boldwin
ID: 26451820 Thu, Dec 17, 2009, 19:02
|
"Yet most of Obama's policies are to the right of ol' Ronny." - Bili Clearer evidence that this site has jumped the shark and that liberals have lost their ability to think and process language, I could never hope to find. There is no point even debating around here. It's Babylon II and they can no longer communicate. I mainly just use this site to blog my findings at this point. No use arguing. I could point out Obama has all too many communist czars with long marxist resumes and hair-raising marxist quotes in their past, transforming this county without benefit of congressional review, but the remaining rational parts of bili's head would explode and he'd start reciting nursery rhymes.
|
|
| | | 1197 | biliruben
ID: 16105237 Thu, Dec 17, 2009, 19:14
|
Well, I happen to look at actions for guidance.. You, Baldwin, look at your nightmares and deepest fears and mistake them for reality.
I can't help you.
|
|
| | | 1198 | Tree
ID: 248472317 Thu, Dec 17, 2009, 19:30
|
I mainly just use this site to blog my findings at this point...
i'd love for the opportunity to read this blog. I assure you, i will refrain from commenting on the blog, i'd just like to read it.
|
|
| | | 1199 | DWetzel
ID: 33337117 Thu, Dec 17, 2009, 22:03
|
You know, if you don't really have any interest in discussing things, Boldwin, but just want to blog about what you want to blog about, then maybe you should, you know, start a blog instead of using a discussion forum for your own personal blog.
Since, you know, one's designed to be one's personal blog without interaction, and the other isn't.
|
|
| | | 1200 | Boldwin
ID: 26451820 Thu, Dec 17, 2009, 23:33
|
I like discussing just fine. But first find me anyone here who is capable of understanding english. Such as Obama's justification for letting granny die uncared for. I can't find anyone here with that basic language skill.
|
|
| | | 1201 | Tree
ID: 248472317 Thu, Dec 17, 2009, 23:38
|
care to provide a link to your blog, Baldwin?
|
|
| | | 1202 | Boldwin
ID: 26451820 Thu, Dec 17, 2009, 23:40
|
You are corrupting it with your presence right now.
|
|
| | | 1203 | DWetzel
ID: 33337117 Fri, Dec 18, 2009, 00:21
|
Sorry, this is the Politics Forum, not the Fiction Forum. So that would be very off topic here.
I just love how you two whine and moan about personal attacks when that's basically all you do anymore.
So if you REALLY want things to get personal, we can do that.
|
|
| | | 1204 | Tree
ID: 248472317 Fri, Dec 18, 2009, 01:28
|
You are corrupting it with your presence right now.
god forbid you respond without an insult. it's not even in your nature, you're such an angry, bitter old man.
you are, unquestionably, the least Christian "Christian" i have ever met.
In fact, i've worked with junkies, felons, and a whole range of people across the human spectrum who were a nicer human being than you are.
You are the exact person I would never want my children to grow up and be like.
|
|
| | | 1205 | Doug
ID: 351027518 Fri, Dec 18, 2009, 01:37
|
And, I'm out. Every now and then I peek in again, wondering why I haven't checked the board in months and... oh yeah, this.
As much as I don't enjoy it when folks are trolling in the first place, I can ignore it... but I'm even more annoyed that some people can't seem to help themselves from replying... and moreso still when this off-topic personal back-and-forth drivel becomes predominant in place of the actual topic.
It's just not for me. Peace.
|
|
| | | 1206 | Perm Dude
ID: 5510572522 Fri, Dec 18, 2009, 03:41
|
I hear ya, Doug. Do try to peek in again. Your posts are valuable not just because they are rare.
|
|
| | | 1207 | Bauxman
ID: 2110171217 Fri, Dec 18, 2009, 05:59
|
So if you REALLY want things to get personal, we can do that.
What does that mean Dave?
|
|
| | | 1208 | DWetzel
ID: 278201415 Fri, Dec 18, 2009, 10:51
|
You still haven't answered my question.
|
|
| | | 1209 | Tree
ID: 248472317 Fri, Dec 18, 2009, 12:03
|
hate to see you leave Doug.
Honestly, i'm not even sure why i'm here anymore.
i'm tired of the unprovoked insults hurled my way at nearly every corner.
if i felt Guru would actually take action, and then enforce it, i'd propose a zero tolerance policy on the type of insults that are hurled back and forth here.
|
|
| | | 1213 | Bauxman
ID: 1811281811 Fri, Dec 18, 2009, 12:57
|
Then you need to clarify what you're typing.
How else should this, So if you REALLY want things to get personal, we can do that. be interpreted?
|
|
| | | 1214 | DWetzel
ID: 278201415 Fri, Dec 18, 2009, 13:02
|
You know what? I am actually going to suggest that I probably went over the line, if you admit that you did also.
I am going to take the step of self-editing out the "offending" posts. I request that you do the same. I am also going to request to Guru that if you do not edit those out, that he do so.
|
|
| | | 1215 | Perm Dude
ID: 5510572522 Sat, Dec 19, 2009, 19:46
|
Looks like Ben Nelson is on-board, and the Dems will get a health care insurance reform bill after all.
Stronger anti-abortion language, couples with a little extra Medicare money to Nebraska, seems to have clinched the deal.
According to the CBO, the bill is expected to reduce the deficit by about $132 billion over ten years.
My disdain for these ten-year projections are well known, and I believe the closer those numbers are to the present the more likely that they are real numbers. But, if passed, Democrats will go back to their constituents with the news that they shaved $132 billion from the deficit while expending health care to 30 million Americans. Republicans will be hard pressed to rebut that effectively, IMO.
|
|
| | | 1216 | Boldwin
ID: 26451820 Sat, Dec 19, 2009, 20:28
|
In reality what has happened is what always happens. When marxists can't achieve their goal they sabotage the system hoping to later claim marxism is the only thing that can rescue the situation they have created. In this case, not having been able to achieve a universal coverage government run medical system, they have outlawed cheaper less comprehensive forms of insurance and vastly increased government involvement in the system which always balls up the works and raises costs. Since 57% of Americans now poll disapproval of a government healthcare plan at this time I think PD is doing some wishful thinking about how this will be received.
|
|
| | | 1217 | Boldwin
ID: 26451820 Sat, Dec 19, 2009, 20:43
|
Fifty-six percent (56%) of U.S. voters now oppose the health care plan proposed by President Obama and congressional Democrats. That’s the highest level of opposition found - reached three times before - in six months of polling.The latest Rasmussen Reports national telephone survey finds that just 40% of voters favor the health care plan.Perhaps more significantly, 46% now Strongly Oppose the plan, compared to 19% who Strongly Favor it.Overall support for the health care plan fell to 38%, its lowest point ever, just before Thanksgiving. This is the fourth straight week with support at 41% or less. With the exception of a few days following nationally televised presidential appeals for the legislation, the number of voters opposed to the plan has always exceeded the number who favor it.“The most significant detail in the data is that 63% of senior citizens oppose the plan, including 52% who strongly oppose it,” says Scott Rasmussen, president of Rasmussen Reports. “Seniors are significant in this debate both because they use the health care system more than anyone else and because they vote more than younger voters.”
|
|
| | | 1218 | Perm Dude
ID: 5510572522 Sat, Dec 19, 2009, 21:43
|
I'm really not certain how having 60% of Senators (all of whom were properly elected) represents "sabotage" at all. Democrats have, in fact, used their overwhelming majorities (given to them over the last several elections) to pass legislation they feel is important.
Meanwhile, this bill actually reduces the projected deficit. If this bill did not pass at all (as you have encouraged) would you then be pointing out that Democrats are thumbing their noses at those in polls who believe deficit reduction is important?
I suspect that what is getting under your skin in your posts is that the "other side" is passing legislation with which you disagree, and therefore feel justified in phrasing it with now-empty names like "marxists" and "government healthcare plan."
If, indeed, there was ever a "marxist" or "government healthcare plan" you can bet it would include, as step number one, the abolishing of private health care companies. As it is, the plan actually requires people to purchase plans which will be run by private insurers. This is hardly "marxist."
|
|
| | | 1219 | Pancho Villa
ID: 29118157 Sat, Dec 19, 2009, 22:42
|
Speaking of polls.
Of all the falsehoods and distortions in the political discourse this year, one stood out from the rest.
"Death panels."
The editors of PolitiFact.com, the fact-checking Web site of the St. Petersburg Times, have chosen it as our inaugural "Lie of the Year."
PolitiFact readers overwhelmingly supported the decision. Nearly 5,000 voted in a national poll to name the biggest lie, and 61 percent chose "death panels" from a field of eight finalists
A nod to MITH, who posted this on his Facebook page.
|
|
| | | 1220 | Boldwin
ID: 26451820 Sun, Dec 20, 2009, 02:13
|
Marxists of the 'Slow March thru the institutions', Saul Alinsky variety are very much alive and they took their first step a long long time ago and it didn't start with...the abolishing of private health care companies. Alinksy's marxism is very much alive and kicking in his living embodiment, Obama.Marxism has been alive and kicking implimenting the Cloward-Piven plan of bankrupting America all along. PD visits websites just crawling with up front about it America hating commies. What did you think they were 'progressing' to? Adam Smith capitalism? Obama can be easily found on you-tube proclaiming the end of private insurance and describing the process by which it will become extinct under his thumb. PD, you surely are aware that this bill is designed to progress as far as politically possible toward a day when there is no private insurance and you certainly can't claim with a straight face that you or Obama have any intention of going away and leaving private insurance as an option in the longrun. This disingenuousness may serve some purpose as propaganda against the common man, but it is wasted among anyone conscious of what is going on.
|
|
| | | 1221 | Boldwin
ID: 26451820 Sun, Dec 20, 2009, 02:20
|
There will obviously be the equivalent of death panels similar to the NICE death panels in England. There will be 'choice commissioners' taking away our choices and iron guidelines taking away the doctor's freedom to practice medicine in the way Obama's Hastings Center euthanasia advisors don't want them to.
|
|
| | | 1222 | sarge33rd
ID: 161128207 Sun, Dec 20, 2009, 08:30
|
There are 'death panels' now, cept they are called Insurance Claims adjustors; and their very income is premised upon how many dollars in claims they DONT authorize to be paid.
You want Doctors free to practice medicine; but the conservative side opposes the health care bill because there were no prohibitions against abortion. A legal, medical procedure. So when you say "free to practice medicine", what ypu truly mean is "free to practice that medicine which I deem proper". So, you would in fact BE the very death panel you claim to oppose.
|
|
| | | 1223 | jedman Dude
ID: 315192219 Sun, Dec 20, 2009, 11:04
|
I have a question about the CBO.
Have they ever been wrong in their projections? I am guessing yes, nobody has the perfect crystal ball. But at least they should be non-partisan.
Just because it will reduce the federal deficit, if that ends up being true, what will the cost to the individual taxpayer potentially be? Is it possible I will have to pay more for insurance or more for goods and services because health care costs went up for the suppliers that I patronize?
My problem is I think they just threw in too many other items that were not related to solving the big problem they think needs to be fixed. I mentioned the vending machine thing earlier and I don't know if that is still in or not, but I have to believe there is still a lot of that kind of thing which is what really irks me about the way our government works.
|
|
| | | 1224 | jedman Dude
ID: 315192219 Sun, Dec 20, 2009, 11:44
|
The Heritage Foundation's take on the CBO estimate:
According to the Congressional Budget Office (CBO), the amended Reid plan would reduce the federal budget deficit by $132 billion over the period 2010 to 2019, but that is a mirage. For starters, as CBO notes, the bill presumes that Medicare fees for physician services will get cut by more than 20 percent in 2011, and then stay at the reduced level indefinitely. There is strong bipartisan opposition to such cuts. Fixing that problem alone will cost more than $200 billion over a decade, pushing the Reid plan from the black and into a deep red. Then there are the numerous budget gimmicks and implausible spending reductions. The plan’s taxes and spending cuts kick in right away, while the entitlement expansion doesn’t start in earnest until 2014, and even then the real spending doesn’t begin until 2015. According to CBO, from 2010 to 2014, the bill would cut the federal budget deficit by $124 billion. From that point on, it’s essentially deficit neutral — but that’s only because of unrealistic assumptions about tax and Medicare savings provisions. By 2019, the entitlement expansions to cover more people with insurance will cost nearly $200 billion per year, and grow every year thereafter at a rate of 8 percent. CBO says that, on paper, the tax increases and Medicare cuts will more than keep up, but, in reality, they won’t. The so-called tax on high cost insurance plans applies to policies with premiums exceeding certain thresholds (for instance, $23,000 for family coverage). But those thresholds would be indexed at rates that are less than health-care inflation — forever. And so, over time, more and more plans, and their enrollees, would bump up against it until virtually the entire U.S. population is enrolled in insurance that is considered “high cost.”
My main point in posting this is to say there could be doubt as to the CBO's estimates and the fact that all we do is keep spending money and creating deficits that worry the heck out of me for my future and my children and grandchildren. I just think there will be a time when all these deficits catch up with us, just like they always do with individuals and corporations who live on the edge. I read in USA Today the other day and I should have posted the day I read it, that federal government workers are getting a pay increase this year, I want to say 3%, but will have to go check again. What? The economy is in the tank, many people are being laid off and companies are reducing payroll and the federal government, with the biggest deficit of all is giving raises? That bugs the heck out of me.
|
|
| | | 1225 | Nuclear Gophers
ID: 7115138 Sun, Dec 20, 2009, 12:29
|
I tkink if the legislators started using common sense we would not be where we are. I have med insurance which covers my 2 kids and my wife and me. Will some body please tell me why my taxes are going to go up to cover people who do not have insurance. My responsibilities is to my family, period. If you raise my taxes I have to raise my prices (self employed painter and wallpaper hanger). I loose customers and income. I am 54 years old and I should not be worrying about people who are to lazy to excel themselves. I have been doing my job for 35 years and want to enjoy everything that I have now. Between 55 and 60 percent of the people do not want this but they are still ramming it through. Taxation without representation. Wow this is fun.
|
|
| | | 1226 | Tree
ID: 248472317 Sun, Dec 20, 2009, 12:48
|
I tkink if the legislators started using common sense we would not be where we are. I have med insurance which covers my 2 kids and my wife and me. Will some body please tell me why my taxes are going to go up to cover people who do not have insurance. My responsibilities is to my family, period
to me, that's a selfish opinion. in a nation such as ours, i believe health care is a right for every citizen. your taxes go toward repairing the roads you drive on, and paying the salaries of those who serve and protect you.
and ultimately, healthier citizens will reduce YOUR health care costs, so in the end, you are definitely getting back.
Between 55 and 60 percent of the people do not want this but they are still ramming it through. Taxation without representation.
i keep seeing this argument, and i don't get it.
Congress isn't selected. It's elected, and the majority voted for those who are currently in congress.
as far as i'm concerned, i am being well-served and represented by those i elected.
|
|
| | | 1227 | Nuclear Gophers
ID: 7115138 Sun, Dec 20, 2009, 13:05
|
Yes Tree that is a selfish statement. Iworked very hard for what I got and I just think my responsibilities are to my family first and no one else. You do make agreat point congress is elected not selected in which we as a country elected who is in office. Unfortunately we made are beds and we are sleeping in it. Hopefully for me that willchange in 2010. For now the majority is not being represented. But it is a cycle.
|
|
| | | 1228 | Tree
ID: 248472317 Sun, Dec 20, 2009, 13:25
|
Yes Tree that is a selfish statement. Iworked very hard for what I got and I just think my responsibilities are to my family first and no one else
i suppose this where we disagree. no one is denying you work hard.
but the roads you drive on, are paid for with taxes.
the police who protect you? your taxes pay their salary.
same for the fire department.
our military? your taxes.
and so on, and so forth. Taxes are a necessary evil in a civilized society.
|
|
| | | 1229 | Farn Leader
ID: 451044109 Sun, Dec 20, 2009, 13:28
|
For now the majority is not being represented.
How is the majority not being represented? Maybe I'm missing something but if a Congressman was elected then he received more votes than someone else. Therefore out of all candidates he/she is the one that the most people preferred. Wouldn't it stand to reason then that the highest percentage of people possible are being represented?
Unless you are insinuating that since the election the people that voted for each and every candidate have now decided they are no longer being represented. And I'd like to think that's a little unfair to assume.
|
|
| | | 1230 | Perm Dude
ID: 5510572522 Sun, Dec 20, 2009, 13:29
|
In the end, rights cost money, too.
Jedman's point is a good one about the CBO (echoing my earlier post). But the fact that much of the deficit savings is up-front is a very good thing for the estimates. The farther out those numbers go, the more of a mirage they are, IMO.
That said, a program which is only deficit neutral but still enlarges the insured pool by 30 million people is a very good thing.
|
|
| | | 1231 | DWetzel
ID: 33337117 Sun, Dec 20, 2009, 13:38
|
"Will some body please tell me why my taxes are going to go up to cover people who do not have insurance."
I'll try.
1. Because, in different ways, you're already paying for it. Hospitals have already priced in the cost of covering indigent people, including emergency room visits for both major and minor catastrophes, into the cost of health care for everyone else. Same way that Best Buy charges an extra $10 for that plasma TV because they've factored in their losses due to theft. (The difference is that, for most, treating the guy down the street who just had a massive heart attack is viewed rather differently than the guy who decided he wanted a free XBox.) The hospital has, basically, three choices.
They can refuse to treat anyone who can't afford the full cost of treatment. Which means, presumably, that you'd have to have an account set up ahead of time, because I can't see running a credit check while someone's bleeding out on the ER floor as a good thing.
They can price the cost of that care into their existing business.
They can go bankrupt.
Given that the last option really doesn't help anyone (and I don't think anyone really believes we have too much health care in this country), the choice is between #1 and #2.
Now, if you do decide to say "tough cookies" to anyone who cannot afford treatment now, then expect your costs of doing business to go up in other ways. That guy at the paint store who mixes you that off-white semi-gloss? He's either going to need to get enough money to pay for his health care, or have his employer provide it for him, or a significant number of people are going to say "screw it" and not work at all, because if their work doesn't provide them enough to take care of themselves in a decent manner, they may as well not work at all. Then your local paint store either has no staff, no paint to supply when the paint factory workers leave the job, or your supplies are going to cost significantly more than they did before.
You can make the argument that the existing health care system costs society less than the proposed one (or that it would provide worse outcomes for the same cost, which amounts to the same thing). That would be a reasonable argument to try to make. But you aren't making that so I won't bother responding to it. There are any number of links in the thread above you can follow to get that information.
2. Because participation in society is not "a la carte".
If I own no stocks, why should I care about having the SEC investigate stock fraud?
If I live on a farm, and never leave my rural county, why should I have to maintain the interstate highway system?
I don't think we should be fighting a war, so I'm not going to pay my taxes that go towards any military operations.
I don't have any kids in elementary school, why should I have to pay any taxes toward the elementary schools? (I do have a kid in high school, of course, so I want my taxes going there. But only there.)
The point is that collective taxation of a society for the things that benefit that society is the only way that a government works. You can't have people trying to only pay for the things that matter to them personally and still have a functioning government.
Now, you can make a philosophical argument that you don't believe that the health of the members of a society is of a concern to the society. I think I would disagree, and I think that if you reflected on it you probably would too. If not, well, I think most would disagree with you and leave it at that.
|
|
| | | 1232 | Seattle Zen Leader
ID: 055343019 Sun, Dec 20, 2009, 13:42
|
For now the majority is not being represented.
I have to agree with Farn here. Moderates and Liberals outnumber conservatives ~60-40. Since there is no room in the Republican party right now for moderates outside of Oly Snow and maybe two or three reps, I'd say that the majority of this nation, Democrats, are being adequately represented.
Yes, it's a cycle, but don't get your hopes up for 2010, the cycles last longer than that. Will conservatives finally accept minority status after Nov. 2010? I have my doubts.
|
|
| | | 1233 | Nuclear Gophers
ID: 7115138 Sun, Dec 20, 2009, 13:43
|
1229- your last line I agree with in accordance to healthcare. 1228-absolutely right but I was referring to healthcare. On the lighter side, youshould drive the roads in western PA. Wow are they a joke. Wish my tax dollars did a better job. 1230- Not with my money though. Maybe we should first figure out why there are 30 Million people uninsured. And really I think that number is a lot higher. See you at half time. LOL
|
|
| | | 1234 | Perm Dude
ID: 5510572522 Sun, Dec 20, 2009, 13:59
|
I'm not sure what you mean by "Not with my money though." The insurance exchange will not cost tax dollars. That is, just like someone else buying insurance doesn't cost you any direct money either.
The exchange makes it possible for people to buy insurance from insurance companies, and will nto cost any tax dollars. I suspect that this fact is being lost in all the rhetoric. Surely you are not against a program which allows people to buy insurance, does not cost the government money, and (probably) lowers the deficit in some way? Because that it the program we are looking at.
|
|
| | | 1235 | Guru
ID: 330592710 Sun, Dec 20, 2009, 15:08
|
Providing access to health care for 30 million Americans is no doubt a good thing, in concept. But the end does not necessarily justify the means.
Frankly, I put little faith in the CBO estimates. This bill is sweeping enough that it will bring about a lot of changes in the behavior of individuals, employers, and insurers. It is impossible to project the financial dimensions with any degree of credibility. But it is possible to craft provisions that are known to be valued favorably by the CBO - in effect, gaming the system. I have no doubt that this has happened. So I am very skeptical that this will turn out to be revenue neutral, let alone deficit reducing.
Second, I doubt that anyone really knows what is in this bill. And especially how it will impact behavior. Unfortunately, I have no reason to assume any credibility in the statements by proponents or opponents, because both have resorted to substantial demagoguery. And I certainly don't believe that most of the people voting on this bill have a grasp on it.
I am troubled by the notion that the government can levy a tax on me if I choose not to buy health insurance.
And if someone elects to go uncovered (by paying the tax), can they then elect to be covered later on if they do become ill? (Is that a pre-existing condition?) If so, isn't that a likely consequence? Or at least plausible? And if so, that will eventually raise the cost of insurance for all.
I am opposed to the government telling employers that they must provide a certain level of coverage for employees and their dependents. I fail to understand why this is an employer responsibility at all.
If savings in Medicare were possible, why shouldn't they have been enacted independently? I thought Medicare was headed toward bankruptcy. If so, are those savings really something that should be redeployed to other expenditures? What financial sense does that make?
I think that there are a host of problems with this bill that won't be understood for awhile. I would much rather have seen a more focused approach.
Finally, I'll be the first to confess that I have not studied this (nor read the bill) enough to understand the facts. But I'm pretty sure that much of what I have heard from politicians and pundits is misleading at best, and dishonest at worst.
|
|
| | | 1236 | Perm Dude
ID: 5510572522 Sun, Dec 20, 2009, 15:19
|
Good points, Guru.
But I'm pretty sure that much of what I have heard from politicians and pundits is misleading at best, and dishonest at worst.
This is the main reason why I don't put any faith in the results of the poll Baldwin links to in #1217. How many people polled believe that the bill does things which are simply not true?
I fail to understand why this is an employer responsibility at all.
Tradition, mostly. Just like the idea of a free market insurance industry. Frankly, it would be a much different field if we were starting it all over again. At this point, the bill tries to work with what we have and improve upon it (which is what makes most of the "socialist/marxist" and "Obamacare" cries so silly--if the Dems wanted to go that route the first thing they would do is scrap the current system, not work within it).
It would be better, IMO, to give that money to employees as increased wages and let them buy their own insurance. I suppose the ability of employers to negotiate for better rates is the tradeoff. But the disconnect between real costs and the insured is one of the biggest problems in the whole system.
That all said, the CBO makes some assumptions but they are pretty up-front with all their assumptions. An imperfect but best effort.
|
|
| | | 1237 | Guru
ID: 330592710 Sun, Dec 20, 2009, 15:30
|
I'm not saying that the CBO has an agenda, or that they aren't doing their best.
I am saying that a skilled bill writer can create provisions that will be scored attractively based upon an understanding of the CBO approach.
When I worked for an (evil) insurance company, we certainly did our best to understand how regulators and rating agencies scored various dimensions of risk, and capital adequacy, and reserves, and we often had incentives to write contracts in a certain way, or establish reserves using certain assumptions, or measure capital adequacy using specific methods. Sometimes, our decisions were guided not by what made the most eonomic sense, but by what would be viewed as OK by the regulator. And some of those decisions have come back to bite insurers in the butt, as risks were undertaken that were undetected because they were not scored properly. And that often wasn't because of any lack of integrity. It was simply playing the game by the rules as they were laid out, understood, and exploited.
I have no doubt that the same process has driven the features of this bill that will ultimately produce financial consequences well beyond the stated official estimates.
So when someone says this will save money over the long term, I can only chuckle.
|
|
| | | 1238 | Nuclear Gophers
ID: 7115138 Sun, Dec 20, 2009, 15:38
|
Why are we passing a bill when the reasons some democrats (maybe more then just some) are voting for it is because they got perks for their states. How can you immediately vote for a bill when the Reid ammendment was just introduced Saturday. Let us the people look at it and contact are Senators how we feel about it. Transparency-Sounds good pre election, what happen post election Why rush it through. Wait till after the holidays let us see it and go from there. I think you taking part Guru is a big help with this forum and other forums. Thank you.
|
|
| | | 1239 | Nuclear Gophers
ID: 7115138 Sun, Dec 20, 2009, 15:54
|
My point in my last post is that this bill has nothing to do with health care, it does have a lot to do with control of our lives. I know my responsibilities in my life, I dont need the government telling me what to do.
|
|
| | | 1240 | jedman Dude
ID: 315192219 Sun, Dec 20, 2009, 16:24
|
And they need to vote on it at 1 a.m because?
|
|
| | | 1241 | DWetzel
ID: 33337117 Sun, Dec 20, 2009, 16:40
|
Because they're going about it in an incredibly crappy way?
I don't think you'll find a lot of people defending that part of the process beyond saying "that's how it's been for a while".
However, noting that it's a crappy process does not lead logically to the conclusion that the entire thing must be crappy as well.
|
|
| | | 1242 | DWetzel
ID: 33337117 Sun, Dec 20, 2009, 16:46
|
"My point in my last post is that this bill has nothing to do with health care, it does have a lot to do with control of our lives."
I think that's a statement that, to put it charitably, is full of hyperbole and very very light on substance.
I assume you feel the same way about all other aspects of government intervention in people's lives?
|
|
| | | 1243 | jedman Dude
ID: 315192219 Sun, Dec 20, 2009, 16:53
|
When does all this legislation become effective?
I am changing my company's health plan in January (I am self- employed) so I am interested to see what, if any, effect this has on me as a small business owner.
I agree with Guru that the costs will be more than anybody anticipates, it always seems to happen that way with new government programs.
|
|
| | | 1244 | Perm Dude
ID: 5510572522 Sun, Dec 20, 2009, 18:59
|
None of the rules kick in until 2013, jedman.
As a self-employed person, you would have the opportunity to shop for new plans on the government exchange. You'll have more options to choose from, but it all depends upon the insurance companies themselves as to whether any particular plan is better or worse than what you have.
If you are making less than 400% of the poverty level you will be eligible for federal money to partially offset the cost of purchasing insurance.
Bottom line: The bill might help you, and (at worst) it would be exactly as it is right now for you.
|
|
| | | 1245 | Guru
ID: 330592710 Sun, Dec 20, 2009, 19:37
|
Amended bottom line: The bill might help you, and (at worst) it would lead to price increases in the same coverage that you currently have - possibly due to changes in pre-existing conditions limitations or additional taxes/fees levied on health insurers - which will ultimately be passed on to you.
|
|
| | | 1246 | holt Donor
ID: 308491916 Sun, Dec 20, 2009, 19:40
|
I think some people want to see a health care bill passed at any cost, regardless of what is actually in the bill. PD, could you read this article and then explain to me why you think it's inaccurate? I can't understand how any American can feel comfortable with the idea of congress ramming health reform through in its current form.
|
|
| | | 1247 | DWetzel
ID: 33337117 Sun, Dec 20, 2009, 20:06
|
holt,
First, I'd note that that's in the "opinion" section, not the "actual news" section.
That's a pretty bad hack job. I am not surprised that the WSJ would take that position--it seems clear that the insurance industries are not big fans of the legislation in question.
I assume first that one is willing to overlook the first four paragraphs (which are devoid of any substantive factual information whatsoever), but do contain the clever heart-string-tugging reference to World War I in there (I wager a large sum of money that the alternative would be that Congress isn't working hard enough if this was something the WSJ actually liked).
Rather than pick apart paragraph by paragraph, I'd note that if they've truly scrapped the 2,100 page bill in favor of a new one, I rather doubt the analysis (provided by the insurer, lol--rather like asking the foxes to analyze security for the henhouse) are even valid at this point.
|
|
| | | 1248 | Perm Dude
ID: 5510572522 Sun, Dec 20, 2009, 20:13
|
I actually read that article before, holt. It is mostly breathless, "I can't believe they make sausage this way" kind of stuff.
And the charge that this is "partisan" is somewhat funny, given the steps the GOP has taken to ensure that no Republican voices are included in the final plans.
Regarding WellPoint, unlike the CBO, we really don't know the assumptions that went into that single, insurance company analysis. It does look hinky from what I'm seeing, since it doesn't seem to take into account a number of exemptions (such as the sampled "small business with eight employees."). The stuff looks cherry-picked from what I see, glossing over the many people who don't have insurance at all in order to highlight some who seemingly will be worse (which I think overstates it, at absolutely worse).
Each yea we have thousands of people who die, and many thousands more who are not efficient from a work standpoint, all because of the lack of health insurance. Any bets as to whether those people entered WellPoint's modeling?
This is all of a piece with the hubris of an Administration that thinks it can substitute government planning for market forces in determining where the $33 trillion the U.S. will spend on medicine over the next decade should go.
This reveals a fundamental misunderstanding of what the Exchange does. What the bill does is allow people who don't have insurance to pool their resources to buy private insurance plans. It is, in fact, the market at work. Small businesses (who get really nailed in health care costs) can shop for better plans knowing that their 8 employees can get pooled with others to help drive down rates. I genuinely don't know how someone who seems to believe in market forces (such as that article's author) can look someone straight in the face and say that competition in the marketplace is a bad thing.
Guru's comment about being misleading certainly continues to apply to that article.
Will this all work? In theory it certainly does, and it does so by trying to utilize the free market. In 4-5 years will we see the health insurance reform utopia or the doom-and-gloom of the self-styled Paul Reveres? Probably somewhere in the middle, and far enough to the former to make many of those articles look a little silly, I think.
|
|
| | | 1249 | Perm Dude
ID: 5510572522 Sun, Dec 20, 2009, 20:15
|
I should note that there are large parts of the bill I don't like (and I hope to read if those parts are in the final bill early this week). I posted about my misgivings of those things very early in the thread.
But this debate has been more about things that simply aren't true--the debate about the debate, in other words. One can certainly be against this bill for all sorts of reasons, which makes some of the hyperbolic or fake reasons unnecessary.
|
|
| | | 1250 | Nuclear Gophers
ID: 7115138 Sun, Dec 20, 2009, 23:29
|
1241- Why sure its crappy why do you think they are ramming it through. Give me a reason why they have to vote on it before Christmas. 1242-Yes the less government the better I like it. Plus I am running my budget a heck of a lot better than they are running theirs. For example, if I bring in $50,000 and spend $100,000 I would be bankrupt. Thats what is going to happen to the US government, mark my words.
|
|
| | | 1251 | Nuclear Gophers
ID: 7115138 Mon, Dec 21, 2009, 00:02
|
Is that what you really want a bankrupt country. Or do you want 30 million people to be insured and still have 25 million not to be insured. Doesnt make sense. Why have a bill thats suppose to "insure everybody" but doesnt. Like I asked why are they pushing it so hard.
|
|
| | | 1252 | DWetzel
ID: 33337117 Mon, Dec 21, 2009, 00:05
|
NG, they don't HAVE to vote on it before Christmas. They could vote on it next week--and then you'd be complaining about why do they have to vote on it before New Year's.
They could hold off until February and you'd still be complaining about it ruining people's Valentine's Day dinners.
They could wait until next October and you'd be complaining about it being right before an election. Or you'd be complaining that it took so long and this is the best they could come up with?
What the heck does it matter WHEN they vote for it? That's a really irrelevant and silly argument to be making compared to the merits of the bill. It's just something that people bitch and moan about when they can't think of anything else to say.
This discussion/debate has been going on for basically twelve full months. It's not like they just decided to take up health care on Tuesday.
As to your other point, I assume you are in favor of legalizing drug use, same-sex marriages, and people carrying nuclear-charged grenades down the street? Government shouldn't be interfering with any of that stuff either.
|
|
| | | 1253 | Nuclear Gophers
ID: 7115138 Mon, Dec 21, 2009, 00:33
|
No I never said that. Ithink what Iam saying theReid ammendment was introduced yesterday (which was constructed behind closed doors)(transparency). Dont you think it would be a good thing for every body to read-examine it. Let the American people have an idea to understand it, have a debate, then vote. I dont know the merits of the bill that came out yesterday. If you do know the merits of the reid amendment, please I would love to hearit. 2nd part of your post Dont assume :) I am totally against legalizing drugs, same sex marriage, and people carrying nuclear charged grenades(terrorist). I am against raising my taxes to help pay for someone elses health insurance.
|
|
| | | 1254 | DWetzel
ID: 33337117 Mon, Dec 21, 2009, 00:55
|
How can you say that you're against government intervention in people's lives and not be in favor of all the things listed?
I think what you meant to say was that you are in favor of government intervention as long as it isn't intervening against your personal pocketbook.
|
|
| | | 1255 | Seattle Zen Leader
ID: 055343019 Mon, Dec 21, 2009, 01:05
|
I am totally against legalizing drugs
So, YOU are the one. I was wonder who it was who was behind this whole drug war, it's nearly impossible to find anyone who agrees with you on that issue, Gopher.
Any bill that is true health care reform is going to accused of having been "rammed down our throats". Y'all have had your throats in an iron clasp for over fifty years, it's time to open up and take your medicine. Believe me, you'll feel better.
Here's the difference between Republicans in power and Democrats: When the GOP has a majority, you cut taxes like fools and the Democratic party rightfully screams and yells, says you are "ramming this down our throats", it's all gloom and doom... and we are right. People wake up, cut the GOP loose, the Democrats pass progressive legislation, y'all scream and yell "throats", gloom and doom... and you are wrong. You are wrong every time, Social Security, Medicare, Civil Rights Act, Endangered Species Act, Head Start, now health care for all. You'll realize your mistake someday.
|
|
| | | 1256 | jedman Dude
ID: 315192219 Mon, Dec 21, 2009, 01:40
|
So who is to blame for all the unfunded liabilities for Social Security and Medicare that are going to have to be dealt with in future years? And regardless of who is to blame, how will they be funded?
Do any of you here who lean more to the left worry that at some point the money just won't be there? I'm not saying there is no Republican blame for the problems that are out there, but all I see are new programs and more spending when we are broke to start with.
|
|
| | | 1257 | Boldwin
ID: 101121213 Mon, Dec 21, 2009, 04:21
|
Yeah, the Hastings Center has a plan for that. Kill the bulge in the python [baby boom] with neglect.
"Take two pain pills and don't see me in the morning".
|
|
| | | 1258 | Nuclear Gophers
ID: 7115138 Mon, Dec 21, 2009, 08:37
|
1254- the second part of your post-as ed mcmahon use to say "you are correct sir". 1256- we still have cap and trade ahead of us. more government intervention. November 2010 is going to be a real bloodbath for the democrats. There was a lady at a Spector town meeting back in August who said "you have awoken a sleeping giant" I really dont think people realize how large this giant is and how much bigger its going to get. Be prepare for the big push on cap and trade. this is their only shot.
|
|
| | | 1259 | Tree
ID: 248472317 Mon, Dec 21, 2009, 10:03
|
As to your other point, I assume you are in favor of legalizing drug use, same-sex marriages, and people carrying nuclear-charged grenades down the street?
to point out the differences in your above 3 examples, i'm going to cite my belief that one's rights and freedoms end when they impinge on another's.
your first two examples don't really have an effect on others.
Smoke pot in your own home, grab a pint of Ben & Jerry's, and watch a Cops marathon, and you're all good. Marry a partner of the same sex, and no one else is worse for the wear.
but carry that nuclear-charged grenade down the street, and it's whole other kettle of fish altogether.
|
|
| | | 1260 | Nuclear Gophers
ID: 7115138 Mon, Dec 21, 2009, 10:21
|
1255-well after the vote on cristmas eve it looks like it goes to conference, So not all is lost. Im sure the congress will hear from the people after they have seen it. USA today has a snapshot of both bills. What I can see it would be better to take the penalty than to buy insurance for some people. Does that mean we will have more uninsured people than before especially after the first year. Am I reading that right.
|
|
| | | 1261 | Guru
ID: 330592710 Mon, Dec 21, 2009, 10:42
|
I'm really hoping that this leads to a viable "throw the rascals out" movement. It would be a good thing to have a major turnover in both the House and the Senate. Republicans and Democrats alike. "Business-as-usual" has become too detached from what most people consider ethical government (an oxymoron if ever one existed).
Probably won't happen, although Chris Dodd is clearly on the ropes in CT - with good reason.
I do think that if the devil in the details of the ultimate Health Care bill is as feared by some, this could make Obama vulnerable in 2012 - if he isn't already. But that also depends on the Republicans putting up a viable candidate that can capture the middle. After McCain, they will probably be reluctant to try that route.
Of course, 2012 is a long way off. But a filibuster-proof Senate majority looks tenuous after 2010, which is no doubt one reason that the Dems are anxious to move fast.
|
|
| | | 1262 | DWetzel at work
ID: 49962710 Mon, Dec 21, 2009, 10:54
|
Tree: It's only a different kettle of fish when I actually use it. (Assuming it's properly cased to avoid radiation, of course, lol).
Possibly a poor example. I was merely trying to point out the hypocrisy in NG's position that he was against government intervention, when he is clearly in favor of government intervention against other people when it suits him.
It's a fairly typical stance, but I wanted to make sure I wasn't assuming incorrectly.
|
|
| | | 1263 | Tree
ID: 248472317 Mon, Dec 21, 2009, 11:40
|
But that also depends on the Republicans putting up a viable candidate that can capture the middle. After McCain, they will probably be reluctant to try that route.
although this is a different topic altogether, I think one of the problems that Republicans ran into by running McCain was a virtual character assassination by the more Right wing members of the party.
additionally, McCain didn't know which candidate he wanted to be - the Middle of the Road guy that got him to where he was; or the Right of center candidate fringe elements of the party wanted him to be.
by trying to be both, he managed to thrill neither.
The old adage is to go with what brung ya to the dance. Although I'm not sure that would have been enough to stop the Obama juggernaut, i feel like it would have at least made it a closer race, and put the Republicans in better shape for 2012.
Right now, i think 2012 is a mess for them.
|
|
| | | 1264 | Perm Dude
ID: 5510572522 Mon, Dec 21, 2009, 11:42
|
Republicans are likely to make some inroads into Congress, but as for the Presidency I don't yet see any Republican under which they can rally.
Continuing to be the party of "no" can have some short-run success, IMO, but has severe backlash possibilities in the medium and long-terms.
|
|
| | | 1265 | holt
ID: 427111315 Mon, Dec 21, 2009, 11:42
|
Seattle Times: President Obama, Congress should set health-care reform aside
This is a change of position for us. This page supported Barack Obama for president, enthusiastically. We have supported the health-care effort until now. We still support universal coverage as a social goal.
But the longer the fight goes on, the more it feels that the timing is all wrong. The economy is wounded. Employers are hurting. The time to think about loading employers with new burdens is when they are strong. Not now.
That editorial probably describes the way a lot of people feel. Basically that health care reform is needed, but do it right, and do it at the right time, please.
I'd feel a lot better if I believed that government spending, unemployment, and the value of the dollar are priority one for Congress (well two, after national defense).
|
|
| | | 1266 | Perm Dude
ID: 5510572522 Mon, Dec 21, 2009, 11:45
|
Many on the Left are getting a little antsy because they see their progressive agenda getting negotiated away in the process. It is almost funny (to me) seeing their dismay as they realize that Obama is not the leftist they thought he was.
|
|
| | | 1267 | Pancho Villa
ID: 29118157 Mon, Dec 21, 2009, 11:52
|
well two, after national defense
National defense against who?
The great military powers of the world are experiencing less conflict with each other than any time in recorded history.
The irony is that China, second to the US in military spending, is borrowing money to us so we can spend huge sums in long wars that have nothing to do with defending our country.
You can't frame an economical argument around health care issues and ignore, or support, the money this country fallaciously spends in the name of national defense.
|
|
| | | 1268 | Nuclear Gophers
ID: 7115138 Mon, Dec 21, 2009, 12:44
|
1264-The democrats being a party of pushing anything through so they can control everything will be enough for the gop to take a lot of seats. I fthe democrats keep doing this someone will emerge. 1262- its a fairly typical stance that a lot of people are moving towards or have already been at. And one more thing, Moderators be ready for this one I HATE THE SNOW ALREADY
|
|
| | | 1269 | Frick
ID: 9103036 Mon, Dec 21, 2009, 12:48
|
I found this link today and wanted to see if the points listed here are true.
Kill the Senate Bill
|
|
| | | 1270 | Nuclear Gophers
ID: 7115138 Mon, Dec 21, 2009, 12:57
|
I cant wait to see how the Dems are going to please the unions. What I have seen and heard they are pretty upset about this. With Stearn and Obama being pretty close there has to be some back door dealings going on. Dont you think?????????
|
|
| | | 1271 | Perm Dude
ID: 5510572522 Mon, Dec 21, 2009, 13:00
|
It is going to be a lot like Clinton: Where are the unions and the progressives going to go? Like the gay rights groups, they'll support him grudgingly while trying to push him leftward.
|
|
| | | 1272 | Nuclear Gophers
ID: 7115138 Mon, Dec 21, 2009, 13:02
|
1269=reading that,I would like the Democrats here explain how this is a good bill. Would you vote for it. All this to insure 35 million, still leaving behind 25 million. Its not about health care, its about control.
|
|
| | | 1273 | Nuclear Gophers
ID: 7115138 Mon, Dec 21, 2009, 13:05
|
1271- Someday I see at least 4 types of parties Progressives, conservatives, Republicans, ahd Democrats geeeeesh
|
|
| | | 1275 | holt
ID: 427111315 Mon, Dec 21, 2009, 13:10
|
Re. 1267 : National defense is always priority 1, that's all. I wasn't claiming that we should be dumping all our money into it or that it had anything whatsoever to do with health care. I just stuck it on there because if I didn't someone would inevitably correct me and say that national defense is more important than unemployment.
|
|
| | | 1276 | Pancho Villa
ID: 29118157 Mon, Dec 21, 2009, 14:11
|
National defense is always priority 1, that's all
And my point is that the definition of national defense changed radically after WW2.
I'm on a short lunch break and don't have time to find the link, but my recollection of what what passed last week was 680 billion for defense budget and 180 billion separately for Iraq and Afghanistan.
Every industrialized country which has a universal health plan spends a fraction of what we spend on national defense, due in large part because we are providing their national defense.
|
|
| | | 1277 | Perm Dude
ID: 5510572522 Mon, Dec 21, 2009, 14:28
|
That's absolutely true, PV. We might as well call it International Defense.
|
|
| | | 1278 | Boldwin
ID: 101121213 Mon, Dec 21, 2009, 14:55
|
seeing their dismay as they realize that Obama is not the leftist they thought he was. - PD
At least as it pertains to the medical takeover bill He is the most leftist, but he just wants the legislature to take the political hit from passing it. He doesn't care how many of them lose their seat in 2010. He's just going to take credit for whatever passes no matter what. And he's patient no matter how many cycles of sabotage and leftward creep it takes to get all the way there.
He gets the 'slow march' strategy where his less schooled, less in tune with Gramsci/Alinsky radical pals don't.
|
|
| | | 1279 | Perm Dude
ID: 5510572522 Mon, Dec 21, 2009, 15:05
|
Taking the larger & longer picture isn't necessarily an indication that Obama is slowly marching us toward Marxism. It is a sign that there is a grownup in the White House willing to work on issues which are extremely difficult to work on from a political standpoint.
There are quite a few people with pre-written criticisms of Obama who are just waiting to plug them in. Obama sticks to a plan? He's stubborn! He changes his mind based upon new information? He's a flip-flopper! He doesn't give in to the Progressives and actually works with the free market system we have? He's taking a "slow march"!
Again, there are parts to this bill I really, really don't like. But using continuing to describe Obama as a secret Marxist doesn't help the conservative cause.
This could have been a hell of a lot better bill if the GOP had been willing to work on it. The Stimulus Bill was a better bill because of GOP input, even though they all voted against the final bill.
Deciding that they are going to take their minority ball and go home on important issues doesn't serve the country, or their constituents, in any meaningful way.
|
|
| | | 1280 | Frick
ID: 9103036 Mon, Dec 21, 2009, 15:18
|
Re: 1279
Do you feel that the current bill is attempting to fix the underlying issues? I think the healthcare system in the US needs to be changed, but this bill is not attempting to do that IMO.
|
|
| | | 1281 | Perm Dude
ID: 5510572522 Mon, Dec 21, 2009, 15:49
|
That's a tough question, Frick, and I wish I had time to answer it more fully (I'm going out of town tomorrow night and cramming in everything before then is a little iffy!).
The problem, IMO, is that there are a number of problems all clamoring for attention. Some of them can get solved at the same time, but some are in competition.
For example, the Medicare expansion pushed through in the last Administration had the increased costs pulled directly out of the General Fund. It was a huge unfunded expansion in other words. If unchecked this will really cause some budgetary problems in the next 10 years (about 15 years before Social Security becomes a real problem, in other words).
Other problems: under-insured and non-ensured people are a large financial drain on health care, and those people also are typically less healthy and less efficient at work than others (to say nothing of those thousands who die every year). Portability and pre-existing condition barriers need to be reduced, and consistent and universal billing standards need to be implemented (such standards are opposed by insurance companies, who like the barriers to entry into the field such proprietary systems bring to the table).
This bill only works on some of those underlying problems mostly because I don't think that they can all be addressed at once.
Honestly, if this bill can bring more uninsured into the system and is (at worse) revenue neutral, then it is a small win. There are just so many problems with the system that any forward progress is good. We're dying by a thousand cuts the way it is right now, and I wish that people realized a little bit better the role that health care costs are in their lives.
[As I mentioned above, the disconnect between health care costs and the insured is a real problem. On average, employers are paying nearly $10,000 per employee per year for health care costs. That money is coming from somewhere, mostly in wages not paid]
|
|
| | | 1282 | bibA Leader
ID: 261028117 Mon, Dec 21, 2009, 17:16
|
I think the healthcare system in the US needs to be changed, but this bill is not attempting to do that IMO.
Do you think there is even a remote possibility that a bill could be drafted that would make the changes needed, and one that would receive the necessary votes?
What would you include in such legislation?
|
|
| | | 1283 | DWetzel at work
ID: 49962710 Mon, Dec 21, 2009, 17:46
|
"Do you think there is even a remote possibility that a bill could be drafted that would make the changes needed, and one that would receive the necessary votes?"
I'll answer that one: No way.
Because to do it right would involve scrapping things and starting over, which is completely impossible logistically, and even if it WERE possible logistically, there are too many people with too much invested in the current system to ever let it happen.
|
|
| | | 1284 | Pancho Villa
ID: 29118157 Mon, Dec 21, 2009, 18:00
|
It should have been simple/stupid.
Set up a government option for those without insurance, and specify the qualifications to only those not currently insured or those who lose their insurance through job loss or even job attainment which moves a person into a higher pay scale that makes them no longer eligible for Medicaid.
I'm thinking 10 pages, mostly dedicated to establishing how to much to pay based on a graduated scale similar to income tax. Oh, and make it voluntary.
|
|
| | | 1285 | biliruben
ID: 461142511 Mon, Dec 21, 2009, 18:52
|
The insurance model for healthcare is a flawed model.
If you don't have car insurance, and you crash into a wall, you are out a car.
If you don't have homeowners insurance and your house burns down, you are out a house.
If you don't have life insurance and you die, you are dead and your surviving family has to make do as best they can.
If you don't have health insurance, you still get healthcare, just in a more inefficient, ineffective and expensive manner.
The basic idea around insurance is to take preemptive action to guard yourself and your family against some sort of catastrophic loss from which you would not be able to maintain their current standard of living.
I could see the need for building some sort of Cadillac private catastrophic care into the system, but even that - no one will be or should be denied that kind of care. Insurance is this environment is a round peg in a square hole.
I think most thinking people realize this, and realize we should just burn the health insurance companies down. Unfortunately, that isn't not politically feasible.
|
|
| | |
| | | 1287 | walk
ID: 291046510 Thu, Dec 24, 2009, 10:33
|
Seante just passed the healthcare bill. Now it's back to the House to iron out the differences, some of which are substantial. It's a shame that such partisan divides occcurred with this bill. Appaeretly, the partisan politics are at one of our all-time lows. Krugman commented on this last week, and the NYT has article about it today, too. Ultimately, as Krugman indicated: "How will we govern this country with such a dysfunctional parliament?"
NYT, Healthcare Shows Extreme Partisan Vitriol
Krugman, Dangerous Dysfunction
|
|
| | | 1288 | jedman Dude
ID: 315192219 Thu, Dec 24, 2009, 10:42
|
My parents went their whole life and my whole childhood without any medical insurance. If you got sick, you went to the doctor and paid for it. I think I had my tonsils out in 1958 for $200. Going to the doctor was not an expensive thing to do for minor illnesses. I broke a collarbone, had some stitches, etc. but it was just paid for. I realized we were lucky that we had no major hospitalization. It would be impossible to do that now since things cost so much. Amazing how much things have changed. 3 years ago I had a brain hemorrhage and went to emergency. Sat there for 2 hours before they would see me. My helicopter ride to Stanford Hospital, about a 15-20 minute flight was $12,500!! The costs are just so out of control. I am in the middle of changing my company insurance to Kaiser Permanente. 8 employees, one family, a few just child and spouse. It will cost me about $45,000 per year for a plan that has a $1,500 deductible per person. Health care costs are way out of whack and I'm not sure they will ever get better.
|
|
| | | 1289 | Perm Dude @ PEI
ID: 137321812 Thu, Dec 24, 2009, 10:53
|
Good points, jedman. Small business are getting absolutely hammered in health care insurance.
|
|
| | | 1290 | walk
ID: 291046510 Thu, Dec 24, 2009, 10:57
|
Wow, some personal stories there, jedman. I feel good that we are potentially on the verge of passing this legislation, even if it is very watered down from what it was. I am quite bothered by how this can be so partisan, and that dismays me. I think a country such as our's should not have millions of uninsured, should not have thousands who go bankrupt because of illness, and should not have folks lose insurance due to serious illness or be denied insurance due to pre-existing conditions. I'm pretty socialist on this one, and cannot fathom how healthcare is a for-profit business. That is anti-thetical to me. Folks should not be making profit on others' illnesses...it's not humanitarian. We won't be changing that philosophical approach, but we will be cutting into it, and I have no problems with that. I'll also likely see a rise in my personal taxes, both in terms of my "cadillac" plan and my overall income, but think it's worth it.
|
|
| | | 1291 | Guru
ID: 330592710 Thu, Dec 24, 2009, 11:04
|
Connecticut Governor asks state Attorney General to be ready to sue federal government. At least seven other state Governors are considering similar action.
"If this bill passes into law in its present form, I am asking you to immediately pursue legal action on behalf of the State of Connecticut to ensure that Connecticut also receives the 100 percent reimbursement of costs for this underfunded federal mandate," Rell wrote. "Our 50 states should be treated equally; no preference should be given to one state over another.
|
|
| | | 1292 | Perm Dude @ PEI
ID: 137321812 Thu, Dec 24, 2009, 11:12
|
Such a suit would be a non-starter--SCOTUS gives Congress great latitude in spending matters. Legally a non-starter, anyway. A great way for Republican governors to grandstand while spending taxpayer money to do so.
|
|
| | | 1293 | walk
ID: 291046510 Thu, Dec 24, 2009, 11:41
|
This connecticut lawsuit is in response to the Senator Nelson of Nebraska provision thing. I did not like that deal, and feel it is inappropriate, but am not sure what the impact is.
|
|
| | | 1294 | DWetzel
ID: 278201415 Thu, Dec 24, 2009, 11:45
|
Rell is right morally, but (unfortunately) probably wrong legally.
It would be awesome if these sorts of deals were not legal; it'd take quite a bit of vote-buying off the table. Not going to happen unfortunately.
|
|
| | | 1295 | Perm Dude @ PEI
ID: 137321812 Thu, Dec 24, 2009, 11:47
|
Conn has been the beneficiary of many of these deals themselves. It is how things get done. It isn't a bad thing, IMO, since otherwise no national actions could happen.
|
|
| | | 1296 | Guru
ID: 330592710 Thu, Dec 24, 2009, 11:55
|
In fact, Chris Dodd got a provision inserted that he hopes to use to get $100 million toward rebuilding a new hospital for UConn.
|
|
| | | 1297 | Guru
ID: 330592710 Thu, Dec 24, 2009, 12:02
|
It is how things get done. It isn't a bad thing, IMO, since otherwise no national actions could happen.
Can't agree with that sentiment, PD. Sounds like a perfect recipe for a minority to bribe their way to a majority.
If national actions can't attract a majority on their own merit, then maybe they shouldn't happen.
|
|
| | | 1298 | DWetzel
ID: 278201415 Thu, Dec 24, 2009, 12:02
|
"Conn has been the beneficiary of many of these deals themselves. It is how things get done. It isn't a bad thing, IMO, since otherwise no national actions could happen."
Huh? This makes no sense. If there were no special deals available, people would vote on the merits of something instead of dragging things out and abusing their position to get some goodies.
|
|
| | | 1299 | Nuclear Gophers
ID: 7115138 Thu, Dec 24, 2009, 13:13
|
Wait till you see the deals going on to get this on the Presidents desk. The money is going to be flying all over the place to get people to vote for the final bill. The people of the congress are going to hold out to get money for their districts and states. They are not stupid, look what this senator got for his vote, what can I get for my vote. Bribes........... Dont forget this money is our tax dollars.
|
|
| | | 1300 | Guru
ID: 330592710 Thu, Dec 24, 2009, 13:44
|
House Republicans should just bribe the 34 California House Democrats, which would completely reverse the head count majority that Dems currently enjoy in the House.
Draft an alternative Republican health care bill that includes a material tax credit for all Californians. Could be an income tax credit, or a health premium tax credit, or perhaps just a simple stimulus payment to all Californians. Probably no reason that it needs to relate to health care.
Why not? The Dems have shown them how to do it, and that apparently anything like this will fly as "business as usual."
I guess the problem is that this wouldn't produce a veto-proof majority. May need to pay off New Yorkers as well.
If that's too expensive, then just pay for it by reducing Medicaid payments to some of the other blue states.
Sounds like an effective way to get some national measures passed.
|
|
| | | 1301 | walk
ID: 291046510 Thu, Dec 24, 2009, 14:41
|
I don't think these deals are cool, but realize they are part and parcel with our parliamentary tactics for a long time. I also don't think the minority wants healthcare passed. I think the majority want it passed and the minority are loud (and wrong).
|
|
| | | 1302 | Tree
ID: 248472317 Thu, Dec 24, 2009, 14:49
|
Why not? The Dems have shown them how to do it, and that apparently anything like this will fly as "business as usual."
while it's not exactly the most "honest" way to get someone to see things your way, this is hardly something new, and it's been part of congress for eons.
to blame the current crop of Dems for this is to ignore history.
|
|
| | | 1303 | DWetzel
ID: 33337117 Thu, Dec 24, 2009, 14:51
|
It's complete BS, by the way, for the Republicans in Congress to act like this is some shocking new method of getting things done that they wouldn't have done given the same circumstances.
To say something like "Why not? The Dems have shown them how to do it, and that apparently anything like this will fly as "business as usual" implies that this kind of dealing is completely new to Congress, and that's (to put it delicately) a big fat whopper of a lie.
|
|
| | | 1304 | Guru
ID: 330592710 Thu, Dec 24, 2009, 15:03
|
while it's not exactly the most "honest" way to get someone to see things your way, this is hardly something new, and it's been part of congress for eons.
to blame the current crop of Dems for this is to ignore history.
I didn't mean to imply that the Republicans haven't done the same thing. I know they have. Sorry that my post was misleading in that respect.
Doesn't make it right that the Repubs have done it, too. Doesn't even make it tolerable, IMO.
This time, it's getting more national notice - which I think is good. Perhaps that will promote more public outrage. Of course, there's no evidence that public outrage really matters on issues like this.
I also don't think the minority wants healthcare passed. I think the majority want it passed and the minority are loud (and wrong).
Perhaps true, perhaps not. Recent polls aren't necessarily supporting the view that the majority of the public wants this bill passed.
Regardless, it's irrelevant to the point I'm making here.
|
|
| | | 1305 | Guru
ID: 330592710 Thu, Dec 24, 2009, 15:09
|
Too often, we tend to react to outrageous situations like this by saying "But the other side does/has done it too."
That's the same cry that some people in this forum recently asserted when I called them out on abusive behavior. "But the other guys does it too." Or, "but he started it." Or, "but what are you going to do about Joe Schmo and Bill Blowhard?"
If that's is the prevailing attitude, then bad behavior is never corrected. I rejected those excuses, and I reject the assertion that "the Repubs do it too" as completely irrelevant. You don't excuse improper behavior by saying that everyone does it.
|
|
| | | 1306 | Perm Dude @ PEI
ID: 137321812 Thu, Dec 24, 2009, 16:23
|
If Dems are already in the minority, it would be a wash for members to switch parties to help the other side get a majority.
But large omnibus pieces of legislation often involve tradeoffs of one sort or another.
|
|
| | | 1307 | Nuclear Gophers
ID: 7115138 Thu, Dec 24, 2009, 17:10
|
Beck Limbaugh Hannity Schultz Olberman Maddow all do it. The media is sure to point out that if someone does something wrong, they will go back to find the other party has done the same thing. 2 wrongs dont make a right. Playground behavior. The above mention, and I think this is a very important point, do it to sell soap.
|
|
| | | 1308 | jedman Dude
ID: 315192219 Thu, Dec 24, 2009, 17:37
|
I have what may be a naive question and I apologize if it was discussed before, but I don't feel like reading through 1200 posts to check.
The way I understand the reason for the health care bill is that we are trying to provide health insurance for those that don't have it. Could there not be some sort of major medical insurance provided to those people at a significantly reduced cost so that a major medical emergency would not bankrupt them? If at some later point, they are working someplace that offers a better plan, they could go for that one. Minor things and routine medical visits would have to be paid for by them. It just seems to me that something that could be pretty simple is being made very complicated with so many other things being put in the bill that have nothing to do with the main argument for the uninsured. I know this is pretty simplistic, but I just wonder if there isn't a simpler way to fix the main problem that people are worrying about.
|
|
| | | 1309 | Nuclear Gophers
ID: 7115138 Thu, Dec 24, 2009, 18:04
|
1308-The old KISS adage Keep It Simple Stupid. I couldnot agree with you more. You can cut out a lot of waste some where in the government to pay for it. For that fact you can cut a lot of waste to pay for a lot of things. But we are talking about the US Congress.
|
|
| | | 1310 | Nuclear Gophers
ID: 7115138 Thu, Dec 24, 2009, 18:07
|
And another thing-I wonder when the polls will show that the progressive movement is against this bill. I think the polls will eventually show 65% or even more will be against this bill. Already at around 60%.
|
|
| | | 1311 | bibA Leader
ID: 261028117 Thu, Dec 24, 2009, 18:20
|
Gonna give away my age.....I can recall that during my teen years, many said that civil rights legislation should and need not be passed, because the majority of us did not need or want it. Would that have made it right, to take the conservative tack, which was that it was best to leave things as they had been, that the majority of us were happy and satisfied?
I would venture a guess that over half of us have decent health care now. Legislation such as this is often unpopular with the higher percentages who already "have theirs".
|
|
| | | 1312 | jedman Dude
ID: 315192219 Thu, Dec 24, 2009, 18:39
|
For me, the problem isn't trying to provide insurance for those who don't have access to it, it's how much more than that they are trying to do and I think that is what is scaring people.
I do think what biba says has some truth to it. Many times those of us who have are more apt to think things aren't as bad as they are.
|
|
| | | 1313 | Nuclear Gophers
ID: 7115138 Thu, Dec 24, 2009, 19:03
|
1311, 1312-we have it because we are responsible people, its our job to care for us. If any left over charities. My responsibility is my family first.
|
|
| | | 1314 | J-Bar
ID: 4411142418 Thu, Dec 24, 2009, 19:14
|
Do all the sweetheart buy-outs also go into the CBO cost estimates or whatever cost estimates that want to be used?
|
|
| | | 1315 | DWetzel
ID: 33337117 Thu, Dec 24, 2009, 20:47
|
"If that's is the prevailing attitude, then bad behavior is never corrected. I rejected those excuses, and I reject the assertion that "the Repubs do it too" as completely irrelevant. You don't excuse improper behavior by saying that everyone does it. "
I don't disagree with that. But it severely lessens the legitimacy of criticism of the practice when the same people doing the criticizing were cheering on the exact same behavior a few short years ago.
For the record, no I do not think this is the right way to go about business. I wish it could be made illegal and not just unethical.
|
|
| | | 1316 | DWetzel
ID: 33337117 Thu, Dec 24, 2009, 20:49
|
"Do all the sweetheart buy-outs also go into the CBO cost estimates or whatever cost estimates that want to be used? "
Probably.
"1311, 1312-we have it because we are responsible people, its our job to care for us. If any left over charities. My responsibility is my family first. "
Not to pick on you, but at which point do you have anything "left over" if your family is your concern? You can always do more for your family.
|
|
| | | 1317 | Tree
ID: 248472317 Thu, Dec 24, 2009, 21:19
|
Too often, we tend to react to outrageous situations like this by saying "But the other side does/has done it too."
that wasn't my point.
my point was that this behaviour is nothing new, and, it's basically how business is done in DC. it's not the best, but it's also not something that is likely to change.
|
|
| | | 1318 | Nuclear Gophers
ID: 7115138 Thu, Dec 24, 2009, 22:14
|
,D Wetzel I dont feel picked on, Basically my only real consistent charity is my church. But I do it within my means.
|
|
| | | 1319 | Nuclear Gophers
ID: 7115138 Thu, Dec 24, 2009, 22:20
|
1315-I totally agree with your post, I think we are frustrated with the whole system, and we should have been critisizing a long, long, long time ago. I for one am quilty of it. If anything good comes out of this are all the people that have gotten interested in the political arena.As the saying goes never to late.
|
|
| | | 1320 | biliruben
ID: 16105237 Sat, Dec 26, 2009, 02:03
|
I don't have a sense of how much horse-trading goes on, and whether this is more or less than usual.
I do think that the dems in the Senate were forced to do this because Republicans have chosen to filibuster every single thing brought to the floor. This allows any one Senator to extort their pound of flesh.
The filibuster has never been used in this way before, and is harming our democracy in a fundamental way.
|
|
| | | 1321 | Nuclear Gophers
ID: 7115138 Sat, Dec 26, 2009, 08:14
|
I dont think we had a bill that was so disliked by Dems and REps (for different reasons)in a long while. I think the actions of the unhappy dems and reps is why you are seeing so many filibusters. Checks and balances.This is a very good thing. More people have gotten involved in the process. I really do think after this is all said done,some heads are going to roll. I just read where the progressives want an investigation into emmanual over his stay on Freddie Mac or Fannie Mae(sorry to early in the morning) board. Progressives are not very happy. Iwould like to read more on the emmanual story.
|
|
| | | 1322 | Nuclear Gophers
ID: 7115138 Sat, Dec 26, 2009, 08:17
|
How big is the progressive party? I really dont know, I understand that alot of the progessives are between the age of 20-35. Any body here a progressive.
|
|
| | | 1323 | biliruben
ID: 16105237 Sat, Dec 26, 2009, 09:21
|
As far as I know, progressive is equivalent to liberal. And yeah, I'm progressive, or even farther left.
I wasn't just talking about this bill. Republican's filibuster every single piece of legislation, effectively meaning you need a super-majority to govern at all. This is unheard of in the history of our country.
As far as I can tell, it means the Republicans have ceded their governing responsibility in it's entirety.
|
|
| | | 1324 | Tree
ID: 248472317 Sat, Dec 26, 2009, 09:44
|
As far as I can tell, it means the Republicans have ceded their governing responsibility in it's entirety.
it's as if the politicians - on both sides of the aisle, actually - have this superfear of the far right.
and yes, the far right is scary. i shudder to think what might happen to our Civil Rights, our Religious Freedoms, and the inclusive-nature of this nation that has made it the thriving country much of the world envies.
but the far right is still a minority. a loud, honking, middle-finger throwing and gun-pointing minority, but one that kowtowing to could have dangerous repercussions for generations.
|
|
| | | 1325 | Nuclear Gophers
ID: 7115138 Sat, Dec 26, 2009, 10:10
|
1324-I am the far right. The only time I am loud is at a sporting event.The only time I honk is when I am in danger in my car. I dont throw the middle finger, and the only time I point a gun is during Hunting season legally.
|
|
| | | 1326 | biliruben
ID: 16105237 Sat, Dec 26, 2009, 10:15
|
Don't mind Tree and broad badly-aimed stereotypes.
He just moved from NY to Texas, and it's apparently made him cranky.
|
|
| | | 1327 | Perm Dude @ PEI
ID: 137321812 Sat, Dec 26, 2009, 10:17
|
I think Tree means "wacky right" when he says "far right."
You're not a member of the John Birch Society, are you? They are certifiable, IMO. And they are co-sponsoring next year's CPAC, which just goes to show how far off the rails the conservative movement has become.
It really is to bad that thoughtful, smart people like NG (and others) have their politics represented by a lot of yahoos.
|
|
| | | 1328 | Tree
ID: 248472317 Sat, Dec 26, 2009, 11:35
|
1325 - 1327.
i generalized. lol. i shouldn't have. i probably should have said, as PD pointed out, the "wacky right".
additionally, i should have said "much of the far right", instead of painting all of y'all with a broad brush.
specifically to NG - best be careful how you classify yourself. The Right seems to do a good job of excluding other who think they're on that side of the aisle, because they're not far enough to the Right for their own taste. ;o)
|
|
| | | 1329 | bibA Leader
ID: 261028117 Sat, Dec 26, 2009, 12:24
|
Rather than lecture others about where they place themselves on the political spectrum, one might remember that they are also somewhere on the spectrum. He might feel he is a liberal, but are in the same position re how others may view him as either not liberal enough, or too liberal.
The same guy may even be farther to the right than NG in some areas, say the policies of Israel vis a vis their Palestinian neighbors.
|
|
| | | 1330 | Nuclear Gophers
ID: 7115138 Sat, Dec 26, 2009, 12:43
|
To tell u the truth I really dont worry how I am classified, as I am sure your not to worried about it either. I do have 1 very liberal freind who we are going out to dinner with tonight, but we dont talk much about politics, mostly kids and family. We do have discussions about some politics, but it mostly ends up agreeing to disagree. I do live in a rural area north of Pittsburgh, pretty red area. So probably 60-70% are republicans and think the same way I do.
|
|
| | | 1331 | Tree
ID: 248472317 Sat, Dec 26, 2009, 14:07
|
So probably 60-70% are republicans and think the same way I do.
Republican, and far right, are different entities altogether. remember, we have board members here who would declare you a RINO if you don't believe the same way as they do.
|
|
| | | 1332 | Nuclear Gophers
ID: 7115138 Sat, Dec 26, 2009, 14:17
|
1331-Then let every body know that I am a Sarah PALIN Conservative. I think that spells it out plain and clear.
|
|
| | | 1333 | Perm Dude @ PEI
ID: 137321812 Sat, Dec 26, 2009, 14:42
|
Fair enough, but it puts you to the right of most people in your area, even a conservative area like that.
|
|
| | | 1334 | Mattinglyinthehall
ID: 37838313 Sat, Dec 26, 2009, 15:38
|
Nuclear Gofers, with all due respect, I have no idea what a person who calls him/herself a "Sarah PALIN Conservative" claims to be. As far as I can tell her talking points are right in line with that of about 95% of Republican candidates for political office. Openly religious, pro-life, pro-small government, pro-military, pro-gun rights, pro domestic drilling, etc.
The only areas I see in which she really distinguishes herself from the Republican field are the exaggerations she will resort to and her displayed lack of integrity with regard to some of the principles she claims in those exaggerated talking points. Not that stretching the truth and betraying stated principles is rare among pols of any stripe, but when you float an obstruction-based fearmongering whopper like "death panels", shouldn't you (at the very least) have never supported "death panels" before - especially in just the previous year?
To me - and I believe a lot of people who pay close attention to politics - a declaration that one is a "Sarah PALIN Conservative" sounds like boasting that substance takes a back seat to style when it comes to assessing politicians. What am I missing?
|
|
| | | 1335 | Nuclear Gophers
ID: 7115138 Sat, Dec 26, 2009, 15:57
|
not boasting describing
|
|
| | | 1336 | Nuclear Gophers
ID: 7115138 Sat, Dec 26, 2009, 15:59
|
1333-fair enough you are probably right
|
|
| | | 1337 | Mattinglyinthehall
ID: 37838313 Sat, Dec 26, 2009, 16:05
|
Fair enough. And you apparently accept my 'style over substance' characterization in assessing pols?
|
|
| | | 1338 | Mattinglyinthehall
ID: 37838313 Sat, Dec 26, 2009, 16:05
|
1337 responds to 1335.
|
|
| | | 1339 | Nuclear Gophers
ID: 7115138 Sat, Dec 26, 2009, 17:43
|
Getting back to health care, according to the bill, if the insurance companies can not decline you for pre exsisting conditions, would it not be smart to not get health insurance til u need it. Me being 54, I would never do that. But a young healthy person I would think would be smart not to get it until they need it. If this is the case would we not have more uninsured people.
|
|
| | | 1340 | Tree
ID: 248472317 Sat, Dec 26, 2009, 18:59
|
But a young healthy person I would think would be smart not to get it until they need it. If this is the case would we not have more uninsured people.
a flaw in the the thinking here is that often, you don't know when you "need it".
whether it be emergency surgery or a injuries sustained in a bad car accident, you can ring up 10s, if not 100s of thousands of dollars in health care costs over night.
if you don't have insurance, you're on the hook for those, and it would bankrupt most people.
|
|
| | | 1341 | Guru
ID: 330592710 Sat, Dec 26, 2009, 19:49
|
But, if you were to get in a car accident, couldn't you get the insurance a day later? Or maybe an hour later?
If someone without insurance were to show up at the emergency room, why wouldn't the hospital set up a facility whereby you could buy insurance on-the-spot?
Maybe there is (or will be) some sort of prohibition against this type of arrangement. But if pre-existing conditions are fully covered and not a condition of acceptance, if I were a hospital, I'd sure try to find a way to get you insured before you start ringing up the bills.
|
|
| | | 1342 | Perm Dude @ PEI
ID: 137321812 Sat, Dec 26, 2009, 19:50
|
The point of insurance is to spread the risk. We already have a mechanism for paying for health insurance when you need it--it is called "paying full price."
|
|
| | | 1343 | Guru
ID: 330592710 Sat, Dec 26, 2009, 20:13
|
But -
I presume that with pre-existing conditions no longer excluded from coverage, the ability to charge "full price" for such conditions is also prohibited.
|
|
| | | 1344 | biliruben
ID: 16105237 Sat, Dec 26, 2009, 21:20
|
I think you are confusing insurance with care, Guru. It costs the same to fix a broken leg, whether you have a pre-existing condition or not.
Were you on the life side or property-casualty?
|
|
| | | 1345 | Perm Dude @ PEI
ID: 137321812 Sat, Dec 26, 2009, 22:02
|
The charges will be the same. Having insurance merely makes a determination of who will pay it.
|
|
| | | 1346 | Nuclear Gophers
ID: 7115138 Sat, Dec 26, 2009, 22:58
|
1344-But according to what I understand I dont buy insurance till I have a broken leg. If I dont have a broken leg I dont need insurance. Buy the insurance, fix the broken leg, then drop the insurance. Seems to easy to me.
|
|
| | | 1347 | Guru
ID: 330592710 Sat, Dec 26, 2009, 23:29
|
I understand the difference. And it sounds like Nuclear Gophers understands the issue as well.
Let me elaborate on my example.
Under the new bill, I opt to go uninsured and pay the fine instead, because it's much cheaper than the cost of being insured.
Assume that some day next month, I am in an accident, and it is clear that my medical bills are going to soar.
Under the new bill, I cannot be denied coverage due to this "pre-existing condition". So, at that time I would rather buy insurance coverage, and let the insurer pay to fix me up. I'll sign up and pay the insurance premium as I enter the hospital, and the hospital will bill the insurer.
The hospital would rather that I had the insurance coverage as well, since they are more likely to recover their charges by billing the insurer, rather than expecting me to pay.
I seems like a looney situation, but if I cannot be denied insurance due to a pre-existing condition, then why not wait until I have a condition that requires medical attention?
It's like waiting until your house starts on fire, and then getting the option to buy fire insurance, with no risk of being denied coverage.
|
|
| | | 1348 | Boldwin
ID: 26451820 Sun, Dec 27, 2009, 00:56
|
It's not a feature, it's sabotage. 1. Higher premiums: If you pay for your own insurance, your premiums will cost 10% to 13% more than if the bill didn't pass, according to the Congressional Budget Office. Insurance won't be more affordable. Sixty percent of the newly insured are being enrolled in Medicaid, the public program for the poor. 2. A cost you can't afford and can't avoid: Though moderate-income families will get subsidies, buying insurance is mandatory. A family earning $54,000 will be expected to pay $9,000 (17% of pre-tax income) for the premium, co-pays and deductibles, according to the CBO. If you don't enroll, the IRS will find you and penalize you (Senate bill, p. 345). 3. A one-size-fits-all health plan: Your benefit package will be prescribed by the Secretary of Health and Human Services. Whether you choose basic, silver or gold, and whether you pay for it yourself or qualify for a subsidy, your benefits are the same.Gold plans simply collect more up front and give you a lower co-pay or deductible. It's unclear how possible it will be to buy supplemental insurance. The goal is to discourage health consumption and differences based on ability to pay. 4. A sin tax on your generous plan at work: This is another equalizer to discourage some people from getting more than others. The Senate bill puts a 40% tax on Cadillac plans (p. 1,980). About one-fifth of employer-provided plans fall into that "luxury" category. The CBO predicts that employers will downgrade your coverage to avoid the tax or reduce your take home pay. 5. Government controls on your doctors' decisions: The Senate bill bars doctors from participating in the private insurance system unless they implement whatever regulations the secretary of health and human services chooses to impose to "improve health care quality" (p. 149). That broad phrase encompasses everything in medicine.This would be the first time in history that the federal government is given power over how doctors treat privately insured patients 6.Hospitals closed to seniors: The House and Senate bills slash payments to hospitals and other institutions that care for seniors. The chief actuary for Medicare, Richard Foster, warns that cuts in the House bill are so severe that some institutions may face severe losses or end their participation in Medicare (Centers for Medicare & Medicaid Services, 11/13/09 report). Some seniors won't know where to go. 7.Bare-bones hospital care: Patients of all ages (and all incomes) will suffer when hospitals are in financial distress. Hospital budget cuts will mean shortages of nurses, equipment and cleaning staff. The president's chief health advisor, Dr. Ezekiel Emanuel, argues that hospitals in the U.S. offer more privacy and comfort than hospitals in Europe, and this "abundance of amenities" drives up costs (Journal of the American Medical Association, June 18, 2008). 8. Future Medicare cuts: Look out baby boomers, the Senate bill establishes an Independent Medicare Advisory Commission to make automatic spending reductions in future years while insulating Congress from the political fallout. You won't get as much care as people in Medicare currently get. 9. A new social agenda: Money is allocated for adult preparation activities, including lessons on positive self-esteem and relationship dynamics, friendships, dating (and) romantic involvement (Senate bill, p.612). There are also giveaways to immigrants. The Senate bill hands low-income legal immigrants government subsidies as soon as they get here, instead of waiting the five years Medicaid requires (Senate bill, p. 274). 10.A tell-all relationship with every doctor you see:What happens in your doctor's office must be recorded in an electronic data base that can send the information to insurers and other medical offices (Senate bill, p. 62-66). Every doctor you see will have access to your medical history. See a psychiatrist? Your foot doctor will know about it. - Betsy McCaughey The Senate and House bills with page numbers can be found here.
|
|
| | | 1349 | Tree
ID: 248472317 Sun, Dec 27, 2009, 02:40
|
Assume that some day next month, I am in an accident, and it is clear that my medical bills are going to soar.
if you're in a coma from that accident, or need emergency surgery because of that accident, you're not going to suddenly be able to purchase insurance.
or, if you are rushed to the hospital because you are having a heart attack or an appendicitis or what have you, you're not gonna suddenly be able to purchase insurance, because you'll be in the ER.
and 6 figures later, that insurance isn't going to matter so much.
|
|
| | | 1350 | Perm Dude @ PEI
ID: 137321812 Sun, Dec 27, 2009, 09:24
|
Betsy McCaughey>!!
|
|
| | | 1351 | DWetzel
ID: 33337117 Sun, Dec 27, 2009, 14:03
|
Re: 1348, I'll cherry-pick on item #10 because it's one where I can easily point out the total asininity of it without breaking a sweat.
It is unequivocally a GOOD thing that doctors can share medical information. If I am in a car accident two hours from my house, I really would like the doctors there to be able to look up instantly what medications I am allergic to and what medical conditions I might have instead of trying to get hold of my local doctor's office at 2:00 AM. So they don't, you know, inadvertently kill me.
It also saves a bunch of money on paper records (cost savings are good, right?) and in the time for transmitting medical data (so doctors and nurses can spend more time on patient care and less time on trying to get medical records).
I'd assume it will take the relevant doctor's associations and licensing bodies about ten nanoseconds to tell everyone that their existing ethics rules about sharing medical records with others (and snooping into other people's medical records) apply. Assuming, of course, that doctors somehow don't already realize the existing rules that apply to every other bit of patient information in the history of the universe apply to electronic records as well.
In short, if you're against procedures that allow faster, more accurate transmittal of patient data which save money and allow more accurate patient care, then come up with a better plan that we can all laugh at, or get the hell out of the way.
|
|
| | | 1352 | Perm Dude @ PEI
ID: 1511162713 Sun, Dec 27, 2009, 14:16
|
Most of her items are completely made up -- much like her "death panels" were completely made up previously.
This would be the first time in history that the federal government is given power over how doctors treat privately insured patients
This is a genuine LOL. The GOP over the last 10 years have severely restricted what doctors can even say to patients who come to doctors on Medicaid who are pregnant, let alone how they treat them.
This willingness to turn a blind eye toward the problems (including costs) of the current system is just criminal.
Anyone who is going to cherry pick costs in the Senate bill better be prepared to explain how it is better or worse that what we have.
|
|
| | | 1353 | Nuclear Gophers
ID: 7115138 Sun, Dec 27, 2009, 14:33
|
1352= I really dont know the answer to this question,but how much in taxes will this family pay from 2010-2016?
|
|
| | | 1354 | Perm Dude @ PEI
ID: 1511162713 Sun, Dec 27, 2009, 15:12
|
Depends on income, certainly, including the type of income and deductions.
But the big assumption is that you suddenly have to pay for health insurance. The fact is, if you get health insurance you are already paying for it, and at rates far above the subsidized rates the health insurance bill would grant.
|
|
| | | 1355 | Perm Dude @ PEI
ID: 1511162713 Sun, Dec 27, 2009, 15:20
|
This CBO (pdf) spells out some of the assumptions, btw, including how subsidies play into the costs.
Since about 5/6 of current health insurance is obtained through employers, it is probably worth noting how the plans will be affected, according to the assumptions the CBO makes. This is hard stuff, and is it easy to cherry-pick the information. But taken as a whole this is a pretty good document, I think, and well worth reading in full.
|
|
| | | 1356 | Boldwin
ID: 26451820 Sun, Dec 27, 2009, 17:41
|
The fact is, if you get health insurance you are already paying for it, and at rates far above the subsidized rates the health insurance bill would grant. Do you get a tickle when the government pulls it out of your right pocket and sticks it in the other? Besides the expensive added layer of government what is the attraction in this for you, PD?
|
|
| | | 1357 | Boldwin
ID: 26451820 Sun, Dec 27, 2009, 17:47
|
This is a genuine LOL. The GOP over the last 10 years have severely restricted what doctors can even say to patients who come to doctors on Medicaid who are pregnant, let alone how they treat them. So just because republicans place the tiniest speedbump in the road to abortion, you think that justifies giving the euthanasia pushers at the Hastings Center [who are writing this bill] carte blanche to forbid our doctors from treating us? I don't want Ezekiel Emanuel or Permdude having the slightest say in what treatment I get, let alone the entire say in what treatment I get.
|
|
| | | 1358 | Boldwin
ID: 26451820 Sun, Dec 27, 2009, 18:22
|
Is this any way to run an airline?
|
|
| | | 1359 | DWetzel
ID: 33337117 Sun, Dec 27, 2009, 19:27
|
Wrong thread (again)?
|
|
| | | 1360 | Perm Dude @ PEI
ID: 1511162713 Sun, Dec 27, 2009, 19:28
|
It is hilarious because the Right is accusing the Left of doing what it is doing themselves. And they aren't even correct in the accusation.
You want to argue against this thing, read what the bill actually says (not what disgraced former politicos say that it says), read the CBO letter (only 29 pages--many of them indented), and then make up your own mind.
I get the feeling you are trolling for what you've already made your mind up about, even if the accusations make the GOP look very silly themselves for being inconsistent, incredibly and demonstrably wrong, or (at best) petty.
|
|
| | | 1361 | Nuclear Gophers
ID: 7115138 Sun, Dec 27, 2009, 21:39
|
Senate and House bill here-I clicked on it and got an error page. any where else i can see the bills
|
|
| | | 1362 | sarge33rd
ID: 18111286 Mon, Dec 28, 2009, 07:01
|
been visiting my folks for Christmnas, and Dad and I had this discussion yesterday. FTR, Dad is a MAJOR league "ditto-head".
Pop went BALLISTIC with claims that this will cost 750 trillion dollars, or some such. I said, "Pop, nobody KNOWS what it will cost. First, there is no bill to figure the cost of. There is a Senate Bill, which wont pass the house and a House Bill, which wont pass the Senate. They need to somehow reconcile those 2 bills into a single bill."
Point being; the predictions are based on either of two bills which are not the same as any one bill. We all know further comprommise and change will come. Until those changes are preset, there is no way shy of a genuine cyrstal ball and/or time machine; to compute the costs or relative "revenue neutrality" of "the bill".( Since there is no "the bill")
Next, Any attempts to compute costs, are at best educated guesses. At worst, blatant lies and politically biased falsehoods. (Something I think both sides will be guilty of btw)
Here is what I DO know:
A) Our current system does not work. Even when I am working and earning "normal" for my career field; I will not pay $1,000/m for health insurance for myself. I haven't been hospitalized in 25+ years. And the last time I was a hospital patient, was voluntary for out-patient elective surgery. (Auto dealerships and the like are notorious for crappy benefits.)
B) Watching Meet the Press or one of those shows yesterday, they showed a chart stating that the avg American adult spends almost $7500/yr for health care. (Net expenses) and has a life expectancy of 78 years. Switzerland, pays $4400 with a life expectancy of 83 years. Doesn't look to me, like we are getting what we are paying for. This is I think, inevitable in a profit driven model.
In short...what "the Bill" will do, NOBODY knows.
re Guru and NGs points regarding "pre existing conditions"; they are spot on correct. Many years ago, Colonial Penn gave us agents a Guaranteed Issue Life Ins program. Not a single health question on the app. No turn downs with benefits upto 25k. (Final expense type coverage). They offset risk, by limiting benefits the 1st two years of the policy, and that limitation equated to approx 50% above and beyond the premium dollars paid in so far. ie, terminal patient signs up and pays $2500 for 1st year coverage and then dies that 1st year; the policy paid almost $3750 to the beneficiary. Insured pays again in the 2nd year and then dies; the policy paid approx $7500. My agency led the nation in sales for this policy, and I led the agency. How? I went to ICUs, I went to home health providers and got the names of terminal persons. One wife was mad as hell while I was pitching this to her cancer riddled husband, who had been "sent home to die in comfort" and he told her, "...where the hell else are you gonna get 50% interest? Pay the man for the full year and let me sign the papers." Trust this....you remove pre-existing condition restrictions and agents WILL be camped out at hospital ERs.
|
|
| | | 1363 | Perm Dude
ID: 5510572522 Fri, Jan 01, 2010, 14:05
|
FiveThirtyEight.com crunches some numbers.
Money quote is the last paragraph:
There's simply no way that you can provide $6,000 or $7,000 per year in subidies to a family like this one, for insurance that has an actuarial value of 80-85%, and leave them worse off -- not unless the family has better genes than Brett Favre. For a family that's already purchasing health insurance, this is literally free money. For one that isn't, it's substantially reducing their long-run health care expenditures while also evening out their risk.
|
|
| | | 1364 | Boldwin
ID: 26451820 Sat, Jan 02, 2010, 03:19
|
The real money quote for PD. "For a family that's already purchasing health insurance, this is literally free money" Vote for me and I'll just walk down to the money tree.
|
|
| | | 1365 | Perm Dude
ID: 5510572522 Sat, Jan 02, 2010, 04:48
|
I'm currently shopping for a lower electrical provider. If I find one cheaper than I am currently paying that also is "literally free money" (paying less money for the same thing). I'm not exactly sure why the term isn't clear to you.
I realize you've closed your mind on this some time ago, but isn't it possible that the use of the free market is a good thing to you? Or are you advocating no negotiated group rates for insurance now?
|
|
| | | 1366 | Perm Dude
ID: 5510572522 Sat, Jan 02, 2010, 04:49
|
Also, please try reading the piece before you decide you are dead-set against what it says.
|
|
| | | 1367 | Boldwin
ID: 26451820 Sat, Jan 02, 2010, 15:14
|
What your link is talking about is not unfettered free market. It is fascist state-run private in name only business. Since the state will now control what is offered it isn't the free market negotiating lower group rates. It is central planning demanding benefits, prohibiting options, stealing from one person to pay another. There is nothing to like about it. After the last century, anyone who would fall for statist solutions is not wise enuff to accept that those who refuse to learn from history are doomed to repeat it.
|
|
| | | 1368 | Perm Dude
ID: 5510572522 Sat, Jan 02, 2010, 15:16
|
I didn't say "unfettered free market." Though I'm willing to listen to your first arguments that the health insurance industry should be completely unregulated.
|
|
| | | 1369 | Boldwin
ID: 26451820 Sat, Jan 02, 2010, 17:41
|
I didn't say they should, but it's outrageous sabotage that they are not allowed to sell across state lines, are no longer allowed to sell less than comprehensive coverage and that there are new high incentives for employers to drop coverage. All these things damage the current situation and inevitably lead to commie-care the next time this goes thru the congress, and it will of course be redone because the situation has just been made worse. And probably the most threatening part is that the death panel infrastructure of commie-care is now set into motion. Anti-choice czars, a growing government stranglehold on what medicine can and can't be practiced, the expensive infrastructure to administer commie-care when they finally do get a 'public option' will already be set up. But we are getting used to this kind of thing. Like a frog being slowly brought to boil...camps set up, alternative undemocratic governmental structures like FEMA, constitutional protections over-ridden constantly...government by presidential directives and czars going around the other two branches of government checks and balances.
|
|
| | | 1370 | Boldwin
ID: 26451820 Sat, Jan 02, 2010, 17:41
|
Posse Comitatus over-ridden. There is a big one.
|
|
| | | 1371 | Perm Dude
ID: 5510572522 Sat, Jan 02, 2010, 18:30
|
it's outrageous sabotage that they are not allowed to sell across state lines
You act as though Obama decided this on his own. You seem to be a strong defender of what we have right now--surely you know that insurance companies are regulated by the states and therefore they have always been limited to selling only in the states in which they are regulated (and different states require different policy rules). I'm not sure whether you are asking for the feds to take over all insurance regulation, or whether you want there to be none. You can't have it both ways. This is like complaining that murder is still a state crime despite the yearly crime bill.
Your czar fetish is getting a little out-of-hand. You need to come up with some meat to the argument rather than speaking in Conserva-speak shorthand.
|
|
| | | 1372 | Boldwin
ID: 26451820 Sat, Jan 02, 2010, 18:47
|
You seem to think that I approve of prior sabotage measures when you insist I am advocating for the status quo. I'd roll it back to 1950 in a heartbeat but the problem with creeping socialism is no one can ever figure out how to undo the damage. That argues STRONGLY in favor of never giving an inch.
|
|
| | | 1373 | Mattinglyinthehall
ID: 37838313 Sat, Jan 02, 2010, 19:27
|
Keep those leeches hungry.
|
|
| | | 1374 | Boldwin
ID: 26451820 Sat, Jan 02, 2010, 20:12
|
Oh, liberals are plenty power-hungry. Don't you worry about any shortage there.
|
|
| | | 1375 | Perm Dude
ID: 5510572522 Sat, Jan 02, 2010, 20:20
|
You don't want to "give an inch" because we can't go back 60 years?
So even though the world has gone on, you decide that now is the time to draw a line in the sand? To keep insurance companies robbing people while thousands of Americans die every year as a result of the system you don't want to "give an inch" to change?
|
|
| | | 1376 | Mattinglyinthehall
ID: 37838313 Sat, Jan 02, 2010, 20:20
|
To turn the clock back to healthcare costs of 60 years ago, you'd have to also do without the past 6 decades worth of medical breakthroughs and medication R&D.
Think the American cancer survival rates and infant mortality rates of 1960 compare with Canada in 2010?
|
|
| | | 1377 | Boldwin
ID: 26451820 Sat, Jan 02, 2010, 20:25
|
We could always pray for liberals to develop a conscience and some honesty, admit they bankrupted the country promising benefits they couldn't deliver, and let us stop throwing good money after bad.
|
|
| | | 1378 | Mattinglyinthehall
ID: 37838313 Sat, Jan 02, 2010, 20:27
|
Gotcha. Let the poor die of dysentery.
|
|
| | | 1379 | sarge33rd
ID: 37036219 Sat, Jan 02, 2010, 20:39
|
Much better to throw that money at Haliburton eh Boldy?
|
|
| | | 1380 | Tree
ID: 248472317 Sat, Jan 02, 2010, 20:46
|
let's look at those numbers, since I don't expect them to be researched.
1960 United States: Infant mortality rate - 26 Deaths per 1,000 Live Births
Canada: Infant mortality rate (2009 estimate) - 5.04 Deaths per 1,000 Live Births
Cancer survival rates seem to be more elusive, largely in part to the fact most statistics seem to be broken down into cancer types.
this article mentions childhood cancers, which were nearly always fatal in the 1960s. Covering up until the year 2001, the study shows that as of that year, childhood cancers showed some of the largest improvements in cancer survival during the past 20 years, with an absolute survival rate increase of 20 percent in boys and 13 percent in girls. The current five-year survival rate of over 75 percent confirms substantial progress...
additionally, the same article says Death rates from all cancers combined have been decreasing since the early 1990s. Death rates decreased for 11 of the top 15 cancers in men, and eight of the top 15 cancers in women. Lung cancer deaths rates among women leveled off for the first time between 1995 and 2001, after continuously increasing for many decades.
one can extrapolate, and use their imagination to know how slim the chances of cancer survival were 60 years ago.
|
|
| | | 1381 | Boldwin
ID: 26451820 Sun, Jan 03, 2010, 04:38
|
Gotcha, let everyone take a pain pill, go home and die. We can't afford to treat you. Take two pills and don't see me in the morning. - Obama Assuming they let you go home.
|
|
| | | 1382 | sarge33rd
ID: 1403337 Sun, Jan 03, 2010, 08:33
|
where do you get this crap Boldy?
People NOW, lots of them, (myself as an example); are NOT going to the Dr because we can't pay for the visit/tests/diagnostics. But in your mind...tough nails. You're poor? Then die dammit and quit breathing my air. Thanks buddy.
|
|
| | | 1383 | bibA
ID: 01116297 Sun, Jan 03, 2010, 09:42
|
I have an idea sarge - You can move to Canada.
Then you can come to the U.S. for your health care.
|
|
| | | 1384 | Perm Dude
ID: 5510572522 Sun, Jan 03, 2010, 10:12
|
admit they bankrupted the country promising benefits they couldn't deliver
In an alternate universe this is happening right now.
In reality, we're having to pay trillions of dollars in debt the last Administration promised the country.
I realize that it is important in the End-Times Political Theory (ETPT) to blur the timelines, but the country is not yet bankrupted. Though doing nothing (i.e., not "giving an inch") will actually do so.
|
|
| | | 1385 | Boldwin
ID: 26451820 Sun, Jan 03, 2010, 10:25
|
In reality, we're having to pay trillions of dollars in debt the last Administration promised the country. That is what happens when a non-conservative republican president institutes 'compassionate' conservativism, which meant compromising with dems on the same old wild-eyed liberal social spending. Supposedly that was gonna win him some points with the 'sharing and caring' robbinhood crowd. I knew that wasn't gonna work from the gitgo.
|
|
| | | 1386 | Boldwin
ID: 26451820 Sun, Jan 03, 2010, 10:36
|
You're a big fan of republicans compromising with liberals, remember PD?
|
|
| | | 1387 | Tree
ID: 248472317 Sun, Jan 03, 2010, 10:36
|
Gotcha, let everyone take a pain pill, go home and die. We can't afford to treat you.
which of course has nothing to do with the statistical data posted in post 1380.
Take two pills and don't see me in the morning. - Obama
which of course was never said, but is rather a talking point of the Death Fetish Cult.
Assuming they let you go home.
which of course is exactly how it is.
you're so dead set on dying, on having others die, on forcing your fetish of death on others, you don't even read other posts - be they links or simple statistical evidence - that dispute even the most basic parts of a belief you have that has already been established as the biggest lie of 2009.
i understand how hard it can be something you believe in with all your heart is exposed as a dramatic untruth, but there also comes a time to let it go.
i mean, your entire belief system here comes from something someone posted on their FACEBOOK page, twisting the words of someone else who had already twisted the words of an actual bill.
Nothing is mandatory. There are no death panels. Instead the bill discussed that for the first time Medicare would pay for doctors' appointments for patients to discuss living wills, health care directives and other end-of-life issues.
So, let's just, on a hypothetical plane, remove all this sort of stuff from health care reform.
what else do you, Baldwin or anyone else, oppose in the bill, because at this point, it's so circular, and it's a much bigger issue than just this one.
|
|
| | | 1388 | Perm Dude
ID: 5510572522 Sun, Jan 03, 2010, 10:59
|
Baldwin, revising the recent past to match your ENPT just makes you look bad, to be blunt. And the attempts to allow the the Bush Administration to dodge responsibility (as though Democrats elected him) looks silly. You represent a group which advocated lying about Bush's political opponents in order to allow him to get elected. Now that you find you made a huge mistake, there is an attempt to cover it all up, as though the problem wasn't your lockstep agreement and unflexibile advocation with Republican domestic and foreign policy for 8 years.
This is what never "giving an inch" will get you.
|
|
| | | 1389 | Boldwin
ID: 26451820 Sun, Jan 03, 2010, 19:51
|
PD You really haven't been paying attention to what I have been saying for a decade about neocons and the Bush dynasty and members of the skull and bones and RINO's.
|
|
| | | 1390 | sarge33rd
ID: 1403337 Sun, Jan 03, 2010, 20:26
|
when you continue to redefine history in order to fit a conspiracy theory; and then continue to expand that theory to fit with history; you can point at almost anything and claim it as evidence OF almost anything. Much like claiming the absence of proof serves AS proof of a successful conspiracy theory. (IOW, your slip is showing.)
|
|
| | | 1391 | Perm Dude
ID: 5510572522 Sun, Jan 03, 2010, 22:10
|
Boldwin: I've been paying some attention to your reluctant acceptance of Bush over the communists/socialists/fascists you say that the Dems put up.
I also know that you remained completely silent in the many in-depth threads on things like Medicare, back when this forum had a soul.
|
|
| | | 1392 | Nuclear Gophers
ID: 7115138 Tue, Jan 05, 2010, 17:46
|
What are the odds that C-Span will televise any of the meetings the Dems are going to be holding on health care. Remember O'Bama said they would. Cant wait to watch them, should be pretty interesting to see how they negotiate. You can have this, if you vote for this. I love transparency.
|
|
| | | 1393 | Perm Dude
ID: 5510572522 Tue, Jan 05, 2010, 17:50
|
Did he say that? I don't think the President can compel a private media company to cover an event.
|
|
| | | 1394 | Nuclear Gophers
ID: 7115138 Tue, Jan 05, 2010, 18:01
|
Yes he did, I heard it today on the radio on my way home from work. Sean Hannity played the tapes.
|
|
| | | 1395 | Perm Dude
ID: 5510572522 Tue, Jan 05, 2010, 18:03
|
Cool. Then they probably told them they would.
|
|
| | | 1396 | Perm Dude
ID: 5510572522 Tue, Jan 05, 2010, 18:33
|
A neat-o graph:
Essentially, the life expentancy rises in an almost lineal fashion with health care spending. Except for the United States, which is the outlier.
Some of the debate is here. There is some debate as to whether life expectancy is a good measure of things, that this comment rebuts rather neatly:
Certainly life expectancy isn't a perfect measure of a country's health care system, but saying that it shouldn't be used as a measure is like saying a sports team's win-loss record doesn't reflect the team's talent. At the end of the day all of the other statistics are meaningless if we come up short in the ultimate measure of success (in this case life expectancy).
I agree with you that other factors are involved, but why wouldn't obesity and teenage pregnancy be considered aspects of a country's health care system. A health care system should promote a healthy lifestyle, not just save us from an unhealhty one.
|
|
| | | 1397 | Frick
ID: 9103036 Tue, Jan 05, 2010, 19:01
|
The US would probably fare far worse if obesity was a measure. I don't see what teen pregnancy has to do with a country's health care system. Why not include 20-something pregnancies or are those some how healthier?
|
|
| | | 1398 | Perm Dude
ID: 5510572522 Tue, Jan 05, 2010, 19:08
|
Children born of teenagers have far more health problems than those born from slightly older parents. Also, the mother's health suffers from early pregnancies.
I don't have a problem including it, but making sure certainly things aren't weighed too heavily is a problem.
|
|
| | |
| | | 1400 | Perm Dude
ID: 5510572522 Tue, Jan 05, 2010, 21:54
|
I was just reading that negotiations were still ongoing with C-SPAN (not CNN) to cover the legislative negotiations. I would be surprised if the Dems allowed it (typically these sessions where the bills are reconciled are not open to the public). But the talks about the talks are ongoing.
|
|
| | | 1401 | Perm Dude
ID: 5510572522 Tue, Jan 05, 2010, 22:12
|
Love the graphs that guy does, Wilmer--I have seen them before but never knew he had his own page--I just bookmarked it.
His life expectancy page is a bit misleading in this context (that is, in the context of the health care debate), since there are scores of countries without any health care system at all who are extremely low in life expectancy numbers (poor Swaziland). The US has a poor life expectancy number for developed countries (50th according to the CIA and 38th by the UN, both of whom include territories as "countries" in making up their list).
But the whole thing is like the Yankees always finishing 3rd (or 5th some years) despite a bloated payroll. The US should be kicking ass in LE if only we distributed health care with anything approaching our ability to distribute cable TV, for instance.
|
|
| | | 1402 | Boldwin
ID: 26451820 Wed, Jan 06, 2010, 04:46
|
There is a lot that doesn't meet the eye to that graph. Maybe it's really a graph measuring which country eats the most highly processed foods. Which country's environment contains the most complex industrial pollutants because it is the most developed. Maybe it measures the deleterious effects of impossibly high ambitions meeting real world failure. How does it correlate to social structure? The hours spent being irradiated by a cathode ray tube. Maybe freedom is deadly. Let's see a chart of the most conservative populations. You would have to filter out a whole lotta other factors before taking that graph seriously.
|
|
| | | 1403 | Boldwin
ID: 26451820 Wed, Jan 06, 2010, 04:48
|
"I also know that you remained completely silent in the many in-depth threads on things like Medicare, back when this forum had a soul." - PD Chalk it up to distaste.
|
|
| | | 1404 | biliruben
ID: 16105237 Wed, Jan 06, 2010, 08:56
|
ou would have to filter out a whole lotta other factors before taking that graph seriously.
It's not like that's not done. Epidemiologists toss in all the covariates they can measure and, if I recall correctly, still see a significant difference.
That said, these ecologic comparisons are really, really difficult to do well. There are just too many genetic and environmental factors that differ between societies to adjust for everything. Don't even get me started on the interaction between genetics and environment.
As for conservative societies, just follow the green bouncing balls in Wilmer's link.
Or look at the life expectancy in the midwest. It general doesn't compare well to the coasts.
|
|
| | | 1405 | Boldwin
ID: 26451820 Wed, Jan 06, 2010, 10:47
|
"Or look at the life expectancy in the midwest. It general doesn't compare well to the coasts." That anger towards the coasts will just eat you up. 8]
|
|
| | | 1406 | biliruben
ID: 461142511 Wed, Jan 06, 2010, 12:20
|
;)
Not all the coasts!
I visited Winston-Salem over New Years. Man.
It has been a long, long while since I've seen the density of smokers and obese as I saw there. I think in the 15 years I've been in Seattle, I have maybe seen 1 mom holding a baby and a smoke at the same time. I saw 5 the first day I was in NC.
So many people crippled by obesity. Walkers for 40 year-olds. Unused RR tracks through high density areas that would have been converted to bike paths 20 years ago in Seattle, just sitting and rusting.
Perversely, people were very friendly, and seemed to be quite happy, for the most part, as the hacked up a lung and winced at they put 200 lbs of pressure on a spindly knee.
|
|
| | | 1407 | Tree
ID: 248472317 Wed, Jan 06, 2010, 12:59
|
It has been a long, long while since I've seen the density of smokers and obese as I saw there. I think in the 15 years I've been in Seattle, I have maybe seen 1 mom holding a baby and a smoke at the same time. I saw 5 the first day I was in NC.
i've seen the same thing here in Texas.
and, as the movie says "there's a baby. in a bar!"
TONS of smokers. TONS of obesity.
Unused RR tracks through high density areas
we have the tracks through high density areas, but they're actually regularly used. i live near some of then, and i rather like hearing the train horn at all hours. hearing a train kind of reminds me of NYC.
interestingly, they're actually working to utilize these rails more for passengers than cargo. It's been really exciting to see these changes start to happen here.
|
|
| | | 1408 | Building 7
ID: 471052128 Wed, Jan 06, 2010, 14:45
|
I don't believe these life expectancy numbers. An average age of 80. That's not believable to me. If someone dies at age 20, someone else would have to die at age 140 to even it out. Or 6 people would have to make it to age 90, if one person dies at age 20. And there's no way they could be including abortions.
I've looked at the daily obituaries in the local newspaper and it usually averages less than 78. They must mean ....Of people who die of old age, 78 is the average age in the USA.
|
|
| | | 1409 | biliruben
ID: 461142511 Wed, Jan 06, 2010, 16:21
|
If you are really interested, I can explain how they are calculated. It's basically an weighted average of current age-specific death rates.
It's an expectation based on current probabilities, not a calculation, so there is obviously going to be some error.
|
|
| | | 1410 | sarge33rd
ID: 59056615 Wed, Jan 06, 2010, 16:57
|
why on earth WOULD they include abortions? In those cases, there was no birth, hence no mortality to calculate
|
|
| | | 1411 | Biliruben movin
ID: 358252515 Wed, Jan 06, 2010, 17:26
|
They don't include abortions. Only live births.
|
|
| | | 1412 | boikin
ID: 532592112 Wed, Jan 06, 2010, 18:02
|
The US has a poor life expectancy number for developed countries (50th according to the CIA and 38th by the UN, both of whom include territories as "countries" in making up their list).
what does health care and life expectancy have to do with each other?
|
|
| | | 1413 | sarge33rd
ID: 34013617 Wed, Jan 06, 2010, 18:13
|
right boikin. There couldnt POSSIBLY be a correlation between availability/affordability of health care and keeping yourself alive. Could there?
|
|
| | | 1414 | biliruben
ID: 461142511 Wed, Jan 06, 2010, 18:16
|
The biggest driver of life expectancy is usually infant mortality, which is impacted by a whole host of things:
- Prenatal care - Nutrition - Not drinking sewage and other classic public health improvements. - Quality of hospital care - Access to care
etc...
|
|
| | | 1415 | biliruben
ID: 461142511 Wed, Jan 06, 2010, 18:18
|
Snarky sarcasm generally is a conversation ender, not a conversation starter, Sarge.
|
|
| | | 1416 | Perm Dude
ID: 5510572522 Wed, Jan 06, 2010, 19:09
|
#1412: Is that sarcasm? I'm genuinely asking.
|
|
| | | 1417 | Wilmer McLean
ID: 5000519 Wed, Jan 06, 2010, 22:05
|
Nearly 10 million children under five die every year. Almost 90% of all child deaths are attributable to just six conditions: neonatal causes, pneumonia, diarrhoea, malaria, measles, and HIV/AIDS.
The aim (Millenium Development Goal 4) is to further cut child mortality by two thirds by 2015.
How can this be achieved? Which countries make sufficient progress? And with which rate did a country like Norway reduce its child mortality the last 100 years?
Watch Gapcast #11 to understand the background and the current status of a Millenium Development Goal.
|
|
| | | 1418 | Nuclear Gophers
ID: 7115138 Thu, Jan 07, 2010, 06:59
|
1400-Negotiate, Negotiate what, table size (square or round) camera angles ("my left side is better than my right side" says Pelosi) If this bill is so great for the country, then why the hell are you afraid of televising it. I think it would be great to see how the senate really works. Televise it in all the classrooms across the US, you would have to rate it PG-13. Negotiate, yeah right. Gets some balls OBama, keep true to your promises, more people will respect you for it. Negotiate LOL
|
|
| | | 1419 | biliruben
ID: 16105237 Thu, Jan 07, 2010, 07:20
|
My fear would it would hyper-politicize the process, increasing grand-standing and hyperbole for the camera. As long as they got it done, fine. If it derailed the bill, it would the a massive mistake.
|
|
| | | 1420 | Boldwin
ID: 26451820 Thu, Jan 07, 2010, 07:27
|
Getting elected promising this exact process would be transparent, and then holding as many secret meetings as Hillary's attempt is disgusting. Exactly what transparency has anyone seen from this president? That was a major selling point.
|
|
| | | 1421 | Perm Dude
ID: 5510572522 Thu, Jan 07, 2010, 09:46
|
To be fair, Obama is not a member of the Legislative branch and cannot dictate his elected mandates onto that branch.
|
|
| | | 1422 | Perm Dude
ID: 5510572522 Thu, Jan 07, 2010, 09:47
|
If air travel worked like health care:
|
|
| | | 1423 | Tree
ID: 248472317 Thu, Jan 07, 2010, 09:53
|
much of the process HAS been televised. Most of it in the middle of the day. Baldwin or NG, did you guys catch any of these?
in regards to open government, how do you guys who are telling Obama to stick to his promises feel about releasing all the information regarding Bush, Cheney, Rove, et al and the various issues regarding Gitmo, the spying on our own people, and so on and so forth.
if it's good for the goose, it's good for the gander, no?
|
|
| | | 1424 | boikin
ID: 532592112 Thu, Jan 07, 2010, 10:16
|
If air travel worked like health care:
Isn't that how air travel works?
|
|
| | | 1425 | boikin
ID: 532592112 Thu, Jan 07, 2010, 10:21
|
#1412: Is that sarcasm? I'm genuinely asking.
I am generally asking. Yes there is correlation between the two but what is the causation? In general living longer is caused by a healthy lifestyle and genetics not to the health care you get.
|
|
| | | 1426 | Razor
ID: 57854118 Thu, Jan 07, 2010, 10:30
|
Re: 1425 - Your argument that genetics and lifestyle is refuted by the graphs earlier in the thread which show a clear and significant correlation between health care spending (which we can agree is tied to quality) and life expectancy. Poor countries have a much lower life expectancy, and lack of quality health care (in addition to public health in general, such as access to potable water) is a party of that.
|
|
| | | 1427 | DWetzel
ID: 33337117 Thu, Jan 07, 2010, 10:50
|
"In general living longer is caused by a healthy lifestyle and genetics not to the health care you get."
Wait, what?
Seriously, you can't mean what you just said.
You're saying that (assuming all else equal), the health care that someone gets has ZERO effect on their life expectancy? That the only reason that, say, Norwegians live longer lives than Ethiopians is genetics and a "healthy lifestyle"?
|
|
| | | 1428 | Perm Dude
ID: 5510572522 Thu, Jan 07, 2010, 10:59
|
I think there are a number of things which improve life expectancy, including prenatal care, immunizations, preventative care, emergency care, etc. All of which cost money.
It is pretty clear that more spending on health care does, in fact, bring about healthier people, which in turn pushes up life expectancy.
|
|
| | | 1429 | bibA
ID: 01116297 Thu, Jan 07, 2010, 12:12
|
It is not worth arguing over.
IF one had a choice, I am sure he would rather have had ancestors who lived past 100 rather than parents who died of heart failure before they turned 50.
AND common sense tells us that those among us who do not smoke, eat healthy, and work out regularly live longer than those who do not do these things.
AND one would figure that if they received good medical care, he/she would live longer than those who don't ever see a doctor.
|
|
| | | 1430 | boikin
ID: 532592112 Thu, Jan 07, 2010, 13:59
|
Re:1426 actually the graph is for GDP vs life expectancy here is the graph for health care spending and life expectancy good thing you don't live in Malawi
or maybe a graph of out of pocket spending vs life expectancy sure do not want to live in guinea.
|
|
| | | 1431 | biliruben
ID: 461142511 Thu, Jan 07, 2010, 14:26
|
I actually agree with boikin to some extent. And no, it's not just because I'm in public health.
Okay, maybe a little. ;)
Much of the gains we made in the early part of the 20th century in infant mortality and life expectancy ARE due to public health measures such as infection control and not drinking feces.
That only goes so far, however. Now many of the (admittedly smaller) gains are being made on the health care side.
|
|
| | | 1432 | Razor
ID: 57854118 Thu, Jan 07, 2010, 14:35
|
You're right, but I'd say the more accurate graph would be showing absolute spending on healthcare vs. relative spending to GDP. Pretty clear correlation.
|
|
| | | 1433 | DWetzel
ID: 33337117 Thu, Jan 07, 2010, 14:57
|
1431: Maybe I'm a goofball then, but I think that those measures count as part of health care. Sure, they're public works projects as well, but (to pick a slightly different example) is fluoridated water not health-care related at all? Sure seems to me like it is.
|
|
| | | 1434 | biliruben
ID: 461142511 Thu, Jan 07, 2010, 15:34
|
Well, I guess it depends on your perspective.
Public health isn't paid for by health insurance, and probably very little public health is in this bill, and they likely aren't included in any of these graphs. If they are, they are just a teeny, tiny blip.
People generally don't think about public health impacts unless they aren't there. Kinda hard to get people to pay for it, except through those nefarious, wasteful, taxes that it seems everyone but me hates.
I must be a commie, pinko, marxist... whatever. Real Libertarians and laissez faire capitalists like to eat shit.
|
|
| | | 1435 | boikin
ID: 532592112 Thu, Jan 07, 2010, 15:40
|
re 1433: i guess that would be a accounting question, but still a valid point. Health care like so many things has diminishing returns. you get big returns by killing off mosquitoes, treating water, vaccinating citizens, and making food cheap and available. While coming up with cancer treatments and new better MRI the return is not so great.
|
|
| | | 1436 | biliruben
ID: 461142511 Thu, Jan 07, 2010, 15:43
|
Flouridation - the President of the American Public Health Association for a long time was actually a dentist. He was a strong advocate for water flouridation, but in the end it's up to individual communities. There are plenty of towns still out there who prefer to let their kid's teeth rot rather than let the "guvmn't poison us."
What can you do.
|
|
| | | 1437 | Doug
ID: 3630123 Thu, Jan 07, 2010, 19:20
|
Had never thought of this before but I wonder if the increase in bottled-water consumption in the US over the past 10-15 years is having any negative impact on kid's teeth (for those families who don't drink tap water at all).
|
|
| | | 1438 | sarge33rd
ID: 25015716 Thu, Jan 07, 2010, 19:25
|
from my reading re the bottled eater industry...it is largely unregulated and a surprising amount of that 'bottled water'; is in fact bottled tap water.
|
|
| | | 1439 | Doug
ID: 3630123 Thu, Jan 07, 2010, 19:41
|
Good point, it varies from brand to brand but yes a lot of it is indeed tap water... but then it depends on exactly where it's being bottled.
|
|
| | | 1440 | Perm Dude
ID: 5510572522 Thu, Jan 07, 2010, 21:44
|
I haven't been following Romney's arguments in the course of the health care debate too much, but anyone with a better view have a comment on this editorial?
|
|
| | | 1441 | Nuclear Gophers
ID: 7115138 Thu, Jan 07, 2010, 22:26
|
I read it. I will not be voting for Romney for anything.
|
|
| | | 1442 | DWetzel
ID: 33337117 Thu, Jan 07, 2010, 22:47
|
Re: 1435-- things usually are cheaper when they are mass-produced. Medicines are generally not an exception.
|
|
| | | 1443 | Nuclear Gophers
ID: 7115138 Fri, Jan 08, 2010, 07:56
|
1421=I have read that statement over and over again. Are you kidding me. Who does he dictate his elected mandates to. I am at a lost for words.
|
|
| | | 1444 | Mith
ID: 159201318 Fri, Jan 08, 2010, 08:22
|
PD is correct. The president doesn't have the authority to force the legislature to televise their negotiations. I think you misunderstand what he means by elected mandates. He's not the boss of the legislative branch.
|
|
| | | 1445 | Nuclear Gophers
ID: 7115138 Fri, Jan 08, 2010, 08:32
|
your right mith, but he has a lot of influence. Lets be frank, if he really wants something that is in his favor, he can get it. If it is not in his favor he wont go after it. I just want him to be accoutable. If he doesnt brodcast the whole negotiations, i will classify him as a liar. But, arent they all liars. It just goes to show you how bad this bill really is.
|
|
| | | 1446 | sarge33rd
ID: 5203287 Fri, Jan 08, 2010, 08:33
|
re 1440.......
Just how closely DOES either the House or Senate Bill, resemble the MA reality?
Is this in fact, one of the clearest examples of one side of the aisle opposing an idea/Bill solely because it came from the other side? (IOW, Romney claims credit for the MA health reform, yet opposes the Senate Bill. If it indeed largely mirrors the MA reforms, how can he with ANY intellectual honesty at all, oppose it?)
|
|
| | | 1447 | Razor
ID: 571022618 Fri, Jan 08, 2010, 08:41
|
The President dictates his mandates directly to his cabinet, but also indirectly to members of Congress. As party leader of the party in power in both the House and Senate, his ability to dictate policy should be that much more substantial, though still indirect. However, whether or not the President has direct authority to dictate how Congress is being run, Obama made a campaign promise and thus, it's on him to make it happen. He can't suddenly say, "That's actually not my responsibility," after make that promise several times throughout his campaign. This is the most transparent administration in history, but this is one area where Obama has failed to deliver the transparency he promised. The 5-day public comment before major bill signings is another.
|
|
| | | 1448 | Mith
ID: 159201318 Fri, Jan 08, 2010, 08:49
|
NG, I don't know exactly what happened, but I suspect that all the Republican obstructionism and Democratic opportunism associated with the healthcare bill process probably squashed the chance for fully open negotiations while the bills were being hashed out. Obama had to spend an awful lot of political capital just to get a watered down version of his healthcare vision passed - with a supermajority in both houses. He doesn't have quite as much influence as you seem to suggest.
|
|
| | | 1449 | Tree
ID: 248472317 Fri, Jan 08, 2010, 09:15
|
If he doesnt brodcast the whole negotiations, i will classify him as a liar.
he doesn't run the legislature. he doesn't run the tv network. yes, he can have influence, but as we've already seen, there's at the very least, 40 people who don't give a damn about what he says.
|
|
| | | 1450 | Mith
ID: 159201318 Fri, Jan 08, 2010, 09:30
|
I thik he'salready a liar by NG's standards since most of the hashing out of both bills wasn't televised. I don't think I'd necessarily call him a liar, but at the very least he deserves criticism for making promises he might not be able to deliver on.
I suspect part of it might have been a rookie mistake. Should he have made it a very public issue back at the beginning of the progress. The Republicans would have balked (as they have blindly obstructed every single other thing) and the public blame would be squarely on them for obstructing government transparency.
|
|
| | | 1451 | Nuclear Gophers
ID: 7115138 Fri, Jan 08, 2010, 09:35
|
Looking back do you really think the republicans would have balked? Boy, if they would have balked, put them in the category of "Stupid as stupid can be".
|
|
| | | 1452 | sarge33rd
ID: 5203287 Fri, Jan 08, 2010, 09:51
|
For the past decade, the minority party (be it Reps or Dems), has largely been relegated the role of 'obstructionist' to the desires of the majority party. Trying whatever tactics they can come up with, just to slow down the otherwise rampant roll of the whims of that majority party.
In the case however of the health care reform, we see at least a Rep acting as obstructionist, even though in his own state he claims credit for doing this very same thing.
So what really is the difference between an obstructionist and one practicing "checks and balances"? I think that depends entirely on the POV of the one doing the ascertaining of that difference.
To answer your query though, would they (the Reps) really have balked? You tell me, one single Dem idea that has been put forth over the past 8 or so years, where the Reps DIDNT balk. (outside of additional troop requests for Afghanistan)
|
|
| | | 1454 | Mith
ID: 159201318 Fri, Jan 08, 2010, 09:56
|
Can you think of any democrat's initiative that was embraced by the GOP this year? Just one? Even a ridiculous no-brainer like Franken's anti-rape amendment was blocked.
I bet you think I'm exaggerating when I say blind obstruction.
|
|
| | | 1455 | Perm Dude
ID: 5510572522 Fri, Jan 08, 2010, 10:01
|
Re 1445: Actually, this is the very kind of thing in which the President (any President) has the least amount of influence. Telling the Legislative Branch to televise what is usually not televised is a waste of any political capital he has and is likely to get him a big "butt out!" from Congress.
He might as well be telling the Supreme Court to televise their important discussions.
As one member of an equal branch of government, his influence doesn't extend to dictating that their work be broadcast to the people. And Congress would not be slow to remind him of the fact, particularly these days when the Congress is still feeling a little sore are being rolled over by the last administration on matters of national security.
|
|
| | | 1456 | Nuclear Gophers
ID: 7115138 Fri, Jan 08, 2010, 10:07
|
1455-The way things are going for him, he lost some more votes for the dems this year with not keeping a promise. People are upset and it isnt going to take much to push them on the other side.
|
|
| | | 1457 | Mith
ID: 159201318 Fri, Jan 08, 2010, 10:08
|
Sarge
Take a look at roll call votes during the Hastert Congress. There's a lot more to the difference than point of view.
|
|
| | | 1458 | Nuclear Gophers
ID: 7115138 Mon, Jan 11, 2010, 16:19
|
I see you will be penalized if you are married under the health care bill. If you are living together you wont pay as much as a married couple. I wonder if the divorce rate will go up. I read it on the yahoo front page, Im still to stupid to link it here. Sorry. This bill is so assinine.
|
|
| | | 1459 | biliruben
ID: 461142511 Mon, Jan 11, 2010, 16:30
|
I agree.
Marriage is penalty enough.
[Whack!] [OW!!]
Seriously - I have no idea what in particularl you are talking about, but it's impossible to make things equal for everyone in all circumstances.
Married people (speaking from experience) have so many advantages over unmarried in the tax-code, it's a joke. We breeders gots it good (though not good enough, imho, particularly with regards to daycare and maternity leave). If we take a hit here, so be it.
|
|
| | | 1460 | Nuclear Gophers
ID: 7115138 Mon, Jan 11, 2010, 17:09
|
If we take a hit here, so be it-I hope she hits you again.
|
|
| | | 1461 | biliruben
ID: 461142511 Mon, Jan 11, 2010, 17:42
|
You know what?
If everyone is hell-bent on defending their own petty self-interest all the time instead occasionally focusing on what broadly is good for society, or society becomes dysfunctional.
If I have a choice between what is good for me and what I feel is the right thing to do, I'd like to think I would choose the latter every time.
|
|
| | | 1462 | Nuclear Gophers
ID: 7115138 Mon, Jan 11, 2010, 18:08
|
That was toungue in cheek. It was a joke. Im sorry if you took it wrong.
|
|
| | | 1463 | Nuclear Gophers
ID: 7115138 Mon, Jan 11, 2010, 18:10
|
1461-If I have a choice between what is good for me and what I feel is the right thing to do-I would choose what is good for me.
|
|
| | | 1464 | Biliruben movin
ID: 358252515 Mon, Jan 11, 2010, 20:03
|
Heh. Well at least you are honest.
|
|
| | | 1465 | Boldwin
ID: 26451820 Tue, Jan 12, 2010, 08:02
|
Anything that acts as a ratchet against marriage and stable families is by definition bad for society.
|
|
| | | 1466 | Perm Dude
ID: 5510572522 Tue, Jan 12, 2010, 09:09
|
Hear hear! Bring on committed gay marriages.
|
|
| | | 1467 | Frick
ID: 9103036 Tue, Jan 12, 2010, 10:03
|
re: 1461
Do you feel that the representatives who inserted special clauses for their states into the health care bills are doing what is right for society as a whole,or what is in their best interest?
|
|
| | | 1468 | WTC Building 7
ID: 471052128 Tue, Jan 12, 2010, 13:57
|
Amish families exempt from insurance mandate
HEALTH REFORM: People with religious objections can opt out.
The Amish, as well as some other religious sects, are covered by a "religious conscience" exemption, which allows people with religious objections to insurance to opt out of the mandate. It is in both the House and Senate versions of the bill, making its appearance in the final version routine unless there are last-minute objections.
........................................
If my employer insurance goes away, I'm going to become Amish........ or an Amish, whatever it is.
|
|
| | | 1469 | biliruben
ID: 461142511 Tue, Jan 12, 2010, 14:01
|
Frick - Good question. No, I don't.
I feel that is part of a flawed political process, which should be addressed, perhaps by giving the president line-item veto power.
Until it is, I feel that it is a necessary evil in getting a bill through Congress.
|
|
| | | 1470 | Perm Dude
ID: 5510572522 Tue, Jan 12, 2010, 14:06
|
I really don't see the problem. These people are elected to represent their local interests--they are, in fact, doing their job when they are successful at inserting "special clauses" into bills.
In the best interest of the country? Maybe (when the process works, and it does most of the time). Until we elect at-large representatives I think we need to do away with the idea that Representatives are doing something wrong when they, uh, represent.
|
|
| | | 1471 | biliruben
ID: 461142511 Tue, Jan 12, 2010, 14:11
|
I think Frick was responding to be "petty self-interest" versus the "greater good" comment.
I don't think representatives should look out for their local self-interests at the expense of the broader, longer-term interest of the nation as a whole. Sure, there are circumstances where they do both, or at least aren't at odds. Then there are times when they are counter-productive to our national interests. I good representative should recognize when that's the case and take it into account.
|
|
| | | 1472 | Perm Dude
ID: 5510572522 Tue, Jan 12, 2010, 14:19
|
I think things would have to be tipped waaaay the other way to even begin to think that health care (for instance) was done in because Ben Nelson got a little something for Nebraska.
Seriously--this is how things work, by playing vested self-interest off each other. Who is to say that some broader national interest is *not* being served in this way? Sometimes, sure. But there is really no reason to think the nation is suddenly imperiled because of a process more than 225 years old.
|
|
| | | 1473 | biliruben
ID: 461142511 Tue, Jan 12, 2010, 14:22
|
Imperiled? No.
Flawed and often smarmy? Yes.
The system can be improved to be both more transparent and more equitable.
One failed election, and we have created a calloused political hack! ;)
|
|
| | | 1474 | Nuclear Gophers
ID: 7115138 Tue, Jan 12, 2010, 19:15
|
1468-Step 1Understand that to become Amish you must live among the Amish to show that you have fully given up your modern ways of thinking. The Amish must accept you as well. It may take years before you can become Amish.
Step 2Research the Amish beliefs. The more you know about the Amish way of life, the easier it will be to make the transition.
Step 3Learn the Amish language. The Old Order Amish speak Pennsylvania Dutch--a dialect of German. The children learn English when they start school. To truly become Amish you must be able to communicate in the Amish language.
Step 4Give away your worldly possessions. You won't need your television, car or other modern conveniences when you are Amish. The Amish only ride in cars when they have hired someone to take them somewhere that is too far to travel to by horse and buggy.
Step 5Make Amish clothes. All Amish clothes are home-made. The Amish men wear simple dark colored pants, vests and shirts. The women wear black dresses, white aprons and a black or white bonnet. Some Amish people purchase clothing from Amish tailors if they don't wish to make their own clothes.
Step 6Move into an Amish community and fully immerse yourself in the culture. It won't be easy at first, but soon you will adapt to the simple lifestyle.
If you cant do any of the above, you can live in sin. You wont get the break the amish get, but you will do better than if you were married.
|
|
| | | 1475 | Building 7
ID: 43735169 Tue, Jan 12, 2010, 20:48
|
I'm in a rare break-off sect of Amish. We don't follow any of those rules, except the one about weaseling out of this mandatory health care insurance.
|
|
| | | 1476 | Perm Dude
ID: 5510572522 Tue, Jan 12, 2010, 20:50
|
The Amish take care of their own. Unlike the Right, who prefers private insurance companies to take care of you. Unless you don't have insurance, then it is all your fault anyway.
|
|
| | | 1477 | Nuclear Gophers
ID: 7115138 Tue, Jan 12, 2010, 21:35
|
If I can afford it and I am responsible to do so, why not?
|
|
| | | 1478 | Nuclear Gophers
ID: 7115138 Tue, Jan 12, 2010, 21:41
|
So it is their fault. Dont spread my wealth for other peoples irresponsibility.
|
|
| | | 1479 | Nuclear Gophers
ID: 7115138 Tue, Jan 12, 2010, 21:43
|
Shame on you for spreading my wealth or any body elses.
|
|
| | | 1480 | Perm Dude
ID: 5510572522 Tue, Jan 12, 2010, 21:51
|
I'm not altogether certain which fibs about the health care plan you are referring to when you talk about "spreading my wealth."
The plan will be paid for by the premiums of those who pay into it. You don't want your money being used for this plan? Fine--don't purchase a plan on the exchange.
Seriously--this is a basic fact about the thing. This is like talking about "spreading your wealth" whenever someone else buys a roll of postage stamps.
|
|
| | | 1481 | Nuclear Gophers
ID: 7115138 Tue, Jan 12, 2010, 23:08
|
The tax on my hearing aids. Imagine that taxing the physicaly disabled. So I dont have a choice, when I buy my new hearing aids in 3 years, Ill be happy to know that my diability will help pay for some poor smuck who has his hand out, instead of using that money to put my kids through college. Choice-my kids or smuck. Oh wait a minute, I dont have a choice. Im being told what to do with my money by the government. Wall Street Journal-23 million people will still not have health insurance after its implimented. Hell of a plan, everybody getting screwed. Thats ok the blood bath is coming. MAYBE SOONER THAN WE EXPECT.
|
|
| | | 1482 | Perm Dude
ID: 5510572522 Tue, Jan 12, 2010, 23:12
|
Are you talking about sales tax? What tax, exactly, are you beefing about?
And what, exactly, do you think the government should not be doing? I know, I know--the government mispends a lot of money. But a general rant against taxes? A hell of a lot of money goes to things like clean water. Roads to drive around. Police, fire, military protection. The internet (paid for by tax dollars). Etc etc etc.
|
|
| | | 1483 | Nuclear Gophers
ID: 7115138 Wed, Jan 13, 2010, 06:34
|
The new tax proposed on hearing aids that is in the bill.
|
|
| | |
| | | 1485 | biliruben
ID: 461142511 Thu, Jan 14, 2010, 19:14
|
I couldn't have said it better myself.
Sure, call us failures if you want, but it’s people like us, eager to innovate and willing to take risks who have always been the engine of our economy, and from whom the occasional spectacular success arises. Do we really want to make their struggle even harder? Do we really want to sneer at would-be entrepreneurs, that if they want access to health care they should go get a job?
Or to phrase the question as clearly as possible: why was my salaried position at a venture-backed startup worthy of equal access to affordable health coverage, while my 24-hour workdays at my own startup was not? What is the economic or moral justification in that?
|
|
| | | 1486 | boikin
ID: 532592112 Thu, Jan 14, 2010, 19:38
|
It is called risk, if you are risk adverse to getting sick don't start a start up company. You did not see the 49ers going man seems unfair that it is so dangerous for me to cross the continent to find gold?
|
|
| | | 1487 | biliruben
ID: 461142511 Thu, Jan 14, 2010, 20:04
|
The point is incentives. Our country's economy thrives on small businessmen who take risks, and quit their cushy jobs in order to try and innovate. Do we really want to curb that behavior by making it so they are risking everything and bankrupting their family if they get really sick?
If I'm just risking a paying job, that's one thing. If I am risking bankrupting my entire family, that's a whole nother ball of wax.
Why should we have such inequitable system for who get affordable vs. unaffordable health insurance? It makes not sense and really stifles that innovative and entrepreneurial spirit that made our country great.
|
|
| | | 1488 | Perm Dude
ID: 5510572522 Thu, Jan 14, 2010, 20:14
|
So do all the dead people.
|
|
| | | 1489 | Razor
ID: 571022618 Thu, Jan 14, 2010, 20:32
|
It is called risk
It is called a pointless, unnecessary risk. If you can tell me why you think health insurance is better off tied to your job than not, I'd love to hear it.
|
|
| | | 1490 | Nuclear Gophers
ID: 7115138 Sun, Jan 17, 2010, 09:01
|
The unions have negotiated (behind close doors) a deal in which they dont have to pay an excise tax. Now I wonder who is going to pick up that tab? I hope that part of the negotiations will be televised on C-Span.
|
|
| | | 1491 | sarge33rd
ID: 280311620 Sun, Jan 17, 2010, 09:03
|
re this "marriage penalty" being raised by some;
MSN Money article on the topic
How the math works For an unmarried couple with income of $25,000 per person, combined premiums would be capped at $3,076 per year under the House bill. If the couple got married, with a combined income of $50,000, their annual premium cap would jump to $5,160, a "penalty" of $2,084. Those figures were included in a memo prepared by House Republican staff members.
The disparity is slightly smaller in the Senate version of health care legislation, chiefly because premium subsidies in the House bill are more targeted toward low-wage earners. Negotiations are under way to come up with a compromise bill that is acceptable to a majority in both the House and the Senate. Keep love alive when money is tight Go to TODAY Under the Senate bill, a couple with $50,000 combined income could pay as much as $3,450 in annual premiums if unmarried and $5,100 if married, a difference of $1,650.
Republicans say the effect on married couples whose combined income made them ineligible for subsidies would be even greater -- up to $5,000 or more -- but that is more difficult to measure because it includes assumptions about the price of insurance policies.
My last two employers, would have had me paying in the vicinity of $750-$900/m for insurance for two of us. That's between $9,000 and $10,800/yr. I'd be glad to take that "penalty" and pay $5,000-$6,000 less. In fact, at $6,000/yr I'd have bought the insurance. At damn near $11,000/yr...I'll go uninsured.
So, "penalize" me, and make it reasonable for me TO buy insurance.
|
|
| | | 1492 | Perm Dude
ID: 5510572522 Mon, Jan 25, 2010, 16:32
|
Awareness lags approval (no surprise here):
|
|
| | | 1493 | boikin
ID: 532592112 Mon, Jan 25, 2010, 16:49
|
What is that a chart of?
|
|
| | | 1494 | Perm Dude
ID: 5510572522 Mon, Jan 25, 2010, 16:53
|
Provisions in the actual bill passed, tabulated to awareness and support.
Here's the post at 538 in which the table is rendered and explained.
Nate Silver's point (which I agree with) is that much of the public have no idea about whether certain things are in the health care bill or not, and that much of the opposition to the bill arises from beliefs in things that simply aren't in the bill.
|
|
| | | 1495 | Nuclear Gophers
ID: 7115138 Tue, Jan 26, 2010, 19:41
|
17 Tax Increases in Senate Health Care Bill = $370.2 Billion The Joint Committee on Taxation has published a list of the 17 tax increases in the Senate health care bill, which are estimated to raise $370.2 billion in revenues over ten years:
1.40% excise tax on health coverage in excess of $8,500/$23,000 ($149.1 billion) 2.Employer W-2 reporting of value of health (negligible revenue effect) 3.Conform definition of medical expenses ($5.0 billion) 4.Increase penalty for nonqualified health savings account distributions to 20% ($1.3 billion) 5.Limit health flexible spending arrangements in cafeteria plans to $2,500 ($14.6 billion) 6.Require information reporting on payments to corporations ($17.1 billion) 7.Additional requirements for section 501(c)(3) hospitals (negligible revenue effects) 8.Impose annual fee on manufacturers & importers of branded drugs ($22.2 billion) 9.Impose annual fee on manufacturers & importers of medical devices ($19.3 billion) 10.Impose annual fee on health insurance providers ($60.4 billion) 11.Study and report of effect on veterans health care (no revenue effect) 12.Eliminate deduction for expenses allocable to Medicare Part D subsidy ($5.4 billion) 13.Raise 7.5% AGI floor on medical expenses deduction to 10% ($15.2 billion) 14.$500,000 deduction limitation on taxable year remuneration to health insurance officials ($0.6 billion) 15.Additional 0.5% hospital insurance tax on wages > $200,000 ($250,000 joint) ($53.8 billion) 16.Modification of section 833 treatment of certain health organizations ($0.4 billion) 17.Impose 5% excise tax on cosmetic surgery ($5.8 billion) Looks like spreading the wealth to me.
|
|
| | | 1496 | DWetzel
ID: 33337117 Tue, Jan 26, 2010, 19:53
|
Source?
Also, does the source mention any of the offsetting tax decreases by chance, or are they just picking and choosing from the entire bill and thereby completely distorting it and lying about what's really there in total?
|
|
| | | 1497 | Seattle Zen
ID: 1410391215 Tue, Jan 26, 2010, 19:54
|
NG
Here's an equation for you:
-3 + 4 = 1
"Minus three" is the amount of tax. "Four" is the amount of savings generated by the provisions of the plan. Most people will come out ahead, it's really that simple.
All you see is "minus three" and you say it sounds like "spreading the wealth." You conveniently forget the plus four. Therefore I feel confident in stating that you are completely wrong, quite wrong. That's okay, you watch lots of Fox News they quite frequently ignore half of the equation.
|
|
| | | 1498 | Perm Dude
ID: 5510572522 Tue, Jan 26, 2010, 20:02
|
In addition, some of those are not taxes at all. The data is pulled from the Revenue Effects portion of the Joint Committee on Taxation (downloadable here, in a 3-page pdf)
As Zen points out, this is only looking at part of the equation. The health care bill will save a boatload of money over that ten-year term.
|
|
| | | 1499 | biliruben
ID: 461142511 Tue, Jan 26, 2010, 20:18
|
I don't think we can completely deny this isn't a progressive bill.
I have seen estimates of restribution from rich to poor of about 140 billion iirc.
And that's a very good thing.
|
|
| | | 1500 | boikin
ID: 532592112 Wed, Jan 27, 2010, 10:13
|
-3 + 4 = 1
"Minus three" is the amount of tax. "Four" is the amount of savings generated by the provisions of the plan. Most people will come out ahead, it's really that simple.
savings what savings? Half the items listed in 1495 will increase the cost of health care.
|
|
| | | 1501 | Perm Dude
ID: 5510572522 Wed, Jan 27, 2010, 11:00
|
Which is only a part of the bill, boikin. The savings part isn't listed. And some of those listed in #1495 are shaded in a way which makes them seem bad but are not. #8 & 9, for example, will happily be paid, as they represent only about 20% of the additional profit that those companies will make as a result of the massive number of increased enrollees into their programs should this become law.
|
|
| | | 1502 | boikin
ID: 532592112 Wed, Jan 27, 2010, 11:37
|
Savings, what savings? I will agree those currently not insured and get sick will see savings and hospitals will see savings in treating these patients because they know they will get paid now. But honestly looking at large scale economic picture i do not see how you can actually cut the the cost of health-care. you can move the numbers around change who pays more who pays less, but the overall, big picture cost is not going to change.
|
|
| | | 1503 | Pancho Villa
ID: 29118157 Wed, Jan 27, 2010, 11:47
|
i do not see how you can actually cut the the cost of health-care
You probably can't as long as its profit-driven.
|
|
| | | 1504 | biliruben
ID: 461142511 Wed, Jan 27, 2010, 13:41
|
That's largely, though not completely true, PV.
There are for-profit entities in this country that have significantly better outcomes and vastly reduced costs to other for-profit entities. We need to provide the right incentives and do the research to figure out what works and what doesn't, using cost-benefit analyses.
As I have stated before, I think improving outcomes and lowering costs would be far easier if we just junked the health insurers, HMOs and all the other for-profit middle-men, but there are plenty of places to find savings even in our current dysfunctional system.
|
|
| | | 1505 | Perm Dude
ID: 5510572522 Wed, Jan 27, 2010, 14:01
|
Savings, you say? From the Senate bill (most of these are Medicaid related. You might recall that Medicaid is going to knock our budget off the rails if it continues as is):
* Simplify health insurance administration by adopting a single set of operating rules for eligibility verification and claims status (rules adopted July 1, 2011; effective January 1, 2013), electronic funds transfers and health care payment and remittance (rules adopted July 1, 2012; effective January 1, 2014), and health claims or equivalent encounter information, enrollment and disenrollment in a health plan, health plan premium payments, and referral certification and authorization (rules adopted July 1, 2014; effective January 1, 2016). Health plans must document compliance with these standards or face a penalty of no more than $1 per covered life. (Effective April 1, 2014) * Restructure payments to Medicare Advantage (MA) plans (except PACE plans) to base payments on the average of plan bids in each market, phased in over four years beginning in 2012, with bonus payments for quality, performance improvement, and care coordination beginning in 2014. Change plan service areas beginning in 2012. Grandfather the extra benefits in MA plans in areas where plan bids are at or below 75% of traditional fee-for-service Medicare (with requirement that these plans participate in a new competitive bidding process). Provide transitional extra benefits for MA beneficiaries in certain areas if they experience a significant reduction in extra benefits under competitive bidding, authorizing up to $5 billion for the period between 2012 and 2019 for rebates associated with extra benefits. * Reduce annual market basket updates for inpatient hospital, home health, skilled nursing facility, hospice and other Medicare providers, and adjust for productivity. (Effective dates vary) * Freeze the threshold for income-related Medicare Part B premiums for 2011 through 2019, and reduce the Medicare Part D premium subsidy for those with incomes above $85,000/individual and $170,000/couple. (Effective January 1, 2011) * Establish an Independent Payment Advisory Board comprised of 15 members to submit legislative proposals containing recommendations to reduce the per capita rate of growth in Medicare spending if spending exceeds a target growth rate. Beginning April 2013, require the Chief Actuary of CMS to project whether Medicare per capita spending exceeds the average of CPI-U and CPI-M, based on a five year period ending that year. If so, beginning January 15, 2014, the Board will submit recommendations to achieve reductions in Medicare spending. Beginning January 2018, the target is modified such that the board submits recommendations if Medicare per capita spending exceeds GDP per capita plus one percent. The Board will submit proposals to the President and Congress for immediate consideration. The Board is prohibited from submitting proposals that would ration care, increase revenues or change benefits, eligibility or Medicare beneficiary cost sharing (including Parts A and B premiums), or would result in a change in the beneficiary premium percentage or low-income subsidies under Part D. Hospitals and hospices (through 2019) and clinical labs (for one year) will not be subject to cost reductions proposed by the Board. The Board must also submit recommendations every other year to slow the growth in national health expenditures while preserving quality of care by January 1, 2015. * Reduce Medicare Disproportionate Share Hospital (DSH) payments initially by 75% and subsequently increase payments based on the percent of the population uninsured and the amount of uncompensated care provided. (Effective fiscal year 2015) * Eliminate the Medicare Improvement Fund. (Effective upon enactment) * Allow providers organized as accountable care organizations (ACOs) that voluntarily meet quality thresholds to share in the cost savings they achieve for the Medicare program. To qualify as an ACO, organizations must agree to be accountable for the overall care of their Medicare beneficiaries, have adequate participation of primary care physicians, define processes to promote evidence-based medicine, report on quality and costs, and coordinate care. (Shared savings program established January 1, 2012) * Create an Innovation Center within the Centers for Medicare and Medicaid Services to test, evaluate, and expand in Medicare, Medicaid, and CHIP different payment structures and methodologies to reduce program expenditures while maintaining or improving quality of care. Payment reform models that improve quality and reduce the rate of cost growth could be expanded throughout the Medicare, Medicaid, and CHIP programs. (Effective January 1, 2011) * Reduce Medicare payments that would otherwise be made to hospitals by specified percentages to account for excess (preventable) hospital readmissions. (Effective October 1, 2012) * Reduce Medicare payments to certain hospitals for hospital-acquired conditions by 1%. (Effective fiscal year 2015) * Increase the Medicaid drug rebate percentage for brand name drugs to 23.1 (except the rebate for clotting factors and drugs approved exclusively for pediatric use increases to 17.1%); increase the Medicaid rebate for non-innovator, multiple source drugs to 13% of average manufacturer price; and extend the drug rebate to Medicaid managed care plans. (Effective January 1, 2010) * Reduce a state’s Medicaid DSH allotment by 50%, or 25% for low DSH states, (and by lesser percentages for states meeting certain criteria) once the state’s uninsured rate decreases by at least 45%. DSH allotments will be further reduced, not to fall below 50% of the total allotment in 2012 if states’ uninsured rates continue to decrease. Exempt any portion of the DSH allotment used to expand Medicaid eligibility through a section 1115 waiver. (Effective October 1, 2011) * Prohibit federal payments to states for Medicaid services related to health care acquired conditions. (Effective July 1, 2011) * Authorize the Food and Drug Administration to approve generic versions of biologic drugs and grant biologics manufacturers 12 years of exclusive use before generics can be developed. (Effective upon enactment) * Reduce waste, fraud, and abuse in public programs by allowing provider screening, enhanced oversight periods for new providers and suppliers, and enrollment moratoria in areas identified as being at elevated risk of fraud in all public programs, and by requiring Medicare and Medicaid program providers and suppliers to establish compliance programs. Develop a database to capture and share data across federal and state programs, increase penalties for submitting false claims, and increase funding for anti-fraud activities. (Effective dates vary)
|
|
| | | 1506 | biliruben
ID: 461142511 Wed, Jan 27, 2010, 14:51
|
The return of Spach! ;)
|
|
| | | 1507 | Perm Dude
ID: 5510572522 Wed, Jan 27, 2010, 14:51
|
:)
|
|
| | | 1508 | boikin
ID: 532592112 Wed, Jan 27, 2010, 17:05
|
So in other words the bill just pushes government costs onto the general public? So in the end the net cost of health care will not change the numbers just get moved around. Oh wait i think I already said this in post 1502.
|
|
| | |
| | | 1510 | walk Dude
ID: 32928238 Mon, Feb 08, 2010, 14:13
|
Risks & Rewards of Obama's bi-partisan televised healthcare summit
Interesting...I wonder if it will pan out to be anything other than grandstanding, but if Obama can make the republicans either come up with a unified proposal (and not a series of ad-hoc amendments to the Dem proposal) OR show that they do not have a proposal at all, things could get a little more interesting.
I think the bigger reality is that country is in bad shape, and the Dems are in charge, the repubs are just gonna continue to try and play out the clock by saying no, not now, nevermind, and then get re-elected, only to have the Dems do the same thing starting in 2012 with president Palin, and then it's more of a much sharper downward spiral into a big, fat country that is in big, fat trouble. At this stage of the game, as Krugman says, America's not lost yet, but I think we are on the way.
|
|
| | | 1511 | Perm Dude
ID: 5510572522 Mon, Feb 08, 2010, 14:42
|
Obama is doing a rope-a-dope on them. They aren't going to be able to scream "Socialist!" at his face on TV, and when they whine about his lack of bipartisanship he'll be able to point to specific opportunities that they passed by.
Their best ideas on health care are already in the Senate bill. So Obama will be able to frame the debate right around them by making it an assumption that something needs to be done (i.e., a bill needs to be passed), and the only debate is how involved the Republicans want to be on it.
I can't see much political upside for the GOP who are pointing out Obama is so far outside the mainstream and yet here he will be, working with them in a way that puts to the lie all they've said about him. A group which prides itself on how much they oppose everything Obama is going to have a hard time continuing that track after a televised talk with him.
|
|
| | | 1512 | walk Dude
ID: 32928238 Mon, Feb 08, 2010, 15:19
|
That's a very patient, big pic and intelligent argument, PD, however, the cynical side of me tells me that the American audience is sorta "tuned out" of this level of discourse, and will not really pay attention to this discussion. I think there is a part "I've given up on American politics" wave (ie, liberals), a part "I don't want the gov't touching MY stuff wave" (ie, teabaggers), and a "I hate the Dems no matter what" wave, even if they have not really changed much since Bush left (ie, conservatives).
I know I am dismayed and cynical about how things are not progressing, due to stonewalling, and now their is clearly a "party-first" mentality, particuarly by the republicans, and how there is a reflex anti-Obama sentiment even though he's been in office only one year, inherited a tremendous mess, has a very wimpy Dem congress unwilling to pass laws with a 60-40 or "call the filibuster bluff" mentality, and a very obstructionist "party-first" republican minority that blocks everything in an effort to run out the clock and blame the Pres and the Dems for not taking advantage of their power and changing anything. The Dems are not united, and missed their opportunity to some degree (with Scott Brown's election), and the republicans refuse to pass any Dem-based proposals cos it makes the Dems look good. Country first?
I don't see the masses seeing what you are seeing, PD, in 2012, and the question will be whether the youth becomes cynical and passes up the vote again, or if they can be energized to repeat what they did in 2009.
What I would like to see, besides parliamentary rules changes regarding stupid filibustering which makes 59-41 moot, is the Dems calling the republicans' bluff on filibustering. Let them filibuster for-effing-ever, and see how that looks to the American public. It will really highlight the "party of no's" tactics, over & over again. Let's see how long it lasts. Go for healthcare with 59-41, and go for attacking the republicans about being the party of no, over & over again. Do not let them get away with it. Show the public how it's the republican against finance reform and regulation; they are are for the big banks and against main street, and inform the public that if they want more jobs, they are going to need to accept help from the gov't. You cannot say no to gov't help and ask for gov't help. Cutting taxes does not create jobs.
|
|
| | |
| | | 1514 | biliruben
ID: 461142511 Mon, Feb 08, 2010, 15:58
|
Just another attempt to shift the burden of unpredictability from entities more able to cope with variability, government or corporations, onto those much less able to cope with it - individual citizens.
This plan is a recipe for mass-suffering and bankruptcy.
|
|
| | | 1515 | Tree
ID: 248472317 Fri, Feb 12, 2010, 13:26
|
They're gonna have tigers there!!!
|
|
| | | 1516 | boldwin
ID: 481371112 Sat, Feb 13, 2010, 03:50
|
has a very wimpy Dem congress unwilling to pass laws with a 60-40 or "call the filibuster bluff" mentality - Walk
It's not wimpy, it's courage.
The reason is that there is not a liberal 60-40 split, there is a Dem 60/40 split, or rather there was.
And the courage was of those somewhat conservative Dems from conservative states standing up to leaders in their own party who can really hurt them.
|
|
| | | 1517 | bibA
ID: 01116297 Sat, Feb 13, 2010, 08:22
|
Is it courage when a progressive stands up to a tea bagger? Is it courage when a moderate Republican stands up to the far right?
Or is it only courage when someone who has standards you agree with go up against others, whether a majority or not?
|
|
| | | 1518 | Perm Dude
ID: 5510572522 Sat, Feb 13, 2010, 10:37
|
It isn't courage to lie about the President. Or to become a hypocrite regarding your policy stands because the only thing that matters is party solidarity.
Giving up your own political philosophy to maintain party cohesion is the opposite of courage.
|
|
| | | 1519 | Mith
ID: 43914286 Sat, Feb 13, 2010, 12:23
|
Actually healthcare was all set to pass before Scott Brown won. The conservative Democrat courage B refers to must be the phoney grandstanding by Senators Nelson and Lieberman, which of course they abandoned as soon as they were sufficiently bribed.
|
|
| | | 1520 | boldwin
ID: 481371112 Sat, Feb 13, 2010, 14:37
|
There were some anti-abortion Democrats whom I was particularly impressed with.
|
|
| | | 1521 | Perm Dude
ID: 5510572522 Sun, Feb 14, 2010, 19:20
|
I was too, actually, though I really don't know how you would characterize that as "courage" when, in fact, the wording they proposed was put into the bills wholesale. It doesn't take a ton of courage to know that whatever you propose will not only be taken seriously, but actually come to pass.
|
|
| | | 1522 | Pancho Villa
ID: 29118157 Thu, Feb 18, 2010, 10:33
|
Some of my California friends are up in arms over Anthem Blue Cross rate increase.
Josh Libresco of San Rafael, Calif., got a letter from his health insurance company two weeks ago. When he opened it, he was shocked.
Anthem Blue Cross faces questions over why it raised premiums by 39 percent.His insurance carrier, Anthem Blue Cross of California, had raised his premium by 39 percent -- resulting in a $300 monthly premium increase. The company cited the rising costs of health care as the reason for the increase on individual policy holders.
Instead of $858 per month, Libresco, a marketing researcher with a family of four, would now pay $1,192 for his coverage.
"I don't understand why they have to raise rates by 39 percent," he said.
Libresco isn't alone. All across the country, Americans are getting similar notices from insurance companies.
Nearly a million Californians with individual insurance plans have received letters from Anthem notifying them of the rate hike. The rate of increase varies, but some customers said the hike makes their insurance unaffordable....
Anthem Blue Cross's parent company, WellPoint Inc., earned a record $2.7 billion in profits for the last quarter of 2009. Its quarterly sales grew to $19 billion, up 26 percent from $15.1 billion in the comparable 2008 period, Health and Human Services Secretary Kathleen Sebelius has said.
Sebelius has insisted that the company justify the rate increase in detail to her agency. "We need to make sure that companies are spending their money on health claims, not on overhead costs," she added.
Apparently, pressure from the administration has been effective, at least temporarily.
Los Angeles, CA - Anthem Blue Cross's announcement today that it will temporarily suspend a premium increase of up to 39% or more should not deter the California Legislature from taking immediate action to regulate health insurance premium increases, said Consumer Watchdog.
Other California health insurers -- including Blue Shield of California and PacifiCare -- have already announced similar increases. Existing law is inadequate to restrain health insurers from issuing excessive rate increases.
"Blue Cross customers know after years of double-digit rate increases that the company's voluntary withdrawal of the rate increase can't be trusted," said Jerry Flanagan, Health Care Policy Director for Consumer Watchdog. "The legislature should step in immediately to require all California health insurers to get permission from the Insurance Commissioner before rates are increased." link
It's a shame that claims of commie care and death panels overshadow the obvious need for reform and regulation. We should be applauding the administration for pressuring Anthem Blue Cross into temporarily halting this increase while enjoying billions in new profits. We hear plenty of noise from Tea Party advocates bemoaning taxes, but isn't a 39% increase in one's health insurance just a different form of taxation? If the government announced a 39% increase in taxes, what would be the reaction?
|
|
| | | 1523 | walk Dude
ID: 32928238 Thu, Feb 18, 2010, 12:27
|
"...but isn't a 39% increase in one's health insurance just a different form of taxation?"
Excellent post, #139, PV.
|
|
| | | 1524 | Pancho Villa
ID: 29118157 Thu, Feb 18, 2010, 12:52
|
Just found this update on Anthem Blue Cross's parent company, WellPoint Inc.
Shares of WellCare Health Plans Inc. tumbled nearly 14% Thursday after the managed-care provider offered a weaker outlook than expected in its fourth-quarter earnings report and said medical costs had risen.
Wonder if the bad pub from their 39% increase had anything to do with it. After wading through all the mumbo jumbo, the last sentence is quite telling.
While WellCare expects a drop in medical expenses on both its Medicaid and Medicare programs, its administrative expense ratio is likely to climb, the company said.
link
|
|
| | |
| | | 1526 | Boldwin
ID: 2155174 Sun, Feb 21, 2010, 05:46
|
Everyone supports a free lunch and too many support robbing some rich guy somewhere and dropping off the loot at their house.
But less people really believe that really works out for the best in the long run and the real world.
|
|
| | | 1527 | Pancho Villa
ID: 29118157 Sun, Feb 21, 2010, 09:07
|
a free lunch....
the real world
As pointed out in my post #1522, Josh Libresco lives in the real world. He's not looking for a free lunch. He's wondering why Anthem Blue Cross can raise his insurance premiuim by 39% from $858 per month to $1,192 for his coverage.
You would be outraged if your property tax was raised 39% by legislation, but at least there's a process. All Anthem Blue Shield has to do is write a letter, and then boast of their billion dollar profits.
In the real world, businesses are simply dropping health insurance as a perk because it's unsustainable.
In the real world, the self-employed can't even think about health insurance unless they're making upwards of 50 grand a year, and even then the premiums consume around 30% of net.
Why don't you just admit that you oppose health care reform because your political heroes oppose it and spare us the free lunch and real world analogies.
|
|
| | | 1528 | Perm Dude
ID: 5510572522 Sun, Feb 21, 2010, 09:37
|
Who the hell is asking for a "free lunch?" People want insurance companies to stop dropping people who are sick, to cover pre-existing conditions, and want the government to help people who can't afford insurance. That's no "free lunch."
The more people find out what is actually in the healthy care bill, the more they support it. This is a sales problem on the part of the Democrats.
|
|
| | | 1529 | Mith
ID: 58136177 Sun, Feb 21, 2010, 09:41
|
But less people really believe that really works out for the best in the long run and the real world.
Once again, the minimum amount of research that an independant thinker would do (in this case clicking the provided link and looking at the actual questions asked in the poll) would show that the data does not support this contention. For the point and click impared:5. As you may know, Barack Obama has proposed a plan to change this country’s health care system. From what you have seen or heard about what he has proposed, what is your OVERALL opinion of Obama’s health care reform plan – do you favor it or oppose it? Favor: 40 Oppose: 49 (i know i said majority, figures I don't get challenged on that one) DK: 11
6. Now I’m going to read you some SPECIFIC proposals people have made to change the health care system. As I read each one, please tell me if you personally favor or oppose this change. Here’s the (first/next) proposal…. Do you favor or oppose this proposal (to change the health care system)? ALWAYS ASK ITEMS a-c AS A GROUP, IN ORDER:a. Requiring that all Americans have health insurance, with the government providing financial help to those who can’t afford it: Favor: 59 Oppose: 36 DK: 5 =100 b. Requiring most businesses to offer health insurance to their employees, with tax incentives for small business owners to do so: 75 20 5 =100 c. If health coverage is required for everyone, imposing fines on individuals who don’t obtain coverage and on larger businesses that don’t offer it: 28 62 10 =100 d. Requiring health insurance companies to cover anyone who applies, even if they have a pre- existing medical condition: 76 19 5 =100 e. Creating a government-administered public health insurance option to compete with private plans: 50 42 8 =100 f. Creating a new insurance marketplace – the Exchange – that allows people without health insurance to compare plans and buy insurance at competitive rates: 81 13 6 =100 g. Preventing insurance companies from dropping coverage when people are sick: 59 38 3 =100 h. Imposing a tax on insurers who offer the most expensive health plans, the so-called Cadillac plans, to help pay for health care reform: 34 55 11 =100 7. Now please think about the proposals I just described to you. ALL of these proposals are included in Barack Obama’s health care reform plan. Having heard these details, what is your OVERALL opinion of Obama’s plan – do you favor it or oppose it? Favor: 48 Oppose: 43 DK: 9
|
|
| | | 1530 | Perm Dude
ID: 5510572522 Sun, Feb 21, 2010, 13:05
|
It is probably worth a mention that the change in the support happened without any mention that the health care plan, according to the CBO, is revenue neutral. While that might not matter as much for the self-described Democrats in the surveys of this sort, knowing the real facts about the plan (including the costs) causes large jumps in support the more conservative the person tells the pollster they are.
I recall reading one place (can't find it now), where the parts of the plan were spelled out in a survey (including the CBO response on costs) and when asked the self-described Republicans overwhelmingly called it "the Republican plan" as opposed to "the current Democratic plan in Congress."
So while the Dems are terrible at selling what it actually in the plan (i.e., the policy ideas) the Republicans have been very good about lying about what the Democrats are planning in the bill.
|
|
| | | 1531 | Boldwin
ID: 2155174 Sun, Feb 21, 2010, 20:20
|
And you are one rosy scenario true believer.
The CBO did Obama some insanely helpful propaganda. They accepted assumptions that are never gonna happen.
Ask Madman about the ridiculous assumptions the CBO were willing to start from. I've already posted them before and just don't feel like digging for them and posting them over and over.
|
|
| | | 1532 | Perm Dude
ID: 5510572522 Sun, Feb 21, 2010, 20:23
|
Absolutely they make assumptions. As they did with the Republican plan.
Indeed, if you'd read any of Madman's comments on them, you would have had to skip over the other half of that conversation to miss that he and I were engaged in dialogue on the subject.
The difference between CBO assumptions and, say, industry assumptions is that the CBO is up front with theirs. And your side hasn't don't anything except take potshots at the fact that the CBO bases it's numbers on assumptions.
This is like complaining that we are enveloped in a miles-thick blanket of air. No kidding. Now tell me why this is wrong. Or why people, the more they learn about what is actually in the bill, support it more and more.
|
|
| | | 1533 | Boldwin
ID: 2155174 Sun, Feb 21, 2010, 20:29
|
The bottom line is that when Obama tells you this is gonna save money or be revenue neutral he is telling the big lie.
Not even when he slashes benefits for everyone and kills off granny will this thing be cheaper.
|
|
| | | 1534 | DWetzel
ID: 278201415 Mon, Feb 22, 2010, 09:43
|
So CBO = Obama now?
|
|
| | | 1535 | Mith
ID: 58136177 Mon, Feb 22, 2010, 09:51
|
Only when it supports the left's contentions. When it sides with the right you can pretty much trust the findings are born of truth and righteousness.
|
|
| | | 1536 | biliruben
ID: 16105237 Mon, Feb 22, 2010, 10:02
|
Boldwin How can you be so dogmatically convinced the CBO is lying about it being revenue neutral?
Who are you listening to that is more credible than these economists?
I realize that there are a lot of unknowns, and that assumptions can sometimes be tricky and sometimes be very wrong, but lying? Lying?
Who, with the specialized chops to understand these models is convincing you they are lying?
|
|
| | | 1537 | sarge33rd
ID: 280311620 Mon, Feb 22, 2010, 11:19
|
Who, with the specialized chops to understand these models is convincing you they are lying?
AC
|
|
| | | 1538 | boikin
ID: 532592112 Mon, Feb 22, 2010, 11:28
|
Re 1529: interesting that 6.c is in opposition to 6.a and 6.b.
here is my question how come the health bill is 1000 pages long if 6.a-h are included in the bill and are important to the American public how come the bill is not like 8 pages long? I do not think people are opposed to the bill because of the 20 or so pages that make sense to them it is the other 980 pages that make no sense to them that they disagree with.
|
|
| | | 1539 | sarge33rd
ID: 280311620 Mon, Feb 22, 2010, 12:45
|
How can they "disagree" with any of it; when they clearly have not READ, any of it?
As for why is it as long as it is? I'd venture to guess any number of reasons:
1) It's a complex issue. Any "simple" fix, is bound to open more holes than it plugs.
2) Every one wanted "their say" included in it. To get wide spread support in the Legislature; it seems too many people had to be "appeased" by getting "their bit" included.
Between those two elements, I don't see how it could be LESS than 1,000 pages.
|
|
| | | 1540 | Perm Dude
ID: 5510572522 Mon, Feb 22, 2010, 13:00
|
Actually, those provisions take a *lot* of pages. Virtually every word has to be defined, and references to changes and incorporations into other ordinances have to occur as well.
Nothing gets done at 20 pages which involves health insurance.
|
|
| | | 1541 | boikin
ID: 532592112 Mon, Feb 22, 2010, 14:21
|
1) It's a complex issue. Any "simple" fix, is bound to open more holes than it plugs.
you sure it is not the other way around?
|
|
| | | 1542 | biliruben
ID: 461142511 Mon, Feb 22, 2010, 14:52
|
When you try to shoe-horn an overhaul into a structure that's particularly ill-suited to the goals (eliminating discrimination, expanding coverage, lowering costs) you are trying to attain, then it's gonna take a lot of verbiage. Particularly due to the stable of high-paid lawyers the insurers have.
If we simply banned the practice of selling private health insurance, we could keep it significantly more simple. But because we insist in continuing the debilitating fantasy that "free markets" are a reasonable structure for health insurance, we get into some pretty complex problems.
|
|
| | | 1543 | boikin
ID: 532592112 Mon, Feb 22, 2010, 14:58
|
But because we insist in continuing the debilitating fantasy that "free markets" are a reasonable structure for health insurance, we get into some pretty complex problems.
And i guess you also believe in creationism and that evolution is made up.
|
|
| | | 1544 | Boldwin
ID: 111562213 Mon, Feb 22, 2010, 14:59
|
Baucus Bill Would Cost More than $2 Trillion
Posted by Michael F. Cannon
Sen. Max Baucus’s (D-MT) health care overhaul would cost more than $2 trillion. It would expand the deficit. But he has carefully and methodically hidden those facts – so well that he has completely hoodwinked nearly all the major media.
The media are reporting that the Baucus bill would reduce the deficit by $81 billion over 10 years. Wrong.
The Baucus bill assumes that Congress will allow the “sustainable growth rate” cuts in Medicare’s physician payments to occur beginning in 2012. Yet Congress has routinely and repeatedly blocked those cuts, making Baucus’s assumption preposterous. The CBO handled the issue delicately, but essentially said, “Sure, provided that the sun rises in the west in 2012, then yes, this bill would reduce the deficit.”
That means Baucus will come up at least $200 billion short on the revenue side, making his bill a budget-buster.
The media are reporting that the Baucus bill would cost just $829 billion over 10 years. Wrong.
As Donald Marron observes, that number omits as much as $75 billion in new federal spending. It also omits a $33 billion unfunded mandate on state governments.
But the worst part is that the Congressional Budget Office’s preliminary cost estimate omits the cost of the private sector mandates in the Baucus bill. In Massachusetts, those costs accounted for 60 percent of the total cost of reform. That suggests the actual cost of the Baucus bill – $829 billion plus $75 billion plus $33 billion, times 2.5 – is well over $2 trillion.
Yet the CBO score pretends those costs aren’t even there. It’s like a mystery novel that’s missing the last 50 pages. And the media aren’t even curious. - Cato Institute
|
|
| | | 1545 | biliruben
ID: 461142511 Mon, Feb 22, 2010, 15:01
|
I guess you think obtuse sarcasm is productive and clever.
|
|
| | | 1546 | Boldwin
ID: 111562213 Mon, Feb 22, 2010, 15:04
|
And that's if it actually didn't have the usual cost overruns and congressional add-ons, bureaucratic waste, fraud and abuse and all the traditional reasons government programs always costs more than advertised.
|
|
| | | 1547 | Perm Dude
ID: 5510572522 Mon, Feb 22, 2010, 15:06
|
The media are reporting that the Baucus bill would reduce the deficit by $81 billion over 10 years. Wrong.
Actually, that's correct. The media were indeed reporting that.
:)
Seriously, I haven't found anything more recent than that October blog post you've quoted, but the Baucus bill wasn't the one that was passed in final form in the Senate. In fact, the CBO has issued several updates to its original report--the last update was in late December, I believe.
None of this adds or deletes from your original statement that the CBO was "lying."
|
|
| | | 1548 | Boldwin
ID: 111562213 Mon, Feb 22, 2010, 15:09
|
Making preposterous assumptions they know won't materialize counts for lying.
|
|
| | | 1549 | boikin
ID: 532592112 Mon, Feb 22, 2010, 15:09
|
No it has a point billi and that is free markets are merely a product of evolution, believing that man can create a plan is like believing in creationism.
|
|
| | | 1550 | Perm Dude
ID: 5510572522 Mon, Feb 22, 2010, 15:15
|
Making preposterous assumptions they know won't materialize counts for lying
No, it doesn't. Making an estimate and showing your work isn't lying--it is the opposite of lying, in fact. Particularly when the estimates (which perhaps you've never actually read first hand?) come with all sorts of cautions about the assumptions.
|
|
| | | 1551 | biliruben
ID: 461142511 Mon, Feb 22, 2010, 15:16
|
Social Darwinism kills.
|
|
| | | 1552 | Boldwin
ID: 111562213 Mon, Feb 22, 2010, 15:19
|
They learned how to hide the costs well, after Hillary faled...
This weekend, the Congressional Budget Office released “a very strange memo” titled, “Budgetary Treatment of Proposals to Regulate Medical Loss Ratios.” You wouldn’t know it from the title, but that little memo is the smoking gun that shows how congressional Democrats have very carefully hidden more than half the cost of their health care bills.
First, a little history. Like both the House and Senate bills, the Clinton health plan would have mandated that individuals and employers purchase private insurance. In its 1994 score of the Clinton plan, Bob Reischauer’s CBO included those mandated “private” payments in the federal budget –- i.e., as federal revenues and federal expenditures.
And yet, none of the CBO scores of this year’s bills include the costs of similar individual/employer mandates as federal revenues or federal spending.
My read of the CBO’s score of the Clinton health plan is that the private-sector mandates accounted for around 60 percent of the Clinton health plan’s total cost, the remainder being (traditional) government spending. So how is it that the CBO made the full cost of the Clinton health plan apparent to the public in 1994, but may now be revealing only 40 percent of the cost of the Obama health plan?
For some time, I’ve suspected the answer is that congressional Democrats have very carefully tailored their individual and employer mandates to avoid CBO’s definition of what shall be counted in the federal budget. Democrats are still smarting over the CBO’s decision in 1994. By revealing the full cost of the Clinton plan, the CBO helped to kill the bill.
Since then, keeping the cost of their private-sector mandates out of the federal budget has been Job One for Democratic health wonks. While head of the CBO, Obama’s budget director Peter Orszag altered the CBO’s orientation to make it more open and collaborative. One of the things about which the CBO has been more open is the criteria it uses to determine whether to include mandated private-sector spending in the federal budget. The CBO even published a paper on the topic. Read this profile of Orszag by Ezra Klein, and you’ll see that those criteria were also a likely area of collaboration with lawmakers.
The Medical Loss Ratios memo is the smoking gun. It shows that indeed, Democrats have been submitting proposals to the CBO behind closed doors and tailoring their private-sector mandates to avoid having those costs appear in the federal budget. Proposals that would result in a complete cost estimate — such as the proposal by Sen. Rockefeller discussed in the Medical Loss Ratios memo — are dropped. Because we can’t let the public see how much this thing really costs.
Crafting the private-sector mandates such that they fall just a hair short of CBO’s criteria for inclusion in the federal budget does not reduce their cost, nor does it make those mandates any less binding. But it dramatically reduces the apparent cost of the legislation. It is the reason we’re all talking about an $848 billion Reid bill, rather than a $2.1 trillion Reid bill.
If someone sold you a house, or a car, or a mutual fund this way, we would put them in jail. - Cato Intstitute
Michael F. Cannon • December 16, 2009 @ 8:49 am
|
|
| | | 1553 | Boldwin
ID: 111562213 Mon, Feb 22, 2010, 15:22
|
And that, 'my friends' is what Obama and the Illinois mafia brought to the table. A decade or two of experience burying all the state tax increases as creative fees and mandates on the private sector just without pointing out that they were effectively exactly nothing less than taxes.
|
|
| | | 1554 | Perm Dude
ID: 5510572522 Mon, Feb 22, 2010, 15:26
|
So the CBO didn't do estimates with assumptions before Obama? Really?
And when Obama was elected, suddenly the Congressional budget office became beholden to the Executive branch.
Wow. Who'd have thunk it?
|
|
| | | 1556 | Boldwin
ID: 111562213 Mon, Feb 22, 2010, 15:41
|
They've learned how to rig the CBO's assumptions. The same thing that was a tax in 94 is overlooked in 09-10.
|
|
| | | 1557 | Perm Dude
ID: 5510572522 Mon, Feb 22, 2010, 16:00
|
Riiiight. You are at the nexus of when conspiracy theory meets rightwing partisan politics. At least you're not alone. In 2012, about 35% of the country will probably be voting for your preferred candidate.
Meanwhile, some more dispassionate analysis of the various GOP bills, and comparison with the three Democratic bills.
The GOP bills don't cost as much, mostly because they don't do much. And there are a lot of things in the GOP bills that are in the Democratic ones already.
|
|
| | | 1558 | Boldwin
ID: 111562213 Mon, Feb 22, 2010, 18:55
|
Riiiight.
That is exactly what the Cato Institute said,
The CBO counted federal mandates as taxes in 94 and pretended they did not exist and did not figure in the calculations this time. Are you calling them a liar on this? Because I will be happy to prove the point further.
|
|
| | | 1559 | Perm Dude
ID: 5510572522 Mon, Feb 22, 2010, 19:43
|
Cannon is playing a semantic game that you took hook, line, and sinker. It might be because you believe the word "tax" to have magical properties with which you can bash "liberals." Cannon wants to re-define "taxes" in a way even the CBO didn't mention. Honestly, this is all simply too tiresome to even refute.
|
|
| | | 1560 | Boldwin
ID: 111562213 Mon, Feb 22, 2010, 21:16
|
No, the Dems are playing the semantics game and the CBO should have scored it the same way they scored the Clinton socialized medicine attempt.
|
|
| | |
| | | 1562 | Seattle Zen Leader
ID: 055343019 Tue, Feb 23, 2010, 21:01
|
So they want to reorganize one-sixth of the United States' economy with a document shorter than a comic book
I love how Republicans are actually PROUD that a sixth of our economy is sunk in health costs.
|
|
| | | 1563 | Boldwin
ID: 111562213 Wed, Feb 24, 2010, 06:38
|
|
|
| | |
| | | 1565 | Perm Dude
ID: 5510572522 Thu, Feb 25, 2010, 14:52
|
The GOP is on extremely shaky ground if they are going to try to demonstrate that the health care plan will raise premiums. All Obama needs to do is show how premiums are already rising by double digit percentages each year.
Obama best sells the overhaul when he accurately points out what people are experiencing right now with health insurance.
Is this the first time that the Republicans are arguing that adding millions of people into the health insurance market will actually cause prices in that market to rise? Is there any other market where they have made that case?
|
|
| | | 1566 | Mith
ID: 58136177 Thu, Feb 25, 2010, 15:27
|
I admit I love seeing Paul Ryan slapped.
Takes a lot more than an Ronald Reagan hairdo, son.
|
|
| | | 1567 | Boldwin
ID: 111562213 Thu, Feb 25, 2010, 16:05
|
Government run, government mandated and government subsidized is not market.
|
|
| | | 1568 | walk Dude
ID: 32928238 Fri, Feb 26, 2010, 12:25
|
Market is not working. Insurance companies making huge $ is not more important than helping sick folks.
It's not "gov't run." It's gov't regulated, which is what is sorely lacking resulting in too many uninsured, too many unable to get coverage for pre-existing conditions, and too many losing insurance when they get really ill. Something needs to be done cos it's just morally right.
I am fine with the Dems using reconciliation like the way Bush did for both sets of tax cuts (which helped the recession and create the huge budget deficits).
|
|
| | | 1569 | biliruben
ID: 461142511 Fri, Feb 26, 2010, 13:26
|
Indeed.
I haven't heard one workable proposal from the right that even attempts to address to "death spiral" in the individual market -
- Healthy people can't afford insurance and drop coverage - A higher % sick people remain, meaning costs go up for insurers - Insurers raise rates - Healthy people can't afford insurance and drop coverage Rinse and repeat.
What the Laissez Fairies really mean when the say free market is - "Let the sick who can't afford insurance just die already." They have no plan except big, busy ovens.
|
|
| | | 1570 | boikin
ID: 532592112 Fri, Feb 26, 2010, 14:21
|
That is because there is not a solution for the "death spiral" unless you so how make people not want to get treatment.
|
|
| | | 1571 | boikin
ID: 532592112 Fri, Feb 26, 2010, 14:22
|
That is because there is not a solution for the "death spiral" unless you so how make people not want to get treatment.
|
|
| | | 1572 | biliruben
ID: 461142511 Fri, Feb 26, 2010, 14:58
|
If that's your workable proposal, I'm having a bit of trouble following what you mean.
Sorry to be dense, but could you rephrase?
|
|
| | | 1573 | boikin
ID: 532592112 Fri, Feb 26, 2010, 17:17
|
sorry about the double post and the bad grammer, ill try again. All i am saying is that no possible solution will cut costs unless it convinces people to go without treatment.
|
|
| | | 1574 | Perm Dude
ID: 5510572522 Fri, Feb 26, 2010, 17:26
|
Some clear rationing might have to occur, and having people share some of the costs of the treatments might cause self-rationing. As it is, one of the main problems with the current system is that there is a complete disconnect between costs and services, so expensive tests and treatments which have minimal benefits are often ordered.
But anyone who believes there isn't rationing right now, at the discretion of insurance companies, probably isn't paying much attention.
In the end, if more people are in the system, preventative medicine will help keep some of those treatments from ever becoming necessary.
|
|
| | | 1575 | biliruben
ID: 461142511 Fri, Feb 26, 2010, 17:31
|
What about all the costs not associated with treatment, such as:
- Health insurer profits - out-sized executive compensation - malpractice awards and settlements and associated insurance premiums and lawyer's fees - multiple levels of redundant public and private bureaucracy
Some of this can be eliminated entirely, with little or no effect on treatment.
Admittedly, in some circumstances there is a problem of over-treatment which drives up costs, but the solution to that is more driven by intervening with the practitioner, not the patient.
|
|
| | |
| | | 1577 | Perm Dude
ID: 5510572522 Sun, Feb 28, 2010, 09:40
|
Probably the best way to do it. Oh, the GOP will scream. But like the Stimulus Bill, it is the best thing to do despite the no-nothing and preening partisanship from the Right.
|
|
| | | 1578 | Seattle Zen Leader
ID: 055343019 Sun, Feb 28, 2010, 11:33
|
I've been in favor of passing this through reconciliation since the beginning, and my desire to go that route went way up once Sen. Nelson blackmailed his way into all of the "Nebraska is special" provisions.
It's time for the Democrats to take off their shoes and make some wine.
|
|
| | | 1579 | Boldwin
ID: 421172615 Thu, Mar 04, 2010, 15:46
|
Sabotage...doing it exactly wrong so that they can claim the only answer is more socialism:'Washington knows best'
By BETSY MCCAUGHEY, February 24, 2010
'Washington knows best" is in full swing: President Obama hasn't invited any governors to tomorrow's health-reform summit -- even though states have overseen health insurance for six decades.
Indeed, states' experience ought to guide any bid to reform the system -- some, for example, are making stunning progress in keeping down costs.
Of course, the president and his allies in Congress are eager to exploit some state-level problems -- such as some recent bad news from California.
Health insurer Anthem announced that on March 1, premiums would rise 39 percent, a clear hardship for some Californians. Why? Anthem said the recession caused healthy people to drop coverage, leaving sicker people in the insurance pool; it also blamed a recent change in California law forcing it to sell some kinds of coverage below cost.
Whatever the ultimate facts, the state was dealing with it, as it should. California's (elected) insurance commissioner immediately suspended the increase pending an investigation. And the Legislature announced it would revisit a failed bill to require that rate hikes be approved by state regulators.
But apparently even the blue state that boasts Hollywood and Silicon Valley can't be trusted to deal with its health-insurance woes. Democrats in Washington grabbed the issue to try to resuscitate ObamaCare.
The president cited the Anthem rate hike as a sign of dire troubles across the nation, unless his "health reform" becomes law. Rep. Henry Waxman (D-Calif.) summoned Anthem executives for an inquisition by his House Energy and Commerce Committee, and Sen. Dianne Feinstein (D-Calif.) announced legislation to empower federal regulators to deny rate hikes in states (like California) whose voters have decided against having state regulators do so.
The funny thing is, Californians have regulated insurance so competently that they pay a small fraction of what New Yorkers do. For example, an HMO plan costs a 25-year-old California male $264 a month; a New Yorker has to pay $1,228 for a similar policy.
Some states, including California, have taken smart steps to lower costs and reduce the number of uninsured. Yet ObamaCare copies the mistakes of the states that have failed -- such as New York and Massachusetts.
New York's health-insurance disaster began in 1992, when it adopted "community rating" and "guaranteed issue" -- forcing insurers to offer everyone the same premium, regardless of health status, and to sell to all comers, no matter how sick. (Most states let insurers charge healthy people lower prices -- and then create subsidized high-risk pools to enable the sick to buy coverage.)
New York's "reforms" meant that people could literally wait until they had an accident or illness before buying a policy -- changes that more than doubled insurance costs in the state, according to the Empire State Center for New York State Policy.
Premiums shot up so far and fast that healthy customers dropped insurance altogether -- with the number of people buying individual policies plummeting from 750,000 in 1994 to 36,000 now.
To compensate for that disaster, New York lawmakers expanded Medicaid eligibility. But that forced private premiums up even higher -- because Medicaid underpays hospitals and doctors, who must raise prices for everyone else to compensate. (Hospitals, for example, get only 86 cents from Medicaid for every dollar of care, according to 2009 MedPAC data.)
These two premium-boosters -- guaranteed issue/community rating, plus expanding Medicaid -- are central parts of the president's health proposal.
So is New York's third huge mistake -- laws forcing every health plan to offer a vast array of services. Over the years, lobbyists for chiropractors, acupuncturists, mental-health professionals, wig makers and others got the Legislature to pass laws that every policy cover their services -- 51 requirements in all. Each such mandate may add just 0.5 percentage points to the price of a plan -- but that totals a 25 percent increase.
Similarly, under the president's proposal, everyone has to enroll in the "qualified plan" designed by -- you guessed it -- Washington experts. (Overseen, inevitably, by Congress -- which will surely see an increase in lobbying by chiropractors, acupuncturists . . .)
There will be no freedom to choose the coverage you want.
There's a better way. In 2001, New Jersey saw health-plan enrollment dropping -- so the state let insurers offer pared-down plans. Sales boomed. New Jersey, with half the population of New York, now has three times as many privately insured residents, notes health-policy expert Tarren Bragdon.
Such state achievements are being ignored by "Washington knows best" lawmakers, who are pressing ahead with a one-size-fits-all health plan that copies what's failed in the states rather than what's succeeded.
Worse still, the national plan will be mandatory. To foresee the results, look at Massachusetts -- which made health insurance mandatory in 2006, and now has the highest premiums in the country. So let's find out what is failing most dramatically and copy that method. They'll be clamoring for more nanny-state in no time.
|
|
| | | 1580 | DWetzel
ID: 278201415 Thu, Mar 04, 2010, 17:01
|
So, let's see, doing it right = socialism, and doing it wrong = socialism.
Doesn't leave a whole lot of other options, does it?
|
|
| | | 1581 | Biliruben movin
ID: 358252515 Thu, Mar 04, 2010, 17:29
|
Betsy has tied her arguments into so many contadictory rhetorical knots, it would take all day to untie it to the where you could provide a rational critique.
Probobly a smart strategy for a woman who has repeatedly demostrated little knowledge of how health care works, and what little she thinks she knows has been repeatedly shown to be false.
|
|
| | | 1582 | Perm Dude
ID: 5510572522 Thu, Mar 04, 2010, 17:40
|
Ms "Death Panel" strikes again. Shame seems to be in short supply on the Right.
|
|
| | | 1583 | sarge33rd
ID: 280311620 Thu, Mar 04, 2010, 19:31
|
Anthem recorded record profits for last year. (or quarter. I dont recall, but read about this at the time.)
The CA govt did NOT act, until the general public raised holy-hell and forced the issue.
Seems shame, AND honesty; are both in short supply on the right these days.
|
|
| | | 1584 | sarge33rd
ID: 280311620 Thu, Mar 04, 2010, 19:33
|
FTR Boldwin; why aren't you mentioning Hawaii's mandated health care system? You know, the one that took such good care of Rush?
|
|
| | | 1585 | J-Bar
ID: 33229421 Thu, Mar 04, 2010, 22:30
|
Sarge, nice statement, unsure what it means. Maybe you believe that the State of Hawaii paid for all of his care. Riiiight!!!
One question that I have is why can't we implement changes to Medicaid and Medicare that are true cost saving measures, show a reduction of costs, and improve the quality of care prior to expansion. With at least 50-60% (low estimate from my talks with local clinics and hospital but may be high for other areas) of patients (seen) already covered by government funded health care, control to make procedural changes already exists to make these programs more efficient.
Bili-- What amount of profit is sufficient in the industry that you work in?
|
|
| | | 1586 | DWetzel
ID: 33337117 Thu, Mar 04, 2010, 22:48
|
"One question that I have is why can't we implement changes to Medicaid and Medicare that are true cost saving measures, show a reduction of costs, and improve the quality of care prior to expansion."
These are laudable goals, and are worth doing but to answer your question (very simplistically): Because this, by itself, does nothing at all to help people who are in need of fairly basic medical care but are unable to get it under the current system.
|
|
| | | 1587 | J-Bar
ID: 33229421 Thu, Mar 04, 2010, 23:06
|
But here is where the trust can be built and attained to make the passage of another entitlement program more palatable to the opposition citizenry. Those programs are definitely broken and are a part of the overall health care system (the same system referred to as broken by many). I am unsure what your definition of basic medical care is and who is not able to get it.
|
|
| | | 1588 | DWetzel
ID: 33337117 Thu, Mar 04, 2010, 23:16
|
"But here is where the trust can be built and attained to make the passage of another entitlement program more palatable to the opposition citizenry. Those programs are definitely broken and are a part of the overall health care system (the same system referred to as broken by many)."
I don't think that there is anything that could be done to "gain the trust" of a solid majority of people opposed to health care reform. Ask Boldwin if making Medicare reforms come first would increase his willingness to look at some of the other stuff for one second. We both know the answer to that. (Hint: any such answer would involve at least one of "socialist", "marxist", "death panels!" or "blue-shirted thugs".)
|
|
| | | 1589 | J-Bar
ID: 33229421 Thu, Mar 04, 2010, 23:47
|
Showing that you are competent to fix already broken entitlement programs can go along way with moderates (both rep and dem). I think that it is easier to pass an entitlement program than to fix, correct, or God forbid repeal one. Politically no one wants to take on the true budget problems facing us. I just do not see how adding another (possibly bigger) entitlement expense along with all of the other deficit spending is sustainable. I have insurance and have made choices in my life to make less money to ensure that my family was covered. I think that most of us make these life choices and if healthy 20-35 year olds elect to only have catastrophic insurance then they should be able to make those decisions. Basic medical care is available to all Americans. The safety nets already exist and the rips in those should be fixed before taking on the challenge of another IMO.
|
|
| | | 1590 | Perm Dude
ID: 5510572522 Thu, Mar 04, 2010, 23:57
|
You make some good points, J-Bar. I think, though, that there are some areas in which the health insurance companies clearly are out-of-bounds (canceling insurance when you get sick, raising premiums for calling them and asking questions about your policy, etc). Also, the cost of insurance, particularly for small businesses, is really staggering.
For more and more people, the ability to get affordable insurance isn't there anymore.
|
|
| | | 1591 | J-Bar
ID: 33229421 Fri, Mar 05, 2010, 00:31
|
The points you make seem to me should make this a health insurance regulation bill as opposed to a health care reform bill. I do not believe the contentious parts of the bill are the ones dealing with the insurance regulations that you mentioned. That stuff is easy just like the feel good credit card guidelines recently implemented.
Insurance premiums or tax burden which is the lesser of 2 evils for small business. At least one allows you the opportunity to separate yourself when vying for quality employees.
|
|
| | | 1592 | Perm Dude
ID: 5510572522 Fri, Mar 05, 2010, 00:38
|
I think that is exactly right--this bill *is* more of a health insurance regulation bill.
Most all of the bill, frankly, is not contentious at all. But many of the people criticizing it are simply trying to make political hay about it. #1525 sums up much of the debate about the issue, I think.
The choice you point out is one that some small business are no longer really making these days, since they can't afford to pay both! And small businesses are the economic engine for any recovery we'll have.
Some small business taxes have gone down under Obama (not enough, IMO, but some), and the health care bill gives both tax credits and other incentives for small businesses to pool together to find more affordable insurance on the Exchange being set up.
Small businesses have been bearing a proportionally larger share of the health insurance premium increases because they aren't big enough to negotiate better deals from the insurance companies, and yet need to continue to offer health insurance in some form as an employee benefit.
|
|
| | | 1593 | Wilmer McLean
ID: 4921952 Fri, Mar 05, 2010, 03:20
|
I blame my Commodore 63 1/2. This thread takes a full moon cycle to load. So, can a moderator start a Health Care Debate II thread?
|
|
| | |
| | | 1595 | Farn Leader
ID: 451044109 Tue, Jun 21, 2011, 20:12
|
Man robs bank to get health care
We don't need the health care system to be fixed. We're betting off paying for:
- the police to arrest him - court systems to prosecute him - his food - his housing - the guards who have to watch him - and the medical care he could have gotten if we had better health care.
|
|
| | | 1596 | sarge33rd
ID: 372291615 Tue, Jun 21, 2011, 20:31
|
with UE benefits running out for thousands upon thousands, one has to wonder how they plan to eat, let alone obtain any kind of health care.
|
|
| | | 1597 | Boldwin
ID: 8562116 Wed, Jun 22, 2011, 00:13
|
Maybe Russia which paid off their national debt and China which holds everyone's IOU's [they bought with slave labor] will offer to bail the EU out. The USA too.
|
|
| | | 1598 | Perm Dude
ID: 5510572522 Wed, Jun 22, 2011, 00:18
|
So long as the GOP wants to focus on paying down debt long before they will create a single job, we better keep China on speed dial.
We aren't going to solve the country's economic problems by having a zero balance on our country's T-bill ledger. But we sure as hell will make it worse if we decide not to invest in this country.
|
|
| | | 1599 | sarge33rd
ID: 372291615 Wed, Jun 22, 2011, 01:10
|
Just to clarify B, I said UE, not EU. (UE = UnEmployment)
|
|
| | | 1600 | Boldwin
ID: 8562116 Wed, Jun 22, 2011, 02:00
|
Ahh....ok. I see a whole lotta extended family residence consolidation in the future.
|
|
| | | 1601 | Perm Dude
ID: 5510572522 Wed, Jun 22, 2011, 10:22
|
That's already going on, actually. I just read that there are two million fewer "households" in this country, based upon what we would expect due to population growth. Will try to dig up that link.
|
|
| | | 1602 | Perm Dude
ID: 5510572522 Thu, Jun 23, 2011, 14:25
|
Found the link.
Avent spins this as a positive--a built-up demand for future housing. I'm not so certain about that, since I think the demand previously was for underutilized and unneeded new McMansion construction. But the household numbers are certain there.
|
|
| | | 1603 | Boldwin
ID: 47542289 Tue, Jun 28, 2011, 10:47
|
We'll have fun when Obamacare butts up against this unanimous SCOTUS decision."[i]impermissible interference with state sovereignty is not within the enumerated powers of the National Government." It adds, "an action that exceeds the National Government's enumerated powers undermines the sovereign interests of States." - Bond v. United States Bond won and by extention 'we the people' won out over an overwheening power glutted central government.
|
|
| | | 1604 | Perm Dude
ID: 5510572522 Wed, Jun 29, 2011, 10:20
|
"ObamaCare" stands on the Commerce Clause, on which SCOTUS has already taken the Administration's side of the argument many times. That's the area upon which it will stand or fall.
|
|
| | | 1605 | Boldwin
ID: 465448 Mon, Jul 04, 2011, 09:56
|
The insanity of Obamacare laid open with one simple question...
Does congress have the enumerated power to force obese people to go to Weight Watchers? - George Will
And that is the insidious detail. Once you allow government to get it's nose into the tent suddenly it has a compelling interest to mandate virtually everything in your life.
Your activity or inactivity effects your health/government pays for your health/ergo:jumping jacks on the count of three or be fined into submission.
In fact that is the secret unstated reason they think they have the right to go into the privacy of our vehicles and strap a belt on us. Once they surreptitiously forced limited socialized medicine on hospitals by forcing them to treat the indigent or lose federal funding...the government then had a compelling reason to force people to wear seatbelts. That invasion of privacy [or were motorcycle helmet laws first?] was like the canary in the mineshaft showing us just how little they thot of our freedom.
Until Obamacare is overturned this country is no longer the land of the free. We're just marxist serfs until the people manage to throw the marxist PD's of the world off our backs.
|
|
| | | 1606 | biliruben
ID: 59551120 Mon, Jul 04, 2011, 10:46
|
Why you think that has anything to do with ObamaCare I have no idea.
You might have some allies on this issue if you could reel in your strident, constant and unyielding hatred of Obama long enough to focus on the real targets.
Once we began to monetize our personal freedoms, we started down the wrong path. That was far before Obama.
|
|
| | | 1607 | Perm Dude
ID: 5510572522 Mon, Jul 04, 2011, 11:36
|
We've lost the patient, doctor. So sorry.
|
|
| | | 1608 | bibA
ID: 48627713 Mon, Jul 04, 2011, 14:43
|
We're just marxist serfs.....
And here I had been taught that to live under Marxist rule was terrible. I gotta say that the lives of my friends and neighbors, and mine in particular, is no worse now than during the good ol' pre-marxist days. Actually, we're doing pretty good.
I realize I can't speak for the rest of the country. I feel bad for you folks in Illinois, or wherever it is these Marxists are forcing people to live under them.
|
|
| | | 1609 | Boldwin
ID: 465448 Mon, Jul 04, 2011, 17:44
|
bibA
Some people dependents love having a nanny hold their hand and tell them what to do next every step of the way.
Why they pick derisive DMV employees as their gods to rule them, I've never figured out.
|
|
| | | 1610 | DWetzel
ID: 33337117 Mon, Jul 04, 2011, 19:30
|
Totally agree with your middle sentence. Wish you guys would stop, too!
|
|
| | | 1611 | sarge33rd
ID: 1964421 Mon, Jul 04, 2011, 22:04
|
re 1605...isnt it the AZ Republican Govt, requiring diabetics on medi-care there, to either lose weight or lose their benefits? (Seems I posted something about it when I first ran across it)
Point being B, it isnt the Dems you need to fear. Its your vaunted Republicans.(Watch "V for Vendetta" again, if you havent in awhile. THAT, is precisely where todays Republicans would take us.)
|
|
| | | 1613 | Boldwin
ID: 5111492117 Fri, Dec 21, 2012, 19:21
|
Freedom of conscience with a win.On Friday, September 21, 2012, the Illinois Court of Appeals upheld a trial court’s injunction against the State of Illinois that protects the right of pro-life pharmacy owners to refuse to stock and sell the morning-after pill and similar drugs that interfere with the development of human life at its earliest stages. I expect plenty more attempts to force people to break their consciences, especially using Obamacare.
|
|
| | |
| | | 1615 | sarge33rd
ID: 12554167 Mon, Dec 24, 2012, 22:29
|
sorry TRS...thats nonsense. They both absolutely ducked, dodged and avoided the question. The 2nd fella, coming up with some BS anti-Obama scenario, in total disregard of the question put to them.
|
|
| | | 1616 | ChicagoTRS
ID: 1550160 Tue, Dec 25, 2012, 11:03
|
A lot of truth in the broader points.
|
|
| | | 1617 | Pancho Villa
ID: 59645318 Tue, Dec 25, 2012, 14:44
|
Dinesh D'Souza is probably the least objective person one could find to discuss anything Obama related. This video is no different. D'Souza immediately attacks Obama as coming in and taking from one person, giving it to another and claiming moral outrage.
When are we going to start being honest when it comes to this issue?
Long before Obama was president, health insurance was available for the relatively wealthy, the poor, the elderly and those fortunate enough to work for a company that provided health insurance, or at least paid a portion of it.
Even then, for those who pay for their private health insurance, those companies consistently look for ways not to pay for services for a myriad of reasons. How moral is that? Pay for something, then, when you need it, get denied because you used a doctor out of network. At least if you have government insurance (Medicaid/Medicare) you know you won't be billed for treatment you thought was covered.
I don't know enough about Obamacare to make a very intelligent analysis, but I do know that it perpetuates the expensive middle man of private insurance, even if it forces them to accept clients they wouldn't currently.
Many small businesses genuinely can't afford to insure their employees, but many huge profit-making corporations can. Where's the morality of a Walmart, Papa John's or Olive Garden cutting hours just enough to deny their employees coverage? And what do these employees do for insurance? Yep, Medicaid, so these corporations are, in effect, forcing people into government programs which ends up costing Joe Taxpayer more in the end.
As for me, I'm going to wait and see what kind of fine I'll be forced to pay before I decide whether or not, as a self-employed businessman who refuses to pay upward of $1,000 a month to insure myself and my two kids, to buy a private plan.
Of course, that doesn't make any sense either, but I have to pay workman's compensation fund not to be covered, which is mandated by my very conservative state, and morally questionable as well. It's especially irksome because Workman's Compensation Fund is a major sponsor of the NBA Utah Jazz, so I have to sit through their commercials when watching a game as they proclaim "Be Safe." Don't know what they pay the Jazz to be a major sponsor, but they're a monopoly. Why do they need to advertise?
|
|
| | | 1618 | Boldwin
ID: 011322421 Tue, Dec 25, 2012, 15:52
|
They are using your money to propagandize you into politically sponsoring them.
|
|
| | | 1619 | Boldwin
ID: 911502615 Wed, Dec 26, 2012, 22:28
|
The Wise Latina hits Hobby Lobby with daily $1.3 million fines beginning Jan. 1 if they don't violate their religious consciences.
Next it will be similar fines if people don't violate their consciences in supporting gay activities.
|
|
| | | 1620 | sarge33rd
ID: 12554167 Wed, Dec 26, 2012, 22:38
|
Hobby Lobby, is not a religious organization. They are not, entitled to foist THEIR religion, upon others.
|
|
| | | 1621 | Boldwin
ID: 911502615 Thu, Dec 27, 2012, 06:38
|
It is Hobby Lobby's monetary support of an impossible conscience violation that is in question.
Not yours. Not the employees.
And you just love the idea of using government coercion to break people's christianity or their lives.
|
|
| | | 1622 | sarge33rd
ID: 12554167 Thu, Dec 27, 2012, 07:11
|
It has been actuarially proven, that when an insurance company ADDS contraceptive coverage, that companies costs under the policy, go down. There is NO monetary contribution on HL's part required. NONE.
|
|
| | | 1623 | Boldwin
ID: 911502615 Thu, Dec 27, 2012, 08:17
|
Have the green shades go back and check the 'lost souls' column.
You may think crushing people's religions and conscience is sport.
|
|
| | | 1624 | Pancho Villa
ID: 59645318 Thu, Dec 27, 2012, 09:40
|
crushing people's religions
You forgot to add sending them to gulags.
|
|
| | | 1625 | Perm Dude
ID: 201027169 Thu, Dec 27, 2012, 10:41
|
But they get free striped clothing as a result.
And the health care is to die for.
|
|
| | | 1626 | Pancho Villa
ID: 59645318 Thu, Dec 27, 2012, 11:00
|
Whenever I need advice on crafts, or medical issues, or religions being crushed, I turn to Aunt Peaches.
|
|
| | |
| | |
| | | 1629 | Frick
ID: 2193319 Sat, Feb 02, 2013, 21:31
|
It will be interesting to see the responses. I don't see Notre Dame accepting it, as they are self-insured. So the proposed solution doesn't really address their issue.
|
|
| | | 1630 | Perm Dude
ID: 201027169 Sat, Feb 02, 2013, 22:05
|
Actually it might. Full proposal here (pdf).
From the doc:
With respect to self-insured group health plans, the eligible organization would notify the third party administrator, which in turn would automatically work with a health insurance issuer to provide separate, individual health insurance policies at no cost for participants. The costs of both the health insurance issuer and third party administrator would be offset by adjustments in Federally-facilitated Exchange user fees that insurers pay
|
|
| | | 1631 | Frick
ID: 157331422 Sun, Feb 03, 2013, 15:53
|
That seems reasonable to me, but who knows how the various groups will react.
Am I reading it correctly that it essentially comes from a tax that groups already pay? If so, I don't think they can argue against it, as they already often pay taxes that are used to fund things they are against.
|
|
| | | 1632 | Perm Dude
ID: 201027169 Wed, Feb 20, 2013, 13:28
|
The Swiss option, deconstructed
I've seen (but haven't read deeply) some conservatives floating Switzerland as a free market option the US should be emulating. Apparently, like much of Europe, the widespread regulatory underpinnings of their system hasn't been understood by those same commentators.
|
|
| | |
| | |
| | | 1635 | Boldwin
ID: 22130283 Thu, Feb 28, 2013, 04:31
|
Does anyone know how long it will be before I get my first fine? I'm afraid to look.
|
|
| | | 1636 | Boldwin
ID: 22130283 Thu, Feb 28, 2013, 04:37
|
|
|
| | | 1637 | biliruben
ID: 41431323 Thu, Feb 28, 2013, 08:52
|
Are you seriously uninsured and in heart failure?!?
I guess I gotta hand it to you. You are definitely living your ideals. Or not living.
Just to warn you, you will have to be nearly destitute to qualify for medicaid. You realize you may be risking your wife's happy retirement security and a home to live in, right?
You better hope you can hold on until Obamacare kicks in. It may just save your wife a lot of misery and hardship.
I recommend checking if Illinois has a high-risk pool. Yesterday.
|
|
| | | 1638 | Boldwin
ID: 261462818 Thu, Feb 28, 2013, 20:02
|
In a completely bankrupt country I don't even dream of financial security or lasting government bennies.
|
|
| | | 1639 | sarge33rd
ID: 4609710 Thu, Feb 28, 2013, 21:07
|
none of which has a damn thing to do with here and now.
|
|
| | | 1640 | biliruben
ID: 59551120 Fri, Mar 01, 2013, 10:10
|
For your wife's sake, I hope you can somehow manage to separate your conspiracy theories and your doomsday beliefs from the part of the brain the can help keep a roof over her head.
|
|
| | | 1641 | Boldwin
ID: 2924816 Fri, Mar 08, 2013, 19:32
|

Patient-Centered Outcomes Research Institute
The Patient- Centered Outcomes Research Institute (PCORI) has signed a long-term 13,433 SF lease at 1828 L Street, DC.
AFAIK this is the location of the death panel. Always a lie in the name of dem projects. How is finding ways to deny you the treatment your doctor thinks is best for you, patient centered?
|
|
| | | 1642 | Boldwin
ID: 463291715 Wed, Apr 17, 2013, 19:11
|
SynergyFREE medical check up! Go in any airport line! You'll get a full scan, a vigorous breast exam, and if you mention terrorism, a colonoscopy! - Tom Francois, Twitter Dunno, maybe there's an opportunity for some economizing there?
|
|
| | | 1643 | Boldwin
ID: 400591317 Mon, Jan 13, 2014, 19:03
|
What if Americans rebel against the Obamacare mandate?"I don't think Obamacare can survive without people wanting to buy it," Bob Laszewski, the respected health care analyst whose writings on Obamacare have become essential in recent months, told me in an email exchange recently. "How the hell are you going to enforce a mandate to buy something that people don't think is valuable enough to buy? If the uninsured don't start to see value in Obamacare and buy it, is the Democratic solution to fine the heck out of them until it hurts so much they have to buy it? Great political strategy!" --- "The problem with Obamacare is it’s product driven and not market driven," Laszewski told Klein. "They didn’t ask the customer what they wanted. And I think that’s the fundamental problem with Obamacare. It meets the needs of very poor people because you’re giving them health insurance for free. But it doesn’t really meet the needs of healthy people and middle-class people."
Of course, the individual mandate forces people to buy coverage whether it meets their needs or not. And Laszewski sees a real possibility that it won't work. If enough dissatisfied Americans simply don't buy the product, he said, that would create political momentum "to get rid of the mandate/fine — which is effectively the same thing as getting rid of Obamacare." And if that happens, the American health system will be in entirely uncharted territory.
|
|
| | | 1644 | Frick
ID: 432501512 Tue, Jan 14, 2014, 10:13
|
Couldn't you basically say the same thing about auto insurance? If it wasn't required, many people wouldn't get it. If you don't have assets, why bother with insurance. It already happens, hence uninsured motorist coverage. If it wasn't required that premium would go up significantly.
I hope that the Republicans are successful in their terrorism and scare tactics against Obamacare and it fails. And is replaced by a single payer system that exists in virtually every other developed country. Yay for unintended consequences.
|
|
| | | 1645 | Perm Dude
ID: 431013412 Tue, Jan 14, 2014, 11:00
|
There sure is a lot of hope and reach in how the Far Right is talking about Obamacare now. It is like gay marriage for them: They don't like it, viscerally, and are watching in dismay as it goes on around them with them being unable to stop it.
|
|
| | | 1646 | Khahan Donor
ID: 39432178 Tue, Jan 14, 2014, 12:57
|
Couldn't you basically say the same thing about auto insurance? No, you can't because you are not required to purchase auto insurance simply for being a member of the general populace. The purchase of auto insurance is tied to owning and operating a vehicle.
Health insurance, under the ACA is tied to simply existing in this country.
Going back to Baldwin's post, the first paragraph is spot on - people do not want to buy it. Out of 35,000,000 uninsured people it was supposed to help we had, what 100,000 in the first month? At this point we have a grand total of 2,000,000 out of a supposedly 35,000,000 signed up? The people who didn't have it before still dont want it.
My own office has a guy who is signing up people in Pa. I've heard him sitting in with customers and hear the comments. People dont want it. People can't afford it. People neither want it nor can they afford it. People didn't have it before because they didnt need it and still dont need it.
There is not a some right wing conspiracy tying obamacare down and preventing it from succeeding. There is not a political play happening that is undermining Obamacare. There is simply working class citizens of this country who are speaking with their inaction.
|
|
| | | 1647 | Frick
ID: 432501512 Tue, Jan 14, 2014, 13:31
|
They can afford health insurance, they don't want to give up other spending to do so.
Like most insurance, you don't need it until you have a claim. The major difference being that the bills are much, much higher if you don't have health insurance. And since individuals can't pay, that cost gets passed along to those who can pay. The current model of healthcare in the US is broken. That model is if you don't have health insurance, it doesn't matter. If you get into a major medical situation, a person declares bankruptcy, or works out a payment plan to pay a miniscule fraction of their total owed, thus driving up the costs for others. If they get a long-term disease, they bitch and complain about how expensive it is and they can't afford it.
|
|
| | | 1648 | Tree
ID: 438482411 Tue, Jan 14, 2014, 14:56
|
you aren't required to purchase health insurance. you can opt-out.
as Frick pointed out - Health insurance is something you only want when you need it. you pay for it, but hope you never use it.
|
|
| | | 1649 | Khahan Donor
ID: 39432178 Tue, Jan 14, 2014, 15:59
|
"The current model of healthcare in the US is broken."
Yes it is. Something I think all sides agree on. But the ACA doesn't fix it. All it does is require you to buy into it. And yes, you are required to buy it Tree. If you dont, you get fined. There's no splitting hairs or word-smithing you can feed us. Buy it or pay a fine.
And no frick, they cannot afford. A lot can't and a lot dont know how to get aid for it.
|
|
| | | 1650 | Boldwin
ID: 140171818 Sat, Jan 18, 2014, 19:17
|
Functionality problems of 'the website' are putting the entire insurance industry at risk.
'I told you so' is so apt. My Cassandra Complex is coming along swimmingly, thank you for asking.
|
|
| | | 1651 | Khahan Donor
ID: 39432178 Mon, Jan 20, 2014, 09:44
|
The 'funcationality of the website' is a huge red herring that I hope the right jumps off of soon.
The website could work wonders - you could log in, have all your personal info auto-downloaded from NSA, click 1 button and purchase a plan in 2 seconds flat. And it still wouldn't matter. The people who the ACA was designed to get into the health insurance market still wouldn't want to do it and most still wouldn't do it.
And those who have to change plans - would still be paying more than they were last year. From my experiences of the customers in my office, I'd say only 1 in 4 pay less. And most of those who are paying more pay significantly more.
|
|
| | | 1652 | Perm Dude
ID: 431013412 Mon, Jan 20, 2014, 11:22
|
I think the Right is happy to jump from one "Obamacare is a trainwreck!!" story to the next. In fact, they have painted themselves into a corner on the issue, and it will only get played over and over.
For a change, the willingness of citizens to grind up yesterday's news as soon as it leaves the screen will leave the Right with in continual harpy mode.
|
|
| | | 1653 | sarge33rd
ID: 390471112 Mon, Jan 20, 2014, 13:46
|
So what if premiums DO go up? The consumer, is getting more than they used to.
No lifetime limit on benefit payments. Can not be cancelled because of future diagnosis. Loss ratios under 80% result in rebates TO the policy holders. Dependent adult children can remain on family policy until age 26.
That is all WORTH more. Dont want to buy insurance? You prefer to be a leech and let your neighbors taxes pay your healthcare? Since when did the GOP champion THAT position? (and remember, this whole thing was the Republicans idea, which they endorsed as recently as 2007. It wasnt until a black Democrat got it done, that they opposed it. (They, referring to the GOP talking heads that tell the rest of the GOP adherents what to think..)
|
|
| | | 1654 | Khahan Donor
ID: 39432178 Mon, Jan 20, 2014, 14:25
|
The vast, vast, vast majority of people will never even give those kinds of benefits a single thought Sarge. The average, regular person is NOT getting better benefits that they actually care about.
And the ability to 'be a leech' is only because of stupidly ridiculous rules put in place that forced people's hands - like guaranteed treatment (not saying that particular one is bad, but the result is the leech mentality), allowing insurance companies to make health decisions (now THAT is bad), allowing insurance companies to determine pricing (now THAT is bad). Those are just 3 examples of how the system itself is broken.
Again, I've parroted this since well before the ACA became reality - these plans proposed by Washington do NOT fix the problems with health care. Not a single one of them did. Not the Ryan plan, not the ACA, not the ACA when it was republican sponsored, not a single plan fixes healthcare in this country.
Step 1 is to make it affordable and the ACA does NOT address that in the least. In fact it seems to painfully go out of its way to ignore the true root causes.
This is not new, healthcare debates II post 1119 I make it very clear that its not a rep vs dem issue for me
I've stated before post 59 that the true culprits making our healthcare suck aren't addressed.
post 116 again I clearly state I believe our problems are not being solved by either side.
So quit trying to make this is a party issue with me. Because I've been clear for years that both parties simply suck in their attempts to fix these problems and I dont like what either party is trying to do.
I want the actual problems solved. I dont want to be able to say, "my side won."
|
|
| | | 1655 | sarge33rd
ID: 390471112 Mon, Jan 20, 2014, 14:52
|
The ACA needs to be recognized for what it is Khahan. The best that could be done, in the current political environment. Universal Healthcare is coming. My lifetime? Maybe, maybe not. My childrens? Possibly. My Grand-childrens? Absolutely.
|
|
| | | 1656 | Perm Dude
ID: 431013412 Mon, Jan 20, 2014, 20:46
|
Khahan: The popularity of the changes individually, is pretty high, in poll after poll. What is interesting (to me, anyway!) is that when the word "Obamacare" is used, people suddenly fly away from it.
That's why I'm not so worried about the long-term health of the ACA. As soon as people start looking at it from a personal care point of view rather than a political argument, it becomes much more clear.
You're right that the cost of care is only a presumed side-effect from more people in the system (along with a requirement that insurance companies pay out a certain percentage into benefits).
|
|
| | | 1657 | Frick
ID: 29235107 Thu, Apr 17, 2014, 09:12
|
Obamacare Story
A first hand account of how the ACA worked for a self-employed individual.
|
|
| | | 1658 | biliruben
ID: 28420307 Fri, Apr 18, 2014, 05:23
|
Absolutely awesome. Multiply that by hundreds of thousands each year and a hearty FU to those misguided souls (I will be generous) who opposed, and continue to oppose it.
|
|
| | | 1659 | Khahan
ID: 16341313 Fri, Apr 18, 2014, 07:52
|
Trust me bili, for every person with a story like that who comes out of my buddies office, there are 5 who lost a good plan they could afford and now have a crap plan they can't afford. Or didn't want it in the first place and cant afford it anyway. We can sit here with anecdotal evidence all day long. Doesn't prove or mean a thing.
|
|
| | | 1660 | Boldwin
ID: 413541719 Fri, Apr 18, 2014, 10:42
|
I juuuust barely managed to get blood pressure medicine for my wife before her supply expired. This crisis was entirely caused by Obamacare. We are worlds worse off because of it.
|
|
| | | 1661 | biliruben
ID: 41431323 Sat, Apr 19, 2014, 00:25
|
Glad to hear you've signed up. It should save your life.
|
|
| | | 1662 | holt
ID: 38338181 Sat, Apr 19, 2014, 14:47
|
ACA is rotten to the core. It's easy to think it's wonderful if you aren't one of the people getting worked over by it.
|
|
| | | 1663 | Perm Dude
ID: 431013412 Sat, Apr 19, 2014, 15:10
|
Somehow, all the absolute crap that health insurance companies would do in order to screw over people every single chance they could, is now all Obama's fault.
These were people who would cut you off of your insurance as soon as you tried to use it. Would raise your rates when you called to ask questions about your policies. And refused to cover millions of people in this country. Somehow, I doubt all that sleaze actually left the system.
|
|
| | | 1664 | Khahan
ID: 16341313 Sat, Apr 19, 2014, 16:31
|
"Somehow, all the absolute crap that health insurance companies would do in order to screw over people every single chance they could, is now all Obama's fault."
No, t hat is the health insurance industry fault. But the fact that obamacare gave us a 'new health care system" without actually changing much of anything IS obama's fault.
|
|
| | | 1665 | weykool
ID: 54011222 Sat, Apr 19, 2014, 21:07
|
Its the fault of everyone who voted for the bill before they could find out whats in it. The entire premise of the bill defies all laws of economics. If we demand/force everyone to buy something then magically the price will drop. Really? On what planet? As with most laws passed by congress the title of the bill accomplishes the complete opposite of what it claims. The Unaffordable Care Act (UCA) is much closer to the point. Wait until all the decent doctors retire en mass and then we will see the the true evil of Obama's plan.
|
|
| | | 1666 | Perm Dude
ID: 431013412 Sun, Apr 20, 2014, 00:23
|
The bill wasn't sold as you getting cheaper health insurance. It was sold as getting better insurance, allowing small businesses to actually get insurance for their employees should they want, and to save billions of tax dollars by the government.
The fact that many people had to give up junk policies (where, when they tried to use their policies for actual health care coverage they would have been surprised to find huge deductibles, lifetime caps, and very little actual coverage) is a feature of the bill, not a bug. Just like laws about corporate fleet mileage improvements, and safety requirements such as airbags, save us a ton of money, and lives, despite the loss of muscle cars and exploding Pintos.
So far, Obamacare is actually working. This, more than anything, really pisses off the GOP who have gone all-in on hating on the ACA. So much so that they continue to trot out people with sob stories that seem to disappear as soon as they hear the actual facts of the law.
I've long maintained that we could have done better. For example, a single payer system would save much more money and has better health outcomes. But the ACA is much, much better than what we had despite having to deal with the same health insurance companies.
|
|
| | | 1667 | sarge33rd
ID: 390471112 Sun, Apr 20, 2014, 00:28
|
32 yr old FL woman dies, because she had no insurance
THIS, is what happened before the PPACA and is happening still in GOP controlled states that refused to expand medi-care. Congratulations...those standing in opposition to the PPACA killed this woman.
|
|
| | | 1668 | Boldwin
ID: 29358203 Sun, Apr 20, 2014, 05:01
|
The bill wasn't sold as you getting cheaper health insurance
You personally claimed it would save us money. I mean other than the euthanasia savings which you denied.
|
|
| | | 1669 | sarge33rd
ID: 390471112 Sun, Apr 20, 2014, 11:24
|
taken on the whole, it WILL save money, so sayeth the CBO. (An organization you are famous for selectively quoting.)
|
|
| | | 1670 | biliruben
ID: 81382416 Sun, Apr 20, 2014, 11:28
|
There is a big difference between "cheaper health insurance" and "save us money".
The first is a statement regarding individual coverage. Some people will pay more, some less. I've heard, with actual apples to apples comparisons, where the coverage is similar, 5 people pay less for everyone 1 person who pays more.
As for society, yeah it will almost certainly save us money, but not nearly as much as single payer.
This is, after all, a plan designed by the heritage foundation, which insisted in maintaining a "market" in a place where there is little hope for a well functioning one.
But it's a hell of a lot better than what we had.
|
|
| | | 1671 | Perm Dude
ID: 431013412 Sun, Apr 20, 2014, 13:03
|
Exactly. The Right simply isn't interested in the difference between "cheaper health insurance" and "affordable health insurance for all" or even "saving taxpayer money." That would mean a good-faith discussion of health care insurance in this country, which they haven't any interest in doing for many years.
Whatever Obama wants they are against, even if they were for it before.
|
|
| | | 1672 | Khahan
ID: 16341313 Sun, Apr 20, 2014, 13:44
|
Please, spare us the sad stories that do not support your point. Yes, it is sad and it is devastating but absolutely NOTHING proves that having health insurance would have made a difference for her. Not one single thing at all. So quit with the heart strings and try dealing in actual facts.
And 'affordable health insurance for all' is a big fat joke. I had a gentlemen in my office on thursday complaining about all insurance. His auto had gone up $60. His homeowners had gone up $70. His health insurance had gone from $420 a month to $1380 a month. Yes, $1380 a month for him and his wife.
Affordable my ass. My own eyes and my own experience are telling me that the American public is simply being gouged by health insurance companies and that the ACA is allowing it. Again, the ACA did NOTHING at all. Not one thing to actually fix the cost of health insurance for the general public. And I promise you Im a lot closer to dealing with it than any of you. I'm not looking at propaganda. I'm not listening to talking heads giving talking points. I'm not listening to either side trying to support or bash a point of view. I'm dealing with the general public purchasing health insurance.
The system is STILL broke. It was broken long before the ACA. The ACA did not break it. But it sure as hell didn't fix it.
So please stop with these false anecdotes which prove nothing but are simply designed to make people feel bad for disagreeing with you. Stop with the rhetoric and try to actually deal with the general public on the issue. You'll find quick if you do not target a specific group or try to sift thru data to prove a point that the ACA has not done enough good to outweigh the bad.
If you want to fix health insurance and make it affordable for all: 1. Get rid of the current aca on a federal level. On a federal level it is just too big and too unweildy. 2. Assign a commissioner in each state to oversee that state's health insurance companies. 3. Give the commissioner the power to determine rates 4. Strict regulations on health care billing. 5. Strict regulations on health insurance payments 6. Absolutely forbid health insurers from making decisions.
But that's actually trying to solve the problems which have plagued our health insurance industry so it won't fly. People are too busy trying to prop up political agendas to get something real accomplished.
|
|
| | | 1673 | sarge33rd
ID: 390471112 Sun, Apr 20, 2014, 14:20
|
The general public, as a whole, is better served WITH the PPACA, than w/o it. Had that woman been made eligible nder the expanded medi-care, there is every likelihood she would still be alive, so yes, it IS the GOPs fault she is dead. You want facts? Deal with that one.
|
|
| | | 1674 | sarge33rd
ID: 390471112 Sun, Apr 20, 2014, 14:49
|
FTR K, I agree the system is still broken. The only REAL remedy, is to go single-payer Universal as per the REST of the civilized world.
|
|
| | | 1675 | PVat Murray IHC
ID: 2322019 Sun, Apr 20, 2014, 20:02
|
I'm currently on my 3rd day in the hospital after being admitted Friday. Apparently I am experiencing congenetive heart failure. I'll update when I'm released, which they're saying is Wednesday.
|
|
| | | 1676 | sarge33rd
ID: 390471112 Sun, Apr 20, 2014, 20:04
|
my best to you PV. Hope all goes well.
|
|
| | | 1677 | Perm Dude
ID: 431013412 Sun, Apr 20, 2014, 22:07
|
Damn--sorry to hear that PV. Keep us posted.
|
|
| | | 1678 | biliruben
ID: 561162511 Mon, Apr 21, 2014, 15:02
|
Sucko. Congestive Heart Failure? I hope they can get you on some appropriate meds and back on the links soon.
|
|
| | | 1679 | Boldwin
ID: 1353218 Mon, Apr 21, 2014, 19:07
|
I've been doing fine with congestive heart failure for years. Daily Coreg and you won't notice a thing unless you do activity so vigorous that you get short of breath.
Full court basketball is out. Maybe half-court is ok but you won't be as good of a defender.
Open water with waves is contra-indicated. You don't have enuff headroom to handle breathing in water down the windpipe by mistake.
I imagine you'll still have enuff wind for professional singing...but I can see it effecting extended passages.
|
|
| | | 1680 | Boldwin
ID: 283192119 Mon, Apr 21, 2014, 20:23
|
The medically homeless, [like me] can thank a liberal for nuthin'.Rotacare, a free clinic for the uninsured in Mountain View, is dealing with the problem firsthand.
Mirella Nguyen works at the clinic said staffers dutifully helped uninsured clients sign up for Obamacare so they would no longer need the free clinic.
But months later, the clinic’s former patients are coming back to the clinic begging for help. “They’re coming back to us now and saying I can’t find a doctor, “said Nguyen. And no, even the marxist 'cure-all', single payer, won't fix this.
Expect libs to come up with schemes to blackmail doctors into areas they don't want to go.
|
|
| | | 1681 | PV in Murray IHC
ID: 307192411 Mon, Apr 21, 2014, 20:41
|
Baldwin, curious what tests you underwent when you got that diagnosis. Yesterday, I had a stress test where they use chemicals to simulate excessive heart activity. Tomorrow I'm scheduled for an angioplast, which entails running a wire through the body into the heart. Sounds scary, wonder if you're familiar with the procedure.
|
|
| | | 1682 | Boldwin
ID: 283192119 Mon, Apr 21, 2014, 20:57
|
Nope. In my case it was clear I had an episode of excess liquid buildup around the heart. They had my heart sonogramed to determine what percentage of normal blood flow I had in each section of the heart. It was clear the section drawing blood back from the lungs was only operating at @30% power.
The reason the problem was getting progressively worse was because when the body senses that situation it interprets it as bleeding to death and hormones are released to constrict capillaries. Thus overtaxing and progressively weakening the heart.
I am now on hormone blockers that interfere with that signal pathway. Other meds keep the capillaries open in other ways.
|
|
| | | 1683 | sarge33rd
ID: 593111219 Thu, May 15, 2014, 14:36
|
PPACA triggers $1,600,000,000 in consumers rebates/refunds
One of the less discussed pieces of the Affordable Care Act is a measure to control insurance premiums by limiting how much companies can spend on stuff other than medical claims. Expenses for marketing, fees to brokers, administrative costs, profits, and the like can’t take up more than 20¢ of each premium dollar (or 15¢ for large-group plans). Any amount collected above that threshold must be returned to customers....
|
|
| | | 1684 | Bean
ID: 5292191 Thu, May 15, 2014, 14:56
|
I agree with you sarge, there are just too many complications when you dont have a single payer system. Some things just dont work well in a capitalistic free market system. Maybe we ought to decide which things do and which things dont.
Lets see...military, no; military production, yes? What did Eisenhower say?
So many questions, so little time. Have you seen anyone in politics who may be a little out of place? Maybe a little out of their depth?
If so, the vote is obvious.
|
|
| | | 1685 | Boldwin
ID: 164262222 Fri, May 23, 2014, 10:04
|
Did you know?
According to Krugman:The “secret” of the VA’s “success,” Krugman argued, “is the fact that it’s a universal, integrated system.” That saves on administrative costs and allows for efficient record-keeping. Krugman acknowledged that the VA had a history of mismanagement and mediocre care, until “reforms beginning in the mid-1990′s transformed the system.” Oh goody. Now we're all gonna get the blessings of "universal, integrated systems".
Did you know pt 2:
Gitmo has a patientcare/patient ratio of 1/1.5
The VA has a patientcare/patient ratio of 1/35.
If you euthanized some you can cook the books, make those numbers even better and get your bonus!
|
|
| | | 1686 | Boldwin
ID: 164262222 Fri, May 23, 2014, 11:13
|
Integrated System
And don't forget that the DMV is an integrated system.
|
|
| | | 1687 | Bean
ID: 5292191 Fri, May 23, 2014, 11:40
|
Goal: Universal efficent healthcare for ALL US Citizens.
Reality: Negotiated settlements that nobody likes
|
|
| | | 1688 | Bean
ID: 5292191 Fri, May 23, 2014, 11:49
|
1685 The Republicans have a real issue (finally) that they can sink their teeth into. I suspect that their concern is not genuine though. I hope I am wrong.
The good news is they will gain popularity but the result will be that they will actually help someone other than their constituency. I only hope that those served by this course correction, don't feel obliged by the hand out.
|
|
| | | 1697 | Boldwin
ID: 35492810 Wed, May 28, 2014, 11:14
|
Ironically, even tho the VA scandal is real as real can get and it 'has legs' as they say...
Obama won't take too large a share of the blame...
Not because he's black and the MSM is his palace guard...
Not because he's done anything to fix the problem ever...
But because everyone knows it's always been broke and it will never be fixed.
After all it's government run healthcare and everyone knows that will never work.
|
|
| | | 1698 | sarge33rd
ID: 390471112 Wed, May 28, 2014, 21:19
|
it has been long broke, that is true.
It is govt run, that too is true.
It however is broke BECAUSE, it is grossly underfunded. Step up to the plate B. Ready to shoulder a 5% tax increase JUST so we can adequately fund VA?
I didnt think so.
|
|
| | | 1699 | Boldwin
ID: 14532818 Thu, May 29, 2014, 14:11
|
I'm willing to have it be run privately and actually get it done right and within budget.
|
|
| | | 1700 | Boldwin
ID: 14532818 Thu, May 29, 2014, 14:12
|
If you would be so kind as to keep your democrats with law degrees from suing it into oblivion.
|
|
| | | 1701 | GO
ID: 292502110 Thu, May 29, 2014, 14:22
|
|
|
| | | 1702 | Boldwin
ID: 14532818 Thu, May 29, 2014, 16:05
|
Notice Sarge's reflexive answer to everything. When you've discovered an innefficient government dead end non-solution...throw more money at it.
|
|
| | | 1703 | Seattle Zen
ID: 3310162612 Thu, May 29, 2014, 17:25
|
So, providing veterans with health care is an "in[n]efficient government dead end non-solution?"
Providing veterans with healthcare costs money, just like putting gas into your car and driving it costs money. When providing vets with healthcare and you run out of money, I, too, would suggest to "throw more money at it", just as I throw more money into my gas tank when it gets low.
What do you to at the gas station when your car is out of gas? Mock the gas station attendant for running some sort of in[n]efficient dead end non-solution?
|
|
| | | 1704 | Boldwin
ID: 14532818 Thu, May 29, 2014, 17:58
|
Move veteran care to someone who cares enuff to make it work.
Take it out of the hands of government workers.
Look into their eyes. The DMV does not care if you live or die. They look right thru you.
|
|
| | | 1705 | Boldwin
ID: 14532818 Thu, May 29, 2014, 18:02
|
If you threw more money at it..had 20 DMV workers for each person that walked thru the door...they would still look right thru you.
|
|
| | | 1706 | Boldwin
ID: 14532818 Thu, May 29, 2014, 18:10
|
Take a the supervisor of a DCFS office. Tell her the statistical results of how badly kids turn out under DCFS 'care' and watch the sadistic glee in her eye. It would make Nurse ratchet look like Albert Schweitzer.
You don't want government workers anywhere near anyone you care about.
|
|
| | | 1707 | Seattle Zen
ID: 3310162612 Thu, May 29, 2014, 19:00
|
Perhaps it really is time to put this forum out to pasture.
|
|
| | | 1708 | Perm Dude
ID: 431013412 Thu, May 29, 2014, 20:07
|
Yeah, time to wrap it up, I think.
|
|
| | |
| | | 1710 | Bean
ID: 5292191 Fri, Jun 06, 2014, 16:14
|
I've seen where McCain and a few other GOP members have proposed privatizing VA benefits.
Anyone seen the bill yet, or we funding it with vapor dollars? How much funding is the GOP in favor of providing for this effort? Anyone know?
|
|
| | | 1711 | Boldwin
ID: 5752368 Fri, Jun 06, 2014, 16:35
|
My understanding was that it was simply to allow the VA to farm out to private doctors in case of extended backlog.
I don't know how they propose to find the available doctors or the money but it is instructive to see the one openly communist senator in the senate honest enough to admit it turning to the private sector to bail out failed central planning.
|
|
| | | 1712 | Khahan
ID: 11555309 Mon, Jun 30, 2014, 10:55
|
The Hobby Lobby decision concerns me a lot.
Very mixed emotions about this. I don't like Obamacare and don't want it. However, I am more concerned by yet ANOTHER decision from SCOTUS that effectively declares corporations to be people (see Citizens United). This is not the way to defeat Obamacare. This is the way to set up more corporate greed and more corporate intrusion in our lives. So now corporations have religious freedom and freedom of speech. Tell me again, before these decisions - when were corporations ever considered people - as in "We the PEOPLE..."?
|
|
| | | 1713 | Khahan
ID: 11555309 Mon, Jun 30, 2014, 11:29
|
More information has been added which does make me more comfortable with this ruling. Specifically, from the article I linked: "The court stressed that its ruling applies only to corporations that are under the control of just a few people in which there is no essential difference between the business and its owners"
As a narrow ruling that defines the kind of business its dealing with I tend to agree more with SCOTUS. Just hoping this is not applied on a broader range.
|
|
| | | 1714 | sarge33rd
ID: 505123012 Mon, Jun 30, 2014, 13:12
|
The court can claim this to be narrow, but it is not and the future will not see it as such.
|
|
| | | 1715 | sarge33rd
ID: 505123012 Mon, Jun 30, 2014, 13:20
|
If it is a violation of HOBBY LOBBY's corporate rights, to provide contraceptive coverage (despite Hobby Lobby financially supporting a govt that forces abortion upon its citizenry); then how could the court FAIL to find it an infringement for a Christian Scientist business owner to provide ANY medical care at all? Or for a Wiccan business owner, to provide more than herbal remedy coverage?
When it comes to 'religious freedom", it is virtually impossible to define a "narrow" application.
|
|
| | | 1716 | Tree
ID: 438482411 Mon, Jun 30, 2014, 21:54
|
i am more concerned about the door this opens up allowing radical pharmacists to refuse to fill legitimate prescriptions, based on their own religious beliefs.
|
|
| | | 1717 | Khahan
ID: 16341313 Mon, Jun 30, 2014, 22:35
|
1716 - thats a really good point Tree. One I hadn't even thought of.
|
|
| | | 1718 | Boldwin
ID: 52563019 Mon, Jun 30, 2014, 22:54
|
If I didn't know Sarge so well I would be shocked anyone would think it proper to order someone to violate their religious conscience.
It's going to go that way tho. They are even gearing up to fire you if you won't declare yourself an ally of the radical gay agenda. Some people are so tyrannical they won't even allow silent disagreement.
|
|
| | | 1719 | Khahan
ID: 16341313 Tue, Jul 01, 2014, 00:08
|
here's some honest questions Boldwin - -Do you consider a corporation to be a 'person' with the same protections of individuals under the constitution? I'm not talking corporate personification that has existed since the 1800's. I'm talking the new corporate personification that was created by Citizen's United and now hobby lobby being granted religious freedom (note this is NOT asking if the owners of hobby lobby have it, but if the corporation itself has that freedom).
-If you do consider corporations to have those protections then are you ok with the same freedom being given to say Acme or Walmart or Lowe's?
-If you don't consider corporations then where is your line for when a company should be granted these rights and where it shouldn't?
I'll start: 1st question - No, I dont think corporations in general should be given these rights. Public corporate entities are just that. They are not people.
2nd - i dont think publicly traded entities deserve that protection. If anything the government should be taking action to protect the general public from public corporations
3rd - i think small businesses owned by an individual should have those decisions kept up to the individual. If I open a corner deli it should be up to me to decide who my clientele is, who I hire etc. Even if those decisions are racist, sexist or based on religious discrimination. I dont think the government should be making those decisions. In fact I think the free market will handle those decisions. As for where the line is where its ok for the government to step in and where its not - I'll admit I dont know exactly.
I can take all the mom & pop type examples and pretty easily say, 'Government get out.' I can take all the corporate giants and say, 'Government regulation.' Where in the middle though does that line lay? I just dont know. Board of directors vs individually owned? Listing on the stock exchange? Simply filing as a corporation, no matter how big or small? LLC vs S corp vs sole proprietorship? What criteria do you use?
Honestly I think this was a situation better left unresolved. Now that it is resolved in SCOTUS I worry the precedent set will be used in ways its not supposed to be.
|
|
| | | 1720 | sarge33rd
ID: 390471112 Tue, Jul 01, 2014, 00:36
|
1719 is pretty spot on.
The problem, or part of it, is that SCOTUS claims it is a narrow ruling BECAUSE, it only applies to "for profit closely held" corporations. The IRS, defines "closely held", as those which are not a personal service and where 50% or more of the stock value is held by 5 or fewer people. Meaning, that WalMart BARELY misses out, being there are 6 heirs and not 5. Pretty tough to say it is a narrow ruling, when the nations largest employer is one death away from qualifying.
|
|
| | | 1721 | Boldwin
ID: 52563019 Tue, Jul 01, 2014, 09:02
|
Khahan
1) The language of the decision was clear that this only applied to special cases. Yes I completely concur that when a family owns the majority of a company then the actions of that company reflect the values of that family. Forcing a company in that position to violate the family's ethics is completely in violation of what this country stands for.
If this would be true for the Walton family, well so be it. I don't know if that is the case offhand.
I think it would be wildly improper for example if the government were to force a Jewish closely held corporation to sell halal food. That would be demanding their food be prayed over and dedicated to Allah.
2) In the case of a closely held corporation the fact that they are a corporation basically just means that incorporating was how that person or family decided to handle their taxes and financing. No need to get lathered up about corporate personhood.
3) The government is not affording persons freedom of religion at this point because right now one customer, a phony one, a gay activist in fact, can come into whatever business I own and ask me to perform my services in the furtherance of their gay pride celebration or face ruinous legal repercussions. They can come into a pharmacy and demand a pharmacist participate in an abortion. Right now in some states. I'd like to think freedom of religion will someday be reaffirmed in this country but I wouldn't bet on it.
4) The day is rapidly approaching when refusing to sign a gay alliance pledge will mean unemployability. I don't even know if that will require one more liberal judge on the supreme court or not but that day is coming.
|
|
| | | 1722 | Perm Dude
ID: 431013412 Tue, Jul 01, 2014, 09:36
|
#1719: I agree.
Obviously the majority tried to narrowly-tailor the decision to fit the end they wanted, but the most LOL piece of the opinions issued were the part of the majority opinion where they say "it seems unlikely" that other corporations "will often assert RFRA claims." Really? Why, exactly, would it be unlikely that any closely-held corporation will not engage in protecting and expanding their suddenly-found rights? The majority seem unaware of how many corporations are closely-held, and (ironically) how often people sue to protect their rights.
There is also the problem that the ruling relied, in part, on junk science. The question arises in my mind: What if the policies of sincerely-held religious beliefs by a corporation are based on an untruth? For example, what if dental insurance was mandated, and a particular religion's ban against blood transfusions makes them ban paying for dental insurance under the mistaken belief that detail work involves transfusions? Does a sincerely-held religious belief have to be factually-based in its application, or not? The majority was silent on the point.
|
|
| | | 1723 | Frick
ID: 29235107 Tue, Jul 01, 2014, 11:01
|
1719 basically states my thoughts on the ruling and I agree that there are going to be a lot of lawsuits that result from this ruling.
From the Washington Post 90 percent of corporations fall under the IRS definition of closely held. And those 90% employ just around 52% of the workforce.
I wonder how much this issue will affect future elections (contraception and how it is provided).
But PD raises a very scary thought. How far is this ruling going to be taken and challenged?
|
|
| | | 1724 | Pancho Villa
ID: 2131916 Tue, Jul 01, 2014, 13:12
|
I wonder how much this issue will affect future elections
Boldwin ponders the fallout from a total of 82,000 coal miners nationally.
It might be more interesting pondering the fallout from roughly 120 million women of voting age in this country after this ruling.
|
|
| | | 1725 | Boldwin
ID: 4262113 Tue, Jul 01, 2014, 14:02
|
The women who actually believe someone else should pay for their birth control are lost to republicans anyway. That is not individual responsibility. That is not efficient small government.
|
|
| | | 1726 | sarge33rd
ID: 54627116 Tue, Jul 01, 2014, 17:27
|
as B, like many on the right, continues to ignore that insurance plans providing free contraceptions to women, pay out lower claims then other plans.
THERE IS NO $$ COST FOR PROVIDING CONTRACEPTIVES.
The claims paid out are reduced, which means the premiums charged are also reduced. Free contraceptives, is a cost SAVER, not cost creator.
|
|
| | | 1727 | Boldwin
ID: 4262113 Tue, Jul 01, 2014, 21:45
|
The government has no business getting it's expensive inefficient hands all over something so frivolously inexpensive and incidental. What's next? Uncle Sam toothpick distribution? Uncle Sam's Flintstone bandaids and kisses on the booboo?
|
|
| | | 1728 | Boldwin
ID: 4262113 Tue, Jul 01, 2014, 22:00
|
Understand that except for Catholics, religious people don't have a problem with birth control. Hobby Lobby pays it's employees twice minimum wage and their longstanding healthcare plan offers 16 of the 20 birth control products on the market.
I don't understand tho, with the amount of deductables involved swamping the price of rubbers, why we are even worried about it. Why is it even an issue? It's just a fatuous excuse to replay the false 'war-on-women' meme.
|
|
| | | 1729 | sarge33rd
ID: 390471112 Wed, Jul 02, 2014, 01:54
|
No Boldwin, HL pays its FT employees 90% over min wage. That does not address the majority of employees, which are part-time.
Govt or any other "inefficiency" has nothing to do with your claim to avoid paying for someone elses contraceptives. You pay MORE, when they DONT get free contraceptives. Understand yet? The fed mandate, SAVES you money.
|
|
| | | 1731 | Tree
ID: 438482411 Wed, Jul 02, 2014, 09:03
|
many religious leaders were opposed to Hobby Lobby winning this.
Among the many reasons was the very real, very un-Christian aspect of a corporation having the same rights as individuals.
it is a relative handful of over-the-top zealots who don't understand the true implications that are cheering this decision.
|
|
| | | 1732 | Boldwin
ID: 4262113 Wed, Jul 02, 2014, 12:55
|
Let's poll the employees of HL making 2X minimum if they are happy that HL wasn't sued out of existence as Obama tried and would have finished the job if this case had gone the other way. Think they are all religious zealots?
|
|
| | | 1733 | Frick
ID: 29235107 Wed, Jul 02, 2014, 13:59
|
Full time employees get $14/hour, part time get $9.50/hour. I don't know Hobby Lobby's model, but it is fairly common for retailers to have many part-time employees and far fewer full-time employees. That could be changing as the result of the ACA.
Huffington Post called out Hobby Lobby as hypocrits, based on buying much of their merchandise from China. If they really wanted to run their business as a Christian company, not doing business with China would be important.
Re: 1730
So what should happen to babies with mother's who can't support them? You seem pretty intense that the state shouldn't be involved. So, just let the the babies suffer? How Christian of you. In fantasyland, I think most of us would agree that people wouldn't get pregnant before they were ready and wanted to be pregnant. In reality, trying to restrict contraception is just going to lead to more babies.
|
|
| | | 1736 | Frick
ID: 29235107 Wed, Jul 02, 2014, 14:11
|
OK, so you would support the government providing contraception for anyone who wants it, for free.
I'm glad that we agree it is none of your business if a woman takes contraception.
|
|
| | | 1738 | Perm Dude
ID: 294531914 Wed, Jul 02, 2014, 20:46
|
Frick: He doesn't understand that access to contraception reduces child care costs (including very real government expenditures). And access to contraception (and education) reduces abortions. Both of which suddenly become unimportant at the drop of a hat (or the thought of the drop of he pants).
In other words, he demands consequence-free policy control in the form of unfunded mandates in the same exact way he believes the femnazi's are asking him to pay for all that consequence-free sex they are having.
|
|
| | | 1740 | sarge33rd
ID: 390471112 Wed, Jul 02, 2014, 21:14
|
Viagra is still covered. 60% of women using contraceptives, are using them for other reason than preventing pregnancy. I'll never understand, how you can be so apparently intelligent and yet, so obviously dense.
|
|
| | | 1743 | Frick
ID: 29235107 Thu, Jul 03, 2014, 08:54
|
Re: 1740
I work for a religious organization and I support their position that they don't pay for birth control. And by religious, I don't mean Hobby Lobby type religious, but our President is a priest. They do pay for birth control for reasons other than preventing pregnancy, just not for only birth control. They also don't pay for vasectomy's, but I'm not sure that other insurance plans do either. I'm also not sure if Viagra would be covered by our plan.
I don't agree with the position on birth control, but I do respect their position.
I haven't seen it in any of the articles, but is Hobby Lobby refusing to pay for any birth control, or just birth control for non-medical reasons?
|
|
| | | 1744 | Boldwin
ID: 166035 Thu, Jul 03, 2014, 09:01
|
They pay for all birth control that does not function as an abortifacient. According to Rush Limbaugh, HL privides 16 of the 20 types out there.
I have no idea what you mean by 'use'. When you provide it, you have no idea exactly why they are using it.
|
|
| | | 1745 | sarge33rd
ID: 41617712 Mon, Jul 07, 2014, 15:13
|
The law of unintended consequences
That separation is what legal and business scholars call the "corporate veil," and it's fundamental to the entire operation. Now, thanks to the Hobby Lobby case, it's in question. By letting Hobby Lobby's owners assert their personal religious rights over an entire corporation, the Supreme Court has poked a major hole in the veil. In other words, if a company is not truly separate from its owners, the owners could be made responsible for its debts and other burdens.
Yep. If a corporate owner, can impose his/her personal religious philosophy THROUGH that for profitt entity, then the debts and liabilities of that for profit entity, can travel back to that owner. Incorporation, will (very possibly), no longer shield personally held assets from seizure for corporate debt, obligations or civil/criminal liabilities.
|
|
| | | 1746 | sarge33rd
ID: 51644818 Tue, Jul 08, 2014, 19:44
|
...that does not function as an abortifacient
As you redefine that very term. And yes, the word 'use', is confusing. Tell me, which of the 3 letters is causing you issues?
|
|
| | | 1747 | Boldwin
ID: 1630819 Tue, Jul 08, 2014, 20:37
|
Sarge, you will not be happy until you are able to force every person of conscience to reach right in there and get their hands blood red performing an abortion. There is no use parsing it more carefully. You've been consistently anti persons of conscience all along. You probably wouldn't stop twisting my arm until you had me waiving the bloody fetus, marching down the street in my lederhosen for the gay pride parade.
No freedom for the individual in your utopia. No god or religion outside the state allowed.
|
|
| | | 1748 | Bean
ID: 5292191 Wed, Jul 09, 2014, 12:26
|
A couple is notified by their pre-natal physician that the fetus is Downs. They decide to abort.
A) They are heroes to society and family, having made this personal sacrifice to not cause any unnecessary burden.
B) They are selfish, taking a life to ensure they are not burdened.
C) They are evil, and will burn in hell. They should be tormented by Christians in this lifeor their mmoal decision.
D) There is no god or bad in this decision. It'sjust a decision that belongs to them and nobody else.
|
|
| | | 1749 | Boldwin
ID: 26648912 Wed, Jul 09, 2014, 13:54
|
There is no torment in hell and vengeance is God's and none of our business, but the baby's blood cries out to God for vengeance.
|
|
| | | 1750 | sarge33rd
ID: 390471112 Wed, Jul 09, 2014, 15:35
|
Oh I dunno. Being force fed your drivel, is pretty close to hell on earth.
|
|
| | |
| | |
| | | 1753 | Perm Dude
ID: 431013412 Sun, Jul 13, 2014, 13:47
|
Medicare costs dropping.
The drop in re-admission rates are really the driver, here, IMO. And the cost savings are substantial--about $50 billion this year alone. That is directly a result of penalties put into place in Obamacare, to lower the rates of re-admission when there is no action the second time in.
|
|
| | |
| | | 1755 | Boldwin
ID: 510591420 Fri, Nov 14, 2014, 23:50
|
A pack of lies that couldn't have been sold without the benefit of stupid bamboozled Americans.
And we have that from the mouth of the strategist the Dems paid $400,000 to get it passed. He's proud as punch.
|
|
| | | 1756 | sarge33rd
ID: 390471112 Sat, Nov 15, 2014, 01:45
|
bad news for you B
Obamacare plan premiums to decline on average in 16 cities: study
(Reuters) - Health insurance premiums for low-cost Obamacare plans in 16 U.S. cities will fall slightly in 2015 as competition helps drives down price for the new subsidized individual health plans, according to a study Friday from the Kaiser Family Foundation.
The Kaiser analysis found that the premiums for the second lowest cost "silver" tier plan, upon which government tax credit subsidies are based, will fall compared with 2014 prices by an average of 0.8 percent in 7 of 16 major cities.
If the trend holds across the country, the study said, the lower benchmark premium could mean that the government subsidies are less overall and there are more tax savings.
|
|
| | | 1757 | Perm Dude
ID: 431013412 Sat, Nov 15, 2014, 09:58
|
It is like the Right has suddenly found that health insurance companies don't have their best interests in mind.
|
|
| | | 1758 | WiddleAvi
ID: 506382610 Sat, Nov 15, 2014, 11:49
|
I think this image speaks volumes. The most important thing for Republicans is Military and for Democrats it's Health Care. War Vs Keeping ppl healthy. Whats really sad how little both side care about infrastructure.

|
|
| | | 1759 | Boldwin
ID: 510591420 Mon, Nov 17, 2014, 11:29
|
Obamacare is a dishonest sham all the way up and down, from beginning to end.
Obamacare hits new low, most unpopular it's ever been according to Gallup.
Analyst paid $400,000 to trick Americans into supporting Obamacare failed to disclose his paid status to newspapers who ran his editorials.
Obama tells a whopper to cover his original whopper.
"Fake, fake, fake, fake, fake, fake..." Obamacare official facebook page found out. It turns out that 60% of the commenters [out of 226,838 comments] actually spring from only 100 unique profiles.
If this kind of dishonesty wasn't so widespread on Obama social media sites you might chalk this up to bored-out-of-their-minds facilitators getting paid 45K a year to sit on their thumbs while no one calls to sign up.
|
|
| | | 1760 | Boldwin
ID: 510591420 Wed, Nov 19, 2014, 16:36
|
MELISSA FRANCIS - "when I was at CNBC, I pointed out to my viewers that the math of Obamacare simply didn't work. Not the politics, by the way, just the basic math.
And when I did that, I was silenced. I said on the air that you couldn't add millions of people to the system and force insurance companies to cover their preexisting conditions without raising the price on everyone else.
I pointed out that it couldn't possibly be true that if you like your plan, you can keep it. That was a lie. And in fact, millions of people had their insurance canceled. As a result of what I said at CNBC, I was called into management where I was told that I was 'disrespecting the office of the president' by telling what turned out to be the absolute truth.
This -- FOX Business Network-- is the only network, and Fox News, not complicit in the campaign to keep you in the dark. Don't trust the other guys. I can tell you first-hand, they are willing participants in the campaign to keep the economic truth from you. Don't let them do it...
|
|
| | | 1761 | Khahan
ID: 610362015 Thu, Nov 20, 2014, 16:36
|
1760 is exactly the problem with Obamacare. She's right - you cannot add millions of people with pre-existing conditions without raising everybody else's premium and that is just what we're seeing.
Obamacare did NOT fix the system. All it did (and I've said this before) was force people into the same broken system we always had. And now that system is becoming overburdened and worse.
The healthcare plan sold out of my office are more expensive than last year, have higher deductibles and don't cover nearly as much.
I think the biggest thing we can do to help actually fix healthcare in this country is to disengage the claws of the health insurance industry from the health care industry. Do that first or else no other change can ever have a valid, long lasting effect.
|
|
| | | 1762 | biliruben
ID: 561162511 Thu, Nov 20, 2014, 16:43
|
I agree. Madman, years and years ago, pointed me towards newly minted HSAs. That allows me to use insurance like insurance is supposed to be used - for catastrophic issues that would significantly effect my well-being and lifestyle.
Not my boy's sniffles.
Unfortunately, insurers have created a disconnect between me and my doctor, so they are still charging prices assuming everyone is insured for the sniffles. But I'm not.
If everyone had catastrophic coverage only, we would create a coherent market for the little stuff, and bring down prices.
Obamacare actually does do that in fits and starts, but not in a comprehensive fashion, except for those with bronze plans similar to mine.
|
|
| | | 1763 | Perm Dude
ID: 431013412 Thu, Nov 20, 2014, 17:48
|
To be fair, though, many people have an (ahem) unhealthy view of what health care insurance is and how it should be used. And there is little learning about it in an environment of intentional self-misrepresentation.
|
|
| | | 1764 | Khahan
ID: 521035218 Fri, Nov 21, 2014, 09:35
|
1763 - don't disagree with that all. As bili pointed out, too many people use their health insurance for the sniffles. When you are talking about a few hundred million people in this country, that is a lot of sniffles that add up.
|
|
| | | 1765 | biliruben
ID: 81382416 Fri, Nov 21, 2014, 10:17
|
To be clear, it's certainly not just sniffles. And taking your kids is is a tiny drop in the bucket compared to the massive end-of-life bills that people, on average, run up.
But insurance for things we can actually pay for distorts and usually inflates all sorts of common care, by putting a middle man there and allowing doctors, labs, pharmacies, ambulances and what not to charge much more than if they actually sent the bill to Maria and Julio.
If someone wants to have little 3 year old Juan looked at to make sure his fever is not going to kill him, that's usually just 10 minutes of a doctor's time, if that. Should it really cost $300? I'm guessing it wouldn't, but for insurance.
|
|
| | | 1766 | Boldwin
ID: 510591420 Fri, Nov 21, 2014, 11:37
|
Middle man
That is the head of the nail. There was a book titled 'The Screwing of the Average Man' written @1960 that explained where healthcare went wrong. It was exactly when the patient was decoupled from the guy making out the bill. When insurance allowed conscienceless price increases sanity in pricing went out the window.
I would have thot the answer was uncontrolled trial lawyers, and they alone are enuff to doom the system IMO, but the middleman mortally wounded the patient before the lawyers arrived chasing the ambulance.
|
|
| | | 1767 | Bean
ID: 121011511 Fri, Nov 21, 2014, 12:50
|
I disagree, it was the wimpification of American Society that has resulted in everyone running to the doctor for everything, and also expecting modern medicine to sustain their doomed loved ones ad infinitim.
Cancer treatment and intensive care is expensive, and teaching everyone to lead healthy lifestyles instead of dying of heart attacks, like real men do, leads to longer lives. Old age can bankrupt medical care budgets.
If you all could just die off of "natural causes", we could afford this shit. So, next time you get hurt, rub some dirt on it. Next time you are sick, stay at home and quit spreading the shit to the rest of us. And for god's sake, cover your mouth when you cough.
|
|
| | | 1768 | biliruben
ID: 28420307 Fri, Nov 21, 2014, 17:39
|
Your just trying to get a reaction Bean.
Boldwin - I'm sure the threat of lawsuit and thus the necessity of malpractice insurance, as well as going overboard on diagnostics for CYA reasons plays a role in inflation of health care costs. I just haven't seen much that shows it's a big driver compared to the insanity of our private health insurance structure. There are definitely connections between the two.
You and your ilk have a lot to answer for with the volume and utter stupidity of your "death panels" meme. What we really need is to address the incredibly poor track record of doctors failing to listen to what the patient actually wants, and instead of treating the person, treating the disease as aggressively as possible, to the detriment of a person's quality of life in their final months and years. With the shouts of death panels, physicians don't dare do anything else besides follow aggressive and expensive protocols, to the detriment of the patient and our health care industry.
That a far more significant driver in both cost and suffering, and that's on you.
|
|
| | | 1769 | Boldwin
ID: 510591420 Mon, Nov 24, 2014, 19:56
|
Clues to John Robert's thinking on the current AHA case It seems entirely possible that Roberts might focus narrowly this time on the snippet of the act extending subsidies only to those insured by exchanges “established by the state.” One argument he might make in defense of that position is that Congress has the ability to go back and fix any unclear language through a revised statute.
Roberts telegraphed his willingness to take such an approach in the 2013 Shelby County vs. Holder case, which struck down a key provision of the Voting Rights Act. The provision the high court declared unconstitutional defined which states had to get federal approval (or pre-clearance) before making changes to their voting laws. Roberts' opinion for the majority ordered the provision struck because it was based on old data. Congress, he reasoned, could simply update the formula to respond to “current conditions” if it wished to.
Read more: http://triblive.com/opinion/featuredcommentary/7172982-74/court-roberts-congress#ixzz3K2EoXUv9 His screwy reasoning the last time on healthcare was that he didn't want to dabble in law-making. Perhaps he'll leave 'fixing' this deliberate language to congress.
As Gruber clearly explained...it was deliberate blackmail targeted at states not predisposed to set up state insurance markets. It is not an accident that it was worded that way. The architects clearly intended to deny subsidies in these cases.
On the otherhand, why would Roberts rewrite this one? If he does, it has to be that he is really thinking about integrating the USA into international patterns of law. Bush's globalist expert. You can look up Robert's history on this.
|
|
| | | 1770 | Boldwin
ID: 510591420 Mon, Dec 22, 2014, 18:38
|
Single Payer bites the dust in Vermont. The campaign promise of it's current governor, BTW.
The best Gruber's program could promise was that it would cost as much as the entire current state income. Too much of a tax increase even for that ultra-blue state.
Because government healthcare is cheaper! Of course."It was disappointing to me and my team that we weren’t able to make the numbers work the way that we had hoped," Lunge said.
Lunge and her team worked through the weekend. Saturday and Sunday fell into a sort of rhythm: she would change their assumptions slightly and send the new figures off to Gruber. It took him about 24 hours to run the new figures in that model, which would produce projections for how much the single-payer system would cost.
"I kept running into them at the coffee shop," said Deb Richter, a long-time single-payer advocate in Montpelier. "They looked very tired. They were working their butts off."
Each new packet of Gruber data was essentially the same as the old Gruber data. It kept showing that a single-payer system would be more costly than initially expected. ----- Shumlin's office kept the decision secret until a Wednesday press conference. The audience was shocked — many had turned up thinking that Shumlin would announce his plan to pay for universal coverage, not that he was calling the effort off.
"It was dramatic being in that room," Richter said. "You just saw reporters standing there with their mouths open." ----- ----- But if single-payer couldn't succeed in deep-blue Vermont, Shumlin and others mused, how could it possibly move forward anywhere else?
"If Vermont gets single-payer health care right, which I believe we will, other states will follow," he predicted. "If we screw it up, it will set back this effort for a long time." If only national legislators had gotten an honest accounting and gotten cold feet before they blew up the system. Instead they got 'we'll have to pass it to find out what's in it!' [*creepy/happy botox face]
|
|
| | | 1771 | Boldwin
ID: 510591420 Mon, Dec 22, 2014, 18:43
|
"If we hadn't rigged the numbers we couldn't have suckered the CBO and gotten the thing past the stupid American people." ~ to paraphrase Gruber
|
|
| | | 1772 | Boldwin
ID: 510591420 Tue, Dec 23, 2014, 23:19
|
Brilliant...it's no wonder they call them the brights. [/sarc]
|
|
| | | 1773 | Boldwin
ID: 510591420 Wed, Dec 31, 2014, 21:12
|
The verdict:
Of the 60 Democratic senators who voted for Obamacare in 2010, 28 are no longer in office.
|
|
| | | 1774 | Boldwin
ID: 510591420 Wed, Dec 31, 2014, 21:25
|
Jon Lovett, a speechwriter for Obama - “What exactly does Chuck Schumer believe was the error? Does he believe that the goal of winning office is winning office?”
Nancy Pelosi - “We come here to do a job, not keep a job.” No. You are placed in power to represent the will of the people. When you can't even get the people behind you when you own the one party media state...it doesn't matter what your goal is.
|
|
| | | 1775 | Boldwin
ID: 510591420 Wed, Dec 31, 2014, 21:54
|
Though the ACA provided federal money to reimburse for Medicaid patients at the same rate as Medicare, that provision stops on Thursday. In may states, that expiration is going to be extremely disruptive:
The impact will vary by state, but a study by the Urban Institute, a nonpartisan research organization, estimates that doctors who have been receiving the enhanced payments will see their fees for primary care cut by 43 percent, on average.
Stephen Zuckerman, a health economist at the Urban Institute and co-author of the report, said Medicaid payments for primary care services could drop by 50 percent or more in California, Florida, New York and Pennsylvania, among other states. Obama made sure that fact was felt after the last election during his regime. The next time you hear him boasting that at least he provided insurance to the poor...remember that he didn't provide doctors or medical care...just an empty promise, a dubious gamble that doctors would work for half-price.
|
|
| | | 1776 | Boldwin
ID: 510591420 Wed, Dec 31, 2014, 21:56
|
Source
|
|
| | | 1777 | Tree
ID: 161036918 Thu, Jan 01, 2015, 14:16
|
Of the 60 Democratic senators who voted for Obamacare in 2010, 28 are no longer in office.
1. only 58 Dems voted for it.
2. 39 Republicans voted against it. 13 of those are no longer in office.
what's your point? oh, wait, that one singular issue is the reason 41 senators from 2010 are not in office.
myopic much?
|
|
| | | 1778 | Pancho Villa
ID: 2131916 Thu, Jan 01, 2015, 23:17
|
doctors who have been receiving the enhanced payments will see their fees for primary care cut by 43 percent, on average
Since doctor involvement in primary care has dwindled to almost nothing, perhaps that's a fair assessment. In fact, a person could get the entire scope of primary care without ever even seeing an MD. PAs, MAs, LPNs and RNs handle every necessary procedure in varying degrees.
This is especially true with the low wage
medical assistant.
- The general increase in demand will require more MA work. - Work is shifting from venues that use few MAs (e.g., emergency rooms) to doctor’s offices, where MAs are prevalent. - Work is moving from higher-paid, higher-credentialed practitioners to lowerlevel, lower cost practitioners, including MAs. - Many wellness programs can use lower-skilled workers, including MAs. - Electronic record requirements will increase demand for MAs with strong informatics skills. - Regulation of MA work is relatively loose and may be further relaxed. - In our research, several other possibilities for MAs were suggested: – As sicker patients are released to their homes, rehab facilities, and nursing homes, home health workers and LPNs may be replaced by MAs (who have more training). – New roles are emerging for which MAs may be qualified, including health coaches, health communicators, and patient care coordinators. – There will be significant pressure to improve all MA skills, including professionalism, clinical knowledge, and informatics. – Special training in geriatrics or obesity may be a differentiator.
Surgery, of course, is an entirely different issue, although PAs are more and more performing procedures that used to be the sole duty of an MD.
a dubious gamble that doctors would work for half-price
A lie. Too bad you're not worried about the medical assistant who does a lot of the work a doctor(or nurse) used to do when starting wages range from $21,000 to $25,000 and median wages range from $29,000 to $30,000.
Free market solutions.
|
|
| | | 1779 | Boldwin
ID: 510591420 Fri, Jan 02, 2015, 11:55
|
"If you like your doctor, you can see an MA"? That was the promise?
|
|
| | | 1780 | Khahan
ID: 2162589 Wed, Jul 08, 2015, 10:25
|
Does this fall under the ' I told you so ' category? Not necessarily the big hikes after the fact. But look at the reasoning - more people are sicker than we thought.
You can't subsidize health care. Just imagine if over the past 5 years our government had taken all the resources put into Obamacare and put it into really and honestly fixing health care in America so it was affordable.
|
|
| | | 1781 | biliruben
ID: 229341622 Wed, Jul 08, 2015, 12:26
|
Seeking and getting are two different things. State insurers have to approve price hikes.
Back when I was an actuary, we saw requests like this, and sometimes much higher all the time. This is just sensational anti-obama redmeat.
Obamacare is currently coming in cheaper than original estimates, with higher numbers of enrollees, with the exception of medicaid in the states where their governments hate poor, largely black people. But that's not a failure of Obamacare.
In pretty much every metric, it's been a massive, surprisingly overwhelming success.
Now if we start seeing actually, mean increases in the 20-40% range, these please come back and say I told you so. Right now, it is looking very much like business as usual for insurance companies, adapting to a new program this is a wonderful, smashing success.
It ain't single-payer, but you can't have everything in our twisted country that worships markets even is situations where markets don't work.
|
|
| | | 1782 | biliruben
ID: 229341622 Wed, Jul 08, 2015, 12:26
|
Seeking and getting are two different things. State insurers have to approve price hikes.
Back when I was an actuary, we saw requests like this, and sometimes much higher all the time. This is just sensational anti-obama redmeat.
Obamacare is currently coming in cheaper than original estimates, with higher numbers of enrollees, with the exception of medicaid in the states where their governments hate poor, largely black people. But that's not a failure of Obamacare.
In pretty much every metric, it's been a massive, surprisingly overwhelming success.
Now if we start seeing actually, mean increases in the 20-40% range, these please come back and say I told you so. Right now, it is looking very much like business as usual for insurance companies, adapting to a new program this is a wonderful, smashing success.
It ain't single-payer, but you can't have everything in our twisted country that worships markets even is situations where markets don't work.
|
|
| | | 1783 | Boldwin
ID: 49572022 Wed, Jul 08, 2015, 22:18
|
...and chocolate rations have been increased to 20 grams.
|
|
| | | 1784 | biliruben
ID: 229341622 Wed, Jul 08, 2015, 23:07
|
Sarcasm is brilliant.
When got nothing else.
|
|
| | | 1785 | Boldwin
ID: 49572022 Wed, Jul 08, 2015, 23:07
|
OMG, where do I begin.
First off, setting an incredibly low bar is no measure of success.
Obamacare threw more people off their preferred insurance and onto more expensive plans than the few people who got insurance.
The director of the CBO testified that 800,000 jobs will be lost over the next decade as a result of the law. And that's with Obama being able to get them to fudge their numbers with garbage in/garbage out.
You will find numerous liberals crowing about Obamacare not having produced a shift to part-time labor force.
What these liberals FAIL to tell you is that the employer mandate was shifted until after all the elections in Obama's two terms were concluded. Yes, it goes into effect in 2016, well after Obama's last election.
The extra IRS muscle that was hired is hardly a win. Any business is now required to waste time filing a 1099 tax form for every transaction over $600. If you think that's not crazy you've never been in business.
There are so many taxes hidden in Obamacare it's like a giant toxic christmass cake.
Already insolvent states have been driven further into unsustainable debt.
Obamacare hasn't truly hit yet. Somewhere between 1/3 to 1/2 of Americans will eventually be thrown off their plans because the insurance companies cannot make the numbers work.
But that was the plan. Deliberately fail and then tell people the only solution is more marxism, a totally marxist system.
All the exemptions haven't run out. Even Obama realized those situations were a disaster he didn't want to pay a political price for. When they do, the reason they were issued will become apparent.
Emergency rooms are more crowded, not less. Contrary to promise.
Doctors are retiring in droves and those numbers are not being replaced. Even tho Obamacare will drive up demand. So whats the fix to that, libs? Gonna legally require doctors to work where they don't want to? Take in less than they need to pay off their educations and overhead?
Just the increased paperwork is driving them out, let alone the inadequate reimbursement, government required unethical reductions in quality of coverage, and threats to their consciences.
Too onerous for business. Even ridiculously liberal Starbucks CEO says, "under the current guidelines, the pressure on small businesses, because of the mandate, is too great."
Obama administration’s chief Medicare actuary reported, "Providers for whom Medicare constitutes a substantive portion of their business could find it difficult to remain profitable and, absent legislative intervention, might end their participation in the program."
Great. You've got coverage. You're still poor so even tho you've got coverage you can't afford the aluminum plan deductible so you'll still just not go to the doctor. And no one will be left to deliver the healthcare anyway.
Thanks for nothing.
|
|
| | | 1786 | biliruben
ID: 229341622 Wed, Jul 08, 2015, 23:10
|
I guess you can just make shit up, but that ain't a critique. I stopped when I got through the first 10 fact-free bullet points.
|
|
| | | 1787 | Boldwin
ID: 49572022 Wed, Jul 08, 2015, 23:18
|
Since you won't accept any facts which Obama's Annenberg buddies don't recognize there's not much point in footnoting every one of those points.
For any non-troll who genuinely intends to stay in the reality based community, I'll happily back up every one of those points.
|
|
| | | 1788 | biliruben
ID: 229341622 Wed, Jul 08, 2015, 23:21
|
Okay. Start with 1 through 10.
|
|
| | | 1789 | Boldwin
ID: 49572022 Wed, Jul 08, 2015, 23:28
|
Later.
|
|
| | | 1790 | Boldwin
ID: 49572022 Wed, Jul 08, 2015, 23:40
|
Point 1
Out of curiosity, what is your explanation for why every uninsured impoverished American didn't rush out and pick himself up some free Obamacare and dance thru the streets celebrating?
Why does even Obama predict 30 million will still be uninsured ten years from now even after being fined to death in an effort to blackmail them into it?
Why do more than half of Americans LOATHE Obamacare?
|
|
| | |
| | | 1792 | Boldwin
ID: 49572022 Wed, Jul 08, 2015, 23:57
|
You should listen in when the Illinois Health Connect former Acorn worker, now pulling in +50K to indoctinate me, calls. The poor thing has nothing to do all day but call people up and poll them. No one wants to talk to him tho. I think he was audibly weeping when he hung up on me last time.
|
|
| | | 1793 | Boldwin
ID: 49572022 Thu, Jul 09, 2015, 00:09
|
And that single payer you think is the real panacea...
Vermont, which brought us openly marxist Bernie Sanders and which attempted to bring in a single-payer system and which government was just packed with Obama worshiping true believers in the socialist way...
...looked at the numbers and bailed. They were that bad. Even insanely leftist hacks can't pull that much money out their @$$e$.
So no, it doesn't get better after O-care crashes and burns and they try pure marxism.
|
|
| | | 1794 | Boldwin
ID: 49572022 Thu, Jul 09, 2015, 01:07
|
And every half hour another lawyer [who couldn't make it in politics] comes on the tube, "Has any doctor, surgeon, medical device maker, inventor, nurse or health facility ever tried to help you?
Let's sue them so hard their great grandkids are still poor."
Just hard to see how we could stop the runaway medical costs. Nope...nothing comes to mind. I wonder what is driving prices thru the roof? No idea. *shrug
Hey, marxism! That's always efficient.
 Venezuela
|
|
| | | 1795 | biliruben
ID: 229341622 Fri, Jul 10, 2015, 15:20
|
I ask for facts, and I'll I get is regurgitated nonsense.
Learn how to draw a trend line, doomer.

Sure, it takes a while for new services to be adopted, particularly when half the state's governments are doing all they can to build giant walls between the uninsured and the coverage they are entitled to. And there will always be a certain percentage of uninsured, as groups like undocumented immigrants are not legally allowed coverage.
But I sure looks from the graph that we are headed towards 5% uninsured, and fast.
I know Obama haters would love to see a return to 10s of millions at risk of losing everything at the first expensive medical complication, and actively rooting for more misery, but tough shit, doomer. ACA is here to stay.
|
|
| | | 1796 | Khahan
ID: 386391014 Fri, Jul 10, 2015, 15:41
|
Bili - yes more people are now insured but again, that is because of a government mandate stating, "buy this product or else," which I find offensive. The government has no business telling its citizens they must buy a product in a free society. Anything else Obamacare may accomplish is lessened because of the methods used in my eyes. Nobody is arguing more people are actually uninsured now. We all agree that more people are insured. The questions and info we need to look at are 'why' and 'how'. They certainly aren't insured for cheaper than they were before. I've had way too many customers in my office discussing their health care premium increases over the past few years
I know Obama haters would love to see a return to 10s of millions at risk of losing everything at the first expensive medical complication, and actively rooting for more misery
This whole argument is one of the biggest and worst examples of red herrings ever conceived. Show me one place where anybody on these boards said, "Yes, lets make sure people get financially ruined by illness, disease or injury and laugh at the poor downtrodden souls." (ok, I'll even take a paraphrase of that!).
Its easy to feel like you are winning the debate when you make up the arguments for the other side. But we're not making that argument. I'll state my argument again here for you. I'm sure you can find me making this argument in the past because I've been pretty consistent about it. My beef with Obamacare is that it forces people to buy into a broken system. It never actually fixed the problem with healthcare, which is the cost. Oh, and that whole, "buy or else" ultimatum from the government in the land of the free.
If we really want to fix healthcare then we need to address: 1. How much doctors, hospitals and health care providers in general charge for services
2. How much influence health insurance companies have in how much services cost
3. How much influence health insurance companies have in deciding treatment
Those are the major factors in my eyes. There are many other issues that typically fall into one of those 3 categories (cost of schooling, cost of liability insurance, for profit involvement and stockholders in corporations etc). It truly believe that fixing those issues first and making healthcare be a product that is cost effective to begin with will do more to help everybody get healthcare than a government mandate ordering everybody buy a product or face a fine (especially when mandate does nothing to fix the broken product).
|
|
| | | 1797 | biliruben
ID: 229341622 Fri, Jul 10, 2015, 15:58
|
There are actually many provisions built into ACA that are directed at all 3 of those points. And they are all working. They are daylighting costs. Healthcare is not going up as fast as it was.
I personally would have liked to see insurance companies made completely illegal. That is my wish. ACA was a kludge. A fix thought up by market-loving conservative technocrats.
I hate it.
But I hate the previous status quo far more.
|
|
| | | 1798 | Khahan
ID: 236471015 Fri, Jul 10, 2015, 16:47
|
ACA may have provisions to address those points but I'm still waiting to see the results of them.
|
|
| | | 1799 | Boldwin
ID: 49572022 Fri, Jul 10, 2015, 21:36
|
Forcing people into a system they hate is not a success.
The only reason I have it is because my religion discourages civil disobedience.
Yet I am in the group you crow about. And so are half the people in there. Who would be happy to go back to the land of the free if we could find our way back.
|
|
| | | 1800 | biliruben
ID: 561162511 Mon, Jul 13, 2015, 15:55
|
There isn't really any debating. ACA is an unqualified success. It's has achieved or working to achieve every objective it set out to achieve.
This was a massive compromise, and as such, the structure where everyone is required to particpate is pretty horrible, but essential for it to function.
As I said, I'd much rather sweep away all the 10s of billions in wasted bureaucracy (making health insurance illegal to sell and instituting single-payer like the rest of the civilized world) attempting to placate and satisfy those who insisted on us making some faux-market solution in a situation not at all suited to a competitive market place, but it really is the only politically viable solution as we stand today in the US.
|
|
| | | 1801 | Boldwin
ID: 49572022 Tue, Jul 14, 2015, 09:17
|
So basically you'd be sticking your chest out and crowing about a huge success if the death panels had those of us who hate Obamacare put to death...as long as Obama is happy, it's a huge success. The opinion of 'the health cared' doesn't matter one iota to you, does it? And you don't think you are a fascist.
|
|
| | | 1802 | Khahan
ID: 24636148 Tue, Jul 14, 2015, 09:36
|
I think we have different definitions of success, Bili. Watching customers come into my office and sit down with our health care guy and being told their old premium of $250 a month for a solid healthcare plan is out the window and now for a plan with high co-pays and more restrictions on doctors and a deductible in the thousands of dollars they need to pay $480 a month....how is that a success? That is what I witnessed on a regular basis last year.
To my eyes, ACA is an unmitigated disaster. Throwing partisan politics out the window. Watching it in action and talking on a regular basis to somebody who sells it....it is horrible.
|
|
| | | 1803 | biliruben
ID: 28420307 Tue, Jul 14, 2015, 11:08
|
In what fantasy world did anyone get a solid healthcare plan for $250? I have crap for $1400 (largely employer paid). And that was both before and after ACA.
|
|
| | | 1804 | biliruben
ID: 28420307 Tue, Jul 14, 2015, 11:11
|
No, Baldwin. If you read "I hate it" as sticking my chest out and crowing, you have brain damage.
The definitions of success were written by the heritage foundation. Take it up with them.
|
|
| | | 1805 | Khahan
ID: 176181412 Tue, Jul 14, 2015, 13:19
|
Single older people before ACA who could pick and choose the healthcare they wanted (as opposed to having to take a full all out health plan with everything on it. After ACA they'd see a monthly increase in the hundreds of dollars for a worse plan.
Sorry but if your eyesight is fine and you don't want vision then paying for it is not making it a better plan. Its just making it a more expensive plan.
What family can afford to pay $1400 a month for health insurance that in turn has them paying $100 copays or $8000 deductible (meaning the insurance does nothing until there are $8000 in bills?) Isn't the family much, much better off saving $16800 every year and taking care of the little things they have to take care of anyway?
THAT is the problem with healthcare in this country and it is something the ACA only made worse. Really think about it bili - you said you are paying $1400 a month. That is $16800 every year to insurance. What could you and your family do with that money instead of putting it into a pot for something you actually hope you don't use?
How much savings could you have as a rainy day fund? How often would repairs on a car come up and be already covered rather than be something that has to be worried about?
I think something almost all of us agree on is that before the ACA was implemented healthcare in this country was broken and needed fixed. Do you agree with that statement?
Going with the premise you do agree with that last statement I'll a step further: It was broken because it was a cost prohibitive purchase. People couldn't afford it. They also couldn't afford health care. The insurance was too expensive, the healthcare was too expensive. Are we still in agreement?
If so we have a good foundation for a discussion - healthcare and health insurance before ACA was in bad shape in the USA because it was too expensive.
If we are in agreement on that then how can we not conclude that healthcare and health insurance in the USA are STILL in bad shape? Why? Because both are even more expensive than they used to be before the ACA.
|
|
| | | 1806 | Tree
ID: 161036918 Tue, Jul 14, 2015, 17:55
|
In what fantasy world did anyone get a solid healthcare plan for $250?
the late 90s, early 2000s fantasy world.
i had a good plan when i was in the music biz. it probably cost closer to 300 a month. i had co-pays for doctor visits and such, pretty much everything was paid for.
but since i left that field, i haven't had a good insurance plan. mine now is decent, not as good as i had previously, but definitely better than what i've had at any other point since 2008.
|
|
| | | 1807 | biliruben
ID: 28420307 Tue, Jul 14, 2015, 18:46
|
I don't disagree with most any of that, Khahan.
It's still in bad shape.
But many more people are covered and it's less expensive than it would be otherwise. Also, people who need it but can't afford it are subsidized.
If you want to burn down Humana I'll contribute to your legal bills.
If you have a better idea to insure millions of people who weren't previously insured, subsidize those who can't afford insurance and make sure the insurance companies can't toss you off the roles when you get cancer, I'll contribute to your campaign.
I've already mentioned one. But that involves burning down Humana.
|
|
| | | 1808 | WiddleAvi
ID: 506382610 Tue, Jul 14, 2015, 19:00
|
Kahan - I think everyone agrees that our health care system is broken. I think the biggest problem is the GOP refusing to even consider a single payer system (as boldwin/fox news would say - it's socialism/marxism blah blah). Because we don't have health care for all Obama care came along and said the GOP is going to block that so lets do the best we can and get insurance for as many people as possible so no one is stuck without insurance. Hopefully this pushes the GOP to work and come up with a better solution to health care. IMO the only solution is health care for all like the rest of the modern world. It's about time we did away with health insurance completely. Access to health care should be a basic human right.
|
|
| | | 1809 | Bean
ID: 14147911 Tue, Jul 14, 2015, 19:24
|
<1808> "Access to health care should be a basic human right."
Agreed, but I also believe that it should be paid for by the country you are a citizen of. The US tax payer should not be providing free health care to non US citizens simply because they are inside our borders, either legally or illegally.
|
|
| | | 1810 | bibA
ID: 275441414 Tue, Jul 14, 2015, 20:39
|
The US tax payer should not be providing free health care to non US citizens simply because they are inside our borders, either legally
Even if they are paying their taxes?
|
|
| | | 1811 | Boldwin
ID: 49572022 Tue, Jul 14, 2015, 21:28
|
Oh, yeah, because so many illegals are earning enuff rise above collecting EIC instead of contributing, or even more unlikely, rising above large O-care subsidies.
|
|
| | | 1812 | biliruben
ID: 81382416 Tue, Jul 14, 2015, 22:21
|
Don't get your panties in a bunch. Undocumented immigrants aren't eligible for ACA subsidized health insurance.
|
|
| | | 1813 | Boldwin
ID: 49572022 Tue, Jul 14, 2015, 23:17
|
Except it's illegal for the Obamacare system to ask them if they are illegals...
...so right back atcha. They certainly will not be denied Obamacare and subsidies.
|
|
| | | 1814 | Bean
ID: 14147911 Wed, Jul 15, 2015, 00:44
|
<1810> Well, when we are discussing the creation of a hypothetical single payer system, we must be conscious of the fall out. It would require a total re-work of our tax system, and all things would be on the table then. Perhaps that was the inertia that Obama care avoided.
Green cards do not come with a guarantee of citizenship, there is no social contract with the hired help. Sorry green card holders, you still hold your allegiance to another country, you are not American citizens.
Imagine if a green card worker's company had to pay for that employee's health care to entice them to come here. They might be more inclined to hire an out of work American instead, assuming they weren't just inclined to break the law and hire an illegal instead.
|
|
| | | 1815 | biliruben
ID: 561162511 Wed, Jul 15, 2015, 15:23
|
Necessary and healthy fallout, I think.
And you seem to be talking in circles. You suggest in your last sentence that, in order for US workers to be on more equal footing with undocumented workers, we should actually insist they be given coverage.
This is argument number 5211 for moving towards a single-payer system. We would take the burden of health insurance away from corporations and allow them to be more internationally competitive.
|
|
| | | 1816 | Tree
ID: 161036918 Wed, Jul 15, 2015, 15:41
|
Except it's illegal for the Obamacare system to ask them if they are illegals...
also a lie.
|
|
| | | 1817 | Boldwin
ID: 49572022 Wed, Jul 15, 2015, 21:21
|
Unlike anyone else here, I actually read virtually all of the 1000+ pages and I know that the law blythely lies and says they are not eligible [which is just blowing smoke for political cover] and then elsewhere it makes it illegal for any Obamacare healthworker to ask about immigration status or to use that information against them.
While it is true that applying online using questionnaire forms will ask if they are legal, any illegal can get obamacare and subsidies if he keeps trying and he will never get thrown off once he gets covered.
|
|
| | |
| | | 1819 | Boldwin
ID: 49572022 Thu, Jul 16, 2015, 09:51
|
Better smile than Mengele

...and fava beans.
|
|
| | | 1820 | Tree
ID: 161036918 Sun, Jul 19, 2015, 23:14
|
you do love the highly edited videos. your heroes deceive and lie, and you praise them to the cross.
|
|
| | | 1821 | Boldwin
ID: 49572022 Mon, Jul 20, 2015, 00:21
|
The whole 2 hour uncut video is on youtube and there really isn't any way to describe carefully crushing a baby to preserve the valuable parts for resale that can survive public sensibilities, edited or not.
|
|
| | | 1822 | Boldwin
ID: 49572022 Mon, Jul 20, 2015, 00:42
|
On a related note *I hear* that while Hillary campaign workers are not allowed to talk to the press, they are however allowed to accept baby organ donations.
|
|
| | | 1823 | Khahan
ID: 396562015 Mon, Jul 20, 2015, 16:56
|
As if we needed more examples to illustrate the problem with healthcare in America.
This article actually hints at some of the other factors but does a good job of bringing at least 1 factor out into the open. Again this is something that Obamacare did NOT address.
|
|
| | | 1824 | biliruben
ID: 229341622 Sat, Jul 25, 2015, 00:12
|

Hey, whaddayaknow. Single payer does work, when the proper controls and people who don't hate the very idea of government are in charge.
|
|
| | |
| | | 1826 | Boldwin
ID: 49572022 Wed, Aug 12, 2015, 15:38
|
Here's how it happens, state by state.
Illegals of all ages getting Obamacare.
What I said.
What you derided as impossible and illegal.
Or maybe you were just lying long enuff to get it passed.
|
|
| | | 1827 | Boldwin
ID: 49572022 Fri, Aug 14, 2015, 21:23
|

Euthanasia, reductions in payout, higher age eligibility, all soon...soon.
|
|
|
|