09/11/2009, 11:20 AM
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#1901 (permalink) | |
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The remainder of your argument, which would essentially provide direct care (in case you didn't see my earlier link, this is to Qliance, which is a forme fruste of what may occur in the future: Qliance Health Care The key determinant here is controlling charges. Not only that, but this kind of care, which emphasized primary care and prevention, can lower costs, but the largest increases (and percentage of costs) are from high tech subspecialty practices with doctors who make large incomes. Things get a little dicier there, as it does when people need to be admitted for something "minor". Thus, the actual amount of coverage that will keep someone from going bankrupt is specifically the assurance that the "catastrophic" plan will cover whatever the "direct payment plan" doesn't. That will not be easy, and it will not be cheap. Even if you control fees, which Qliance argues are less because they don't have to pay anything to an insurance agency, the costs of new technology tend to be disconnected from rational fee systems. One way of controlling those costs is to use rigid price controls, but in that situation physicians just won't buy expensive useful machines if it will put them in debt. They have to pay their employees as well. There needs to be a guarantee that patients will not be bankrupted by unexpected medical expenses. I think that the easiest and least painful way to do that is to simply expand Medicare, which does suck in some ways, but as I said, it's better than private companies in terms of dealing with reimbursement issues. Any cobbling together of private insurance (with hundreds of different plans to deal with) plus direct pay plus reorganizaing Medicare plus additional price controls that will need to be implemented....you're talking about a huge inefficiency of scale, and the cost of that alone would be essentially wasted. Why make something unwieldy because some people are afraid that the government won't provide good health care or good health care insurance, when patients are very satisfied with Medicare, most with the VA, and all of congress seems delighted with their public option. We can save money by decreasing fraud, yes, and possibly by tort reform....but then we'd waste it on adminsitrative costs trying to get all these complexities to fit into one plan. It's just not a rational way to approach this problem, IMHO. Add: And since someone is certain to bring up the fact that Medicare is looking dicey long-term, here's what can be done to fix it. Do away with the republican drug benefit/handout to drug companies. That would save a bunch right there. Limit reimbursement to interventions proven efficactious. Require reasonable documentation before reimbursing for expensive technology. Reduce duplication in treatments by having a gatekeeper coordinate care and limit access to subspecialists. I suspect that these changes would clearly save considerable money for Medicare. Last edited by davidra; 09/11/2009 at 02:03 PM. |
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09/11/2009, 11:42 AM
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#1902 (permalink) | |
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Lastly, your regurgitation of what is spoken to you, and acting as if it were your own original thought is quite cute in certain circles, I suppose, but it doesn't fly in reality. Is it even possible that your gamesmanship can end here and now? Yes, I'm asking the question legitimately and seriously. |
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09/11/2009, 12:04 PM
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#1903 (permalink) | |
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What do you think about a pseudo-direct payer plan--that is HSA type savings with (relatively) high deductible insurance. That instead of having a common/catastrophic break is simply a financial limit. Unfortunately, I think this would be very similar to what we have now. Insurance would still be involved--at least in monitoring expenditures to whatever the limit is. There could still be some benefit, because they still wouldn't be paying out for the large volume of common things (office visits, and the like). Insurance systems break down when they try to cover things that are highly likely to occur, and that's what we have now. I believe that's why insurance costs continue to skyrocket. I'm trying to digest what you said about cobbling different plans together and medicare. Why does this have to happen? What I suggested didn't involve medicare--or rather an expansion of medicare to non-elderly. I'm not following where the necessity to combine that comes into play. Again--my idea isn't for managed price controls, but rather market controls. I think we continue to differ on this. If a given medical service is priced out of the range of its customer, and there is no insurance company (or government) to pay it (possible due to indirect payments that spread out the costs) then it won't be economically viable. Meaning--the price will have to come down. This is an imperfect example, and I know you dislike this in regards to medicine, but picture a car--the best car in the world. If no one can afford it, no one can buy it, so an enterprising business will find a different alternative. Basically--its a disincentive to gouge. I'm not suggesting something that is unwieldy. It might end up being unwieldy and thus not viable. As far as medicare--well, what happens when you expand the scale of it by several times. Does it remain somewhat efficient or does it gain overhead at a faster rate? I don't know. I'm not sure how similar Massachusetts plan is, but I hear that costs have climbed significantly. The VA--well, I hear mixed reviews about that. Congress--well, no surprise there, but it is also a VERY small group. The essential element that I see as being vital to control costs is to eliminate or greatly reduce indirect pay systems. Medicare is an indirect payer system, so it seems that unless it had some really core changes to how it worked, that problem will remain. It sounds like we agree that there are benefits to direct pay. I'll have to read up on that link you posted. KAM |
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09/11/2009, 12:09 PM
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#1904 (permalink) | |
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KAM |
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09/11/2009, 12:39 PM
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#1905 (permalink) | ||||||
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Thoughts from across the pond. From outside our borders looking in. I pulled these comments from the BBC site: BBC NEWS | Have Your Say | Is Obama right about healthcare?
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09/11/2009, 01:12 PM
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#1906 (permalink) | |
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The other consideration is the area of academic research and its grant funding through NIH and other sources. What effect, if any, do you foresee in that large arena? Currently, many of these new treatments and techniques are not reimbursable under the current system so my concern would be a potential chilling effect during the 4 year implementation period. Any thoughts? I'm certainly pro-business, but not at the expense of undermining the integrity of the healthcare delivery system for the ultimate sake of pharma's or other manufacturer's profitability and shareholder wealth. That is exactly part of the formula that landed us into this position to begin with. |
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09/11/2009, 01:17 PM
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#1907 (permalink) | |
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PalmPilot, PalmIIIc, Treo 650, Pre "It's good to be the King" - Mel Brooks, History of the World, Part 1 Be a Patriot, pray for Obama, Psalm 109:8 "I would rather have a German division in front of me than a French one behind me." General George S. Patton |
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09/11/2009, 01:44 PM
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#1908 (permalink) | ||
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From Treas.gov: Quote:
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09/11/2009, 02:01 PM
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#1909 (permalink) | |
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1) Unless you speak the language, and are happy to be treated like a 2nd class citizen, they don't want you (although they are happy to take your money when you go for a holiday). 2) This pretty much leaves the UK, and the weather sucks! 3) Europe sounds great to these people as a theory, but when it actually comes to living in a tiny house, driving a tiny car and paying 3 times as much for everything it turns out there are not so many takers. On a more serious note, I really don't know why so many people want to turn the US into Europe. I am really not impressed with the argument that they all do their health care differently than here. Sounds a bit too much a like a child complaining that all his/her friends are doing something....... i.e. that others are doing it doesn't make it right. In addition, a thoughtful person might consider that yes, the US does things differently to Europe (I personally hate referring to Europe as a single entity....but anyway) but that the US has also been vastly more successful...... perhaps there is a link somewhere??? |
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09/11/2009, 02:39 PM
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#1910 (permalink) | |
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The only real argument that shows that our health care is vastly more successful goes like this: "our health care is American.....American is better at everything....therefore our health care is better".
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09/11/2009, 02:41 PM
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#1911 (permalink) |
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You make the assumption I am not outraged....but that is a different topic. I am quite aware of how the federal income tax was started (Amendment XVI, 1913). What changed?....well....politicians determined that if they wanted to have more power, they needed to control more of your life, and this required more money, and "poof", we have income tax.....the more they controlled the more powerful they became.....pretty much as I see it in a nutshell.
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09/11/2009, 02:43 PM
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#1912 (permalink) | |
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PalmPilot, PalmIIIc, Treo 650, Pre "It's good to be the King" - Mel Brooks, History of the World, Part 1 Be a Patriot, pray for Obama, Psalm 109:8 "I would rather have a German division in front of me than a French one behind me." General George S. Patton |
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09/11/2009, 02:50 PM
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#1913 (permalink) | |
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![]() I could be wrong, but I think that you realize that people are not flocking to our country for health care, but rather there are a host of reasons why people come here. I'd be glad to hear any actual data that shows that our health care outperforms Europe: cost, life expectancy, patient satisfaction. Y'know, something other than "America is perfect...love it or leave it."
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09/11/2009, 03:27 PM
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#1914 (permalink) |
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You've provided data, but not that supports your premise. I believe the US has the world's best health care.
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09/11/2009, 03:45 PM
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#1915 (permalink) | |
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Although its history began prior, it was actually President Lincoln who first instituted federal income tax as a means of conducting large-scale war. In order to become a world power, militarily and economically, it became an addiction in the 20th century. Why is it still necessary? |
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09/11/2009, 03:46 PM
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#1916 (permalink) | |
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What I said was that if your direct pay plan was to include seniors, it would require a major reshuffling of Medicare in addition to all the other changes that need to be made, and we have no experience as to whether these will work. Direct pay has been a demonstration project at best. Implementing it right now with little experience in a complicated system seems foolhardy. We know where the problems are with Medicare, from the patient's standpoint, from the financial standpoint, from the fraud standpoint, from the doctor's standpoint. Expansion would be much easier, with much less risk, again in my opinion. And although it is true that the overhead for Medicare is slightly underrepresented because other parts of the government are used for parts of the Medicare system it is still more efficient, more nimble and more responsive than most private insurance companies....although some of my colleagues would dramatically disagree, I'm sure. |
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09/11/2009, 03:50 PM
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#1917 (permalink) |
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You're absolutely right. It does have the world's best health care. That is, for everyone who has almost unlimited access to it. When you count the 45 million or so who don't, and the millions on Medicare who can't find a doctor to treat them, and average it out, we are miserable, and there are tons of data that show that. Of course, conservatives don't like the measures that are used, and complain bitterly about how those outcomes are biased and not relevant to our population. Manure. We do not compare favorably in our ability to provide health care for our population. There is no argument about that from anyone that can read.
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09/11/2009, 04:09 PM
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#1919 (permalink) | |
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NIH funding is the backbone of medical discovery in this country. If you think that the US has a great health care system, you can look to the NIH as the reason (and not private industry research funding, as someone mentioned early in this thread). It would be incredibly short-sighted to limit NIH funding (as was done by many presidents, most of them republican, including Bush and Reagan). And hey, you know what? The NIH is the government. |
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09/11/2009, 04:15 PM
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#1920 (permalink) |
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It's only my opinion, but I believe that may have more to do with the breakup of the former Soviet Union nations and the increasing openness of China. Does the US still shine as a beacon to the rest of the world? Certainly. However, it is the responsibility of its people to keep kicking it in the seat of its pants in order to fulfill its promise of progress.
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