[rollei_list] Re: OT: Health Care Costs

  • From: Jon <jon.stanton@xxxxxxxxxxx>
  • To: "rollei_list@xxxxxxxxxxxxx" <rollei_list@xxxxxxxxxxxxx>
  • Date: Mon, 22 Mar 2010 12:46:35 -0700

Moore's scene in the Cuban hospital has all the truth/ sincerity of Dorthea Langes "Migrant Woman" it was set up.


Sent from Olywa


On Mar 22, 2010, at 12:13 PM, "Peter K." <peterk727@xxxxxxxxx> wrote:

He is a master of deception in his movie making. Do not believe what he puts on film.

On Sun, Mar 21, 2010 at 2:02 PM, Laurence Cuffe <cuffe@xxxxxxx> wrote:
I watched Sicko by Micheal Moore on German TV a week or so ago, it was a deeply depressing experience. It is polemic and partisan, but it is also a documentary describing real cases, and interviewing real people.

I hope some form of universal heath care gets through for the USA, as I think its a good piece of governance technology and it seems to work ok for the countries that adopt it.

I find it depressing to note that most of the voices I hear speaking out against it, have coverage either through their work or through veterans benefit.

I spent two years in the states buying private cover, and I was not impressed by the limitations on cover even though I was paying over $1000 a month for coverage. My private health insurance premium over here for my family is about that much a year, and is used to supplement the basic level of care provided by the state. This generally means that you will get a private room if available.

What is this system like in practice?
This time last year, here in Ireland, my son started walking with a limp and this proved to be an bone infection in his foot which required myself and himself spending a week in a children's hospital. We had X-Rays, MRI scans, and lots of medication. I think I paid out about $75 in total.

Our medical system over here is not without its critics, but it costs only half as much on a per capita basis than the American system, and life expectancy is much the same. This is based on WHO figures.

I think you can make an argument in favor of universal health care based on value for money, however I think the arguments should be made along the lines of "Its the kind of fundamental service that any country that can afford it should provide for its citizens, just like a police force, a judiciary and an army". Thor has this right.
My 2c.
Laurence Cuffe


On Sunday, March 21, 2010, at 02:56PM, "Thor Legvold" <tlegvold@xxxxxxx > wrote:
>Health care is part of the basic lowest-common-demoninator needs a
>government provides for it's people Part of the health, safety and
>welfare (in the correct use of the word) of the populace. It's funny
>to see the US jump up and down and shout that they're number 1, and
>then look at the actual numbers across a range of social, economic and
>other issues :-).
>
>The US is big on toys for the guys (i.e. military/defense spending)
>but not so much on the health and well being of it's general
>population, or so it would seem. I won't even touch the ever-growing
>girth of the American population in general, and what that's going to
>mean further down the road...
>
>I was told by a guy in the US a while back that the problem really
>started escalating when the government changed the system from
>strictly not-for-profit to regular for-profit (for health insurers/
>plans). At that point the focus changed from providing a valuable
>service and balancing costs with expenses, to making as much profit as
>possible and cutting expenses where ever possible. I'll bet it's
>difficult having two diametrically opposed goals when running a large
>insurance company - the highest possible returns for the stockholders
>against providing a high level of quality and service to those who
>need it most and have paid for it.
>
>He said that, combined with balooning malpractice lawsuit payouts, was
>where the whole thing started to go terribly wrong. I don't know if
>his explination is correct, but it sounds interesting.
>
>Cheers,
>Thor
>
>
>On 21. mars. 2010, at 16.31, Douglas Nygren wrote:
>
>> In Switzerland, insurance companies are forbidden to make a profit
>> on their health insurance coverage. They made the switch to this
>> system in the 1990s because in the Swiss view too many citizens were
>> without coverage. They became alarmed when 5% were without health
>> insurance. We are closer to 18%.
>>
>> The insurance companies make money on the other products they sell
>> and use health insurance to show what good companies they are.
>>
>> In this country, we spend 30 cents of every premium for nothing. The
>> insurance companies skim 30% for profit and handling costs.
>> Medicare's handling costs are about 5.5%.
>>
>> The logic of managed care would be to eliminate the insurance
>> companies. It's an easy 25% to pick up in savings, but would be only
>> one step in the process of reigning in runaway healthcare costs. We
>> get nothing for that 25%. I bet Marc wouldn't pay someone 25% more
>> for work on his house. For that 25%, the person would simply cash
>> your checks, deny you work on your home, then cheat the workmen and
>> companies doing the work out of their money by denying their bills.
>> This system makes no sense it is also producing bad results. We pay
>> more and get less than other countries. We are not healthier for the
>> extra money we pay.
>>
>> The premiums for my company rose 29% last year. Who can afford jumps
>> in costs like that for long? We dealt with the jump by finding a
>> better price from another company. The quality of the insurance
>> dropped and people's deductible jumped out of sight. The deductible
>> for my family went from little to $4,000. In my view, the insurance
>> company became a tax collector. What would George Washington think
>> of that--taxation without rerpresentation.
>>
>> I laugh when I hear politicians ask,  "do you want government
>> between you and your doctor?" Certainly would be better than what we
>> have now, which is profit-driven insurance companies between my
>> doctors and me. I can call my congressman, my senator. I can't call
>> the insurance company. They are not elected, they don't have to
>> answer to the public.
>>
>> And I must admit, I fear more that I will lose my insurance or be
>> dropped to a pre-existing condition and end up losing everything
>> when I get sick than I worry about a terrorist attack. My insurance
>> company is more likely to kill me than any terrorist.
>>
>> Doug
>>
>>
>>
>> On Mar 21, 2010, at 10:02 AM, Eric Goldstein wrote:
>>
>>> Marc -
>>>
>>> I agree that this is a thoughtful reply.
>>>
>>> I will take issue with your implication that MDs in this country
>>> earn 50-75 thousand dollar salaries; the average PCP salary in the
>>> US is twice that. Also, to suggest that the average salary of
>>> specialists such as Cardiologists, around 450 thousand annually, is >>> justified is crazy; no where else in the world do you see this kind
>>> of compensation.
>>>
>>> Basically you are accurate in saying that it is insurance companies
>>> who have escalated health care costs far above the rate of
>>> inflation over the decades, and that cost containment is the key to
>>> bringing affordability back into the US health care system. They
>>> have done it because of the failure of the so-called "free market,"
>>> they have done it via a fee-for-survices reimbursement structure,
>>> and they have done it by adding an additional 10-13+% to the cost
>>> of health care via their administration and profit.
>>>
>>> Where your argument goes astray is the suggestion that tort reform
>>> is the answer. At most, successful tort reform, if it could be
>>> meaningfully achieved, would result in about a 2% reduction in
>>> health care costs, which won't cut it no matter what your goal for
>>> the future of health care. We need to find about 13% to get us to a
>>> place where we can move forward by insuring most every citizen, if
>>> that is the goal, and about 8-10% to get us to future solvency
>>> under existing programs.
>>>
>>> Real life has shown us that successful cost containment within a
>>> private insurance model has only been achieved, and can only be
>>> achieved, via comprehensive and strict government insurance
>>> guidelines in health care systems. There are numerous examples of
>>> successful health care systems with outcomes better, and costs
>>> lower, than those in the US which substantial this and none which
>>> refute it.
>>>
>>> To keep the discussion simple and focused, I won't address in
>>> detail your constitutional argument as it relates to health care.
>>> The fact is the vast majority of US citizens support Social
>>> Security, Medicare and other federal programs which are not
>>> referenced in the Constitution. In our democracy, it is the will of
>>> the majority exercised within our framework of laws and government
>>> which prevails; and for that I am thankful.
>>>
>>>
>>> Eric Goldstein
>>>
>>> --
>>>
>>>
>>> On Sun, Mar 21, 2010 at 4:35 AM, Marc James Small <marcsmall@xxxxxxxxxxx
>>> > wrote:
>>>>
>>>> Thank you, Eric. Allow me a reasoned response. I do occasionally
>>>> post outrageous remarks to get active discussions going, such as
>>>> my recent one on vegeterarians, but I am being a lot more serious
>>>> in this note.
>>>>
>>>> First, we in the US have suffered for sixty years due to the
>>>> growth of medical insurance.  From the early 1950's into the
>>>> 1980's, there was just no cost containment on this.  In 1950, the
>>>> US medical field was almost all self-paid, and so MD's ran the
>>>> gamut from Dr Tubes the Back-Alley Abortionist to some real silk-
>>>> stocking types taking care of the wealthy.  (Richard Knoppow will
>>>> appreciate my noting Raymond Chandler's inclusion of some of these
>>>> silk-stocking doctors as bit of nasty work, indeed.)  So, from
>>>> 1955 or so (when Blue Cross/Blue Shield finally sold their package >>>> to the US labor unions) until, roughly 1985, the medical insurance >>>> companies did not quibble over charges. And so, ALL doctors began
>>>> to anticipate getting paid the sort of salaries previously
>>>> restricted to specialists and society docs. The, around 1985, the
>>>> health insurance companies began to cramp down their payment
>>>> rates, and this has led to a lot of the problems.
>>>>
>>>> We now have a system where most "Family Practitioners" are making
>>>> decent, but not outstanding, salaries ($50,000 to $75,000) but the
>>>> working conditions are intolerable.  I know a few husband-wife
>>>> doctor teams who make it work by splitting the duties so each
>>>> works half-time (half-time being 40 hours a week) to earn one
>>>> salary.  I get my health care at the Veterans Administration, and
>>>> the doctors I know there all describe themselves as "refugees from
>>>> private practice".  Specialists make a lot more and, to be blunt,
>>>> almost all earn their keep. But then look at the salaries paid to >>>> medical administrators! Oh, my! $500,000 a year to be a CEO of a >>>> regional hospital system? Back in the day, that system would have
>>>> been run by the docs and the administrator would have been paid a
>>>> journeyman's wage. This all changed when the insurance companies,
>>>> at the gunpoint of the Labor Relations guys in Washington, just
>>>> paid the bills without question.
>>>>
>>>> If you want to bring health care costs down, you have to do some
>>>> really severe cost containment.  Hillarycare involved direct wage
>>>> and price controls, and that was its main drawback. That will not
>>>> work.  Tort reform would help -- and I mean comprehensive tort
>>>> reform, reform of the system, reform of the process.  Until the
>>>> late 1970's, health insurance companies would settle small claims
>>>> out of court.  Then the Great Mass Media started screeching about
>>>> "killer docs getting away with murder" and insisted that the
>>>> malpractice results for each doctor be made publicly available.
>>>> This was dumb.  The docs then insisted on having the right to
>>>> approve settlements and, as each settlement becomes public record, >>>> they resist agreeing to ANY reasonable settlement. The first Tort
>>>> Reform ought to be to set out that the insurance claims
>>>> professionals handle the settlements, and the docs have no voice
>>>> in yea or nay.
>>>>
>>>> Eric has raised the issue of obesity and the like, and these are
>>>> good points.  But, in the end, we are ruled by our genes and we
>>>> are ruled in two regards.  First, some folks come from long-lived
>>>> families and never need any serious medical attention until the
>>>> Medical Examiner signs off on the Death Certificate -- "body wore
>>>> out at 91".  And some folks have genes that allow them to eat
>>>> outrageous foods but their defective "digestyum track", as Frank
>>>> Zappa called it in THE THINGFISH, just passes it through, so they
>>>> can eat a half-gallon of ice cream and never gain an ounce.
>>>>
>>>> I come from long-lived stock, my parents having died in their 80's
>>>> and my grandparents in their 90's.  That does not mean that I am
>>>> not going to have a fatal stroke later today, but, then, as a
>>>> Christian, I am happy to go when the summons comes.  However, as
>>>> my mother used to note, our family is living proof that only the
>>>> good die young, so I expect I will be around for quite a while
>>>> longer -- I am only 60, after all!
>>>>
>>>> And this raises all sorts of other issues -- should insurance
>>>> companies be allowed to demand DNA samples from their insurees to
>>>> look for possible future health problems?  Now, whole life
>>>> insurance purveyors want to know your family history back four or
>>>> five generations -- I am surprised ANY Roosevelt, Hyde Park or
>>>> Oyster Bay, could ever get a life insurance policy! Should health
>>>> insurance carriers be permitted to do the same?  I don't have
>>>> answers, just questions.
>>>>
>>>> Almost any US citizen had the chance to get a great lifetime
>>>> health insurance system by spending two years in the military.  I
>>>> have been treated by the VA since 1981, and I have no argument at
>>>> all about the care I have received. My father was treated by them
>>>> from his retirement in 1944 (on medical grounds) until his death
>>>> in 2000.  Primo care, all the way.  I recently turned 60, so I
>>>> switched from being a "gray area" Reserve retiree (base privileges
>>>> only, and not all of those) to a full retiree, so I know receive
>>>> the Widow's Pension every month, and I am now entitled to sign up
>>>> for the military version of Medicare, aka Tricare.  I have signed
>>>> up. It goes into effect on April Fool's Day, and appropriate that
>>>> is, as the doofuses in Congress are probably going to vote later
>>>> today to eliminate this plan. I hope I get a refund of my premium!
>>>>
>>>> Finally, as I have noted here before, I seem to have a defective
>>>> copy of the US Constitution.  Nothing in my copy says anything
>>>> about a requirement for the Federal Government to provide health
>>>> insurance to anyone.  The wonderful part of all this is that when
>>>> Pelosi manages to force her way through, she has just lost her own
>>>> job as Speaker and has cost at least 50 of her folks their seats
>>>> come November.  And, bless the Chief Justice of the US:  this
>>>> scheme will never pass Constitutional muster.
>>>>
>>>> Those of you who WANT to have a Federal government entitled to do
>>>> such things ought to be working to convene a new Constitutional
>>>> Convention.  Whatever came out of such a circus would probably be
>>>> a vile mess, but at least it would be an honest mess, unlike the
>>>> "interpretations" we now use to protect government intrusions far
>>>> beyond what the Founidng Fathers intended.
>>>>
>>>> George Washington and National Health Care? Think about it, folks!
>>>>
>>>> Back to your regularly scheduled programming.
>>>>
>>>> Marc
>>
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