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Health insurers hiding the ball

Health insurers are required to pay 80% of their premiums for actual services…so they negotiate higher rates , not lower rates with providers.

Why hospitals, insurers didn’t want you to see their prices
Can't comprehend why those that are aware of this don't cry 😿 out for single payer. My guess is those those that are aware of this(with very few? exceptions) do so.
 
You’re trying to fit an industry where the consumer can’t shop by price or service into a capitalistic model.
 
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Can't comprehend why those that are aware of this don't cry 😿 out for single payer. My guess is those those that are aware of this(with very few? exceptions) do so.
Apparently for many it is another big step down the road toward ‘socialism’ and the end of freedom of choice and capitalism. So the knee jerk opposition will ramp up immediately. Obama wanted single payer but the Senate finance committee nixed even discussing it. The hope was settling for Obamacare would be a transition step to single payer.
 
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You’re trying to fit an industry where the consumer can’t shop by price or service into a capitalistic model.
Yeah, that’s the biggest problem with healthcare. Some people don’t want to touch it because they don’t want it to be more ‘socialist’, but they neglect that most user level services (other than maybe plastic surgery) are also not currently an appropriate capitalistic approach.

I’d be okay with trying single payer, for the record. Or public option. Or allowing health insurance competition across state lines and improving transparency on service costs.

Or anything other than whatever we do now. It’s mostly tied to your employer, which is dumb and keeps people in jobs they don’t like and reduces competition for the consumers. There is zero consumer level competition between insurance companies. You get the insurance policies your employer decided were best. The bigger your employer is, the more negotiating power they have with the insurance companies and the better health care you can get (if they deign to care and negotiate on your behalf).
 
You’re trying to fit an industry where the consumer can’t shop by price or service into a capitalistic model.
Yes it is ridiculous. I held on to the idea that we could transform the system to be market oriented for a long time. But now I favor a Dutch style system with some layer of choice. Similar to medicare part c.
 
There are all sorts of approaches to universal healthcare being used by various countries in Europe. In Germany health insurance companies are regulated utilities which still compete in the way the utilities do here. Britain has a government run and financed national health service. There is everything in between.
 
Utilities here are generally monopolies.
Agreed, most are. Anyway, the difference I was trying to identify is that our healthcare companies are profit driven companies trying to meet very high investor expectations as hot stocks. In many developed countries they are regulated businesses that make their profits by running the company efficiently and keeping customer satisfaction high. Germany and Switzerland are examples. France and Britain have a different, more nationalized system. Australia has a national insurance system but docs run their own practices. Lots of ways to skin a cat other than our kludged together system which costs more and covers fewer people.
 
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Yes it is ridiculous. I held on to the idea that we could transform the system to be market oriented for a long time. But now I favor a Dutch style system with some layer of choice. Similar to medicare part c.
do the Dutch people pay for their own?
 
They do pay premiums and choose insurers. I have a friend who has lived there a long time. But it is highly regulated.

Great read.

And, since I know he won't read that article, I'll go ahead and give the highlights:

The Dutch did have a public option, essentially, and private insurance plans in parallel. The private plans were expensive, and a chasm grew where some people were able to access to great healthcare, but a growing majority were on the public plan that had fewer care options.

Their response was to actually ditch the public option and get everyone onto the private insurance plans, with subsidized rates for low income individuals. They also put into place tight restrictions on how the insurance and healthcare industry operated, which improved care and lowered costs for everyone.



From what I can gather, it was kind of like their own version of the ACA ("Obamacare!"), but not as half-assed and more focused on improving quality of healthcare standards in manageable ways. It helps that apparently the political will was there to actually do it right.

It makes you wonder what the ACA might have been had our own political atmosphere not been so toxic. If the two parties had worked together to come up with a mutually agreeable capitalistic approach to actually solve the problem, we might have ended up with something similar. Instead we got one party ramming "something, anything" through while trying to appease all the factions in their very slim majority, resulting in a scattershot bill, while the other party just jumped up and down with an attitude of "Obstruct and oppose, no good-faith negotiations, deny the Dems a win!". It's only gotten worse since then and I wish I could say I see a trend reversal coming, but I don't.
 
Great read.

And, since I know he won't read that article, I'll go ahead and give the highlights:

The Dutch did have a public option, essentially, and private insurance plans in parallel. The private plans were expensive, and a chasm grew where some people were able to access to great healthcare, but a growing majority were on the public plan that had fewer care options.

Their response was to actually ditch the public option and get everyone onto the private insurance plans, with subsidized rates for low income individuals. They also put into place tight restrictions on how the insurance and healthcare industry operated, which improved care and lowered costs for everyone.



From what I can gather, it was kind of like their own version of the ACA ("Obamacare!"), but not as half-assed and more focused on improving quality of healthcare standards in manageable ways. It helps that apparently the political will was there to actually do it right.

It makes you wonder what the ACA might have been had our own political atmosphere not been so toxic. If the two parties had worked together to come up with a mutually agreeable capitalistic approach to actually solve the problem, we might have ended up with something similar. Instead we got one party ramming "something, anything" through while trying to appease all the factions in their very slim majority, resulting in a scattershot bill, while the other party just jumped up and down with an attitude of "Obstruct and oppose, no good-faith negotiations, deny the Dems a win!". It's only gotten worse since then and I wish I could say I see a trend reversal coming, but I don't.
Yes and there is the key element of compulsory enrollment. And no getting out of it by just paying a small tax penalty. Wage garnishment eventually comes into effect.
 
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It also works like an hmo with a pcp controlling access and making referrals.
 
Lower income people are subsidized.

But remember this is not really a free market anyway. They go to emergency rooms now and get care. Until hospitals decide to turn people away to die or suffer on the street, there is nothing close to a real market system. And that is only the tip of the iceberg.
 
Lower income people are subsidized.

But remember this is not really a free market anyway. They go to emergency rooms now and get care. Until hospitals decide to turn people away to die or suffer on the street, there is nothing close to a real market system. And that is only the tip of the iceberg.
Thanks for posting. There's a lot of ways to provide universal care if, as you point out, there's the will to do so. Somehow every other industrialized country has been able to come up with a solution, but somehow we can't. Bummer.

I liked this quote:
"The system demonstrates that if a country is committed to organizing and tightly managing its health care, then it is still possible to achieve universal, affordable, and accessible care without entirely sacrificing market principles or private insurance."
 
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Thanks for posting. There's a lot of ways to provide universal care if, as you point out, there's the will to do so. Somehow every other industrialized country has been able to come up with a solution, but somehow we can't. Bummer.
the early colonists were escaping government control and created the Constitution to emphasize self reliance.

Life, Liberty, and the Pursuit of Happiness.
 
the early colonists were escaping government control and created the Constitution to emphasize self reliance.

Life, Liberty, and the Pursuit of Happiness.
Again are you ok with turning people with life threatening conditions away from the hospital. Or said another way, relying solely on the goodwill of those hospitals, if any, that will provide care for free.

This is a precondition for a truly market based health care system.
 
I agree with big chunks of what everyone on here, except one individual. A single baby step, that doesn’t fix close to everything wrong with America’s insurance, is to mandate full transparency in costs and prices.

The fact that you can go to a specialist pay your co-pay, but then if they need blood work or X-rays (even in the SAME office) can result in ridiculously high additional charges because those “weren’t in network” is one of the most ridiculous things I’ve ever heard.

Yes, the above happened to me with both blood work and x-rays. This despite me asking multiple times if they were covered and being told “Yes because they’re part of the same visit, they’re covered under the copay.”
 
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I agree with big chunks of what everyone on here, except one individual. A single baby step, that doesn’t fix close to everything wrong with America’s insurance, is to mandate full transparency in costs and prices.

The fact that you can go to a specialist pay your co-pay, but then if they need blood work or X-rays (even in the SAME office) can result in ridiculously high additional charges because those “weren’t in network” is one of the most ridiculous things I’ve ever heard.

Yes, the above happened to me with both blood work and x-rays. This despite me asking multiple times if they were covered and being told “Yes because they’re part of the same visit, they’re covered under the copay.”
Here is another one. There is only 1 child neurologist in the entire 1 million plus Tulsa metro area. He happens to be out of network with my insurance. So either we pay extra out of network or drive to OKC taking kids out of school for care.

And my employer picked my insurance carrier, not me.

This is not how a market for anything should work.
 
Again are you ok with turning people with life threatening conditions away from the hospital. Or said another way, relying solely on the goodwill of those hospitals, if any, that will provide care for free.

This is a precondition for a truly market based health care system.
no.

there are those who through no fault for their own should be provided for through Charity.

the gov is not a Charity. although some think it is


.
 
Here is another one. There is only 1 child neurologist in the entire 1 million plus Tulsa metro area. He happens to be out of network with my insurance. So either we pay extra out of network or drive to OKC taking kids out of school for care.

And my employer picked my insurance carrier, not me.

This is not how a market for anything should work.
go to okc. go to dallas, ... do something for yourself.
 
why make the gov dictate.

I think you misread? He said the ONLY insurance provider option he has through his employer doesn’t cover the pediatric neurologist in Tulsa.

That has ZERO to do with the government. He didn’t even mention wishing we had government provided healthcare. He and I were discussing how terrible the US’s current health care system is.
 
I think you misread? He said the ONLY insurance provider option he has through his employer doesn’t cover the pediatric neurologist in Tulsa.

That has ZERO to do with the government. He didn’t even mention wishing we had government provided healthcare. He and I were discussing how terrible the US’s current health care system is.
Right on.

Our system is idiotic now. It is not a free market the way markets are supposed to work. It is a convoluted, stitched together mess.

But I will take a step further. I see no realistic way to turn it into a truly free market.

I have thought long and hard about this and my position has changed over time. I like free markets in most areas of the economy. Very efficient when you want to buy toilet paper, bananas, or even cars.

Does not work as well for buying emergency surgery.

It is also a reason we don't use a free market approach for getting fire suppression services in our cities. It does not work for everything.
 
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I think you misread? He said the ONLY insurance provider option he has through his employer doesn’t cover the pediatric neurologist in Tulsa.

That has ZERO to do with the government. He didn’t even mention wishing we had government provided healthcare. He and I were discussing how terrible the US’s current health care system is.
After my daughter was born, she needed to be flown to Albuquerque to get a life saving surgery due to a congenital defect in her bowels that we were unaware of before birth. She was too young to put on a helicopter, and the docter wanted to arrange an ‘air ambulance’ for her, which is a special Cessna. I have ‘very good‘ insurance. I remember my conversation with the doctor, it went something like this:

Me: Doctor, this seems convoluted. First we have to wait for the plane to arrive. Then she needs to be ambulanced to the airstrip, get in the airplane, and fly to ABQ. Then she will have to get on another ambulance to the hospital there. She seems stable for now. It might be faster and cheaper to just drive her there the whole way in an ambulance, wouldn’t it?

Doctor: Yes, it probably would, and she is stable right now. But with her condition, she could turn south at any moment. And even though the plane will ultimately take longer because we have to wait for them to scramble a pilot and for it to arrive, it does reduce transit time. What you really don’t want is for her to start going septic in the back of an ambulance in Pojoaque. It’s better for her to be here, or ABQ if that happens, and this is the best way to try and make sure we minimize that risk.

Me: Okay. Thank you for explaining it. Air ambulance it is.


A couple months later we get a bill for like $15k because the insurance company rejected the claim on the air ambulance, saying a regular ambulance would have worked just fine. Apparently in my moment of deep emotion, I was supposed to refuse my doctor‘s recommendation for my newborn and do what, in retrospect, would have worked just fine. I fought them for months on that one.

The system we have is broken, and it is not at all controversial to say that. I didn’t ask the government for help, I just wish there was some consistency and accountability from these companies at the very least. As is, they have the benefit of hindsight to second guess doctors and deny claims. And by their logic, all of us laypeople should all be second guessing our trained professional doctors that we pay top dollar for advice in our hours of need. It’s beyond appalling.
 
I think you misread? He said the ONLY insurance provider option he has through his employer doesn’t cover the pediatric neurologist in Tulsa.

That has ZERO to do with the government. He didn’t even mention wishing we had government provided healthcare. He and I were discussing how terrible the US’s current health care system is.
if the only dr in tulsa take one insurance, then free the market system will generate demand for more.
 
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if the only dr in tulsa take one insurance, then free the market system will generate demand for more.
A free market would let Mullins pick his own doctor or health insurance provider. What you describe is…. Not a free market effect.
 
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But there is no free market.

If you want to take it that direction get rid of all tax incentives for employers to provide insurance, enforce price transparency, and let's see what we get.

But it is guaranteed to fail because - again - there are huge indigent care costs baked into the system no matter what.
 
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if the only dr in tulsa take one insurance, then free the market system will generate demand for more.
It is always easy to criticize particular points somebody makes and throw out narrow counterarguments.

It sounds to me like you are a committed Libertarian - freedom above all else barring direct injury to another.

So what would be your libertarian ideal for the perfect health care system?
 
And while you are at it, please let me know where you draw the line on freedom. If you are really a Libertarian or even a principled believer that government should leave you alone unless you are directly harming someone else, are you ready to endorse abolishing the following.

Social security
Medicare
Public universities
Insider trading laws (hey, why punish executives for making good deals for themselves and their pals?)
Unemployment insurance
Fire departments (why should you pay for someone else's mistake leaving that candle burning?)
Public utilities (surely if you want electricity and fresh water, someone will jump into the market and provide it)
Zoning codes
Labor laws (unsafe work environment? Too bad, find another job)

There are a million more.
 
It is always easy to criticize particular points somebody makes and throw out narrow counterarguments.

It sounds to me like you are a committed Libertarian - freedom above all else barring direct injury to another.

So what would be your libertarian ideal for the perfect health care system?

The funny thing is, I’m libertarian in most aspects. Health care is not one of them.

1. Lack of transparency is absurd
2. No accountability for insurance companies unless you have enough money to fight them legally OR have a deep understanding of the insurance industry
3. It makes no sense that insurance is part of employment. Why are the two tied together? Only because that’s “how it’s always been done” in America.
4. A couple folks on here don’t seem to understand that someone without insurance or a means to pay can go to a hospital (except during the current pandemic) and receive care because Doctor’s legally must follow the Hippocratic Oath.
 
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The funny thing is, I’m libertarian in most aspects. Health care is not one of them.

1. Lack of transparency is absurd
2. No accountability for insurance companies unless you have enough money to fight them legally OR have a deep understanding of the insurance industry
3. It makes no sense that insurance is part of employment. Why are the two tied together? Only because that’s “how it’s always been done” in America.
4. A couple folks on here don’t seem to understand that someone without insurance or a means to pay can go to a hospital (except during the current pandemic) and receive care because Doctor’s legally must follow the Hippocratic Oath.
I used to find the Libertarian philosophy appealing but it falls apart in the ways I showed above, plus we all don't start out equal. Just like communism and socialism fall apart when it comes to the matter of human motivation. So I have become a non philosophical pragmatist - the world is messy so try things, see how well they work, rinse and repeat.
 
+my current thinking is that something like Medicate Part C (Medicare Advantage) for all is the way to go for healthcare in the USA. It preserves aspects of private insurance and choice but you largely get the buying power of a single payer model to control costs. And you must have auto-enrollment for people who don't choose a plan.
 
The funny thing is, I’m libertarian in most aspects. Health care is not one of them.

1. Lack of transparency is absurd
2. No accountability for insurance companies unless you have enough money to fight them legally OR have a deep understanding of the insurance industry
3. It makes no sense that insurance is part of employment. Why are the two tied together? Only because that’s “how it’s always been done” in America.
4. A couple folks on here don’t seem to understand that someone without insurance or a means to pay can go to a hospital (except during the current pandemic) and receive care because Doctor’s legally must follow the Hippocratic Oath.
As to your number 4, I think everyone realizes that people in need can go to the emergency room. The problem is that they have to require emergency care to necessitate that use of the Hippocratic oath. If they’re suffering from cancer, or some disease that’s debilitating when left untreated the hospital won’t see them until it’s already to late, and that’s when the care becomes expensive to a degree it might not have been if preventative measures were administered before things turned into an emergency.
 
As to your number 4, I think everyone realizes that people in need can go to the emergency room. The problem is that they have to require emergency care to necessitate that use of the Hippocratic oath. If they’re suffering from cancer, or some disease that’s debilitating when left untreated the hospital won’t see them until it’s already to late, and that’s when the care becomes expensive to a degree it might not have been if preventative measures were administered before things turned into an emergency.
You’re 100% right. Point 4 was only for my friend, aTUfan, that isn’t aware the uninsured still get treated in our current medical environment. Albeit in the least effective manner possible.
 
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