No one was even paying attention to this for decades.
Now, all of a sudden, Obama did all the harm?[/quote]
I was in the health insurance business back in the '90’s. It was being paid attention to then and now.
Obama certainly did not do all the harm in the ACA. The members of Congress who passed it assisted him. The USSC justices who voted to uphold also did their part.
Their is multiple culpability. But he is the one who led the charge. It’s not called PelosiCare for a reason.[/quote]
What was your solution?[/quote]
Insurance fo catstrophic events only. All other services A la carte.
or
Insurance fo catstrophic events and preventative care w/ all other services A la carte.
and
Improved competition through interstate and/or international insurance exchanges.
The fact that I can buy a TV in South Korea and ship it to MD, but can’t buy health insurance from California while in MD is stupid.
a. decouple the government from health insurance AND health care
The government, especially the federal government, fucks up everything it touches; it is the anti-Midas. Everything it touches turns to shit.[/quote]
What does this mean? I just did a lot of treatment today that I know most of my patients couldn’t have afforded without insurance.
How would a “free market” fix this?
[quote]
decouple health insurance from employment
Your and my health insurance should no more be tied to our employment than our mortgage or auto insurance. It was a mistake in the 1940’s when it began and it’s a mistake now.[/quote]
That helps keep medical providers in arm’s reach of the people that need it.
Insurance fo catstrophic events only. All other services A la carte.
[/quote]
This sounds like just talk.
I just did a procedure that charged out would have cost this patient who just lost her job over $2,000.
How would all of these people without the income pay for these procedures at all?
So your solution is most of the country dies off or loses their teeth?[/quote]
It only costs that much becuase of how our current system works. If procedures were paid out of pocket or A la carte so to speak, they would be cheaper. People wouldn’t go see thier Dr. everytime their nose started to run.
[quote]MaximusB wrote:
If you are suggesting people are bitching because Obama took the seat, perhaps it’s because
a) He lied to holy hell to get it passed.
b) He is changing law on his own without Congressional approval or input.
c) He is unequally giving exemptions.
d) He is forcing people to buy something they might not otherwise be buying.
He decided to go after this all on his own, it’s his baby, he owns all that comes with it.[/quote]
And the faults of the general public include:
Not realizing just how much money it costs to get minor procedures done because most of the country was raised on insurance.
trust me…more people would be complaining if they had to pay all of this upfront on their own.
Insurance fo catstrophic events only. All other services A la carte.
[/quote]
This sounds like just talk.
I just did a procedure that charged out would have cost this patient who just lost her job over $2,000.
How would all of these people without the income pay for these procedures at all?
So your solution is most of the country dies off or loses their teeth?[/quote]
It only costs that much becuase of how our current system works. If procedures were paid out of pocket or A la carte so to speak, they would be cheaper. People wouldn’t go see thier Dr. everytime their nose started to run. [/quote]
Uh, no…they would not.
You think doctors will all come down on prices of procedures because you pay out of pocket?
You serious?
These materials cost money…and that education isn’t cheap.
Insurance fo catstrophic events only. All other services A la carte.
[/quote]
This sounds like just talk.
I just did a procedure that charged out would have cost this patient who just lost her job over $2,000.
How would all of these people without the income pay for these procedures at all?
So your solution is most of the country dies off or loses their teeth?[/quote]
It only costs that much becuase of how our current system works. If procedures were paid out of pocket or A la carte so to speak, they would be cheaper. People wouldn’t go see thier Dr. everytime their nose started to run. [/quote]
Uh, no…they would not.
You think doctors will all come down on prices of procedures because you pay out of pocket?
You serious?
These materials cost money…and that education isn’t cheap.[/quote]
Uh, ya they would because like you said no one will pay $2,000 out of pocket. There would be a true market value for med services just like everything else. Prices are inflated because right now there is a middle man (insurance companies) trying to make money too. Eliminating the middle man will lower cost.
Uh, ya they would because like you said no one will pay $2,000 out of pocket. [/quote]
Ok…let me break this down for those not in this field…IT IS A $2,000 PROCEDURE because of the materials used and the education required and skill to do it. Me taking a hit there because someone can’t pay will only lead to me not being able to afford to do this procedure.
Your solution seems to involve what will no doubt push more docs out of the field…PAYING THEM LESS.
[quote]
There would be a true market value for med services just like everything else. Prices are inflated because right now there is a middle man (insurance companies) trying to make money too. Eliminating the middle man will lower cost.[/quote]
Actually, the prices are set regardless of insurance. Insurance acts as CO PAY in most cases.
Why would the price be lowered if it still costs me money to make it?
Question…do you think elite Jewish assassin’s wife is decreasing prices left and right?
To your credit you did…but your solutions miss one big thing…that those catastrophic events happen due to IGNORING THE SMALLER SHIT for years…which is what you are eliminating.
This is human nature we are talking about…people will now wait until the problem gets out of hand and then the doctor will have to cash out big time to cover his overhead.
You keep ignoring that docs don’t become docs to be poor. That’s just reality.
To your credit you did…but your solutions miss one big thing…that those catastrophic events happen due to IGNORING THE SMALLER SHIT for years…which is what you are eliminating.
This is human nature we are talking about…people will now wait until the problem gets out of hand and then the doctor will have to cash out big time to cover his overhead.
You keep ignoring that docs don’t become docs to be poor. That’s just reality.[/quote]
Which is why I added the preventative insurance option.
Uh, ya they would because like you said no one will pay $2,000 out of pocket. [/quote]
Ok…let me break this down for those not in this field…IT IS A $2,000 PROCEDURE because of the materials used and the education required and skill to do it. Me taking a hit there because someone can’t pay will only lead to me not being able to afford to do this procedure.
Your solution seems to involve what will no doubt push more docs out of the field…PAYING THEM LESS.
[quote]
There would be a true market value for med services just like everything else. Prices are inflated because right now there is a middle man (insurance companies) trying to make money too. Eliminating the middle man will lower cost.[/quote]
Actually, the prices are set regardless of insurance. Insurance acts as CO PAY in most cases.
Why would the price be lowered if it still costs me money to make it?
Question…do you think elite Jewish assassin’s wife is decreasing prices left and right?[/quote]
No I do not want those in the medical field to make less money. They have certainly earned it. However, the fact that insurance companies exist, to make a profit no less, means prices must be inflated. How else would they make money?
You charge $2,000, I pay $5,000 in premiums a year. Fine, charge $2,000, eliminate insuance companies, and I still make out by saving $3,000.
Insurance fo catstrophic events only. All other services A la carte.
[/quote]
This sounds like just talk.
I just did a procedure that charged out would have cost this patient who just lost her job over $2,000.
How would all of these people without the income pay for these procedures at all?
So your solution is most of the country dies off or loses their teeth?[/quote]
There is always dentures…
That is a joke, but if you do not have insurance then how much could you save every month. To me Dental Insurance is basically a prepayment savings plan. If you add up all of the premiums you can pay for 2 annual exams and cleanings, and $100-$250 a year to pay for the big ticket items. Most people do not buy Dental Insurance until they need the big ticket items paid for. They still have to pay 20-40% out of pocket.
You think doctors will all come down on prices of procedures because you pay out of pocket?
[/quote]
I know they will because I have experienced it firsthand. Lately.[/quote]
I have to admit my doctor has told me if I pay in cash I will get a better rate.
My dentist I pay in cash and she charges me 25% less than what she charges insurance companies. She makes more money and I pay less overall than insurance premiums by almost $500 a year.
You think doctors will all come down on prices of procedures because you pay out of pocket?
[/quote]
I know they will because I have experienced it firsthand. Lately.[/quote]
I have to admit my doctor has told me if I pay in cash I will get a better rate.
My dentist I pay in cash and she charges me 25% less than what she charges insurance companies. She makes more money and I pay less overall than insurance premiums by almost $500 a year.
[/quote]
My optometrist and my dentist both give discounts if you don’t have insurance.