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Consider this:

If the health insurance industry really had your best interests at heart why wouldn't they be fighting for you to pay a premium which really reflected the TRUE cost and risk of the TRUE cost of YOUR PERSONAL MEDICAL SERVICES instead of promoting and selling policies which entail premiums that, in part, cover the cost of uninsured and underinsured????

Hint: A corporations single purpose is to maximize it's shareholders value and return on investment.

Answer: Health insurance and the "agency" sale of such is immoral. Via the medical cartel, it passes along the cost of medical care for the uninsured and indigent to it's "clients" that it supposedly represents and even charges a percentage on it (profiteering on indigent medical care). If the Health Insurance industry failed to be complicit in this arrangement, the hospitals would surely HAVE TO refuse to treat EVERYONE. The ensuing outrage would cause government to have to step in and pay for it. Any governement involvement is perceived as BAD for business because Government would then likely, eventually and finally KILL the golden goose...the health insurance racket.

In conclusion, health insurance has really become privatized socialized medicine. My health insurance premiums contain a tax which covers the cost of medical care for the uninsured. This is, in essence, taxation and worse yet, it's taxation without representation. It's immoral and UN-American. Surely, a single payor system will have problems but, at least, I'll be voting for the people in charge AND nobody will be left in the cold if and when they actually NEED medical services.

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In opening this discussion I will request that people review this interesting article I found:


What is this single payor health insurance????

Mr. Wondering


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I'm certain that this thread will likely get the argument about the failures and inconviences of the Canadian version of the Single payer universal medical coverage so I thought I'd post something I found on a blog.

It is posted by a "Fergus" whom it appears is a nurse in the Canadian system that used to work in the American system:

This is here comment on what Socialize medicine means to her:

Quote
It depends on how you define "socialized" medicine. The system here is government funded, but not directly government run. Those are very different things. You should also know there are several parts of the Canadian system that are privatized (including surgical centers, MRIs, etc).

As far as our system, go to any thread on universal health care and you'll get an email. I would not trade our system for an American style system, and over 90% of Canadians agree with me. The system here has problems with wait times, improper use of resources and drug approval times in particular, but so does the US. I like the system here. I never have to worry about going broke if I happen to get sick, I can pick my own doctor (despite what people think), I can seek treatment anywhere in the country without worry and I have never been refused treatment or had to wait a long time for anything. My dad even had knee surgery the year before last and only had to wait about 6 weeks. Considering the fact that it was completely elective and that they supposedly have the longest waiting time for ortho surgeries and I don't think that's bad at all...


Then she posted this longer piece thereafter:

Quote
Universal systems in some countries are government run, in others they are simply government funded and monitored. In Canada, the provincial governments divide their provinces up into health authorities which are managed by docs and beaurocrats, same as in the US. The provincial government decides how to fund each area according to need, but it isn't the government micromanaging. There are universal systems, like in the UK I believe, which have both public facilities and private facilities. Standards are still monitored by the government (like they are in the US), but there are private facilities for people who have the supplemental insurance, which compete with public ones in a way.

As far as ingenuity... Canada has a long history of that (as do many other countries)! Where do you think scientists discovered insulin and changed the lives of millions of diabetics? My hospital raises litterally hundreds of millions of dollars for research (I think it was 170 million over three years of fundraising). Drug and technology companies still have a motive to develop new products because we still purchase the drugs and technologies we use (our unit is looking at buying over 60 $40 000 isolettes for the NICU). Drug companies' patents here still allow them to make a handsome profit.

As far as pay scales.... Doctors and nurses in universal systems are not paid less than bus drivers. This is another common misconception in the US. Nurses in some parts of the US make more than in Canada and in other parts make less. Average doctor salaries in Canada are lower than in the US, but that's because we have fewer specialists and more GPs, and GPs always make less money. Specialists here are compensated less outright, but the fact that their overhead is so much less means that a lot of docs actually do just as well or better here. Malpractice insurance is MUCH less, we have a single payer system so there is less paperwork to spend on and doctors and hospitals here never have to worry about getting stiffed by patients who can't pay. I know a lot of Americans are scared of the term universal because they think it means they will have to pay for the people who can't, but really, you do now anyways. The costs for you to get medical care are so expensive partly because it has to absord the cost of non-payors who declare bankruptcy.

As far as lawsuits... there seem to be a lot less here, and I don't know why. Doctors and nurses still have their own malpractice insurance (mine is covered by the hospital and the union, like it was when I worked in the US).

As far as elective surgeries: they are just that. A mastectomy is classified as urgent, not elective. We have elective, urgent and emergency. An urgent surgery is one that will cause health problems if not treated fairly quickly, like a mastectomy. An emergency is obviously one that would cause injury or death if not treated immediately. That's why people aren't questionning that aspect. Again, studies have shown that people may wait longer here for certain procedures, but it doesn't have a negative effect on their long term health. And for all the talk about waitlists, I have never known anyone who has had trouble getting treatment when it was needed. Are there horror stories about indivdual cases where things have gone wrong in Canada? Of course, just like in the US. But you have to look at the big picture. Is it the norm? No. There has even been research showing that women in Canada from low socioeconomic groups do better when they get ovarian cancer compared to women in the US and the reason was access to care. I would rather have to wait a week or two as opposed to not getting a surgery I needed cause I didn't have the money. I promise I will find the name of the book that references all the studies you seem interested in.

As far as patient choice, trust me, it is MUCH more limited in the US unless you have signifigantly more money that I did. Having lived and worked in both countries, I know that Americans think Canadians have no control over their care or who they choose as a care provider, but that just isn't true. I think it's because Americans think the government manages healthcare, when in reality they fund and monitor it, but the system is run by the people who work in it (administrators, doctors, etc). I chose my doctor and when he wants me to get certain tests, I get them done. When I have had health issues, we have discussed the options and then made a decision together. The government does not determine my care, my doctor and I do. When I lived in the US, I had to have a doctor that was a part of the HMO list, and it was a struggle to get the HMO to approve things the doctor wanted done. I wound up paying out of pocket more than once. And the most ridiculous part was, I was only covered in a certain geographical area! If I went on vacation to Florida, I wasn't covered at all!

OK, I am getting long winded, but I'll keep going.....

Patient ratios in the US and Canada are similar, but I generally get a better deal in Canada which could be because I work in larger urban settings. In L&D it was rare for me to get 2 women in active labor, something that was routine when I was in washinton. In the NICU I look after 2 or 3 babies (only look after 3 if none are vented). Med surg in my hospital only uses RNs and they have 4-5 patients on days. I have worked with LPNs on med surg and generally the RN-LPN team would have 8 or 9 patients, though I have seen up to 12 in one hospital. Just like in the US, it does vary between hospitals depending on their size (a hospital in NYC may have more resources than one out in the boonies). I do not have to float, ever. I get an hourly wage and am paid OT (time and a half) for anything extra as are all nurses (we get a pretty good benefit package as well). We have no mandatory OT like some places in the US because it is against our labor laws. Wage scales vary by province. In Ontario, a new grad starts around $23 an hour + shift diffs (so figure $18 American). The top of the payscale for staff nurses is reached at 9 years and is about 32-34+ diffs (though agency nurses make much more). In BC the range is from 25-33 or something. Each province has a nursing union which negotiates wages. If you go to a provincial union website you will get links to the payscale. In ontario, it's the ontario nurses association. In BC it is the British Columbia Nurses' Union (www.bcnu.org I think). You'll have to google a bit It's hard to give a real comparison because cost of living is a big factor and Canada is a BIG country. Nurses in San Fransisco will make a large hourly wage, but it's so expensive that a nurse in Arkansas making a much lower wage may live better.

As far as people all paying for health choices of others.... This is actually a good thing. It means that EVERYONE has to pay into the healthcare system through their taxes. In the US, you do it indirectly (that article was American right?). Someone can go without insurance, then show up with an MI and the hospital has to treat him, even though he will never pay for any of it. Then those of us who do carry insurance wonder why it is so expensive! It's cause we have to pay for that MI guy's care one way or another!

In Canada, people who make bad lifestyle choices are not free to avoid contributing to their healthcare. The other thing is, insurance companies in the US can refuse to cover people with certain conditions, so even if they want to pay for insurance, they can't. The best way to run a system is to have low and high risk people in your pool. One of the reasons the medicaid system is so shabby is because it only takes the high risk, no paying people. We pay more in taxes in Canada, but I actually take home about the same percentage of my pay here, because in Washington I had to pay for my insurance.

I think it's a little ironic you would say that people are brainwashed into thinking that universal healthcare is good. It has been my experience that people in the US are brainwashed into thinking it's bad, based on misconceptions. Canada's system may be completely wrong for the US, but there are a lot of universal systems to look at for ideas. The Canadian system certainly is far from perfect, and we can also look to other countries for inspiration.

The link to this post - Socialized Medicine Pro's and Con's

Mr. Wondering


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Not much to comment - I dont see anything off in the posts. I have lived in Canada and US - citizen of both.

will say that there are controls for illegal residents in Canada whether from US or elsewhere to tap into the system. If you dont have a card - no services.

My experience here in Texas was odd - son had to get 10 stitches from playing BBall at night. Went to local hospital emergency room and did not have to wait. The bill was for $2500 and still getting bills months afterwards. I would agree the amt of bill was directly related to the costs of those not paying. Or I hope so at least.

I had asked the billing clerk why the expense was so high - she smiled and said that I was the first one paying tonight. Felt like a moron. I did reply that I should have received a steak dinner in the waiting room

In short - we provide a single payer system for some citizens and non citizens currently. Medicare is one system and then there hospital district taxes that I pay here.

I happen to agree that this current US system is dysfunctional - way too much waste and lack of portability straps ppl to jobs and does not allow risking job moves.

I am hoping now that the election is over that the new admin will look into bringing the AMA, and other experts to the table and come up with solutions to the problems. The Employer payor system is outmoded and not flexible to the dynamics our economy.

Just to add - this discussion has been long over due - the costs have been out running the average living wage at an increasing and alarming rate. My son's stitches cost more than a paycheck. something has to give.

Last edited by rwinger; 11/07/08 03:41 PM. Reason: at work random thoughts

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Originally Posted by MrWondering
Answer: Health insurance and the "agency" sale of such is immoral. Via the medical cartel, it passes along the cost of medical care for the uninsured and indigent to it's "clients" that it supposedly represents and even charges a percentage on it (profiteering on indigent medical care). If the Health Insurance industry failed to be complicit in this arrangement, the hospitals would surely HAVE TO refuse to treat EVERYONE. The ensuing outrage would cause government to have to step in and pay for it. Any governement involvement is perceived as BAD for business because Government would then likely, eventually and finally KILL the golden goose...the health insurance racket.

In conclusion, health insurance has really become privatized socialized medicine. My health insurance premiums contain a tax which covers the cost of medical care for the uninsured. This is, in essence, taxation and worse yet, it's taxation without representation. It's immoral and UN-American. Surely, a single payor system will have problems but, at least, I'll be voting for the people in charge AND nobody will be left in the cold if and when they actually NEED medical services.

Mr. Wondering

Mr. Wandering,
I would not go quite as far as you and 'blame' only the insurance companies. It is the whole system, medicare and medicaid included. Problem starts with hospitals being unable to refuse anyone treatment. If you have to treat everyone, someone has to pay. So hospitals charge 50,000 for a heart attack that really costs 25,000 b/c 50% of people fail to pay. Insurance says, well it only costs you 25,000 so we will only pay 37,500 (meet u in the middle). So hospital raises price again and insurance raises premiums again. The real 'bad' person here is the ones that go to the emergency room for colds and are uninsured. but they never get any blame b/c they are poor and we should not look down on them. well, B$. I say this is a free country. If you cannot afford to go to the hospital, you should not get to go. You should have to go to a free clinic and not burden those who can pay. I wish the insurance companies would just close their doors and stop insuring everyone. Eventually, hospitals would require income verification to save you when you had a heart attack to make sure you could pay. Sound cruel, sounds crude. But think about it. The most productive members of society (those who worked and saved) would live longer and those who were not would die off. I guarantee people would save money sitting around in case of emergency b/c their life would depend on it.


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If you cannot afford to go to the hospital, you should not get to go. You should have to go to a free clinic and not burden those who can pay. I wish the insurance companies would just close their doors and stop insuring everyone. Eventually, hospitals would require income verification to save you when you had a heart attack to make sure you could pay. Sound cruel, sounds crude. But think about it. The most productive members of society (those who worked and saved) would live longer and those who were not would die off. I guarantee people would save money sitting around in case of emergency b/c their life would depend on it.

faint

Be careful making statements like this. They tend to come back and bite you in the a$$.

Anyway, so under your theory, the executive who's company just went bankrupt, who lost of all of his $$ in a stock crash, who loses his home to foreclosure, who has his car repo'd and who has been a "productive" member of society all his life, but finds himself suddenly desolate through no fault of his own should be allowed to "die off" because he's no longer a "productive member of society".

So under your theory the young child who's parents are poor through their own choices, who develops a deadly heart disease, should not receive treatment because his parents are not "productive members of society"? Who knows what this child could become.

I could go on and on.




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PM...I agree.

It's where the utopia of capitalism, as it relates to medical services...meets reality.

Who would want to live in a country where MONEY, alone, determines your access to urgent medical care. Would you seriously be able to walk into an emergency room full of people and demand to be put at the front of the line because you have more money than everyone there??? Who would do that....but, yet, that's what we ARE doing within our current system.

Here is something interesting I found written by a Canadian when googling the following:

Healthcare is NOT a commodity.

Quote
Public care is the only way to go. This is because health care is not a commodity.

Here's why.

One: Need, Not Choice
Patients are in a position of need, not choice. Their survival can be dependent upon regular visits to a clinic or to a doctor. Unlike other products in the marketplace, if you need medical services to make you well or function normally you can't shop around for the best deal, nor can you compare makes and models, nor withdraw your consumer choice because the product is over-priced with the hope that if enough patients do the same the price will drop as supply exceeds demand. If you need medical care, you need it now. You've got to pay the price, whatever it is. Patients are at the mercy of the provider and they are unable to influence the competition and costs of services as in a free-market model. In fact, the reverse is more likely: the market manipulates patients to pay whatever cost is set by a private provider.

Two: Insufficient Information
Patients do not have the information necessary to make an informed consumer choice. Imagine Consumer Reports on dialysis units or magnetic resonance imaging devices (MRIs). Only specialists have the knowledge required to make such choices and patients are dependent upon their expertise for a referral. Patients trust that their doctor will make the best choices for treatment on their behalf. It's wrong to burden sick people with these decisions and unreasonable to expect them to do the research necessary to be informed about illnesses and their treatments. How many senior citizens even use the Internet?

Three: Profit Motive Inappropriate
Patients trust their health-care providers. The profit motive is inappropriate for health-care providers because it can interfere with the quality of care within a relationship of trust. Patients assume this relationship is based on the doctor's commitment to health, not to profit. The profit motive could encourage a practitioner to make unwise decisions like prescribing more drugs and recommending costly surgery since these represent opportunities to increase profits. Health-care providers motivated by profits may be tempted to select patients who require these interventions. But we expect our health-care workers to want to help us because they're interested in our well-being, not because we pay them to take care of us or because we pay more than someone else who will receive inferior care as a result.

Four: Maintaining Standards
Patients depend on the public regulation of standards in care. Like other concessions to companies in the private sector, private firms delivering health-care services may win exemptions from standards in technology, safety and licensing of technicians. How would quality be regulated? How could consumers as patients have an influence upon standards, given their circumstances? Given the narrow margin for error, a patient would be too sick to register an official complaint if something goes wrong during a procedure. Their family could do so on their behalf, but in terrible circumstances.

Five: Lower Cost
Private health care can't compete with the lower costs of public health care. In the U. S., where a private health-care system parallels a public one, health care takes up 14 per cent of the GDP, highest in the world. Canada spends about 9.5 per cent of its GDP on health care, less than Germany, France and other European countries respected for their vibrant social programs. Why is private health care more expensive? Like any other profit-making venture, private health care must create a 10-to-15 per cent return for shareholders. It also must cover costs that are non-existent in public organizations like marketing, advertising, taxes, compensation packages for senior executives and higher administrative costs. In March, 2000, the Toronto Star reported that the Australian government has to subsidize its private hospitals by $2.2 billion in operating costs. These hospitals are not a viable business without this assistance. Many studies show private health care is more costly than a fully public system. A 1999 article in New England Journal of Medicine states that No peer-reviewed study has found that for-profit hospitals are less expensive.

Six: Superior Quality
Private health care can't compete with the superior quality of public health care. Public health care saves lives. The Canadian Medical Association Journal just published a report on 15 studies on for-profit and not-for-profit U. S. hospitals. They found that patients treated in for-profit centres were 2 per cent more likely to die. While this may sound like a small number, given that the sample was 38 million patients between 1982 and 1995, this means that 760,000 people died in private facilities who might have lived had they been treated in public hospitals. More funds are diverted away from patient care toward other expenditures like marketing and executive salaries. The profit motive obscures the priority of saving lives.

Source = Health Care not a commodity


*sidenote - If you go to the link the author also discusses how the "Alberta, Cananda Model" which entails a Public part and a Private part actually violates the NAFTA treaty and how Public firms are attempting to destroy the public part of medicine in Alberta because it represents subsidized healthcare violative of the NAFTA accord. This means that the US MAY have to choose between fully public (EVERYONE IN) or not...half way may not work.

Last edited by MrWondering; 11/07/08 05:30 PM.

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"If you cannot afford to go to the hospital, you should not get to go. You should have to go to a free clinic and not burden those who can pay. I wish the insurance companies would just close their doors and stop insuring everyone. Eventually, hospitals would require income verification to save you when you had a heart attack to make sure you could pay. Sound cruel, sounds crude. But think about it. The most productive members of society (those who worked and saved) would live longer and those who were not would die off."

My God!!!! You CAN'T be serious. I am praying this is tongue-in-cheek because it is one of the cruelest things I have ever read.

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Originally Posted by Wknghrd2LoveEasy
"If you cannot afford to go to the hospital, you should not get to go. You should have to go to a free clinic and not burden those who can pay. I wish the insurance companies would just close their doors and stop insuring everyone. Eventually, hospitals would require income verification to save you when you had a heart attack to make sure you could pay. Sound cruel, sounds crude. But think about it. The most productive members of society (those who worked and saved) would live longer and those who were not would die off."

My God!!!! You CAN'T be serious. I am praying this is tongue-in-cheek because it is one of the cruelest things I have ever read.

WH2LE

I call Poe's law. Or whatever variant thereof applies to health care.

When I first saw the title of this thread, I thought it said "Single Prayer Health System".

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Originally Posted by HURTandSHOCKED
If you cannot afford to go to the hospital, you should not get to go. You should have to go to a free clinic and not burden those who can pay. I wish the insurance companies would just close their doors and stop insuring everyone. Eventually, hospitals would require income verification to save you when you had a heart attack to make sure you could pay. Sound cruel, sounds crude. But think about it. The most productive members of society (those who worked and saved) would live longer and those who were not would die off. I guarantee people would save money sitting around in case of emergency b/c their life would depend on it.
I certainly hope you or any of your loved ones never become indigent through no fault of their own. Because it DOES happen to the best of us, regardless of our many years of employment, how much we saved or how financially responsible one has been.

Just how are you gonna feel about this great idea of yours when it's YOUR loved one (or YOU for that matter) that's turned away, suffers horribly and dies in some alley or underpass alone and desperate.

I wonder.

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Originally Posted by HURTandSHOCKED
hospitals would require income verification to save you when you had a heart attack to make sure you could pay. Sound cruel, sounds crude. But think about it. The most productive members of society (those who worked and saved) would live longer and those who were not would die off.

For a minute I thought this may be an MB version of Swift's "A Modest Proposal", but I am afraid it's not.

So, to follow this logic, why not have police or fire fighters respond only to those who can pay for their services? No credit card, your house can burn to the ground. No income, fight the intruder on your own. Makes sense to me.

Oddly, as was pointed out, this is a somewhat comical example of what happens in the "pure capitalism" system that some posters here seem to favor. Boy, wouldn't this be a lovely world - you gots cash, you are fine; you don't, you can drop dead for all the rest of us care.

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Imagine having a health care auction

Highest bid wins

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Originally Posted by HURTandSHOCKED
If you cannot afford to go to the hospital, you should not get to go. You should have to go to a free clinic and not burden those who can pay. I wish the insurance companies would just close their doors and stop insuring everyone. Eventually, hospitals would require income verification to save you when you had a heart attack to make sure you could pay. Sound cruel, sounds crude. But think about it. The most productive members of society (those who worked and saved) would live longer and those who were not would die off. I guarantee people would save money sitting around in case of emergency b/c their life would depend on it.
So HURTandSHOCKED:

I wonder what would happen if we all felt as you do and believed and supported the "Survival of the Fittest" and "Everyone Only Looking Out for Ones Self" mindset.

For example, people here on MB. The vets and longtimers etc., we're here because AS HUMANS we care. Our human-ness, unlike animals, compells us to want to help and support our fellow hurting human beings. Instead of turning our backs and allowing YOU to struggle thru infidelity all on your own.

Otherwise, using your "survival of the fittest" mindset, infidelity without support would look something like this:

"Sound cruel, sounds crude. But think about it. The emotionally stronger members of society (those who became bitter, cold and unfeeling) would live longer and those who were not would die off."

Sound familiar?

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This is a short, but interesting opinion blog posted by a doctor:

Repairing the Healthcare system

[edited to add: oops, my bad, I think some of this Doctor's blog that I quoted below actually is material from this article ---> THE HEALTH INSURANCE MAFIA ]

The whole short article is good at really explaining how, as he sees it, health insurance is very mafia-like.

Quote
“The health insurance model is closest to the parasitic relationship imposed by the Mafia and the like. Insurance companies provide nothing other than an ambiguous, shifty notion of "protection."

I also kinda like the simple solution he presented. I'd like to see more, like what happens when this new insurance company gets big and greedy or is it, simply a non-profit association. It has elements of government funding...with a built-in motivation not to abuse the medical system.

Quote
The solution is for physicians and patients to abandon the traditional healthcare insurance grip.

Government (local,state or national) or employer associations (third party payers) set up their own healthcare insurance companies. They set rules in favor of the patient with the patient having control over their first six thousand dollars. The patient does not contribute the first 6,000 dollars. One of the third party payers contributes the insurance premium. Self employed people would contribute their own money with pre-tax dollars. If they could not afford the premium, they would be subsidized by the government. This is not an entitlement. This is pure insurance with motivation to save money.

I wonder how many politicians would be willing to past legislation to permit this to happen. It could easily be done on a state level. Consumer would then be able to control the system. We would be able to get rid of what Dr. Kellerman calls the Healthcare Insurance Mafia.

Mr. Wondering

Last edited by MrWondering; 11/08/08 05:43 PM. Reason: added link

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Originally Posted by Resilient
Originally Posted by HURTandSHOCKED
If you cannot afford to go to the hospital, you should not get to go. You should have to go to a free clinic and not burden those who can pay. I wish the insurance companies would just close their doors and stop insuring everyone. Eventually, hospitals would require income verification to save you when you had a heart attack to make sure you could pay. Sound cruel, sounds crude. But think about it. The most productive members of society (those who worked and saved) would live longer and those who were not would die off. I guarantee people would save money sitting around in case of emergency b/c their life would depend on it.
So HURTandSHOCKED:

I wonder what would happen if we all felt as you do and believed and supported the "Survival of the Fittest" and "Everyone Only Looking Out for Ones Self" mindset.

For example, people here on MB. The vets and longtimers etc., we're here because AS HUMANS we care. Our human-ness, unlike animals, compells us to want to help and support our fellow hurting human beings. Instead of turning our backs and allowing YOU to struggle thru infidelity all on your own.

Otherwise, using your "survival of the fittest" mindset, infidelity without support would look something like this:

"Sound cruel, sounds crude. But think about it. The emotionally stronger members of society (those who became bitter, cold and unfeeling) would live longer and those who were not would die off."

Sound familiar?


Here is a post/comment I located on some other website. I'm sure there are millions of stories just like this one but I wanted to provide the more typical problem American's are facing versus HURTandSHOCKED's vision of what's going on outside of his neighborhood:

Quote
Posted by: Pearl Chen | October 21, 2008 at 01:00 PM

After being covered contunously for more than 25 years by individual and the employer based ins. I was diagnosed with cancer. Made it through that but then 2 yaers later my husband gets high blood pressure . He makes the changes needed to bring it down but it still takes three drugs to keep it under control. We lost our insurance due to employment change 3 years ago. Since we had always been covered we checked 1st into a portibilty policy and for the polcy we had , it would run $2,000 a month. If we raised the deductible the premium to $10,000 a yr. if would have dropped to $1700 a month. The only policy we could get was a major medical with a $20,000 yr deductible and no drug coverage at all. Price was $850 but when you added back in the scripts we both need it came back up to $1400 a month.Not possible to pay on $50,000 a year! After checking with the company's underwritting staff, we applied for a new policy after being told since it had been 6 years that I had been cancer free we could be underwritten,. Not! They did as it states in this article. They turned my husband down due to two conditions, the high BP and heartburn he had f or a few weeks from one of the first drugs they tried him on, a sideaffect. They turned me down stating I too had two conditions, the cancer and back pain which I was treated for before my cancer diagnosis. The back pain had been an early symptom of the cancer and went away after the chemo and radiation. We are both in our mid 50's and are now praying that our health holds till we qualify for medicare. What is really sad is that insurance companies are also treating their own employees almost just as badly. Our yougest daughter works for Cigna in claims resolutions and her company policy is almost as bad as not having coverage at all!


There are plenty more stories to be found at LA TIMES BLOG - Comments Discuss the Health Insurance you face

Mr. Wondering


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"Who would want to live in a country where MONEY, alone, determines your access to urgent medical care"

Sad to tell you, Mr. W, but you are now living in that country. A person will get different levels of urgent care. Most will probably get enough to have their life saved. But if specialists are needed, like a neurosurgeon, if you have no insurance, one might not be available.

If a person is on medical (welfare insurance in Calif), and has a heart problem, one might not get a by-pass or angioplasty.

My mom is on Medicare - she is 83. She has a very agressive cancer, and the drug to slow it, and put her into a remission (for maybe a month, or 6 months) takes 6 treatments at $22,000. a treatment. And that is an IV done in 4 hours in an outpatient clinic.

Before that, she was hospitalized for a week for chemo. The bill to Medicare was $80,000.

So now she has racked up $212,000., plus all of her weekly doctor visits and tests. And the sad part is that her disease will come back and kill her within six or eight months.

My mom is, how would you say it, socially responsible. At first she refused the treatment, saying it was too costly for someone her age whose cancer would come back anyway. But my sis and I talked her into the treatment.

And I think most people would do the same when it came to their parents. But the fact is, our country can't afford to spend 80% of Medicare money in the last 6 months of someones life.

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Mr. W. - Since I can't figure out which of the two threads you want to have this healthcare discussion on, I am going to post the information from the other thread here. Perhaps this might be a better place for the discussion considering the Thread Topic as listed.



http://www.heritage.org/Research/HealthCare/bg2197.cfm

Government reinsurance would not only stifle existing efforts by insurers, employers, and individuals to seek out value, but also likely replace those efforts with more regulation.

Expanding Existing Government Programs
I will expand Medicaid and the federal State Children's Health Insurance Program (SCHIP) eligibility and ensure that they continue to serve their critical safety net function. Finally, I will encourage states to continue to innovate and experiment with different methods of coverage expansion, as long as they meet the minimum federal standards established for the national plan.[36]

Expanding Medicaid and SCHIP. These proposed expansions are nothing new. Given the dynamics of the status quo, including the steady decline of employer-based health insurance, public program expansions have been routine features of current policy.

Medicaid, the federal–state health program for the poor and indigent, is already a $350 billion program, and previous Medicaid expansions have unquestionably helped to "crowd out" private health insurance coverage for certain populations.[37] Nonetheless, during 2007–2008 alone, 36 states expanded Medicaid eligibility.[38] Contrary to the original intent of SCHIP to provide health coverage for poor children in working families ineligible for Medicaid, states have also steadily expanded SCHIP eligibility, reaching well into the middle class, with periodic bailouts from Congress.[39]

Compared to private coverage, these programs are conspicuously lacking in quality care, particularly in giving patients access to physicians for appropriate care at the appropriate time. Researchers at the Center for Health System Change found that 21 percent of physicians were not accepting any new Medicaid patients between 2004 and 2005.[40] Research also shows that Medicaid and SCHIP patients were more likely than the uninsured and private health plan enrollees to go to emergency rooms for non-emergency needs.[41]

Compounding the Entitlement Crisis. Meanwhile, America faces an entitlement crisis. Spending on Medicare, Medicaid, and Social Security is projected to rise rapidly, pushing up primary federal spending (excluding interest payments on the national debt) from 18.2 percent of gross domestic product in 2007 to 28.3 percent of GDP in 2050.

According to the Congressional Budget Office (CBO), financing entitlement spending will require massive tax increases, including doubling individual and marginal tax rates in every bracket and doubling corporate tax rates.[42]

Expanding Medicaid and SCHIP would only deepen the entitlement crisis. Both programs are fiscally challenged and promise more than they deliver, undermining access and quality for those on these programs today. For example, it was projected that Medicaid and SCHIP, combined federal and state spending, would cost $717 billion by 2017.[43]

For states, the Medicaid and SCHIP crisis is apparent. Medicaid is already the largest item in state budgets, accounting for 22 percent of total state fiscal expenditures in 2006.[44] Senator Obama's unspecified expansions of these public programs would accelerate this process and significantly affect the remaining health care economy.

A Step Toward a Federal Takeover? Perhaps of greater concern, these expansions could serve as first steps in a more ambitious federal takeover of American health care. Although these expansions appear incremental and thus less radical, they could be highly consequential. Simply expanding eligibility for children up to 400 percent of the federal poverty level ($84,800 for a family of four) would qualify more than 70 percent of American children for a government health care program.[45]

Inhibiting State Flexibility. The Obama proposal would severely restrict state variation and experimentation by requiring state innovations to meet the specific minimum standards of the proposed new government health plan.

This highly prescriptive approach would be a major step backward. One of the most promising developments during the past three years has been the willingness of state governors and legislators to experiment with different methods to expand their citizens' health care coverage. Not surprisingly, state legislatures have produced a flurry of state health reform legislation. However, confining state reform efforts to a narrow, single federal standard would effectively end any serious experimentation and discourage any outside-the-box innovation.

In this sense, the Obama health care plan would follow a path opposite from that of the successful welfare reform of the 1990s, which gave state officials broad goals and a high degree of flexibility in designing approaches to encourage work and reduce welfare dependence. There is serious bipartisan interest in replicating this success in health care policy.[46] State flexibility is not only desirable, but also necessary because the provision of health care varies widely across the states, reflecting differences in demographics, political culture, and insurance markets. Of course, this flexibility would be undesirable only if the real goal of the process is to centralize health care decision-making in Washington, D.C.


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This is a brief exerpt from a very good discussion of Pros and Cons of the healthcare issue. I strongly suggest taking the time to read the entire article.



http://www.cwru.edu/med/epidbio/mphp439/National_Health_Care.htm


National Health Care in the United States: Exploring the Options and Possibilities
by Peter Lawson


INTRODUCTION

This chapter is an exploration of some of the suggestions and debates that have surrounded the issue of national health care in the United States over the past few decades. In particular, this chapter will be an attempt to clarify some of the most common positions (both pro and con) surrounding the potential for a national health care system in the United States. Every effort will be made to present data from an objective point of view in order to allow readers to evaluate the strength of the arguments made. In the interest of concision and brevity this chapter will divide this complex issue into two distinct domains of discussion: moral, ethical and philosophical positions, and economic challenges. While this chapter will attempt to synthesize and summarize a variety of positions and opinions in regard to the issue of a national health care system, it should not be considered an exhaustive exploration of all the potential arguments regarding this issue. With this in mind, a number of interesting and potentially illuminating references will be provided at the end of this chapter, which could guide a reader in further research.

According to US Census data for 2001, the number of Americans without any form of health insurance was 41.2 million or 14.2% of the population. This number rose by 1.4 million from the previous year. Alarmingly, nearly 11.2% of children (8.5 million) under the age of 18 were without health coverage in the United States. While these data in their aggregate form seem to point to something of a crisis in health insurance coverage for millions of Americans, a closer look at some seemingly paradoxical demographics of the uninsured adds another layer to the picture. For example, consider the following excerpt from a US Census Bureau report on health insurance in 2001.
Among the entire population 18 to 64 years old, workers (both full- and part-time) were more likely to have health insurance (83.0 percent) than nonworkers (75.3 percent), but among the poor, workers were less likely to be covered (51.3 percent) than nonworkers (63.2 percent).1

As poor workers become ineligible for governmental insurance programs (such as medicaid) due to income limitations, they are still likely to be working in jobs that do not provide insurance benefits. This same document reports that, among the poor, the overall rate of those without health insurance was 30.7 percent, more than double the rate for the population as a whole.2 The uninsured face numerous threats to their health and are at increased risk for mortality and morbidity (for a more detailed examination of the issues surrounding the uninsured, see Eagan and Olds this volume).

Few would argue that these rates of persons without health insurance are acceptable. However, a sometimes acrimonious debate has surrounded this issue and its potential solutions. One such heavily debated suggestion to deal with the nations uninsured and underinsured has been some form of a national health care system. But before beginning a discussion of some of the various proposals that have been made and the arguments that surround them, it may be useful to examine a number of key ethical, moral and philosophical positions which underlie these arguments.



ETHICAL, MORAL AND PHILOSOPHICAL GROUNDS OF THE DISCUSSION

Though the discussion surrounding a national health care system in the United States can quickly turn into one that is dominated by political and economic considerations of feasibility and implementation, the issue itself is grounded in a set of ethical, moral and philosophical considerations. Various experts and pundits have weighed in on the debate surrounding calls for a national health care system precisely because this issue forces one to consider some of the most intrinsically difficult questions within the political and economic philosophy of the United States: the role of the state in private life, the appropriate position of the government vis a vis the market, and rights of individuals within a capitalist marketplace. Though the scope of these complex issues is certainly beyond the capacity of this chapter, some of the broad strokes of these issues may be useful for the development of the discussion at hand.

A recent meeting of the International Labour Organization (ILO) in Geneva, Switzerland produced a resolution in which health care was deemed a basic human right.3 This resolution represents a recent incarnation of decades of international recognition of the key role of health within a conception of basic human rights. Article 25 of the United Nations Universal Declaration on Human Rights, drafted in 1948, states:
Everyone has the right to a standard of living adequate for the health and well-being of himself and of his family, including food, clothing, housing and medical care and necessary social services, and the right to security in the event of unemployment, sickness, disability, widowhood, old age or other lack of livelihood in circumstances beyond his control.4

One of the strongest statements of health as a basic human right was generated at the International Conference on Primary Health Care in Alma Ata, USSR in 1978. Article I of the Declaration states in part “The Conference strongly reaffirms that health, which is a state of complete physical, mental and social well-being, and not merely the absence of disease or infirmity, is a fundamental human right…”5 Here the definition of health stretches into what some might consider utopian territory; however, the essential statement that health itself is basic human right echoes that of the UN’s Universal Declaration on Human Rights. Numerous national and international organizations have declared health and access to health care to be basic human rights. For example in 1998, “Dr Gro Harlem Brundtland, Director-General of the World Health Organization, called on the international community to enshrine health as a basic human right.”6 While the conception of health and access to health care as a basic human right may beg the question of the responsibility of the state to provide protections for such rights, suffice to say, that within these broad international agreements, it is assumed that the state functions, in part, to ensure and maintain the rights of its citizens.

Yet notions of health and health care as basic human rights are by no means monolithic or unchallenged within the discourse of health care provision. An alternative vision of health care as a commodity is also articulated and merits our attention. Various policy advocacy groups and think tanks have offered a view of health care as a service most efficiently and effectively provided through a free market. For example, Sally Pipes of the Pacific Research Institute (PRI) advocates for free market solutions to solving the dilemmas of health care in the United States. From a neoclassical, liberal economic position, governmental regulation or intervention in the market is something to be avoided. From the libertarian perspective advocated by organizations like PRI, governmental interventions “create dependency on the state, and allow the government to have excessive influence and control over people’s lives.”7 In a commentary published in The Washington Times, Michael Hurd succinctly argues


Health care is not a right -- no matter how often you hear otherwise. Health care is the consequence of heroic efforts on the part of individual doctors, who have every right to charge what the market permits. If we take away the right of medical professionals to set their own fees, we will undermine their independence and chase the best ones into early retirement.8


Here the rights to which Hurd refers are based on specific liberal conceptions of the free market and the rights of individuals to participate in that market. In Hurd’s argument, rights are intrinsically tied to the rationale of the economic exchange taking place, and not a notion of basic human rights (as described above).

Hurd’s economic argument leads us to a series of economic questions that are better addressed through the lens of a specific proposal for a national health: How much would such a specific national health initiative cost? In what sectors of the economy would potential burdens be born? What other economic impacts (both positive and negative) might arise from the implementation of a national health care system? In order to address these issues, we will now turn our attention to one suggested form of national health care (the so-called single payer system) while bearing in mind that a number of other national health plans have been suggested with widely different mechanisms and potential economic effects.



DEBATING THE ECONOMICS: THE CASE OF THE SINGLE-PAYER SYSTEM

Cost is inarguably one of the central features in any discussion of the existing health care delivery system in the United States or any potential replacement or reform of the existing system. The United States spent $1.4 trillion on health care in 2001, or 14.1 percent of its Gross Domestic Product (GDP). According to one recently published study, this figure is expected to grow to $3.1 trillion by 2012, an amount which would constitute 17.7 percent of the GDP.9 Critics of the current health care delivery system note that many other industrialized nations spend considerably less on health as a percentage of GDP while maintaining health care services for all citizens; none spends more as a percentage of its GDP. In 2000 for example, Canada spent only 9.1 percent of its GDP on a national health care delivery system which provides health care for all Canadians.10 Let’s consider some of the discussion surrounding the economics of a national health care system for the United States, focusing on the proposal for a single-payer system.

While numerous ideas have been suggested to reform the US health care delivery system, one of the most cogently argued cases for a single-payer health care system in the United States was published in 1989 by David Himmelstein and Steffe Woolhandler in the New England Journal of Medicine.11 As presented by the authors, a single-payer system would provide health care coverage for all Americans by setting federally mandated fees for services and paying these through a single source (i.e. the federal government). Because many of the current health care dilemmas faced by patients and providers alike are focused around economic issues, it is not surprising that Himmelstein and Woolhandler make economic considerations central to their argument. Himmelstein and Woolhandler argue that “the public administration of insurance funds [through a single-payer system] would save tens of billions of dollars each year. The more than 1500 private health insurers in the United States now consume about 8 percent of revenues for overhead.”12 Under the single payer system proposed by Himmelstein and Woolhandler, federal regulation would control costs by eliminating redundant administrative bureaucracy and profit from the system. The authors argue that despite the need to levy taxes in order to support the system, the long-term benefits would balance initial costs, since the current high cost of health care is already borne by citizens, employers, and the government (through programs like Medicaid and Medicare).

Critics of a single-payer system argue that “the evidence demonstrates without doubt that socialized medicine is inefficient and more expensive than the free-market alternative.”13 Citing the tax burden of the National Health Service in the UK, Conrad Meier argues


England’s single-payer health care plan has turned into a tax burden far worse than what we’ve experienced to date in this country. The burgeoning costs—in the form of high income taxes, insurance taxes, premiums, lower wages, reduced productivity and job opportunities, plus extra fees and hidden taxation—have become a stranglehold on middle- and low-income consumers.14


While it should be noted that the UK system is not, in fact, a single-payer system (in the UK the government controls and regulates all aspects of health care, under a single-payer system the government would provide remuneration and set fees), the sort of argument Meier mobilizes forms the bulk of economic arguments against the implementation of a single payer system in the United States.

There is nothing approaching consensus concerning the economics of a single-payer systems. Proponents argue that additional cost incurred in the provision of health care for all citizens would recouped through increased efficiency and the elimination of for-profit insurance coverage. Opponents of a single-payer system argue that such a system would increase inefficiency and costs by placing the burden of a massive centralized bureaucracy in the hands of the federal government. Interestingly, economic arguments opposing a single-payer system often blend economics with ethics and morality. As Meier suggests


The propaganda produced in support of single-payer health care ignores the truth and is designed to motivate people through the use of scare tactics; distorted and often fabricated information; and undocumented facts and figures on how much such a plan would cost in premiums, income taxes, lost state revenue, job dislocation, individual freedom, and human suffering.15


Certainly this criticism could be levied against Meier’s own analysis which notably contains no citations or references to empirical data. These data are strikingly absent, as is independent, non-partisan research and analysis on the subject, and more efforts toward this end will likely be necessary before a reasonable conclusion can be reached about the future of a national health care system in the United States.


Endnotes

1. http://www.census.gov/hhes/hlthins/hlthin00/hlt00asc.html
2. ibid
3. International Labour Organization. Resolution Concerning Health Care as a Basic Human Right. Joint Meeting on Social Dialogue in the Health Services: Institutions, Capacity and Effectiveness. October 2002. Geneva. http://www.ilo.org/public/english/dialogue/sector/techmeet/jmhs02/jmhs-res.pdf
4. United Nations Universal Declaration on Human Rights. 1948. http://www.un.org/Overview/rights.html
5. World Health Organization. Declaration of the Alma Ata Conference. http://www.who.int/hpr/archive/docs/almaata.html
6. www.who.int/inf-pr-1998/en/pr98-93.html
7. http://www.pacificresearch.org/issues/social.html
8. Hurd, M. Rhetoric Notwithstanding, Health Care Is Not A Right. The Washington Times. April 6, 1993. http://www.drhurd.com/medialink/health-care-not-a-right.html
9. http://www.seniors.gov/articles/0203/health-costs.htm
10. http://www.2ontario.com/welcome/ooql_402.asp
11. Himmelstein, D., and Steffe Woolhandler. A National Health Program for the United States: A Physicians’ Proposal. The New England Journal of Medicine. January 12, 1989.
12. ibid
13. http://www.heartland.org/archives/health/may02/myturn.htm
14. ibid
15. ibid

Additional Reference Sources
Heritage Foundation. www.heritage.org
The Heartland Institute www.heartland.org
The Pacific Research Institute www.pacificresearch.org
Physicians for a National Health Plan. www.pnhp.org
The Universal Health Care Action Network www.uhcan.org


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Interesting...

The first article you posted amused me right off the bat when it indicated that physicians AND THE INSURERS were interested in finding "value" in the health care system.

I took one of the links from your 2nd article above to the website Physicians for National Healthcare.

They confirmed the number I had read earlier which was the Health Insurance industry tacks on over 30% to the cost of actual healthcare in this country... Didn't you say this was wrong??

Here's the whole article.

Quote
Single-Payer National Health Insurance

Single-payer national health insurance is a system in which a single public or quasi-public agency organizes health financing, but delivery of care remains largely private.

Currently, the U.S. health care system is outrageously expensive, yet inadequate. Despite spending more than twice as much as the rest of the industrialized nations ($7,129 per capita), the United States performs poorly in comparison on major health indicators such as life expectancy, infant mortality and immunization rates. Moreover, the other advanced nations provide comprehensive coverage to their entire populations, while the U.S. leaves 47 million completely uninsured and millions more inadequately covered.

The reason we spend more and get less than the rest of the world is because we have a patchwork system of for-profit payers. Private insurers necessarily waste health dollars on things that have nothing to do with care: overhead, underwriting, billing, sales and marketing departments as well as huge profits and exorbitant executive pay. Doctors and hospitals must maintain costly administrative staffs to deal with the bureaucracy. Combined, this needless administration consumes one-third (31 percent) of Americans’ health dollars.

Single-payer financing is the only way to recapture this wasted money. The potential savings on paperwork, more than $350 billion per year, are enough to provide comprehensive coverage to everyone without paying any more than we already do.

Under a single-payer system, all Americans would be covered for all medically necessary services, including: doctor, hospital, long-term care, mental health, dental, vision, prescription drug and medical supply costs. Patients would regain free choice of doctor and hospital, and doctors would regain autonomy over patient care.

Physicians would be paid fee-for-service according to a negotiated formulary or receive salary from a hospital or nonprofit HMO / group practice. Hospitals would receive a global budget for operating expenses. Health facilities and expensive equipment purchases would be managed by regional health planning boards.

A single-payer system would be financed by eliminating private insurers and recapturing their administrative waste. Modest new taxes would replace premiums and out-of-pocket payments currently paid by individuals and business. Costs would be controlled through negotiated fees, global budgeting and bulk purchasing.


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Originally Posted by MrWondering
The first article you posted amused me right off the bat when it indicated that physicians AND THE INSURERS were interested in finding "value" in the health care system.

Mr. W. - I'm glad you were "amused." I guess value isn't a consideration for you in the type of healthcare that is provide to people. Why on earth do we even have "malpractice" suits if "value" is NOT a consideration?

And why do we even have the need for Probate or Probate attorneys? To protect against the greed of government perhaps?

Various insurance products that I make available to my clients include products that BYPASS Probate.

And what has been your experience in the average length of time for someone to go through the probate process? I know what it is in North Carolina, but that doesn't matter. What has been your experience as a probate attorney?



Originally Posted by MrWondering
I took one of the links from your 2nd article above to the website Physicians for National Healthcare.

They confirmed the number I had read earlier which was the Health Insurance industry tacks on over 30% to the cost of actual healthcare in this country... Didn't you say this was wrong??

Mr. W. - That's right, I provided both PRO and CON articles, in the hope that people CAN use reason to evaluate the issue and not just emotions.

But did you bother to address any of the points raised? No.

Instead, you go right back to the idea that what it COSTS YOU in premiums to be covered is the "most important thing." It's not. It certainly IS important to YOU from a "personal affordability" standpoint, but the COST of a 'single payor' (government run) healthcare system will COST you in both high taxes and in poorer healthcare delivery.

And NO, I didn't say that administrative costs might not be 30%, or any other number for that matter. But you have no apparent idea of the administrative costs involved in healthcare, or all of the reasons for them, do you?

Do you really believe that the government will change the "administrative costs" for the better?

Now maybe they CAN, IF they do away with the possibility of SUING the government because healthcare was NOT delivered the "way it should have been" and someone had a "negative outcome" as a result.

You don't seem to have any idea of how strictly regulated the healthcare industry is, do you?

And PLEASE don't try to tell me that attorney's administrative costs are "only" 1% of their revenues. If that is true, I'd say that their revenues are probably WAY TOO HIGH and that most of what they make is "obscene profit" on the backs of the misery of others.

TWO can play this "game" you seem want to play, Mr. W., but it does little to address the fundamental issue of the availability and delivery of healthcare to people who need it.



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