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#152 Feb 04 2011 at 5:44 PM Rating: Good
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Keylin wrote:
In short, involving government, even if it is to "act as a collective bargaining tool" is generally a bad idea as it can quite easily kill competition.


A blood test that costs me 40 dollars costs my father over 800 dollars. Just because I have insurance through my employer. The insurance company tells the hospital "No, we only pay this much for that." His work doesn't offer insurance, and he and my mother cannot afford it.
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#153 Feb 04 2011 at 6:23 PM Rating: Excellent
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Keylin wrote:
Missing the point here.

No, I got the point. You just picked a stupid thing to illustrate it with since there were much better examples.

I started to address your (exaggerated) claims regarding the services elsewhere but... meh. I've asked our foreign members before if any of them wish their nation had the US medical system. Oddly enough for all those supposed overcrowded hospitals with patients dying in the streets and waiting years and years to see a specialist, I haven't gotten any sort of positive response.
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#154 Feb 04 2011 at 6:27 PM Rating: Good
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I've lived here in Canada all my life. In those 34 years, I can remember hearing about people taking 1year+ to see a specialist about 3 times. It happens, but hardly at a rate that's worth using as an example as to why it's bad. The deaths and bankruptcies in the US due to lack of care/medical bills is a much larger issue than a few people waiting a year+ to see a specialist.

I'm not going to tell you it's a speedy process, as it does tend to take months but this ******** about years is ridiculous.

Edited, Feb 4th 2011 8:29pm by Uglysasquatch
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#155 Feb 04 2011 at 7:07 PM Rating: Decent
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Uglysasquatch wrote:
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Or I could go with Canada. Not a bad place if you get sick with the flu or break a bone or three, but if you catch a rather long term disease that requires specialist, you will likely end up on a waiting list that'll take years to clear through.
Ignorance is a powerful tool.

Funny lack of knowledge is funnier in text.
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#156 Feb 04 2011 at 7:39 PM Rating: Default
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TirithRR the Eccentric wrote:
Keylin wrote:
In short, involving government, even if it is to "act as a collective bargaining tool" is generally a bad idea as it can quite easily kill competition.


A blood test that costs me 40 dollars costs my father over 800 dollars. Just because I have insurance through my employer. The insurance company tells the hospital "No, we only pay this much for that."


How much does your work pay for the insurance you have though? More or less than the $760 you saved on that blood test? You get that that is money you would have received as direct pay if it wasn't provided instead in the form of health benefits, right?

Also, do you understand that because people like you don't understand that the "free" health benefits your employer provides you actually come out of your paycheck, you don't think of it as a cost to you, and thus don't pay attention to how much you are really paying for your health care. But the health care providers do know this and crank up the costs. They know that your insurer will simply hand that cost increase over to the employer, who will pay it out of the money he would have paid you without you ever realizing it.

So, you are paying $800 for that blood test either way, you just think you aren't. Also, the reason that blood test costs $800 instead of maybe half as much is exactly because so many people have health insurance and thus don't realize that they're being grossly over charged.

Quote:
His work doesn't offer insurance, and he and my mother cannot afford it.


Yup. Turn it around though. Can you imagine what would happen to the price tag for that blood test if no one had health insurance and no one could afford it? It's because the invisible insurance mechanism you use allows you to pay for something you'd never pay for out of pocket that those things cost so much. Insurance should only be used to cover extremely rare things which you could not possibly afford to pay for without the insurance. By using it to pay for things that are within the range of selective purchase by consumers, it massively drives up the costs.


All we have to do to "fix" our health care system (rising costs really), is get people to stop relying on insurance to pay for everything from a hangnail to major surgery. When a doctor has to price his services to what his customers can afford to pay out of pocket, or go out of business, you might be amazed at just how affordable health care will suddenly become.
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#157 Feb 04 2011 at 8:31 PM Rating: Good
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gbaji wrote:
So, you are paying $800 for that blood test either way, you just think you aren't. Also, the reason that blood test costs $800 instead of maybe half as much is exactly because so many people have health insurance and thus don't realize that they're being grossly over charged.
Are you trying to make an argument for universal healthcare?
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#158 Feb 04 2011 at 8:43 PM Rating: Good
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gbaji wrote:
TirithRR the Eccentric wrote:
Keylin wrote:
In short, involving government, even if it is to "act as a collective bargaining tool" is generally a bad idea as it can quite easily kill competition.


A blood test that costs me 40 dollars costs my father over 800 dollars. Just because I have insurance through my employer. The insurance company tells the hospital "No, we only pay this much for that."


How much does your work pay for the insurance you have though? More or less than the $760 you saved on that blood test? You get that that is money you would have received as direct pay if it wasn't provided instead in the form of health benefits, right?

Also, do you understand that because people like you don't understand that the "free" health benefits your employer provides you actually come out of your paycheck, you don't think of it as a cost to you, and thus don't pay attention to how much you are really paying for your health care. But the health care providers do know this and crank up the costs. They know that your insurer will simply hand that cost increase over to the employer, who will pay it out of the money he would have paid you without you ever realizing it.

So, you are paying $800 for that blood test either way, you just think you aren't. Also, the reason that blood test costs $800 instead of maybe half as much is exactly because so many people have health insurance and thus don't realize that they're being grossly over charged.


I do understand the money I pay (about 11USD per week from my paycheck). I know it's not "free" (and I know enough about my employer to know that without health insurance, they would still pay me the same). I also know that the insurance company is not paying the 800 dollars and then charging me 40. It's all spelled out in the explanation of benefits I receive after every insurance charge.

That piece of paper pretty much says: This is how much the hospital wanted to charge for this procedure. This is how much we allow to be charged for this. This is how much you owe. Mind you, I haven't received many of these. The very few hospital incidents I've required have been work-related and covered that way. So unless that sheet of paper from the insurance company is lying to me, the insurance company isn't paying the hospital 800 for the procedure. And they aren't doing that merely because they don't have to.

So the insurance company has enough weight and contracts to throw around and force a more decent pricing from the hospitals. People without insurance don't. It'd be nice if there were some affordable way for people to get the same price negotiations.

Quote:
All we have to do to "fix" our health care system (rising costs really), is get people to stop relying on insurance to pay for everything from a hangnail to major surgery. When a doctor has to price his services to what his customers can afford to pay out of pocket, or go out of business, you might be amazed at just how affordable health care will suddenly become.


Maybe have someone large enough to say "No, we don't pay this much for this procedure." I wonder who could do that beyond insurance companies. Because I'm pretty sure my dad already tried that with a few of the medical bills he found to be outrageous. It didn't go over well.

Edited, Feb 4th 2011 9:45pm by TirithRR
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#159 Feb 04 2011 at 9:33 PM Rating: Decent
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Uglysasquatch wrote:
gbaji wrote:
So, you are paying $800 for that blood test either way, you just think you aren't. Also, the reason that blood test costs $800 instead of maybe half as much is exactly because so many people have health insurance and thus don't realize that they're being grossly over charged.
Are you trying to make an argument for universal healthcare?


Nope. I'm arguing against systems which disconnect the person receiving the care from the payment for that care. Whether it's an insurance company paying on my behalf, which in turn charges my employer, who in turn charges me in the form of less pay for the same work, or whether it's in the form of the government taxing everyone for health care and then paying out of a huge bucket of money, you're still going to see the provider crank up the amount he charges simply because the person in front of him doesn't think he's paying for it, even though he actually is. Just through an indirect means.

Government funded "single payer" is even worse, but insurance is pretty bad by itself. My point is that our solution to the problems of rising health care costs should not be to strengthen the very factors which cause that rise in cost in the first place.
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#160 Feb 04 2011 at 9:36 PM Rating: Good
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gbaji wrote:
My point is that our solution to the problems of rising health care costs should not be to strengthen the very factors which cause that rise in cost in the first place.
I agree. That's why you remove the profit from the equation and go universal. Are you sure you're not pushing for universal healthcare?
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#161 Feb 04 2011 at 10:03 PM Rating: Decent
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Jophiel wrote:
To be fair, the Pentagon is a giant fiscal mess of indeterminate proportions.

Although that's largely due to a willingness on the part of Congress to let the Dept of Defense flout the reporting rules and an unwillingness to say anything, lest one break the holy commandment of Thou Shalt Not Question The Holy Pentagon Ever Unless You Hate America.


While I don't have an issue with pointing out the lack of accountability in terms of how the Pentagon spends its money, that guy seems to really have a specific hate-on for the military/defense industry. His whole diatribe about how much we spend on things compared to how much we think we do is something you could probably find about any subject, not just defense spending. So in the interest of addressing his concern rather than the single target he selective choose to pick on (and I've been poking around the latest budget tables), some interesting factoids:


In 1971, the US spent 7.3% of GDP on Defense
Between 1999 and 2001 we hit a low point for defense spending at 3.0% of GDP
In 2010, the US spent 4.7% of GDP on Defense.

So, unless you cherry pick your starting period at the tail end of the Clinton presidency, you can't at all say we're somehow spending an historically high amount of money on defense. And to be fair, since 1971 was the last year of the Viet Nam war and is a bit of an outlier, I'll add that for the entire time period between 1972 and 1992 the spending rate never dropped below 4.7%. Just to show that I'm not cherry picking numbers myself.


In the meantime, in 1971, spending on Social Security was 3.3% of GDP and with some minor fluxuations along the way has steadily increased since that time to 4.8%.

More dramatically, in 1971, spending on Medicare was 0.7% of GDP. Today it is 3.6%
Medicaid was 0.3% in 1971. Today it's at 1.9%


So collectively, "health care" has increased from 1% of GDP to 8.4% over a 40 year time period, while defense spending has decreased significantly. Yet, for some bizarre reason there are some people who keep wanting to make the argument that we spend too much on Defense and not enough on Health care. Argue for more spending or less if you want, but don't pretend like the spending levels are different than the really are. Looking at a number in a vacuum doesn't tell you anything at all. Is 800B on defense enough, too much, or not enough? No clue. But we can look at historical patterns and judge how much we're spending relative to what we used to and get a sense that way, can't we? And we can assess whether we're getting the same or similar bang for the buck as well, right?


I think we can say that our military today is at least as effective a relative fighting force as it was back in 1971 (most people would argue it's a hell of a lot more effective in fact). Yet we're spending less of our total economy on it, so isn't that "good"? The better question, for one not so focused on the military is whether or not our health care system today gives us as much bang for the buck as it did in 1971. There certainly have been medical improvements since then. No doubt about that at all. But is it 8 times better? Do we provide 8 times the care today?


I don't think so. Do you? Does anyone?
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#162 Feb 04 2011 at 10:13 PM Rating: Decent
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Uglysasquatch wrote:
gbaji wrote:
My point is that our solution to the problems of rising health care costs should not be to strengthen the very factors which cause that rise in cost in the first place.
I agree. That's why you remove the profit from the equation and go universal. Are you sure you're not pushing for universal healthcare?


It's not as simple as that though. To eliminate the profit motive, you'd have to remove every single component of health care which is profit driven. That means the doctors, the hospitals, the pharmaceutical companies, the medical device manufacturers, everyone. That's about 5 steps farther than even single payer and would require an almost complete transformation of the US economic system which isn't going to happen. There are a host of other problems that creep into that sort of system, and I could probably write a huge post just about that, but the whole things out of scope anyway. The US isn't going to undergo that transformation anytime soon, so it's not an option.


Going in the other direction and eliminating the use of insurance as a means to pay for common and relatively affordable care would massively decrease the cost. See, you want to eliminate the profit motive, but the problem isn't the profit motive. It's an imbalance between parts of the system which are profit driven and parts which aren't. That's where you run into trouble. Right now, the problem is that the consumer doesn't have a profit motive at all. He's given an insurance card which entitles him to coverage and that's that. The costs are all handled behind the scenes.

Change that and the profit motive balance out. The consumers need for a lower cost product will compete fairly with the producers need to make more money. And you wont see it cost $800 for a blood test anymore. And heck! You might even seen better advancements in medical technology. The drive to come up with a better/cheaper way to do the same thing is also driven by profit competition. The company that brings to market a blood tester that can perform the same test for half the cost wins, right?


Your solution fails to take that effect into account. When all sides are competing economically, we get the best outcomes. When no one is competing economically we get a consistent, but stagnant and mediocre outcome. And when one side competes for profit and another side doesn't, we get random outcomes for a much higher cost. It's clear to me that option one is the best choice.
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#163 Feb 04 2011 at 10:21 PM Rating: Good
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Is there really that much competition in the healthcare system though? While not a complete monopoly, I'd have to drive a couple hours to get to another hospital. I'm sure this would lower competition between providers and put a wrench in a good supply/demand system.
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#164 Feb 04 2011 at 10:26 PM Rating: Excellent
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gbaji wrote:
While I don't have an issue with pointing out the lack of accountability in terms of how the Pentagon spends its money, that guy seems to really have a specific hate-on for the military/defense industry.

Maybe 22 years of working in the Pentagon and seeing how they operate will do that to a guy.

Quote:
So in the interest of addressing his concern...

His concern is clearly and directly the lack of accountability in defense spending due to refusal to clean up and open their books as the law says they must. He has testified before Congress in this regard so I think it's sort of obvious where his "concern" is. It's not in comparing defense to Medicare. Rather than trying to compare defense spending to health care and change the debate, maybe you should show more concern about the complete lack of accountability in the Pentagon? You say you "don't have an issue" with it and then go off on a jaunt defending defense spending, without even knowing how it's being spent.

Somehow I doubt you'd be this cavalier about a trillion dollars being spent by the Dept of Education with zero accountability. Or a trillion dollars spent on the stimulus with no one allowed to look at the books. Or, since you bring it up, a trillion dollars spent on Medicare while telling Congress "We'll let you know how we're spending it... someday." But when it's Defense, it's "Yeah... but what about the amount we spend on... uhh.. health care! Yeah! And it's a lower percentage of GDP now than in 1988!"

As I said: Thou Shalt No Offend The Holy Pentagon. Thanks for proving it for me :)
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#165 Feb 05 2011 at 5:18 AM Rating: Good
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gbaji wrote:
It's not as simple as that though. To eliminate the profit motive, you'd have to remove every single component of health care which is profit driven. That means the doctors, the hospitals, the pharmaceutical companies, the medical device manufacturers, everyone.
No, you only need to remove the profit from insurance providers, doctors and hospitals. Pharmaceutical companies and medical device manufacturers need a profit margin to continue to develop new products. The others don't.
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#166 Feb 05 2011 at 6:01 AM Rating: Decent
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No, you only need to remove the profit from insurance providers, doctors and hospitals. Pharmaceutical companies and medical device manufacturers need a profit margin to continue to develop new products. The others don't.


/em smacks forehead and shakes head.
#167 Feb 05 2011 at 6:06 AM Rating: Good
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Keylin wrote:
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No, you only need to remove the profit from insurance providers, doctors and hospitals. Pharmaceutical companies and medical device manufacturers need a profit margin to continue to develop new products. The others don't.


/em smacks forehead and shakes head.
You should be smacking your head. You're obviously ignorant to how anything works as you've shown in your previous posts. Maybe you can knock some sense into it.
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#168 Feb 05 2011 at 6:16 AM Rating: Good
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Uglysasquatch wrote:
Keylin wrote:
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No, you only need to remove the profit from insurance providers, doctors and hospitals. Pharmaceutical companies and medical device manufacturers need a profit margin to continue to develop new products. The others don't.


/em smacks forehead and shakes head.
You should be smacking your head. You're obviously ignorant to how anything works as you've shown in your previous posts. Maybe you can knock some sense into it.


Maybe he thinks by "no profit" you mean doctors won't be paid for their services and hospitals won't be able to gather money to upkeep their facilities?
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#169 Feb 05 2011 at 6:47 AM Rating: Good
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Keylin wrote:
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No, you only need to remove the profit from insurance providers, doctors and hospitals. Pharmaceutical companies and medical device manufacturers need a profit margin to continue to develop new products. The others don't.


/em smacks forehead and shakes head.


Awww, varus and gbaji have a new friend.
#170 Feb 05 2011 at 9:49 AM Rating: Decent
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Keylin wrote:
/em smacks forehead and shakes head.

I don't think there is any more candy left in there.
Nadenu wrote:
Awww, varus and gbaji have a new friend.

He's been in here before, didn't stay very long though.

Edited, Feb 5th 2011 9:51am by Allegory
#171 Feb 05 2011 at 10:20 AM Rating: Decent
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How much does your work pay for the insurance you have though? More or less than the $760 you saved on that blood test? You get that that is money you would have received as direct pay if it wasn't provided instead in the form of health benefits, right?


********* He would not have gotten the money the company spends on insurance in pay. Stop kidding yourself. The company would just keep the money. Job benefits are above and beyond wages, you are pretty childish if you think otherwise.
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#172 Feb 05 2011 at 12:10 PM Rating: Decent
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The problem lies is that when the government does anything, whether it be roads, education, or health care, it tends to hold a monopoly. It's very hard to compete against the government, especially considering that the government makes the rules, and the government can price things lower than any private competition (it's hard to beat free). The problem with a monopoly is that it stifles progress and innovation.


There will always be sufficient demand for "health" as to prevent that from ever being a problem. Capitalism doesn't foster new medical techniques, because there's no real money in "techniques" (practically impossible to get a patent to stick). And the pharmacological industry is far too broken to be an example of the medical merits of capitalism, either.

Is it really a surprise to anyone that making "health" an industry is a bad idea? Industry, where the objective is to make as much money as possible, and not necessarily provide the best quality of product/service? How are people still so naive to think it's still viable to expect that the best products and services will be the most successful, and that the free market provides sufficient motivation for innovation, when the consumers can't possibly be knowledgeable enough to know what the best product/service is? Too much of a business's success these days is dependent on marketing and exploiting consumer psychology so they'll buy the newest clothes and cars and other ******** for this to be the same system we use to mediate access to healthcare.

Quote:
Pharmaceutical companies and medical device manufacturers need a profit margin to continue to develop new products. The others don't.

Quote:
You mean the many examples of health care systems that are far inferior to the US? The US health industry leads the world, THE WORLD, in medical science and new medical breakthroughs. Countries like Canada benefit from the US health industry without paying for it.


Arguable, but even if we accept this premise, it really doesn't have a lot to do with having free market healthcare. It has far more to do with being an economic superpower in general. Plus, we're such an unhealthy nation, we have plenty of test subjects for research. Who do you think makes these medical breakthroughs, anyway? Corporations? Small businesses? They're researchers working out of colleges and hospitals that are already being funded by the government. The government is already signing the checks for these medical breakthroughs.

And honestly, smart people go to other countries when they need serious care, because it costs many times less for care that is overall very similar. And that has nothing to do with them stealing from us-- it's just applying the same principles as outsourcing.

Quote:
where the hospitals are so overcrowded that patients are (literally) dying to see a doctor.


lol, no. I don't know where you heard that, but you should go ahead and chalk them up as an unreliable source.
#173 Feb 06 2011 at 2:47 AM Rating: Good
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Jophiel wrote:
To be fair, the Pentagon is a giant fiscal mess of indeterminate proportions.

Although that's largely due to a willingness on the part of Congress to let the Dept of Defense flout the reporting rules and an unwillingness to say anything, lest one break the holy commandment of Thou Shalt Not Question The Holy Pentagon Ever Unless You Hate America.

Quote:
For years, Pentagon decision makers have admitted, and members of Congress have understood, the Pentagon can not keep track of the money Congress authorizes it to spend, for the simple reason that the Pentagon's bookkeeping systems are an un-auditable shambles. This is an old problem that I, among others, have been writing about since the late 1970s. Auditability and transparency go to the heart of the idea of a representative republic. A government of the people, by the people, and for the people must be answerable to people.

That is why accountability is an absolute requirement of the Accountability and Appropriations Clauses of the Constitution, which assign the power of the purse to Congress. This was made an explicit legal requirement by the enactment of the Chief Financial Officers Act of 1990, which required the Inspector General of each agency in the Federal government to certify that its agency was in fact accounting for the funds Congress gave it.

Yet to date, the Pentagon has been unable to comply with the requirements of this law. I testified about this problem many times to Congress -- and I refer interested readers to my last statement to Congress in June 2002, which pretty well summed up this mess, describes its ramifications, and describes one pathway toward fixing the problem. My sources in the Pentagon tell me the situation is worse today than it was in 2002.


Edited, Feb 4th 2011 4:12pm by Jophiel


To be fair though, they measure dollars spent, and don't create a valuation for project-able force per dollar spent.

But yes, inefficiencies do exist.
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#174 Feb 06 2011 at 2:57 AM Rating: Good
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TirithRR the Eccentric wrote:
Is there really that much competition in the healthcare system though? While not a complete monopoly, I'd have to drive a couple hours to get to another hospital. I'm sure this would lower competition between providers and put a wrench in a good supply/demand system.


In higher density areas? Yes.

In my case, there are tons, because we are a bit of a medical research hub.
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#175 Feb 06 2011 at 3:08 AM Rating: Good
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Uglysasquatch wrote:
gbaji wrote:
It's not as simple as that though. To eliminate the profit motive, you'd have to remove every single component of health care which is profit driven. That means the doctors, the hospitals, the pharmaceutical companies, the medical device manufacturers, everyone.
No, you only need to remove the profit from insurance providers, doctors and hospitals. Pharmaceutical companies and medical device manufacturers need a profit margin to continue to develop new products. The others don't.


Doctors don't need a profit motive?

Hospitals would still tend to need one so they have a reason to care about supply costs.

Insurance wouldn't if it is instead a subsidiary gov't program, but the implementation on that is tricky. If done correctly, as in covering outlier, expensive procedures as a societal risk mitigation tool (But with a cap EoLC), I'd actually agree with Gbaji on structuring the funding dynamics.

My major beef with the system is insurance isn't being used as insurance, but rather a blanket program. And if that's the case it's much better to have a public system. But if it were being used correctly, I could accept a private model, with only a few caveats.
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#176 Feb 06 2011 at 3:10 AM Rating: Good
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rdmcandie wrote:
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How much does your work pay for the insurance you have though? More or less than the $760 you saved on that blood test? You get that that is money you would have received as direct pay if it wasn't provided instead in the form of health benefits, right?


Bullsh*t. He would not have gotten the money the company spends on insurance in pay. Stop kidding yourself. The company would just keep the money. Job benefits are above and beyond wages, you are pretty childish if you think otherwise.


A resounding No. Benefits are absolutely part of your compensation, not some additional perk, which the company doesn't factor into the valuation of your labor.

If you need me to explain why, I can, but it might take a mallet for you to get it.
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