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Abortion, Civil Rights, Healthcare and other Social Issues Abortion, Civil Rights, Homosexuality, Education, Healthcare and other such issues

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  #286 (permalink)  
Old 04-18-2008
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drgoodtrips drgoodtrips is offline
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Re: 59% of US Doctors favor Universal health care

Quote:
Originally Posted by goober View Post
That's not what the data says, I can't link to this, because it's from my brother, who's a health actuary.
When he started as a health actuary, the company wanted to raise premiums for smokers, and he was tasked with determining what would be a fair rate.
A couple of weeks into it, he was perplexed, because his data showed that smokers have lower health care costs than non-smokers, he called an actuary at another Blue Cross, to ask what he was doing wrong, the guy told him he wasn't doing anything wrong, smokers have lower health care costs than non-smokers, and drinkers have lower health care costs than teetotalers.

Because everyone gets sick and dies, but smokers and drinkers die from stuff that's relatively cheap to treat. When people with a healthy life style get sick they hang on longer, costing more, and they get diseases that are more costly to treat.

Here's the problem with health care, and why the US health care system is in a death spiral. People get sicker when they get older, there is hardly any cost associated with people aged 20 to 45, then the costs increase every year.
If you charge everyone the same, young people opt out, which means fewer people paying in, resulting in higher premiums to the point where it becomes unaffordable.
If you use ratings to reflect the lower cost of the 20-45 age group(A Toyota factory), you need to charge the 45-65 group (A GM Factory) even higher premiums.
This gives new companies a big advantage over companies with older workers, and makes companies shy away from hiring older workers.
In other words, our health care system is introducing incentives to the marketplace that distort the labor market and make it less efficient.
I just noticed the quote you're referencing, and I would like to make a clarification that I do not think that health is largely based on personal decisions. Would that it were - it would be easier to construct a fair system. As it is, health seems based on the luck of the draw more than anything.

(That was a general clarification, not a response to you, per se).
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  #287 (permalink)  
Old 04-18-2008
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Re: 59% of US Doctors favor Universal health care

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Originally Posted by Imperator View Post
why? Because I forgot to add a (?)...

okay, here ya go

?
No, because you didn't ask a question.

Now, if you've got something to ask, spit it out FFS.
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  #288 (permalink)  
Old 04-18-2008
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Re: 59% of US Doctors favor Universal health care

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Originally Posted by pramjockey View Post
No, because you didn't ask a question.

Now, if you've got something to ask, spit it out FFS.
no need to get nasty
again-

do the needs of the few outweigh the needs or free will of the many?
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  #289 (permalink)  
Old 04-18-2008
Johnny K Johnny K is offline
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Re: 59% of US Doctors favor Universal health care

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Originally Posted by Imperator View Post
no need to get nasty
again-

do the needs of the few outweigh the needs or free will of the many?
Don't know what you are fussin' with Pram about, but health care is something everyone needs. Single payer financing restricts no ones free will as to who provides it. It simply takes away that "free will" choice of whether to pay the insurance bloodsucker or the morgage and food on the table.
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  #290 (permalink)  
Old 04-18-2008
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Re: 59% of US Doctors favor Universal health care

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Originally Posted by Imperator View Post
no need to get nasty
again-

do the needs of the few outweigh the needs or free will of the many?
Sometimes, yes.
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  #291 (permalink)  
Old 04-22-2008
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Evil_inKarlate Evil_inKarlate is offline
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Re: 59% of US Doctors favor Universal health care

Quote:
National Insurance gives people the freedom to make choices. Let's companies hire who they think is the best for a job.
So does decoupling insurance coverage from employment, and without introducing an oppressive governmental bureaucracy and/or tax load.

Quote:
society only got 24 years of productivity of 45 years... If a person gives 44 years productivity then they easily cover the extra cost of increased cost of healthcare in there retirement..
Not necessarily. If the person in question is a welfare leach to start with, the sooner they're gone the better. And not-terribly-productive workers aren't much better. And it's only a matter of time until the government figures that out, and I don't think that's a course we want to be setting for our society. -or- If the person has enough health issues in their retirement and no restraints on health care costs, it's quite possible they can eat up more than their 44 years of productivity. My ex-father-in-law bordered on this. -or- If the person's health issues are severe enough at 45, it's possible they can incur a 'productivity deficit' they'll never climb out of.


Quote:
...but health care is something everyone needs.
But not so much as everyone needs food. Aren't we getting our priorities mixed up by not nationalizing nutrition first?


Quote:
Single payer financing restricts no ones free will as to who provides it. It simply takes away that "free will" choice of whether to pay the insurance bloodsucker or the morgage and food on the table.
That's true - You pay the governmental insurance bloodsucker, or else people with guns come to take you (and/or yours) away. I hardly see where that's an improvement over the current situation, tho.

Quote:
Quote:
do the needs of the few outweigh the needs or free will of the many?
Sometimes, yes.
And that's why I voted for you for dictator, so you could make both that general determination and the specific ones that must follow, since individuals cannot be trusted to make appropriate choices regarding medicine, charity, or medical charity. Oh wait, I didn't vote for you! I hope I didn't miss the dictator election! (And I hope there aren't any penalties for not voting, like the penalties for not buying insurance... )



The problem with our current system isn't not enough insurance, it's Too Much insurance. As private-insurance-opponents point out, there is an incentive for each payer to pay out as little as possible, and because the payers are not directly involved in the actual care exchange, the results are sometimes tragic. What the government-insurance-proponents fail to take into account is that this negative incentive and indifferent posture do not magically disappear just because one shifts from several third-party payers to one. (One does admittedly gain the advantage of standardized red tape, but this is a shorter-term advantage than that of market-based competition.)

Economically, the best method is to decouple insurance coverage from employment, reduce or eliminate prepaid healthcare disguised as health insurance (i.e. low- or no- deductible plans), and encourage individual purchases of both healthcare and catastrophic health insurance. This takes advantage of market forces towards cost efficiency and product innovation while reducing the tragedies of overwhelming medical expenses.
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  #292 (permalink)  
Old 04-22-2008
CowboyTed CowboyTed is offline
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Re: 59% of US Doctors favor Universal health care

Quote:
Originally Posted by Evil_inKarlate View Post
So does decoupling insurance coverage from employment, and without introducing an oppressive governmental bureaucracy and/or tax load.
.
So you not proud of your goverment I didn't take you as so unpatriotic
Quote:
Originally Posted by Evil_inKarlate View Post
Not necessarily. If the person in question is a welfare leach to start with, the sooner they're gone the better. And not-terribly-productive workers aren't much better. And it's only a matter of time until the government figures that out, and I don't think that's a course we want to be setting for our society. -or- If the person has enough health issues in their retirement and no restraints on health care costs, it's quite possible they can eat up more than their 44 years of productivity. My ex-father-in-law bordered on this. -or- If the person's health issues are severe enough at 45, it's possible they can incur a 'productivity deficit' they'll never climb out of.
.
So what are you saying about mental illness and all people who a living of the state due to illness or handicap. When would you put them out of there misery and put a bullet in there head... Your views are shared with Hitler
Quote:
Originally Posted by Evil_inKarlate View Post

But not so much as everyone needs food. Aren't we getting our priorities mixed up by not nationalizing nutrition first?
.
So we should have left all people in Katrina to die... If crops are wiped out ny weather you should let people starve..
Quote:
Originally Posted by Evil_inKarlate View Post

That's true - You pay the governmental insurance bloodsucker, or else people with guns come to take you (and/or yours) away. I hardly see where that's an improvement over the current situation, tho.
.
Medicaid and Medicare are the most efficent health insureance in the US..
Quote:
Originally Posted by Evil_inKarlate View Post

And that's why I voted for you for dictator, so you could make both that general determination and the specific ones that must follow, since individuals cannot be trusted to make appropriate choices regarding medicine, charity, or medical charity. Oh wait, I didn't vote for you! I hope I didn't miss the dictator election! (And I hope there aren't any penalties for not voting, like the penalties for not buying insurance... )
.
Thats just crap... Are you willing to let people die because they didn't buy insurance... Are you willing to let 40 millions Americans die...
Quote:
Originally Posted by Evil_inKarlate View Post


The problem with our current system isn't not enough insurance, it's Too Much insurance. As private-insurance-opponents point out, there is an incentive for each payer to pay out as little as possible, and because the payers are not directly involved in the actual care exchange, the results are sometimes tragic. What the government-insurance-proponents fail to take into account is that this negative incentive and indifferent posture do not magically disappear just because one shifts from several third-party payers to one. (One does admittedly gain the advantage of standardized red tape, but this is a shorter-term advantage than that of market-based competition.)

Economically, the best method is to decouple insurance coverage from employment, reduce or eliminate prepaid healthcare disguised as health insurance (i.e. low- or no- deductible plans), and encourage individual purchases of both healthcare and catastrophic health insurance. This takes advantage of market forces towards cost efficiency and product innovation while reducing the tragedies of overwhelming medical expenses.
.[/quote]
You actually know nothing about healthcare... Nothing

The reason US healthcare is costing twice the french is preventive care and any good health professional who as looked at this area will tell you so... I have worked in the area and the figures are astounding... Preventive Care saves huge amounts of money...

The is one think I like to say to you is that your idealogically lead and you can't see reality. The reality of the situation is the present system is killing over a million Americans a year(thats conservative), your method will kill more. The system is grossly too expensive because corporate greed... Your so idealogically blind to this...
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  #293 (permalink)  
Old 04-22-2008
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Re: 59% of US Doctors favor Universal health care

Do I smell a "disagreeing with me makes you Hitler" argument?
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  #294 (permalink)  
Old 04-22-2008
CowboyTed CowboyTed is offline
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Re: 59% of US Doctors favor Universal health care

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Originally Posted by drgoodtrips View Post
Do I smell a "disagreeing with me makes you Hitler" argument?
Hang on.. He was saying that people who are not productive to his version of society should be let die if they get sick...

What did Hitler do the the mentally ill...
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  #295 (permalink)  
Old 04-23-2008
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Evil_inKarlate Evil_inKarlate is offline
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Re: 59% of US Doctors favor Universal health care

Quote:
He was saying that people who are not productive to his version of society should be let die if they get sick...
What did Hitler do the the mentally ill...
No, I was saying unproductive people would eventually be treated as 'official liabilities' under Your vision of society. It's a foreseeable and not unlikely outcome as one continually moves towards a totalitarian state. In the next five years? I'd bet a salary against. Ten yrs? I'd bet a paycheck against. Five generations? Except that I obviously won't be around, I'd bet a couple paychecks for. Unfortunately for me, you're wanting to bet my descendents against.


Quote:
So you not proud of your goverment I didn't take you as so unpatriotic
Like the bumper sticker says - Love your country, fear your government. We almost live in a kleptocracy, except that theft and corruption are just coincidentally common - the real qualification seems to be who is the best liar.

Quote:
Your views are shared with Hitler
I'm not saying that's the way things Should be - that's the way things Would be. There are much more humane and less socially disruptive ways to handle... I guess a good umbrella term would be 'the underclass'.

Quote:
Quote:
But not so much as everyone needs food. Aren't we getting our priorities mixed up by not nationalizing nutrition first?
So we should have left all people in Katrina to die... If crops are wiped out ny weather you should let people starve..
I'm at a loss to come up with a comparable but amusing non-sequitur. I do not consider healthcare a basic human need. Whether one does or not, food is a More basic need, and there are people who aren't getting proper nutrition. So taking your line of reason to its logical conclusion, universal healthcare should be put on the back burner until we've accomplished universal nutrition.

Quote:
Quote:
That's true - You pay the governmental insurance bloodsucker, or else people with guns come to take you (and/or yours) away. I hardly see where that's an improvement over the current situation, tho.
Medicaid and Medicare are the most efficent health insureance in the US..
Is that why I keep seeing news articles about doctors that won't accept those patients? Or why I keep reading about hospitals/practices/agencies in dire financial straits because payments are often slow and/or delayed?

Quote:
Thats just crap... Are you willing to let people die because they didn't buy insurance... Are you willing to let 40 millions Americans die...
That's just crap... Are you saying that because I don't want Pram (or you, or whoever) to dictate my charitable contributions, I'm a wannabe murderer... Are you so dim as to actually believe 'uninsured' means 'on death's door'?


Quote:
You actually know nothing about healthcare... Nothing
I guess we're at an impass then, since you seem to know as much about economics as I do about healthcare.

Quote:
The reason US healthcare is costing twice the french is preventive care ( ... ) Preventive Care saves huge amounts of money...
So then it sounds like we need better education promoting preventive care, and/or more insurance rating classes based on preventive care, to go along with decoupling health insurance from employment. If people paid for health insurance out of pocket and knew they could save half off by getting anual check-ups, you can bet your butt more people would get exams.


Quote:
The reality of the situation is the present system is killing over a million Americans a year(thats conservative), your method will kill more.
Assuming your number is correct, how will my system kill more? The most obvious answer I can see is that many people will choose to forego healthcare and/or health insurance. If that's the case, why aren't they already choosing to forego food as well? (You're still welcome to provide some other answer(s), as I won't assume I came up with the only possible response.)

I've shown how yours will kill more - Third party payers will always have an incentive to pay as little as possible. Monopolizing that incentive will eventually lead to one or more of arbitrarily restricted supply, reduction of innovation, and/or arbitrary reduction of demand (a la Hitler's execution of mental cases).

Quote:
The system is grossly too expensive because corporate greed... Your so idealogically blind to this...
Yes, just like our roadways are littered with bodies because of cell phones. If we could get rid of corporate greed and cell phones, life would be instantly beautiful. (Fade to soft classical music and butterflies flitting between wildflowers growing on verdant hills with a 'mostly sunny' sunrise in the background.)

(Then a bird swoops down on the butterfly and is promptly blown to bits by a shotgun blast as a herd of obnoxious ATVers zoom by, crushing whatever flowers are in their path and leaving behind a clooud of exhaust.)
The system is grossly too expensive because of corruption and incompetence. Corrupt lawyers suing for no good reason. Corrupt patients who hire them. Corrupt doctors putting in false claims, whether to private or govermental payers. And yes, corrupt corporations that also put in false claims. Corrupt or incompetent payers who sometimes allow or even facilitate fraud. Corrupt or incompetent legislators who thwart meaningful reform. Corrupt or incompetent individuals who neglect to get proper preventative care. Corrupt or incompetent benefits coordinators who select plans that aren't appropriate for their employees or their company. And sometimes even corrupt or incometent companies that fail to pay or fail to pay in a timely manner. And probably some more corruption and incompetence I'm failing to list here. And the costs of all the controls needed to try to find and stop all the corruption and incompetence.

Corporations are inherently greedy - that is their job. But they are also generally fair, in that they usually live up to their contracts. So long as you know that going in, you're generally okay. And if they don't live up to their contracts, you can sue or call the cops.

Governmental programs are inherently innefficient (unless they're inhumanely efficient, like Hitler's mental health program) - that's just the nature of the beast. But they're also politically motivated, so if you're connected, you can get what you want or need. So long as you know that going in, you're generally okay. And if they don't live up to their contracts, you can... well, in this case, you can go to hell. (Or heaven, or just 'away'.)


Inflamatory rhetoric aside, you do have a point about preventative care. Even if healthcare is 'free' under socialized medicine, people still won't go without proper education (probably in the form of public service announcements) to let them know they should. A more efficient solution is proper education, catastrophic insurance that includes payment for some basic preventative care like (annual?) check-ups, charitable funding for preventative care for those who can't afford it, and market-driven healthcare. And if somebody dies an early death because they decide they'd rather have a shorter life graced by a big-screen TV than a longer one after getting that nasty growth looked at, that's their choice, not mine. Or yours.
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Last edited by Evil_inKarlate; 04-23-2008 at 01:47 PM.
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