Health care "reform" passes

Sheik I have to say thank you for proving my point "On a disturbing note the cost of teeth cleaning has now jumped in my area to $15, because the despicable gringos pay without bargaining!! I tell you every where the whitey goes he F%^*$ things up".

I have admitedly never lived outside of the U.S. and I do not see what relevance that has to anything we are talking about but OK. If I was to leave the U.S. it wouldn't be to Mexico where I would have to hire a military force to police the compund that I would need in order to keep all of the drug lords out (or has that changed). I don't want to get into a my country is better than yours (I guess american immigration to Mexico is a big deal as of late) so lets try to stay on topic.
 
To all moderators I would like to thank you for leaving this thread open as most sites shut down political threads as soon as they start. Sheik I have nothing but respect for you and I welcome your responses because if people didn't discuss things that they disagree on than nothing would ever change so carry on the good fight (even if you are wrong :drunk:). Beers, Drinks and dinner on me if you ever make to Orlando.
 
Come on I know you like to have fun on here,,,,,,,,,

Damien, Since my reason for being around here is generaly 99% fun/torture and 1% education, I must now depart,,,,,gone go ride on my R1, let's hope I won't crash and need medical care:):)

My sincere suggestion to you as a new comer (50+ posts), is not spend it all on this tired thread. This thread like most on GT40s.com is about OLD PEOPLE bitching (Their time has come and gone).

Hopefuly the next thread would be about Porn, where I would have some meaningful input.

Adios, Hermano

Next time you come to Mexico, Drinks, Drugs and Dental care is on me :):)
 
Hermano, good one! You would be welcomed in my home as well. Also in central Florida. I really enjoy your posts and take them in the proper context......
 
I resent being called "old" just because I come here to bitch. I'm still young and vibrant...just a bit jaded. :)

Damien, Since my reason for being around here is generaly 99% fun/torture and 1% education, I must now depart,,,,,gone go ride on my R1, let's hope I won't crash and need medical care:):)

My sincere suggestion to you as a new comer (50+ posts), is not spend it all on this tired thread. This thread like most on GT40s.com is about OLD PEOPLE bitching (Their time has come and gone).

Hopefuly the next thread would be about Porn, where I would have some meaningful input.

Adios, Hermano

Next time you come to Mexico, Drinks, Drugs and Dental care is on me :):)
 
I have found this term extremely annoying. Sure it sounds so nice, but would you wreck your car and then get full coverage after the fact and expect them to repair it?? Hell no, and I'd like to be there when they laughed at you for suggesting it. Insurance is INSURANCE...it's not a winning lottery ticket. I feel that is the biggest part of the problem, I saw it with vehicle insurance claims and find it hard to believe that these same people don't also try the same thing with health insurance. Just for the record, I have NO health insurance. The best health insurance is to take care of YOURSELF and not expect someone else to pay for it when you don't. I pay for my dental, when I can, if I can't I do without. I also pay for my medical when I need it. I'm 59 and when my physical was done at 50, I had the same basic data as I had when I had it done at 27. I think Health Insurance itself is the biggest contributor to rising costs. Physicians have to do a battery of tests for virtually anything, that in itself raises costs to those that pay their way. Add into that those that bleed the system because it's free ( that would include public aid and politicians) and the costs will never subside. The bill they passed is longer than most health insurance contracts.....hmmmm.

Dave, that's fantastic. Possibly the most irritating thing is how little people want to take part in the care of themselves. I don't think I would bother with health insurance if I was single. Don't smoke, wear your seatbelt, watch your diet, alcohol in moderation, don't drink and drive, regular excercise. Cheers, -J.
 
Dave and J,
I have read your posts, but I have to bring up the obvious fault in the idea that you can will yourself to health. What about the people born with genetic defects like MS, Type I Diabetes, heart murmers, ETC.? Or what about the people who worked in industrial jobs that may have exposed them to toxins, dangerous environments, or bodily harm? Do these diseases count in evaluating their value to receive care? Currently many of these diseases are excluded from new medical plans that the medical care industry has created for the mass of Americans who self-employ, yet are covered by company sponsored plans. Why is that? The risk pool is still the same for these companies, but their current model makes them more money. There has to be a better way!
Insurance companies, doctors, nurses,hospitals, etc., grew in number because there was a need to be filled. These entities should be allowed to make money because they took a risk, but they are also supported and subsidized by tax breaks and propietary laws that protect their business model from typical market pressures. That is why there has been escalating care costs from insurance groups, doctor owned hospitals/clinics, and medical test centers when in reality they should be balanced by market forces; when you are the only game in town...you can charge what you like.

We need to level the playing field.
Garry:uneasy:
 

Dave Wood

Lifetime Supporter
Dave and J,
I have read your posts, but I have to bring up the obvious fault in the idea that you can will yourself to health. What about the people born with genetic defects like MS, Type I Diabetes, heart murmers, ETC.? Or what about the people who worked in industrial jobs that may have exposed them to toxins, dangerous environments, or bodily harm? Do these diseases count in evaluating their value to receive care? Currently many of these diseases are excluded from new medical plans that the medical care industry has created for the mass of Americans who self-employ, yet are covered by company sponsored plans. Why is that? The risk pool is still the same for these companies, but their current model makes them more money. There has to be a better way!
Insurance companies, doctors, nurses,hospitals, etc., grew in number because there was a need to be filled. These entities should be allowed to make money because they took a risk, but they are also supported and subsidized by tax breaks and propietary laws that protect their business model from typical market pressures. That is why there has been escalating care costs from insurance groups, doctor owned hospitals/clinics, and medical test centers when in reality they should be balanced by market forces; when you are the only game in town...you can charge what you like.

We need to level the playing field.
Garry:uneasy:

First, I agree we need to level the playing field, I don't see this as it. I also don't agree with the sentiment that this is better than nothing and we can "tweak" it. I have NEVER seen any political screw up be rescinded or tweaked. Any attempt those morns make is just another screw up for them to "tweak" later. It seems all they do is try and correct the problems they created earlier. This will be the same. The issue I have with "pre-existing" conditions is that it is all encompassing. I find it quite humorous when the issues you mention are used as a rallying point They are an insignicant amount of what are "pre-existing" conditions. My son is paralyzed from the waist down because he doesn't believe in seat belts or drinking in moderation. He is now on disability because he was IRRESPONSIBLE, still is even after the fact. He is a drunkard because the disability enables him that luxury. Unless you, or anyone else for that matter, can prove that most "pre-existing" conditions aren't self generated, I might alter my view. As it stands birth defects, and worker injuries are are either covered or could be made an exception. I would call birth defects as more than a pre-existing condition, it is a life condition. But again WHY should everyone have to pay for the livelihood or care of those individuals and WHO determines what is appropriate. I can tell you, another bloated overpaid govt. bureacracy. They once became bloated over time, but now they are set up bloated and just get bigger( a pre-existing condition). Let's throw in the octo-mom. She couldn't take care of the kids she had, had 8 more that she can't take care of and 1 or 2 are autistic. So NOW we have to take care of her kids because she is totally irresponsible?? She should be neutered, I'd be willing to pay for that, one time expense to stop the insanity, which is what she is.
There was a time when those things were covered by "charities", but that is too degrading for the self esteem of the worthless. How is it fair to those of us that bust our nut everday and live frugally be required to give those that either can't or won't take care of themselves, a lifestyle that we don't have??
As women put off childbirth until a later age, more invetro is required and birth defects are higher. So now, I'm supposed to pay for that treatment as well as birth defects that generates because THEY CHOSE to wait and take the risk. It is long known that the older a woman is when she conceives the higher her probability to have a "problem" delivery as well as having a child with birth defects.
I am constantly reminded of the arrogance of individuals when I see ads on the TV from law offices soliciting clients because the care their elder is getting in a nursing home isn't what they feel they should have. Take them home and care for them yourself, I mean come on. They obviously don't want to be burdened with anymore than writing a check ( many times not even that because SS covers it in most cases... ),so they illustrated their concern initially when they shoved them into it. I believe the Soviet Union had universal health care, worked great for them. While the politicians tried to coddle the citizens and make every decision, they ran the country into oblivion. I don't see anything that will prevent the same here. We still have those nasty political morons.
 

Dave Wood

Lifetime Supporter
I seperated this from the previous post, because it should be.
When I ran for office at the state level, health costs were a common question. My solution is two fold, first stop govt. subsidies of drug companies. Look into it, it may shock you. Secondly divide health care into 2 categories..Catostophic and normal health care. You would have 2 policies. The catastrophic policy would cover those diseases, like cancer, that can suck out everything that has been worked for( I said worked for). Many of these could be generated by govt. licensing of different "industrial" developments. It would have a low deductible and cover just those illnesses. The other would be a Medical Savings Account,MSA, that you would pay x amount into and pay for regular doctor visits. Anything that you didn't use would be yours to keep and you would again pay into the account the next year and so forth, There is an incentive to not waste the taxpayers money or the doctors time. Those that needed little regular care would reap the financial benefit at the end of every year. These are not new, if you haven't heard of them it is because the legislature( with I am sure $$ from the industry) limits how many can be sold. What???? How can the govt. LIMIT how many that can be sold?? There are many reasons why health care costs are so high and there are many culprits in that formula. But I will not support any effort to FORCE me to buy ANYTHING I don't choose. I choose not to. Just like I choose not to ever buy another new car as long as the govt. dictates what can be built and how. I am happy with my dozen vintage Mustangs and motorcycles, they get me everywhere I need to go and I can easily prove with less pollution. Remember, it is the obvious that a magician "fools" you with and the politicians aren't even that good.
 
I find arguments about "market forces" somewhat humerous. Why do you think that the government is bringing in so many foreign medical grads....duh?

Like so many other industries, we're essentially farming out our medical care to other countries (some with good training, some not so much). Thats fine, just know what you're getting. I'm sure "Joe" from India, currently a call center employee, would love a chance to read your X-ray.

But I am curious, just what do you all think a reasonable wage is for a physician working 60-some odd hours (not including call)? And for that pay, who do you think you're going to get? Would I work for less if I didn't have $175K+ in med school debt to pay off? Of course. But the government doesn't see fit to significantly subsidize medical education, and in fact, prevents me from writing off a single cent of educational loan interest (because as soon as a doc actually gets a job, he makes too much to write anything off).

I'm sorry, but again, you get what you pay for. As for me, and others like me, we'll go elsewhere.

I don't want to sound too much like a whiner, because I can certainly adapt, and am not at all fearful. I'm just a little frustrated by all the coolaid drinkers who don't realize the drastic changes that they're in for. We really are entering a new era of socialism, and this plan will undoubtely be much more expensive than is being let on, and will REQUIRE drastic cuts in service and drastic increases in taxes. With that will be a massive decrease in productivity and big hit to our ecomomy.

Remember, if you punish an action, you will get less of it. Ie, increased taxes will result in tax avoidance (less production). Reward irresponsibility, and you will get more of it.
 
The biggest reason BO gave for healthcare was pre-existing, he brought enough sob stories to make a great soap opera. Why saddle everyone with this BS healthcare? Why not make a healthplan for pre-existing, have TORT reform, and de-regulate the sale of insurance across state lines. Then they could have a blanket plan for everyone else in the world that wanders into the US, idiots!
 
The biggest reason BO gave for healthcare was pre-existing, he brought enough sob stories to make a great soap opera. Why saddle everyone with this BS healthcare? Why not make a healthplan for pre-existing, have TORT reform, and de-regulate the sale of insurance across state lines. Then they could have a blanket plan for everyone else in the world that wanders into the US, idiots!

I don't think we will be getting any tort reform as long as politicians are lawyers...
 
I think that with the next pres. tort reform will be one of the issues that is front and center. Actually that is one of the platforms that republicans are starting to campaign on. It is going to be interesting to see what happens with these suits that have been filed.

In relation to taxes I can say that I do not know of one single person that doesn't already look to pay as little as possible as is. Heck isn't that why we pay accountants? Heck the people that run our country have been guilty of playing with the tax code why they would think that John and Jane Doe will not do the same boggles my mind.

To all doctors on here; please stay with it as there will be change we could all believe in (see what I did there) in three more years!!! I am one of those that has no problem with doctors making 200,000+ but unless you are a neurosurgeon 500,000 is a bit much unless you stop with the release of liability crap before surgery.
 
I did not realize there was actually a forum on this site for political ranting. It naturally tends to bring out the worst in everyone and degrades the website. Way to many angry people.:furious: It makes posters sound just like politicians and we certianly have more than enough of them!!
 
Cliff,
I am sorry, but this just is not accurate.
You are not going to get people to GO to medical school. Why would they? When I started (1993) Not ONE physician told me to go to medical school. Not one. They all said they would never do it again.
Most family docs can barely keep their doors open.
The cardiothoracic surgeons in town make about $250k a year. Do you have any idea how hard they work? How long and hard they trained? How difficult what they do is? There is no way on God's green earth I would do whay they do for that money (OK, I wouldn't work those hours at all). But what are you going to do when you've invested 11-13 years of post graduate training? you are going to do what you can.

There are two places money is going in medicine that is wrong: one, unnecessarily expensive tests and procedures. Two: insurance company profits.

Example one: a Pap smear (one of the most successful tests ever developed in medicine, it took cervical cancer from a leading cause of death of women to a rare event) used to and should still cost about $20. It now costs up to $500, because it has to be a thinprep with DNA analysis for HPV viral type. What's the cost/benefit ratio here? But in the US, you have to have the best, because that's the way it should be.

Example two: Insurance premiums are going up, but reimbursement to (as you say overpaid) physicians has been going down for YEARS. A general surgeon makes now the same thing for a gallbladder removal that they did in the 70s. So where is the money going? We are all paying more for it, but the doctors are getting paid less? Hmmm and insurance companies are some of the most profitable businesses in the US? It doesn't take a brain surgeon to connect the dots.

And lastly, if you think it doesn't take intelligence to be in family practice think again. they have to be the MOST intelligent. They have the least info to go on, they are the least specialized (which means they have to try to know something about everything), and they are the one that has the opportunity to catch something early. If there is anyone you want to be good, it is your GP. In many cases specialization is easier, because you simply get good at what you do.

-J.

Hi J,

Perhaps we could be a little more precise here. What's "not accurate"? Do you mean the salary numbers I'm quoting or something else? For perspective, the numbers I'm quoting are from a semi-urban area (Seattle and environs), not rural, so perhaps that's part of it.

If you're suggesting that bringing down doc salaries will mean that nobody will apply to med school, that's just not credible. Docs get paid substantially less in European countries and there's no shortage of very qualified applicants to med schools.

For comparison sake, there are other professions with similar education and training requirements, but with substantially less wages, that manage to still attract large pools of well qualified applicants.

Related, your statement is suggestive that the primary motivator in the decision to apply to med school is money. I would hope that's not the case. I know when I got my doctorate, money had nothing to do with it. Perhaps that was just youthful idealism however.

I didn't imply that a GP is not a highly trained and intelligent person - of course they are. And, yes, you're right - they're on the front lines with less in the way of diagnostic resources so their smarts and experience are particularly important.

In any case, graduating more docs has no downside that seems credible, as far as I can see.

I would definitely agree that doc salaries are just a component of the total cost to the patient, but it's still a material component.

As far as the cost of procedures, and who is deciding what's appropriate or necessary and what's the right pricing for it I don't know enough of the behind-the-scenes stakeholders. But, I suspect it's an uneasy compromise between insurance company actuaries, docs and hospitals, plaintiff's lawyers, and state and fed regulations = a big mess.

No offense intended J. You can tell me I should get a pay cut any day and I won't be offended.

Incidentally, it's not like offering reasonable levels of coverage to people of less means is going to necessarily add a whole bunch of expense. They're getting some medical treatment anyway (even without coverage) - they're down at the ER right now, getting their run-of-the-mill ills treated for free. I just spent five hours waiting at the local ER to get my son's broken arm fixed up - it was standing room only and I think I was the only one in there with insurance. But, everyone was getting treated!
 

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Damian,

If it will make you feel any better, the "release of liability" is worth no more than the paper it is printed on. Funny, the lawyers write these things up to "protect" us, then they come back and tell us they are worthless. And, of course they charge us both times :)

I sit and review the credentialls of physicians applying to work in my hospital. Case after case after case of patients suffering side-effects or poor outcomes that they were warned about in the "release of liability" forms result in settlements of tens of thousands of dollars. Whatever it is, if it involves a child, figure one hundreds of thousands of dollars...no malpractice, just a bad outcome and the possibility of a sympathetic jury.

I could tell you nightmare stories. I recall one doc, who was only peripherally involved with child that suffered blindness during a procedure. No malpractice, and he wasn't really even involved. However, he was named in the suit because he read an x-ray. The surgeon and all the other docs directly involved settled for several hundred K each, leaving him out to dry. If a case like this goes to court, and you lose, and are found even 1% culpable, you get to pay the entire difference between what was already settled by the other docs, and what the jury awards. In this case, the family was asking for 6-7 million dollars. Had he gone to court and lost, and been found 1% responsible, he would have been on the hook for 6-7 million dollars minus about $500K that had already been paid. Most malpractice coverage in the US tops out at 1 million dollars. He and his family would have lost everything. Needless to say, his lawyer and insurer told him to accept the settlement offer of $850K.

Really, he had almost nothing to do with the case. I see it all the time. Not usually for so much money, but for between $10K to $100K all the time. A jury is rarely sympathetic to the "Wealthy Doctor" and his insurance company, no matter what really happened.

Just remember that the trial lawyers OWN the Democrats, and perpetuate this rediculous process for their own benefit.
 
Cliff,

You said:
"For comparison sake, there are other professions with similar education and training requirements, but with substantially less wages, that manage to still attract large pools of well qualified applicants."


I'm really interested in is what you consider a comparable profession?

Take into account educational requirements/costs, working environment/stress levels, liability issues, etc. I'm thinking, and I'm really hard pressed to come up with one.
As I said before, take out the cost of education, and sure, most would be willing to work for less. But there quickly comes a point where the job isn't worth the pay.

You keep bringing up that you have a doctorate. Your point? In what? Does it really matter? If it were just for the pay, I wouldn't do this job either. But there does come a time when I won't do the job for the pay offered. Everybody has that point. I think many physicians are very close to it.

Back to my main point, name a comparable profession, if you can think of one.

I find this to be an interesting discussion. It's hard to know what others perceptions are.
 
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