55
   

AMERICAN CONSERVATISM IN 2008 AND BEYOND

 
 
cicerone imposter
 
  1  
Reply Tue 15 Sep, 2009 12:51 pm
@Foxfyre,
Foxie, You don't even understand the workings of insurance; how do you expect to understand universal health insurance?
0 Replies
 
wandeljw
 
  3  
Reply Tue 15 Sep, 2009 12:53 pm
Mel Brooks once said, "Tragedy is if, god forbid, I should get a hangnail. Comedy is if you were to fall in a manhole and die."
Foxfyre
 
  0  
Reply Tue 15 Sep, 2009 01:38 pm
@MontereyJack,
MontereyJack wrote:

So given all that, Fox, tell me why single-payer healthcare systems in every other industrial economy run at costs per capita about half of what our system does, cover everybody high-risk or not, produce better health care metrics than the US does, cover catastrophic illnesses, and haven't gone broke in the sixty years or so they've been in existence. We now have a large sample size and a long time of operation. This is not pie-in-the-sky we're talking here. It's objective reality.They work. They work better than the US.


I don't know that they do MJ since we aren't privy to see the books and analyze the real costs. We do know that people in those other countries pay taxes at a much higher rate than we do, and we also know that some of the folks from those other countries come here for some of their healthcare because the waiting lists are so long where they are, etc. or they can't get the treatment they need.

We also know that the population of a Great Britain or a Germany or a Canada is a small fraction and far less diverse than that of the USA, they are far less lenient in how they treat uninvited visitors than we are, and they perhaps value personal freedom less than at least most Americans do.

It's all in whether a person sees value in the freedom to take responsibility for himself/herself or whether she is willing to hand that over to the government.
Walter Hinteler
 
  1  
Reply Tue 15 Sep, 2009 02:08 pm
@Foxfyre,
Foxfyre wrote:

We also know that the population of a Great Britain or a Germany or a Canada is a small fraction and far less diverse than that of the USA, they are far less lenient in how they treat uninvited visitors than we are, and they perhaps value personal freedom less than at least most Americans do.


Okay. We certainly might value personal freedoms less the any citizen of the USA does.
But we've got nearly 200 insurance within the mandatory health insurance system and additionally 40 private health insurance companies.

I like this personal freedom of choices.

And I can go to any doctor I want to go, stay in any hospital I like - even in any EU-country (and Switzerland plus a couple more countries).
old europe
 
  3  
Reply Tue 15 Sep, 2009 02:16 pm
@Walter Hinteler,
You don't understand. Germany has a mandatory system. That means you're forced to pick one of 240 health insurance companies. If you live in Arkansas, on the other hand, you have pretty much the choice between Blue Cross Blue Shield or no insurance at all.

Because monopolies are real freedom. It's the free market at work.
Walter Hinteler
 
  1  
Reply Tue 15 Sep, 2009 02:27 pm
@old europe,
Oh. I see. Well, since I live in a country, brainwashed since 128 years about healthcare ... it's a weak excuse, I know.
0 Replies
 
cicerone imposter
 
  1  
Reply Tue 15 Sep, 2009 02:32 pm
@old europe,
And if the Obama administration adds a public option for health insurance, does that increase competition or stifle it?
0 Replies
 
cicerone imposter
 
  1  
Reply Tue 15 Sep, 2009 02:33 pm
@wandeljw,
wandel, Thanks for the laugh; it seems today's politics is just like that joke. LOL
0 Replies
 
Walter Hinteler
 
  1  
Reply Tue 15 Sep, 2009 02:53 pm
@Foxfyre,
Foxfyre wrote:


I don't know that they do MJ since we aren't privy to see the books and analyze the real costs.


I don't know what 'MJ' means here, but you can see of course the books and anylyse the real costs. (Though it would be good to have some knowledge of German and not only an online dictionary, I suppose.)


re old europe's response: I happened to have read in today's papers about a townhall meeting in Santa Fe: "America's first nonpartisan, physician-only town hall meeting".

... and in New Mexico, I would have the choice between Blue Cross and Blue Shield of New Mexico, Celtic Ins. Co., Lovelace Health Plans, UnitedHealthcare and none. Seems very socialised.
0 Replies
 
wandeljw
 
  3  
Reply Tue 15 Sep, 2009 04:00 pm
Quote:
House Votes to Discipline Wilson for Outburst
(FoxNews.com, September 15, 2009)

The House of Representatives, on the heels of an impassioned and lively debate, voted Tuesday to formally admonish Rep. Joe Wilson, R-S.C., for accusing the president of lying during a joint session of Congress a week ago.

The vote was 240-179. Five lawmakers voted "present."

Ahead of the tally, lawmakers hurled an arsenal of accusations at each other over the issue, with Republicans calling the effort a "partisan stunt" and Democrats stepping up their condemnation of Wilson's original offense.

The decision to punish him on the floor of the House was made even though Wilson apologized directly to the White House Wednesday night. He also issued a written statement expressing regret.

Wilson said earlier that he'd done enough and it's time to "move forward."

"There are far more important issues facing this nation than what we're addressing right now," Wilson said on the floor Tuesday. "(President Obama) graciously accepted my apology and the issue is over."

"This is a sad day for the House of Representatives. I think this is nothing more than a partisan stunt," House Minority Leader John Boehner said.

But House Democratic leaders wanted further action taken. Wilson shouted, "You lie," after Obama claimed his health care reform plan would not cover illegal immigrants -- it is against House rules to call the president a "liar" or accuse him of "lying" when the House is in session.

The language in the resolution, released Tuesday afternoon, said Wilson's conduct was a "breach of decorum and degraded the proceedings of the joint session, to the discredit of the House."

House Majority Leader Steny Hoyer made clear that he felt obligated to push the measure.

"None of us is happy to be here considering this resolution. I know I am not," he said on the House floor. But he said the issue of whether to proceed "with a degree of civility and decorum" is important.

"This is not about partisan politics or inappropriate comments," House Majority Whip James Clyburn, D-S.C., said. "This is about the rules of this House and reprehensible conduct."

The punishment took the form of a "resolution of disapproval," which is a milder version of other more traditional means of congressional discipline. Democrats said last week Wilson could avoid the slap on the wrist by apologizing to his colleagues on the House floor, but Wilson declined, noting his previous apologies.

A "resolution of disapproval" is not one of the four forms of discipline typically meted out in the House. The most commonly used means of punishment are expulsion, censure, reprimand or fine.

For instance, in 1997, former House Speaker Newt Gingrich was both reprimanded and fined for his book deal. Rep. Barney Frank, D-Mass., was reprimanded in 1990 for ethical breaches tied to a male prostitute. Republicans tried to censure Rep. Pete Stark, D-Calif., in 2007 for comments he made on the House floor about President Bush. But Democrats voted to set aside that effort.
JPB
 
  1  
Reply Tue 15 Sep, 2009 04:17 pm
@wandeljw,
This seems to fall under the heading of, "Never look a gift horse in the mouth", or some such thing...

Quote:
Today, I need your help more than ever before. I've been under attack by the liberals for months and they've done everything they can to quiet my very vocal opposition to more government interference in Americans' lives. Now, it's gotten even worse, but I will not stop fighting against their policies that will only lead to more government interference, more spending, and higher deficits.

I should not have disrespected the President during his speech. But I am not sorry for fighting back against the dangerous policies of liberal Democrats. I will not back down.

- Rep. Joe Wilson

Stand with Joe today and help fight back against liberal attacks by making a donation to his campaign. DONATE HERE.


The Donate button (I didn't post the link on purpose) brings up the following...

Quote:
Democrats in Washington would rather attack my husband Joe Wilson and the cause he stood up for that night than work with him and his colleagues to find a real solution to health care reform.

I'm proud of my husband. Our family is proud of their father. Our nation is proud of Congressman Joe Wilson.

Thank you for everything you are doing and have done for Joe and our family. It warms our heart to know that so many Americans support him.


sheesh....

let's wait and see if SC reelects him.
0 Replies
 
Foxfyre
 
  -1  
Reply Tue 15 Sep, 2009 04:18 pm
@old europe,
old europe wrote:

You don't understand. Germany has a mandatory system. That means you're forced to pick one of 240 health insurance companies. If you live in Arkansas, on the other hand, you have pretty much the choice between Blue Cross Blue Shield or no insurance at all.

Because monopolies are real freedom. It's the free market at work.


Monopoly?

Just those who are promoted by eHealth alone who certainly does not represent all:
Arkansas Individual and Family Health Insurance Providers

UnitedHealthcare
UnitedHealthcare offers the following Arkansas health plans:
28 Network

QCA Health Plan Inc
QCA Health Plan Inc offers the following Arkansas health plans:
18 POS

Humana
Humana offers the following Arkansas health plans:
16 PPO

Aetna
Aetna offers the following Arkansas health plans:
9 PPO

Celtic Ins. Co.
Celtic Ins. Co. offers the following Arkansas health plans:
6 Indemnity
15 PPO

Mercy Health Plans
Mercy Health Plans offers the following Arkansas health plans:
14 PPO

Arkansas Blue Cross and Blue Shield
Arkansas Blue Cross and Blue Shield offers the following Arkansas health plans:
14 PPO

Some monopoly!

It is our government who prevents people from going outside of Arkansas to find insurance though. Arkansas people are pretty well restricted to those companies that offer services in Arkansas. One of the GOP proposals was to allow insurance companies to compete across state lines--something the current government has not addressed and is not including in their reform package, but which would almost certainly bring down the costs to the consumers.

El Stud and I currently have excellent insurance that we would love to take to West Texas should we relocate there to be closer to our kids. But the law does not allow our insurance provider to operate in West Texas so if we move there we would not be able to take our insurance with us. And there is nothing in the current proposed healthcare makeover that would remedy that situation.
JPB
 
  2  
Reply Tue 15 Sep, 2009 04:32 pm
@Foxfyre,
Foxfyre wrote:

I disagree.


I know you do. That's why we're having this conversation. It's an opinion. Opinions can differ. My opinion is that HC is a service, yours (I think) is that it's a commodity that can be bartered and exchanged. A thing that some can afford and some can't, as if it was a item to be picked off the shelf at a store.

Quote:
Insurance companies are putting their capital and assets on the line every time they write a policy. A small business may pay say $4000/year in insurance premiums for work comp coverage. One injury can require the insurance company to pay that $4000 plus tenfold or a hundredfold or more. You can't tell me the insurance company is not assuming risk.

El Stud and I pay around $1,500 year for auto insurance on our cars. One small fender bender can wipe out all the premiums the insurance collected from us, and a major accident can wipe out all the premiums we will pay in a lifetime. That is not insignificant risk for the insurance company.

The average USA healthcare premium for maximum coverage for a family costs about $1,000/month. One emergency room visit by one member of the family can wipe out that month's premium. An illness or accident or surgery requiring just a few days in the hospital will easily wipe out two or three times the annual premiums. A major illness or accident can wipe out all the premiums the family will pay over a lifetime. That is not insignificant risk for the insurance company.


All of which are artificially low because high-risk individuals are excluded. You may think they're high enough but my premise is that if people really understood the cost of HC and other insured services, they would be much more concerned about where these dollars are being spent. By segmenting the population into low-risk and uninsured we're kidding ourselves into thinking we have a handle on costs.

Quote:
Because so many are dependent on the insurance company to remain solvent, who can quarrel with the insurance company turning down certain kinds of business for which there is unacceptable high risk and/or charging higher premiums for those that present much higher risk.


ANYONE WHO IS DENIED COVERAGE!!!! And, many who would see that practice prevented.

Quote:
Most states have insurance pools or have made some sort of that kind of arrangement to provide insurance for those that present more risk than the acceptable risk that the insurance companies can safely take on.
Quote:


Ah... the local/State public option --- thank you.

Quote:
But just as our government is not writing serous tort reform into its proposal or taking steps now to eliminate fraud and corruption from existing government programs, etc., it is also not even considering offering catastrophic insurance at an affordable cost and then letting the people arrange for their everyday needs. It won't even consider measures that would relieve the rest of us from being required to assume responsibility for the irresponsible.


You see... there you go assuming the uninsured and under-insured are simply irresponsible.

Quote:
Why is that do you think? Why is healthcare so much more critical than say housing or clothing or food? Why is the government presuming to require every citizen to pay for insurance for healthcare whether they want it or not, but do not require them to insure themselves for costs of other necessities of life?


Because we can no longer afford the cost of caring for everyone through emergency rooms. Because we can no longer afford to keep people alive for an extra few weeks or months. Because a majority of us can no longer look ourselves in the mirror and not see the pain all around us and want to do something. Sure, I'm a hard-ass when it comes to financial issues. But there's a human/humane component as well. It's simply the right thing to do.


mysteryman
 
  0  
Reply Tue 15 Sep, 2009 04:33 pm
@Walter Hinteler,
Quote:
And I can go to any doctor I want to go, stay in any hospital I like - even in any EU-country (and Switzerland plus a couple more countries).


What about Asia, Africa, the US or the pacific rim countries?

Is your health insurance good in those countries?
cicerone imposter
 
  1  
Reply Tue 15 Sep, 2009 04:40 pm
Quote:
Individual Market Health Insurance Reform: Portability From Group to Individual Coverage; Federal Rules for Access in the Individual Market; State Alternative Mechanisms to Federal Rules, [Federal Register: April 8, 1997 (Volume 62, Number 67)] [Rules and Regulations] [Page 16985-17004]. This interim final rule with comment period implements section 111 of the Health Insurance Portability and Accountability Act of 1996, which sets forth Federal requirements designed to improve access to the individual health insurance market.


http://www.cms.hhs.gov/HIPAAGenInfo/Downloads/HIPAALaw.pdf
0 Replies
 
Foofie
 
  1  
Reply Tue 15 Sep, 2009 06:27 pm
@Foofie,
Foofie wrote:

cicerone imposter wrote:

That's what the extreme conservatives have become; despicable congress members who have the support of like-minded republicans.

Palin, Wilson, Cheney, Rove, McCain, and Boehner; all representatives of the No Party.




What are the alternatives? One party with a few candidates vying for the same position? Or, a twin Democratic Party; perhaps, a fraternal twin - Democratic Right of Center? Due to the system of one person, one vote, the discourse on both sides is less than genteel sometimes.

It is no different, in my opinion, than a sports fan. One wants their team to win, since the winning team is in power. And, notice how there are always campaign promises that never get implemented. Politics, in my opinion, is a suckers game, since we do not live forever.




No answer?
0 Replies
 
old europe
 
  2  
Reply Tue 15 Sep, 2009 06:27 pm
@Foxfyre,
Foxfyre wrote:
Monopoly?


Not strictly, no. Rather highly concentrated. From the link:

Quote:
The Justice Department considers an industry to be “highly concentrated” if one company has 42 percent of the market. In Arkansas " Senator Lincoln should take note " Blue Cross Blue Shield has 75 percent of the market. If you take government self-insurance plans out of the equation, it’s higher. The state ranks as the ninth most concentrated in the country. Is it any wonder that insurance premiums have risen five times as fast as wages?



Foxfyre wrote:
It is our government who prevents people from going outside of Arkansas to find insurance though.


Wasn't the argument that the free market should take care of that problem? What prevents insurance companies from going into Arkansas to compete there, thus providing more choices for the people there?

Foxfyre wrote:
Arkansas people are pretty well restricted to those companies that offer services in Arkansas.


So why are no other companies offering services in Arkansas? If companies would be eager to provide services to the good people of Arkansas across state lines, why couldn't they be bothered to go into Arkansas and provide the same service there? Or, on the other hand: what makes you so sure that the companies that currently seem to be unwilling to provide services in Arkansas would be willing to provide services to somebody from Arkansas?
Foxfyre
 
  1  
Reply Tue 15 Sep, 2009 06:35 pm
@old europe,
Well you're the one who used the word 'monopoly' and you didn't qualify it. But I will accept your acknowledgement that you either misspoke or exaggerated for effect.

It isn't a matter of companies wanting to go INTO Arkansas. I want the right and ability for the people to go OUTSIDE Arkansas or whatever their state of rsidence for their insurance coverage. I don't know why BCBS is the biggest provider in Arkansas. Perhaps BCBS is an especially fierce competitor or state regulations or requirements discourage others from coming in. That happens in New Mexico a LOT--new regulations or especially annoying requirements send various insurance companies packing from time to time until the market becomes so narrow the legislature is inspired to fix the problem.

Just last week I was asked to research insurance carriers who write highly specialized policies for a friend of a friend who is starting up a new, high risk business. The friend just retired from Allstate, one of the nation's biggest liability carriers, and she knew Allstate wouldn't touch this new policy with a 10 ft pole. I had more experience with a variety of specialty carriers than she did and I did find two affordable carriers who would write that kind of business. But, there was no restriction against going out of state for this particular kind of policy.

I wouldn't trust our government spokespersons or those they solicit or strong arm as advocates to tell you straight up how it is here. Those who work in the business know that is not the best way to learn the whole truth.
old europe
 
  3  
Reply Tue 15 Sep, 2009 06:53 pm
@Foxfyre,
Foxfyre wrote:
It isn't a matter of companies wanting to go INTO Arkansas.


Why isn't it? As far as I understand your position, you seem to argue that leaving it to the free market would be the best solution to provide people with health insurance or health care.

If that's true, then the obvious question is: why aren't more insurance companies going into Arkansas? They are completely free to do so, and by offering their services to a greater number of people, they could increase their profits. What is stopping them from going into Arkansas now? Is it that there's not enough money to be made from people in Arkansas? What's the flaw in the free market that is currently keeping Arkansas people from being offered a greater number of insurance programs in their own state?

Foxfyre wrote:
I want the right and ability for the people to go OUTSIDE Arkansas or whatever their state of rsidence for their insurance coverage.


What makes you believe that out-of-state insurance companies want people from Arkansas as their customers?

Foxfyre wrote:
I don't know why BCBS is the biggest provider in Arkansas. Perhaps BCBS is an especially fierce competitor or state regulations or requirements discourage others from coming in. That happens in New Mexico a LOT--new regulations or especially annoying requirements send various insurance companies packing from time to time until the market becomes so narrow the legislature is inspired to fix the problem.


Are you saying that the government should not only keep out of the health insurance business, but also refrain from regulating the market? How would that improve the situation? Wasn't the lack of regulation part of the problem in the banking sector, or in the credit card business?

Foxfyre wrote:
I wouldn't trust our government spokespersons or those they solicit or strong arm as advocates to tell you straight up how it is here. Those who work in the business know that is not the best way to learn the whole truth.


I don't see the statements made by spokespersons of private enterprises to be necessarily much more reliable.
old europe
 
  3  
Reply Tue 15 Sep, 2009 07:09 pm
@Foxfyre,
Foxfyre wrote:
I don't know that they do MJ since we aren't privy to see the books and analyze the real costs. We do know that people in those other countries pay taxes at a much higher rate than we do, and we also know that some of the folks from those other countries come here for some of their healthcare because the waiting lists are so long where they are, etc. or they can't get the treatment they need.


We can look at reports that try to tally the cost of health care, though. We can look at the current OECD report to get an idea of how much money countries spend on health care:

Health expenditure as a share of GDP, OECD countries, 2007
http://imgur.com/MBLr5.png



Health expenditure per capita, public and private expenditure, OECD countries, 2007
http://imgur.com/QtyT6.png
0 Replies
 
 

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