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Health Insurance versus Health Care

 
 
Khethil
 
  1  
Reply Sat 27 Mar, 2010 01:34 pm
@EmperorNero,
Let's recap here. I spoke about the idiocy of medical care being a for-profit enterprise. To which this person responds:

EmperorNero;143744 wrote:
The profit motive should be removed? Why do you Marxists think there is a health care system in the first place?
In case you didn't know, that whole communism thing only sounds nice in theory, it didn't work out in the Soviet union.
[INDENT]Health care as Profit and communism - Not the same issue
Not the same country
Not the same culture
Completely dissimilar resource pools
Not the same people
Disparate ideologies
Not the same history or priorities
Different historical periods
Vastly different set of people with different goals
Different National Priorities
One is how you get treated, the other is a political philosophy
Vastly divergent contexts
...and the list goes on and on
[/INDENT]Yes... excellent comparison. Bravo

It's this kind of vague impugning and horribly juxtaposed comparison that blinds people to one course of action or another. Another term for this is mudslinging; where if I can apply a supposedly-negative label to a course of action, I can hope to influence others by that negative association (this is called labeling). In so doing, it seeks to steer judgment via emotionally-loaded term-associations; to influence judgement via emotional reaction rather than any potential merits

For anyone else who might be interested, here's the idea: There are some endeavors that don't make ethical sense to be for profit. Think about it...

  • Apples are OK as a For-Profit Business: If you can't pay, you don't get them
  • Bicycles are OK as For-Profit Sales: Want a bike? Sure! But only if you can pay for it
  • Bleeding out after you're run over by a truck: Ok, sit down and let's talk price - if you don't have the money, please keep the mess to a minimum.

The third example illustrates (on an ethical level) where Medical Care, as a for profit industry, fails. If you'd like more general examples of what kind of human behaviors we can expect where profit is involved, see any history book.

If we're OK letting folks die because they don't have the cashola, great! The problem is, there are people who are not (and virtually all city/county hospitals in this country aren't). Who pays for these people; those who can't afford insurance?[INDENT]From 2000 to 2009 the average Medical Insurance premium for a family has risen over 100% to over $ 13,000 per year (Kaiser Family Foundation; Health Research & Educational Trust). This was 2009 - last night I heard the figure closer to $ 22,000.

Medical costs are so high in the U.S. it accounts for between 20 to 60% of bankruptcies (sources disagree widely on this; the lowest puts it at about 17%, the highest 58% while still more say its the single-highest reason).
[/INDENT]If we're not OK letting folks die because they can't afford insurance, then its in all our best interests to provide a common solution. In the majority of the world's industrially-developed countries, they've been smart enough to put into play public services that provide this.

Right now, the United States lacks the foresight and humanity for this kind of solution. I believe we'll get there, but for those reading this here and now; No Dice - not for the foreseeable future. A multi-billion dollar consortium has pulled out its war chest and gone whole-hog with the public relations campaign, seeking to play off the steriotypes, bigotries and patriotism to keep itself fat, dumb and happy. Untold hundreds of millions of dollars have been spent influencing law makers, media outlets and local officials to ramp up the hate, mudslinging and frenzy all those of discontent to demonize this one issue. How pathetic, how embarrassing and oh what a shame.

Drawing historical correlations can be a useful tool; but when sad comparisons are tossed about we simply fuel the fire - the same fire that blinds us to the reality of the very problems most in need of repair.

Thanks
EmperorNero
 
  1  
Reply Sat 27 Mar, 2010 03:07 pm
@Khethil,
Khethil;144750 wrote:
Let's recap here. I spoke about the idiocy of medical care being a for-profit enterprise. To which this person responds:

[INDENT]Health care as Profit and communism - Not the same issue
Not the same country
Not the same culture
Completely dissimilar resource pools
Not the same people
Disparate ideologies
Not the same history or priorities
Different historical periods
Vastly different set of people with different goals
Different National Priorities
One is how you get treated, the other is a political philosophy
Vastly divergent contexts
...and the list goes on and on
[/INDENT]Yes... excellent comparison. Bravo


Sorry, if you want the state to take over industry and allocate goods according to need, that's communism. Or state capitalism, or whatever you choose to call it. That's what proponents of socialized health care want, and that's what Stalinists did. That American state capitalists don't speak Russian doesn't somehow mean their support of state capitalism is different ideologically than Soviet union state capitalism.

Khethil;144750 wrote:
t's this kind of vague impugning and horribly juxtaposed comparison that blinds people to one course of action or another. Another term for this is mudslinging; where if I can apply a supposedly-negative label to a course of action, I can hope to influence others by that negative association (this is called labeling). In so doing, it seeks to steer judgment via emotionally-loaded term-associations; to influence judgement via emotional reaction rather than any potential merits


It's not mudslinging to call things what they are. It's not "emotional" nor "labeling" to point out that the ideology is the same. Many of the people who want health care call themselves communists and socialists. It's not "fear mongering" to call them that, that's what they are.

It's the same goals, the same underlying assumptions, the same arguments. "Poor people are hurting, we need the state to take over industry so goods can be allocated according to need, and not that evil, evil profit motive."
I call an apple an apple, because it is an apple.

Khethil;144750 wrote:
For anyone else who might be interested, here's the idea: There are some endeavors that don't make ethical sense to be for profit. Think about it...

  • Apples are OK as a For-Profit Business: If you can't pay, you don't get them
  • Bicycles are OK as For-Profit Sales: Want a bike? Sure! But only if you can pay for it
  • Bleeding out after you're run over by a truck: Ok, sit down and let's talk price - if you don't have the money, please keep the mess to a minimum.

The third example illustrates (on an ethical level) where Medical Care, as a for profit industry, fails. If you'd like more general examples of what kind of human behaviors we can expect where profit is involved, see any history book.


Soviets made exactly that argument for food and shelter... and health care. The main elements of communism and fascism were that liberalism fails and a strong state needs to resolve those flaws. Exactly your argument...


And... it's wrong. A for profit health care industry wouldn't "fail" more than a for profit bread industry. Is starving in front of a bakery, and the baker saying "ok, sit down and let's talk price", any better than your example of being hit by a truck? Then you tell me why a free market health care industry wouldn't work, but a free market bread industry would. All you can come up with are not flaws of liberalism itself. Thus these failures are not flaws of liberalism and could be fixed within a free market framework. We don't need communism (or fascism; they advocate the same on this issue) to save us.


So why can't some people afford health care? The reason is not that there is a lack of physical abundance for the underclasses. It is simply not true that free markets only offer material abundance to a few rich people. In 21st century America everybody can enjoy material abundance that was luxury a generation ago, if we had the right free market framework.

The reason that some lack ability pay is that we have to pay for health care long before we can enjoy it. When we don't prioritize buying food, there is a immediate incentive to get some. But not properly taking care of our future health care needs has no such immediate feedback. Therefore we can happily ignore it until we need a huge chunk of money for a surgery. Then it is too late, and we can't pay for it. But not because we lack the physical wealth, but because we decided to buy other stuff instead. It requires personal responsibility to prioritize health care over other short-term interests.

I think many confuse short-term ability to pay with a long-term lack of material abundance. If the underclasses simply couldn't afford health care, but we decide that they should have it, then the obvious solution is communism on health care. But that is not the case. The problem is not a long-term lack of material abundance, but a lack of individuals prioritizing health care through the right long-term financial decisions. Government handouts can never fix that. Handouts only subsidize lack of responsibility.

A free market framework could take care of the immediate problems with the broken system; that insurance companies drop their patients for flimsy reasons, that health care costs more when paid out of pocket, etc. All this does require government oversight. And yeah, let's have some handouts for those truly in need. But the solution is not having the government run health care, the solution is returning the free market to the health care system.

Khethil;144750 wrote:
A multi-billion dollar consortium has pulled out its war chest...


Quit with your "the evil capitalists want the free market". Guess who wrote the health care legislation. Guess who benefits from state capitalism, yeah, the evil capitalists. Why do you think the insurance companies stock went up after the passing of the health care bill?
xris
 
  1  
Reply Sat 27 Mar, 2010 03:08 pm
@Khethil,
Excellent post khethil, the best this year. If only common sense would take hold, it could be resolved.
cruise95
 
  1  
Reply Sat 27 Mar, 2010 03:37 pm
@xris,
Rwa001 has a good point. The societies in Britain and US are quite different and to say that the British system would work in the US is dependent on the US making so many changes so that the two are vaguely distinguishible. I have heard too that socialized governments are more efficient at government spending than are capitalist government. The two governments are designed differently and thus you just cannot simply declare that what works in one country will work in another. I wish that I had more facts under my belt...but I do know a substantial amount about human nature and behavioral attributes.

xris;144082 wrote:
If you look at other countries with national health care they may not be perfect but they are beneficial to all its citizens. You can exclude certain government interference but if they assist then they are taking care of tax payers interests.

This statement is a matter of opinion. I am parsing the sentence carefully like I am apt to do in matters of importance. It may provide health care to all its citizens and it may be benoficial to many citizens. However you cannot claim that it is "beneficial to all". For the same reason you cannot claim that "they are taking care of tax payers interests". Many other citizens are disappointed and disturbed by the NHS for example.

xris;144082 wrote:
The perfect model would be a benevolent society that has corporate responsibility, with the clients as their share holders. Socialists and capitalists governments always fear real power being in placed in the consumers hands.

I firmly agree with this statement. I have stated and believe that those that deserve health care should have it and it is societies responsibility to provide this. This is not the issue...the issue is personal dignity and control. For example the problem with a system such as the NHS (as stated in this link below is: "There is no direct link between those who pay (taxpayers) and those who consume - the third party payer problem. There is no direct link between those who deliver and those who consume - de facto monopoly."

NHS Patients frequently left "Sobbing and Humiliated" - The UK Libertarian

xris;144239 wrote:
Your failed right wing establishment has failed your country , your people and the world.

This rant, though directed at EmperoNero, needs some cleaning up. America was born with a more libertarian feel and government was considered a necessary evil by the founders of America who came from Britain. Too my understanding, it is precisey because of our right wing establishment we have accomplished way more than any other nation in our 232 year history. We have done more to help other countries...unless you would secretly like to speak German and even run your personal gas chamber.
Quote:
A country that had everything is being reduced to a propaganda led corporate ghetto, trying to blame anything social and calling it a communist inspired downfall of this great America. Get real its your corporate greed and this damned self interest thats killing your economy.

By many accounts America suffered its worse depression ever from 1920 - 1921. However, government involvment was kept to a minimum as the this depression was also the shortest live followed by the greatest economic boom America has ever seen. America had everything precisely because of its right wing positions. It was after the fostering of more social ideas that American's suffered.
I've already stated that my philosophy aligns closer to libertarian thought. I am partial to the founders of America who saw government as a necessary evil. I believe that we could use some more regulations on insurance companies if that is the road that we want to take. But I'm also of the opinion that there should be no middle man to complicate the issues so that cusomers had direct access to hospitals and doctors without the need of the NHS or any other enity public or private.
Quote:
The worlds changing, stop being so damned insular and realise we all need to help each other.

You are right that we should help one another since we are all part of the human race. But anyone who tolerates and even ignores irresponsible actions are themselves responsible for allowing those injustices. So while we should help others out through our own good will (and not because we are forced or threatened) we should not waste our resources on irresponsible actions that will only prove inefficient and a blight on humanity.

---------- Post added 03-27-2010 at 04:42 PM ----------

Dave Allen;144584 wrote:
Homely looking people aren't less or more productive than good looking ones. What's cheaper or more effective about good looking people? But yes, in extreme cases cosmetic surgery has been offred on the NHS, and has turned people who would have otherwise not wanted to contribute to society into people who can.
Hilarious. No hold on, what a total berk are you? Grow the Hell up you adolescent prat.


You not only are very unaware of you mortality, but you also contradit yourself. I see that you have little understanding of the world that we live in. Utopia is a great thing...but we're not there.
Rwa001
 
  1  
Reply Sat 27 Mar, 2010 03:48 pm
@xris,
Quote:
For anyone else who might be interested, here's the idea: There are some endeavors that don't make ethical sense to be for profit. Think about it...

  • Apples are OK as a For-Profit Business: If you can't pay, you don't get them
  • Bicycles are OK as For-Profit Sales: Want a bike? Sure! But only if you can pay for it
  • Bleeding out after you're run over by a truck: Ok, sit down and let's talk price - if you don't have the money, please keep the mess to a minimum.

The third example illustrates (on an ethical level) where Medical Care, as a for profit industry, fails. If you'd like more general examples of what kind of human behaviors we can expect where profit is involved, see any history book.


So with apples, if someone were starving, you'd be ok with asking them to politely die somewhere not within public view?

In whatever case, as I said before, I'm not opposed to what you've presented, but you've failed to address my post and its concerns. Which, coincidentally, are the commonplace concerns of most Americans presently.
cruise95
 
  1  
Reply Sat 27 Mar, 2010 03:50 pm
@xris,
xris;144470 wrote:
You have lost me on this one, what point are you attempting to make?


I was just kidding a bit. But I was just pointing out the fact that many things are responsible for a person's efficiency on this planet and I feel that this was overlooked in the previous post.
0 Replies
 
EmperorNero
 
  1  
Reply Sat 27 Mar, 2010 03:51 pm
@cruise95,
cruise95;144823 wrote:
Rwa001 has a good point. The societies in Britain and US are quite different and to say that the British system would work in the US...


European health care systems are tiny compared to that of the US. The US health care system is equivalent to the entire economy of France. Some of the northern European systems, that these people idolize, wouldn't even be visible on a pie chart.
Those socialized health care systems aren't cheaper because socialism does work contrary to historic experiment, they are essentially externalities of the US system. They are covertly subsidized by the US system. If the US tried to copy European "success" it wouldn't work and European systems would break down (faster). So it's weird the Europeans on this forum should have this position, since they do have great self-interest in the US not switching away from it's (semi-)free market health care system.
0 Replies
 
xris
 
  1  
Reply Sat 27 Mar, 2010 04:05 pm
@cruise95,
You see before you a ranting modern Caesar, Nero, unable to divorce his twisted reasoning from common sense. His attitude is the problem you have in your society. He would prefer America to burn to the ground rather than face the fact that social efforts give benefits for one and all.

The NHS has its critics and on occassions ,Im one of them. A large service such as this, as big as allot of countries economy, will have its critics and its problems. What you must consider is, on the majority of cases it works extremely well and as I have mentioned before at fraction of the cost of the American example. It is abused and penalties for abuse must be incurred.

If those who can afford the extra health care for immediate treatment with 5 star hotel class accommodation, its available. Now it might not be appropriate for America but I can assure its a darned site better.

Is there any American reading this that would like to reduce his health burden by two thirds and know every one in his country would receive medical treatment no matter what his means or his needs are? If so could you tell me why?

---------- Post added 03-27-2010 at 05:13 PM ----------

EmperorNero;144831 wrote:
European health care systems are tiny compared to that of the US. The US health care system is equivalent to the entire economy of France. Some of the northern European systems, that these people idolize, wouldn't even be visible on a pie chart.
Those socialized health care systems aren't cheaper because socialism does work contrary to historic experiment, they are essentially externalities of the US system. They are covertly subsidized by the US system. If the US tried to copy European "success" it wouldn't work and European systems would break down (faster). So it's weird the Europeans on this forum should have this position, since they do have great self-interest in the US not switching away from it's (semi-)free market health care system.
How in the hell are you subsidising British health service, your rhetoric is becoming more and more desperate.

You dont need a national system it could be State administered.

If it works..so now your saying America should not succeed because it would make ours fail...your mad. you really are.

---------- Post added 03-27-2010 at 05:17 PM ----------

Rwa001;144828 wrote:
So with apples, if someone were starving, you'd be ok with asking them to politely die somewhere not within public view?

In whatever case, as I said before, I'm not opposed to what you've presented, but you've failed to address my post and its concerns. Which, coincidentally, are the commonplace concerns of most Americans presently.
If you have people starving then this debate has to move to third world ethics. If you read my posts its not about costs to the citizen its changing the idea that profits and health should get a divorce.
0 Replies
 
Khethil
 
  1  
Reply Sat 27 Mar, 2010 04:53 pm
@Rwa001,
Rwa001;144828 wrote:
...but you've failed to address my post and its concerns.


I wasn't addressing yours. I'll check it out though. Thanks

---------- Post added 03-27-2010 at 05:54 PM ----------

Rwa001;144828 wrote:
So with apples, if someone were starving, you'd be ok with asking them to politely die somewhere not within public view?


It depends. Would we feed a starving person like some hospitals treat a penniless person?

I don't know - depends on what the people want.
0 Replies
 
salima
 
  1  
Reply Sun 28 Mar, 2010 05:29 am
@BrightNoon,
the fact that people cannot all afford health insurance is not the same thing as all people cannot afford food and shelter-it is also true that not all people can afford to save enough money for retirement. if people truly cannot afford it, that is not the same thing as those who decide to gratify themselves in the present and suffer the consequences later. these are two completely different situations and I find it hard to see why people are getting them mixed up together.

I dont know what my philosophy's name is or what my political direction is, but in my opinion having health care when you are ill or injured is a necessity just like food and shelter. but if someone chose not to buy food even though he had money but wanted to play games instead, or buy drugs or shoes or go on trips across the world, they deserve no help and to give it to them is only enabling. let them choose.

asking for government operated health care is not the same as giving guaranteed contracts to huge insurance companies. which of these two things is the bill proposing we do?

I disliked the mandate of taking money out of my paycheck for social security just as much as I would dislike giving it to insurance companies. that is the Boss Man forcing me to do something for my own good. but I would never complain about having money taken out of my pay to pay for health expenses for someone who couldnt do it on their own any more than I would object to giving part of my wages to buy food and provide shelter for someone who wasnt able to work or had not been able to save enough for his own future. I dont see why it is that hard to determine the difference between those who choose not to prioritize the basic essentials of life in their budget and those who simply dont have enough income to cover it. but the obvious thing to me is that we cant take from everyone equally-trying to take money from someone who hasnt enough to help someone who has less is ridiculous.

well, I know I am not a capitalist. but these principles already exist in the system that tries to levy higher percentage of income tax on those who make more money. the fact that it isnt enforced and people with fat wallets get to buy their way out of it or maintain loopholes is another untold story.
0 Replies
 
Khethil
 
  1  
Reply Sun 28 Mar, 2010 05:40 am
@EmperorNero,
EmperorNero,

There are a good many points I could address in your reply, but I'm not sure there'd be much communication (two-way, that is) taking place. This isn't a slam, I think its likely just counterproductive to nitpick on a topic this complex. I would; however, like to add some thoughts: Some specific, most generally/philosophically:[INDENT] In the post to which you're replying, my point was that I feel that due to the immediate life-saving nature of medical care, to have such care be contingent on profit motives is spurious. In that post, I wasn't necessarily advocating government oversight or control of such resources, only that being this way, I believe we would all would be better off (by making it more affordable, to some greater or lesser extent) if all medical care were done on a non-profit basis. This would not "solve" the whole problem; there are many exacerbating factors. I nonetheless think it prudent to consider.[INDENT] Now, to be fair, I do happen to feel the U.S., now, would be well advised to socialize its medical industry; an imperfect solution for a complicated situation. Yes, I too wave the banner of capitalism, but not in a purist sense for all things or all situations. What economic system serves the interests of the people best for each industry depends on what we're talking about and a litany of other factors. The dynamics of individual entrepreneurialism can work for or against us - the right tool for each specific job. Yes I know we disagree on this. That's OK too
[/INDENT]To my post you replied, "You Marxists..." - somehow I doubt that was meant as either complimentary or neutrally since all you've written demonize Marxist philosophies. And since advocating non-profit institutions isn't - in an of itself - an exclusively Marxist notion, it has therefore no other net effect or ostensive motive, than to cast someone individually (in this case, myself) in a negative light by applying what you see to be a negative categorization. This is mudslinging. Sure, you can stretch the situation to rationalize term-slinging on individuals like this. But I find it counterproductive and, quite frankly, quite tiresome. Take that for what you will.

You spoke at length about Personal Responsibility as being the solution to the woes of the medical care quandary in the U.S. - I happen to agree that lack of such is a problem (that there are a number of people who have not planned responsibly for their own care). I too wish this could be otherwise. Unfortunately, everyone else's personal responsibility - to the extent to which this is applicable - isn't something we have control over externally. Either individuals learned this or they didn't. There will always be those who don't plan and don't take the wise path. Many people such folks should be left to die - and in a certain light perhaps that could be just. But just how would you determine whether or not someone should have planned ahead? And what would you do if you could determine this? Might you review their lives, psychology, finances, childhood teachings and then make a decision, "You should have known!" or not? Determining fault is what we're talking about here. Yes people should plan ahead, Yes they should be responsible, Yes they should work hard and provide for themselves. Whether or not someone could or should have done better (or more responsibly) is iffy and likely not even be knowable.[INDENT] In this same light one could justifiably cast the issues of Preventative Medicine, Fitness, Healthy Habits and much more. But think it through: Just how far are would we take this? Shall we outlaw red meat and beer? So yea, while I agree with you on the sentiment, I believe the complexity of human behavior prevents us from sitting on our laurels and saying, "You shoulda done better!" as a blame-factor in any just fashion. Yes it applies in some cases yet not in others, who's going to determine this?
[/INDENT]Yes, I cast Profit-Taking as a major part of the U.S.'s current medical care problem. But it's not the only problem and may not even be the biggest part of the fix we're in now; it's simply the one I was grinding about earlier. Since I'm on a roll here, if I were to say "This is the Biggest Factor causing our Problem", I'd say that under the current system, if everyone had sufficient insurance coverage, we'd not be hurting as we are. I looked ahead and specifically chose a career from which I could retire and retain medical benefits. Some didn't, some couldn't, some can't afford it, some won't spend the money on it. If we're going to talk about "what's the biggest reason" for not having insurance; before we fly off and point fingers at one_single_cause, how might we know the truth of which is more/most profuse?

Again, drawing a connection between Soviets, Communism, Maxism and Fascism is disconnected, counterproductive and inaccurate. When we speak of larger philosophical political and economic systems there are elements that do apply. But their connection is small and inflammatory and doesn't do your points justice. And Yes, I know you don't agree.
[/INDENT]The Right Tool for the Job, in what I consider to be the "best" scenario would include considering ALL alternatives. I don't believe the medical care should be contingent on how much cash you have or whether or not you can afford insurance. The reason for this is simple: As a people, we are relatively well off enough to provide for ourselves medically. If our nation didn't have the collective resources (as perhaps an impoverished nation doesn't) then so be it, but we do. We collectively manage the most important in-common interests: National Security, Product Safety, Law Enforcement (just to name a few). Why not the most essential, most in-common aspect?: The ability to live! I believe that its wise to consider the merit of this argument; regardless of the bias' we have for what system it looks like or what that label might be.

Yep that's collectivism. Yep that's Welfare State-thinking. Yep, it was an aspect of both Communist and Socialist thinking; so what. If I need a hammer, I'm not going to not consider using it because what folks have done with a hammer in the past. There is such a thing as diversity in the how such things are implemented. Could we collectively manage our medical care in a distinctly American way that reflects our values and national priorities?

I think so.

Thanks
salima
 
  1  
Reply Sun 28 Mar, 2010 08:56 am
@Khethil,
Khethil;145115 wrote:
EmperorNero,

There are a good many points I could address in your reply, but I'm not sure there'd be much communication (two-way, that is) taking place. This isn't a slam, I think its likely just counterproductive to nitpick on a topic this complex. I would; however, like to add some thoughts: Some specific, most generally/philosophically:[INDENT] You spoke at length about Personal Responsibility as being the solution to the woes of the medical care quandary in the U.S. - I happen to agree that lack of such is a problem (that there are a number of people who have not planned responsibly for their own care). I too wish this could be otherwise. Unfortunately, everyone else's personal responsibility - to the extent to which this is applicable - isn't something we have control over externally. Either individuals learned this or they didn't. There will always be those who don't plan and don't take the wise path. Many people such folks should be left to die - and in a certain light perhaps that could be just. But just how would you determine whether or not someone should have planned ahead? And what would you do if you could determine this? Might you review their lives, psychology, finances, childhood teachings and then make a decision, "You should have known!" or not? Determining fault is what we're talking about here. Yes people should plan ahead, Yes they should be responsible, Yes they should work hard and provide for themselves. Whether or not someone could or should have done better (or more responsibly) is iffy and likely not even be knowable.[INDENT] In this same light one could justifiably cast the issues of Preventative Medicine, Fitness, Healthy Habits and much more. But think it through: Just how far are would we take this? Shall we outlaw red meat and beer? So yea, while I agree with you on the sentiment, I believe the complexity of human behavior prevents us from sitting on our laurels and saying, "You shoulda done better!" as a blame-factor in any just fashion. Yes it applies in some cases yet not in others, who's going to determine this?
[/INDENT]Yes, I cast Profit-Taking as a major part of the U.S.'s current medical care problem. But it's not the only problem and may not even be the biggest part of the fix we're in now; it's simply the one I was grinding about earlier. Since I'm on a roll here, if I were to say "This is the Biggest Factor causing our Problem", I'd say that under the current system, if everyone had sufficient insurance coverage, we'd not be hurting as we are. I looked ahead and specifically chose a career from which I could retire and retain medical benefits. Some didn't, some couldn't, some can't afford it, some won't spend the money on it. If we're going to talk about "what's the biggest reason" for not having insurance; before we fly off and point fingers at one_single_cause, how might we know the truth of which is more/most profuse?
[/INDENT]
There is such a thing as diversity in the how such things are implemented. Could we collectively manage our medical care in a distinctly American way that reflects our values and national priorities?

I think so.

Thanks


khethil, i pretty much agree with what you are saying. but i believe it wouldnt be that hard to determine who was in a position to pay for insurance and who was not. we dont need to go back to their childhood and find out what values were instilled in them or what their environment was like, it is a simply mathematical equation of how much money they earned and what the normal expenses are for someone in their age bracket taking into consideration the number of dependents they have etc. we can choose to err on the side that gives them the benefit of the doubt. and we dont need to go into whether or not they led a healthy lifestyle as far as their diet and other habits are concerned or their chosen profession in life. certainly that relates to their need for insurance or their likelihood of becoming ill or sustaining injuries, but does not have any bearing on whether or not they were able to afford the price of medical insurance. the bottom line is not did they do what they should have, it is a question of did they have the means to do so if they chose to. this could easily be agreed upon, except that no one seems to be able to agree on anything. of course it is not entirely knowable, but it can certainly be estimated.

that is what can be done if there has to be medical insurance in the first place. the second part of the issue is why is there medical insurance? why are medical costs not affordable? were that the case, each person would have the option to save a certain amount in case of medical emergencies, which if it is not used one year would already be there for the next year and then they wouldnt have to put any more money in the pot year after year and get nothing back, which is essentially what insurance does for/to people.

then there is the issue of malpractice insurance, and the american dream of winning a lawsuit which is even better than the lottery. this drives up the price and once again it is the insurance companies who win.

you are certainly right there is no way to pinpoint the leading cause or only cause of the problem-it is only possible to specifically identify and target for change the ones we can.

and for the sake of diversity, i take the risk of repeating myself because i know i have mentioned this before on other threads, but here is how it is where i live:

1-there is free government medical care for the poor. these people are absolutely dirt poor and will probably die from starvation before they ever need it...otherwise they would choose to spend money for better medical care. but let's be realistic...it works for them

2-there is affordable medical care for the middle class, and as an example i just had two cataract operations which didnt upset my normal budget one bit. any operation or treatment i would be most likely to need i would be able to afford through a small savings. my blood pressure medication costs me about four us dollars a month. it is not a cheap water pill, either. the amount of antibiotics or antihistamines and aspirin the average person needs are very very minimal in price.

3-there are the tourist hospitals with the firstrate equipment and high paid doctors which the higher middle class and upwards can choose to frequent, and of course foreigners come here for their medical care as well because it is still far below the cost of healthcare in america.

4-there is no malpractice insurance and i have never heard of a doctor or hospital being sued. i have seen a few instances where they are questioned when there is suspicion of criminal intent. often the family members of a patient who has died, be it the fault of the caregivers or not, may resort to violence and attack the staff and damage property-this keeps the doctors on their toes.

there is more diversity than one can begin to imagine...

i could be wrong, but i think the whole problem of the price of medical care in america is in part to blame for the disintegration of the economy. what i mean to say is, the over pricing of medical care was there before the economy crashed. it is both a cause and a symptom, and part of a circle that seems to have no immediate end in sight.
Khethil
 
  1  
Reply Sun 28 Mar, 2010 09:58 am
@salima,
salima;145147 wrote:
... we dont need to go back to their childhood and find out what values were instilled in them or what their environment was like, it is a simply mathematical equation of how much money they earned and what the normal expenses are for someone in their age bracket taking into consideration the number of dependents they have etc....


Yes, this is possible. I could see how we could come up with a basic criteria (ratio -vs- expenses) perhaps. This is a good option. It does get complicated; however, especially in determining what expenses are necessary, then by extension the perception that we're limiting folks' personal liberty in what they can call a legitimate expense.

Even then, what do you do with the folks that do fall below the threshold (i.e., that fit in the "Can't Afford Insurance") category?

salima;145147 wrote:
...it is a question of did they have the means to do so if they chose to.


Sure, I think it's a good suggestion towards making the "You must if you Can"-option. Still, what is chosen as 'excusable' expenses or not will make it complicated; not unworkable, but complicated. Nice thinking

salima;145147 wrote:
...the second part of the issue is why is there medical insurance? why are medical costs not affordable?


And this, of course, is the bigger question as to why our system is in such trouble. Why its so expensive depends on who you ask. The two major contributing factors (I believe) are: Compensating price increases to cover those treated but didn't/couldn't pay -and- the fact that there are multiple levels of distributors for all medical supplies (each taking their cut of profits). I have first hand experience with this, and for those who believe these claims are over-bloated, they're definitely not. The amount of price jackup for each level in the distribution chain makes the old $500 Hammer (of the DoD ripoff scandles) look tame.

salima;145147 wrote:
...were that the case, each person would have the option to save a certain amount in case of medical emergencies..


This is one of my solutions, by the way. I have insurance, but it has caps, limits and deductibles. To account for these, I have emergency funds tucked away. A lot of us do this for a rainy day.

salima;145147 wrote:
... then there is the issue of malpractice insurance, and the american dream of winning a lawsuit which is even better than the lottery. this drives up the price and once again it is the insurance companies who win.


Oh my god yes - we outta stick this one up there as a causal factor in the high cost. Yep, we're a grossly over-litigious society. Combine this with our over-valuation of material goods and you've got dollar signs flashing in some folks' eyes. Make no mistake, there are definitely instances where a lawsuit is warranted, but how much are or are not justified, I've no idea. I'd say this is definitely a major contributor.

salima;145147 wrote:
1-there is free government medical care for the poor. these people are absolutely dirt poor...

2-there is affordable medical care for the middle class...

3-there are the tourist hospitals with the firstrate equipment and high paid doctors which the higher middle class and upwards can choose...

4-there is no malpractice insurance and i have never heard of a doctor or hospital being sued.


I think this is an overall outstanding set up. For number four, I'm a little leery. As I said, there are quite a few unnecessary/unwarranted malpractice suits, but I firmly believe that there are those cases where a clear injustice has been committed and compensation is in order. So I'd think some sort of malpractice system should be in play - perhaps wherein the cases and criteria are more tightly controlled.

salima;145147 wrote:
i could be wrong, but i think the whole problem of the price of medical care in america...


Yea, given how much of a slice of our economy is comprised of medical-related goods and services (combined with how much its been inflating), I'm sure it played its part. How much or how significant, I'm honestly not sure.

Thanks, nice reply and good idea up top there.
xris
 
  1  
Reply Sun 28 Mar, 2010 01:43 pm
@Khethil,
As philosophers you should be more aware ,than others, that we are never masters of our ability or have the freedom to choose wisely by the nature of back ground. How many fine minds waste in the wilderness because of being born in the wrong square mile. Thank yourselves lucky you might have the ability to pay, none choose at birth to be stupid reckless or plain lazy. Make allowances for those less capable than you, dont your ethics permit this?

What I find amazing that a country that prides itself on its christian values ignores its basic tenet. A few play the game of self satisfying charitable works with all the public display of performing seals. In reality they are pithing in the ocean but they dont really care as long as the public facade is maintained.

Call me a Marxist a trotskyite what ever you like but I'm proud that my country has had the ability to treasure all its citizens. We are as strong as our weakest, today's looser may be our future saviour. Many incapable of securing health benefits are so often called upon to lay down their lives, if you require them to serve, surely you should be prepared to serve them?

Sorry for the rant but this subject rattles my cage.
Khethil
 
  1  
Reply Sun 28 Mar, 2010 02:13 pm
@xris,
xris;145232 wrote:
...How many fine minds waste in the wilderness because of being born in the wrong square mile. Thank yourselves lucky you might have the ability to pay, none choose at birth to be stupid reckless or plain lazy...


... or unfortunate.

For a good and proper perspective, this is perhaps the single-most important human quality: Empathy. Unfortunately, it's in short supply. For those in dire straights, many look upon and automatically - with a disdainful eye - mumble, "Lazy bum". This is so important, so central to thinking properly in my judgment: The ability to withhold judgment without stereotyping.

Maybe they are, maybe they aren't. Must we always judge so harshly from a lofty place of self-righteous indignation?

Excellent thought
0 Replies
 
EmperorNero
 
  1  
Reply Sun 28 Mar, 2010 03:51 pm
@Khethil,
Khethil,
Why not have a socialized first aid system, for those who actually turn up at the emergency room bleeding? It seems that would be at most 20% of the overall medical cost. Since half of medical costs are within the last few years of a persons life, I guess those costs are long term treatment like chemotherapy, not everyday injuries like being hit by trucks.
We have to pay for people who turn up at the emergency room anyways, including illegal aliens, since we can't deny them care, organizing that in a reasonable fashion only makes sense. So have a one payer socialized first aid system, and return the free market to the rest. The US health care system is now over 50% provided by the government, the other half heavily regulated, so it's by no means free market.
Health care would be vastly more affordable if we returned to a free market system. "Making it affordable" seems to be code for "handing it to people".

But your side is not advocating that. It uses the argument that people might not get first aid to justify the government taking over all of medical care.
It would be one argument to say that it's just reasonable to organize first aid in a reasonable socialized fashion, it is another to claim that communism is superior to free markets on the issue of health care. I.e. that a socialized health care system reduces costs or provides better care. I call people who claim that communists because they believe in the very same arguments to claim that a state health care industry would be superior, as communists in the last century did to claim that state industry in general would be superior; e.g. that it would be cheaper because there are no shareholders to pay, no profit motive, no allocation costs, etc. All this turned out not to work in the soviet union.

I don't bring up communism and the soviet union as emotional right-wing mudslinging. I bring it up because the same plausible arguments in favor of state run industry are being used today, as were used to argue that the soviet union would have superior economic success than the US. We have a historical experiment that show these plausible arguments to be false. Why people continue to believe them, I don't understand. Maybe they're just plausible, despite rationally we should know they are false. I suppose some people are just more content with the thought of big brother running things than with the chaos of competition and the profit motive. They should know that this would come at great human cost.

Khethil;145115 wrote:
You spoke at length about Personal Responsibility...


So we need communism because it's too complicated to figure out who truly needs a safety net and who could be personally responsible? You are making it more complicated than it is. You are essentially saying, "my way to work is too long to walk, so I must buy a brand new Ferrari", you don't even think about taking the bus or getting a modest car. You just jump to the conclusion, "oh, of course we need to completely collectivize, state run industry, hand everything out for free".
I say, just build a "you're on your own" society, and once people starve make a annoying and embarrassing private charity way to get stuff available. Don't just hand them other peoples money in their comfort, thereby subsidizing their failure, making them dependent and taking away their dignity.
Dave Allen
 
  1  
Reply Sun 28 Mar, 2010 05:12 pm
@EmperorNero,
EmperorNero;145291 wrote:
I don't bring up communism and the soviet union as emotional right-wing mudslinging. I bring it up because the same plausible arguments in favor of state run industry are being used today, as were used to argue that the soviet union would have superior economic success than the US. We have a historical experiment that show these plausible arguments to be false.

You have one example of a country with socialised healthcare that ended up a failed state.

There are other examples which haven't.

Denmark for example, or the UK, or Ireland, or France, or Israel, or Canada, or Australia etc.......

So "The Experiment" you are advocating has a control deliberately chosen to produce a predetermined result - one of failure.

Far more telling to the disintegration and failure of the USSR, however, was unchecked military spending.

And a messy war in Afghanistan.

Denmark doesn't do messy wars, and has public healthcare, and is apparently the world's happiest nation.

Also, "The new mixed economy Russia has switched to a mixed model of health care with private financing and provision running alongside state financing and provision. The OECD reported that unfortunately, none of this has worked out as planned and the reforms have in many respects made the system worse.[73] The population's health has deteriorated on virtually every measure. The resulting system is overly complex and very inefficient. It has little in common with the model envisaged by the reformers. Although there are more than 300 private insurers and numerous public ones in the market, real competition for patients is rare leaving most patients with little or no effective choice of insurer, and in many places, no choice of health care provider either. The insurance companies have failed to develop as active, informed purchasers of health care services. Most are passive intermediaries, making money by simply channelling funds from regional OMS funds to healthcare providers." According to Wikipedia.

---------- Post added 03-28-2010 at 06:29 PM ----------

cruise95;144823 wrote:
You not only are very unaware of you mortality, but you also contradit yourself.
Not really, I know I won't live forever and the cases I was thinking about were quite extreme.

There's a difference between social healthcare systems giving Isabelle Dinoire or Katie Piper new faces, and someone wanting a nose job because they're going through a vain faddish phase that might be better dealt with via counseling, or being told to get a hobby or something.

There's nothing contradictory about that. The system doesn't cater to vanity alone, but to a degree of need, for vanity you have to go private.
Quote:
I see that you have little understanding of the world that we live in. Utopia is a great thing...but we're not there.

That's rich coming from someone who thinks all women should be forced to have big breasts.

Maybe you're the one with a need to expand his horizons a bit.

---------- Post added 03-28-2010 at 06:46 PM ----------

EmperorNero;145291 wrote:
Khethil,
Why not have a socialized first aid system, for those who actually turn up at the emergency room bleeding? It seems that would be at most 20% of the overall medical cost. Since half of medical costs are within the last few years of a persons life, I guess those costs are long term treatment like chemotherapy, not everyday injuries like being hit by trucks.
Why would someone hit by a truck be any any less prepared to deal with it than someone who develops appendicitus, or an aneurism?

Quote:
Health care would be vastly more affordable if we returned to a free market system. "Making it affordable" seems to be code for "handing it to people".

That must be why the NHS is so cheap compared to the US system, I suppose.

Quote:
I call people who claim that communists because they believe in the very same arguments to claim that a state health care industry would be superior, as communists in the last century did to claim that state industry in general would be superior; e.g. that it would be cheaper because there are no shareholders to pay, no profit motive, no allocation costs, etc. All this turned out not to work in the soviet union.

No - you call them commies because you know it's a cheap and irritating strawman.

An advocate of a mixed market isn't necessarily an advocate of das Kapital.

No more than someone who thinks paid holidays are nice need necessarily want to see a dictatorship of the proletariat.

Some of Marx's ideas were good, some of them were not, some of them were good or bad depending on circumstance, or implementation. I happen to like paid holidays as well as the idea of pay as incentive. I don't see that as either communistic or contradictory.

Same with Levi Strauss.
0 Replies
 
salima
 
  1  
Reply Sun 28 Mar, 2010 06:32 pm
@Khethil,
xris;145232 wrote:
As philosophers you should be more aware ,than others, that we are never masters of our ability or have the freedom to choose wisely by the nature of back ground. How many fine minds waste in the wilderness because of being born in the wrong square mile. Thank yourselves lucky you might have the ability to pay, none choose at birth to be stupid reckless or plain lazy. Make allowances for those less capable than you, dont your ethics permit this?

What I find amazing that a country that prides itself on its christian values ignores its basic tenet. A few play the game of self satisfying charitable works with all the public display of performing seals. In reality they are pithing in the ocean but they dont really care as long as the public facade is maintained.

Call me a Marxist a trotskyite what ever you like but I'm proud that my country has had the ability to treasure all its citizens. We are as strong as our weakest, today's looser may be our future saviour. Many incapable of securing health benefits are so often called upon to lay down their lives, if you require them to serve, surely you should be prepared to serve them?

Sorry for the rant but this subject rattles my cage.



most americans are not really cold-hearted xris, but i would say they have carried independence to the absolute limits of its definition. somehow it has become translated into 'live alone and let die' and everyone is so obsessed with protecting their own freedom that they are blinded to the benefits of sharing and co-operation.


Khethil;145174 wrote:
Yes, this is possible. I could see how we could come up with a basic criteria (ratio -vs- expenses) perhaps. This is a good option. It does get complicated; however, especially in determining what expenses are necessary, then by extension the perception that we're limiting folks' personal liberty in what they can call a legitimate expense.

Even then, what do you do with the folks that do fall below the threshold (i.e., that fit in the "Can't Afford Insurance") category?

i dont have the mechanics, but this is where the public treasury takes over. where that comes from is a political issue, be it taxes or whatever. this is where people who have more money than they need are relieved of that burden and part of it is put to good use. there can even be some kind of reward for people to contribute to this fund...rich people now contribute to charity for tax benefits, and the money they contribute is questionably doing any good any way other than paying vast administrative costs. why not make a new charity-government fund for medical care for the destitute and the struggling.



Sure, I think it's a good suggestion towards making the "You must if you Can"-option. Still, what is chosen as 'excusable' expenses or not will make it complicated; not unworkable, but complicated. Nice thinking



And this, of course, is the bigger question as to why our system is in such trouble. Why its so expensive depends on who you ask. The two major contributing factors (I believe) are: Compensating price increases to cover those treated but didn't/couldn't pay -and- the fact that there are multiple levels of distributors for all medical supplies (each taking their cut of profits). I have first hand experience with this, and for those who believe these claims are over-bloated, they're definitely not. The amount of price jackup for each level in the distribution chain makes the old $500 Hammer (of the DoD ripoff scandles) look tame.



This is one of my solutions, by the way. I have insurance, but it has caps, limits and deductibles. To account for these, I have emergency funds tucked away. A lot of us do this for a rainy day.



Oh my god yes - we outta stick this one up there as a causal factor in the high cost. Yep, we're a grossly over-litigious society. Combine this with our over-valuation of material goods and you've got dollar signs flashing in some folks' eyes. Make no mistake, there are definitely instances where a lawsuit is warranted, but how much are or are not justified, I've no idea. I'd say this is definitely a major contributor.



I think this is an overall outstanding set up. For number four, I'm a little leery. As I said, there are quite a few unnecessary/unwarranted malpractice suits, but I firmly believe that there are those cases where a clear injustice has been committed and compensation is in order. So I'd think some sort of malpractice system should be in play - perhaps wherein the cases and criteria are more tightly controlled.


in the case of malpractice, criminal charges should be brought against any person who has committed a crime. the idea here is not to award huge sums of money to victims, but to stop people who are incompetent and unethical from practicing medicine. in addition to jail time or whatever punishment is awarded according to the scope of the crime involved, huge fines could be collected from them; they could be given enough penalties that would deter others from doing the same. and on the other hand, why allow people to buy their way out of their crimes and why allow people to defame honest practitioners and threaten them or extract an out of court settlement by an insurance company when what they are entitled to is their day in a criminal court to prove their innocence?




Yea, given how much of a slice of our economy is comprised of medical-related goods and services (combined with how much its been inflating), I'm sure it played its part. How much or how significant, I'm honestly not sure.

Thanks, nice reply and good idea up top there.



sorry, i still cant get a handle on the multi-quote option. my replies are with the quote above in bold.
0 Replies
 
Dave Allen
 
  1  
Reply Mon 29 Mar, 2010 04:14 am
@EmperorNero,
EmperorNero;145291 wrote:
I say, just build a "you're on your own" society, and once people starve make a annoying and embarrassing private charity way to get stuff available. Don't just hand them other peoples money in their comfort, thereby subsidizing their failure, making them dependent and taking away their dignity.

Though a lot of the countries mentioned as having public health systems also have something like full employment (or did before the financial crisis). So the "healthcare free at point of sale = lazy/dependant/undignified people" argument doesn't seem to me to hold much water.
cruise95
 
  1  
Reply Mon 29 Mar, 2010 06:56 am
@Dave Allen,
Dave Allen;145507 wrote:
Though a lot of the countries mentioned as having public health systems also have something like full employment (or did before the financial crisis). So the "healthcare free at point of sale = lazy/dependant/undignified people" argument doesn't seem to me to hold much water.


The US had full unemployment before the current depression. I guess that means that our healthcare is great! The point is that you can't claim a correlation between public health care and the unemployment.

Personal dignity applies in limited amounts to different people. Everyone is an individual and broad brushes are not applicable. However, there is a certain segment of the population that thrives on responsibility and is self-sustaining. Of course they rely on others for their resources (ie. the grocery store, their boss, etc...).

They are in their position because of their responsible actions. In other words, they are responsible for their well being and are not dependent on their parents or the government. Their responsible actions have placed them in the position that they are in. These are very dignified people and people that should be looked up to.

Contrarily, there are other people who are not so independent and their actions do not lead to much of anything. They are OK with that since that is all that they have known. To them dignity is something different.


Another example of this human adaptation:
Person A can make 100,000 a year while Person B makes 50,000 a year. The funny thing is that Person A can only live on their income and not on Person B's income. However Person B can live on either their income or Person A's income with no detrimental effects.

And such are many human attributes (ie. dignity, freedom, cruelty, etc...). As another example, lets assume that Person F has known a greater deal freedom their whole life. Also assume that Person S has known less freedom than Person F. Person F objects when their freedoms are taken from away (especially when by illigitimate means and by an irresponsible entity). Now Person F has the same amount of freedoms as Person S. However, Person S is perfectly contempt and dignified while Person F feels demoralized and undignified.

Since I am somewhat replying to Dave Allen's post, though this an important post for all to consider, I want to respond to one of his posts:

Dave Allen;145315 wrote:
There's nothing contradictory about that. The system doesn't cater to vanity alone, but to a degree of need, for vanity you have to go private.


I never said 'vanity alone'...there is a need at times for vanity as that makes some a more productive member of society. And to dispute this while also upholding it is contradictory by any definition.


Dave Allen;145315 wrote:
That's rich coming from someone who thinks all women should be forced to have big breasts. Maybe you're the one with a need to expand his horizons a bit.


I was using that as filler and to make a point...and I did say that I wasn't totally serious. I am not sure if there was a communication problem, but most people would take this as a joke. If this was not a communication problem then either 1) reading between the lines is not your strong point or 2) there was a translation issue.
 

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