@Blickers,
Blickers wrote:Not true. There are any of a number of reasons why a doctor might choose to work for a company instead of starting his own practice, not least of which is the insurance is taken care of by his company. A doctor who is part of a practice is also a businessman and not everyone wants that.
I strongly prefer a normal doctor. I think if poor people had an option, they would too.
Blickers wrote:Not the experience of the people I know. Why would a GP try to handle something that belongs to a specialist-if something goes wrong with the treatment, the GP's on the hook.
Because the HMO refuses to let them make the referral.
Blickers wrote:Medical knowledge has expanded and keeps expanding so much that the percentage of it a single doctor can keep up with gets ever smaller, hence the growth of specialists who can keep up in a narrower field.
That's why people should avoid HMOs at all costs. And Medicaid is like the worst HMO ten times over.
Blickers wrote:You don't have to ask permission from the insurance company, but you DO have to get a referral from your GP, unless you are already seeing that specialist.
In an HMO, the general practitioner doesn't give referrals unless the HMO agrees to it. If a general practitioner gives too many referrals to expensive specialists, they will be kicked out of that HMO's network in favor of "cheaper" doctors who don't make as many expensive referrals.
That is the case with all HMOs. But as I said, Medicaid is the worst of the HMOs.
Blickers wrote:You don't hurt your leg and look up an osteopath in the yellow pages. At least for the first time you see them, they expect you to be referred by another doctor.
Well, you don't if you are in an HMO.
I made sure to pick a PPO with a very broad network when I chose my plan from the exchange. I actually could make an appointment with a specialist without a referral so long as I stayed within my PPO's network (and like I said, I selected one with a very broad network).
I probably would start out with my general practitioner if I had a problem. But if things got complicated and I wanted a second opinion I might decide to strike out on my own.
Blickers wrote:oralloy wrote:Before Obamacare forced people off traditional health insurance, people didn't even have to confine themselves to networks.
Untrue. Medical networks, (HMOs), predated the Affordable Care Act by at least two decades.
HMOs and PPOs existed before the advent of Obamacare, but no one was forced to have them. Traditional insurance plans without any networks at all existed right up until Obamacare abolished them in 2014. They were also available with much lower out-of-pocket maximums than anything ever offered on the Obamacare exchanges.
Blickers wrote:What are the cosmetics of colonoscopies, MRIs and CAT scans? Because I've known them done on Medicaid. I've known people on Medicaid who were in the hospital for weeks and others who have had heart operations on it.
Those procedures don't have cosmetic outcomes. If they did, Medicaid would surely forbid cheap modern cosmetics in favor of something from the 1800s.
Blickers wrote:Enough of this 1800s nonsense.
Why should poor people be forced to have cosmetic outcomes from the 1800s when modern procedures produce much better results cheaply?
Blickers wrote:Generally the emphasis is on getting generic drugs, which are always considerably cheaper, in preference to name brand drugs.
Medicaid is much worse than that. With Medicaid the emphasis is on old generic drugs with lots of side effects, in preference to cheap generic drugs with few side effects.
Blickers wrote:I've seen no evidence that Medicaid recipients don't have all generic drugs covered.
If someone on Medicaid wants one of the cheap generics with few side effects, they'll have to present the HMO with a good reason why the patient can't just deal with the side effects of the older medication.
Quality of life doesn't count as a good reason.
Blickers wrote:Medicaid will even cover non-generic drugs if you need them, but it will take paperwork.
That term "need" is key.
If it is just a matter of avoiding unpleasant side effects, people don't "need" to do that, even if it can be done cheaply.
Blickers wrote:I think you've been misled by a blog.
No. Medicaid really is the disaster that I'm portraying it as.
Blickers wrote:Fox News, Rush Limbaugh, Drudge, Breitbart, the list goes on.
Fox News is the only one of those who counts as media. And they are not really right wing. What sets them apart from most media is they don't hate America.
But anyway, I don't listen to any of those. They might come up on Google if I am searching for articles about a certain subject, but otherwise I have no contact with them. I get most of my news from PBS, with supplements from BBC and France24.
Blickers wrote:Your criticisms of Medicaid are nothing like how Medicaid actually works.
No. That really is what Medicaid does to people.
Blickers wrote:I've driven friends on Medicaid to see their specialists, and these are the same specialists that I saw with my insurance from my job.
It sounds like they got a referral for a common procedure.
If they had a more difficult problem that might take a second or third opinion before their problem was even diagnosed accurately, they'd be out of luck. Repeated referrals for the same problem doesn't happen with HMO's, and certainly not on a Medicaid HMO.
And unfortunately sometimes people have difficult problems that are only diagnosed correctly after a second or third opinion.
Blickers wrote:One person I know got a cardiac catheter procedure done by one of the cardiologists in the practice of the Head of Cardiology in the local hospital.
If I ever had a procedure like that done, I'd be going to the best hospital in the state for that procedure. I wouldn't be going to my local hospital.
As a matter of fact, I recently had surgery on my eye. The specialist tried to schedule me for surgery at my local hospital. I instructed him to schedule me to have it done at a special eye surgery center in a city, where their surgical expertise was much more to my liking.
I bet if I'd been on Medicaid, they'd have forced me to have it done at my local hospital.
I had to pay a lot more for the procedure because of Obamacare too. My yearly out of pocket maximum was $250 when I had traditional insurance. Under Obamacare my out of pocket maximum is about $5000. Although since I have one of the better gold plans, they did cover most of the costs. I ended up paying about $1300.
I'm not too upset about paying more. I'd have been really pissed off if some HMO had forced me to have the procedure done in a substandard venue though.
Blickers wrote:The criticisms of Medicaid you have given are directly opposite to what people I know have experienced.
They might not even realize that they are missing out on cheap generic drugs with far fewer side effects than what they currently take.
They might never have had something so complicated that they needed second and third opinions from different specialists.
We never get to hear from people on HMOs who need second and third opinions to treat something difficult, because those people are all dead.
Blickers wrote:About the only criticism with even a germ of truth was the fact that Medicaid's network of specialists is considerably smaller than private HMOs' network of specialists.
From bad to worse. If you have an obscure or rare illness, if you are in a plan with a narrow network, there will be no specialists with the expertise to treat you at all.
Narrow networks are the kiss of death.
Get these people on the exchanges where they can choose a PPO with a broad network.
Blickers wrote:Of course, it should be pointed out that fewer people are on Medicaid than private HMOs, so fewer specialists are needed.
It's not a matter of carrying capacity. It's a matter of a broad base of expertise. A narrow network will not have experts necessary for rare and unusual conditions.
Blickers wrote:Meanwhile, some specialists do see Medicaid patients, whether for altruistic or other reasons, and like I said, if the hospital has a clinic attached to it, like for rheumatology or cardiology and such, they also take Medicaid. The choice of specialists is smaller, your General Practitioner will be a Medicaid doctor and not a "normal" doctor, but the system works pretty damn well, that I can see.
Well, it works well if you like having inferior cosmetic results, unnecessary unpleasant side effects, second rate surgical facilities, and are willing to just die if your medical problem is difficult and/or uncommon.