65
   

IT'S TIME FOR UNIVERSAL HEALTH CARE

 
 
mysteryman
 
  1  
Reply Fri 11 Sep, 2009 10:37 am
@FreeDuck,
But if they have a child born in the US, that child would be eligible for the subsidy, due to being an American citizen.

Are you going to deny the parents here illegally the subsidy to buy insurance for their child?
And how are you going to keep it separate so they (the parents) dont use it to buy their own insurance?
mysteryman
 
  1  
Reply Fri 11 Sep, 2009 10:38 am
@cicerone imposter,
Type 2 diabetes can be.
But type 1 is controlled by insulin injections for the most part.
0 Replies
 
FreeDuck
 
  1  
Reply Fri 11 Sep, 2009 10:59 am
@mysteryman,
mysteryman wrote:

But if they have a child born in the US, that child would be eligible for the subsidy, due to being an American citizen.

Is that what the legislation currently says?

Quote:
Are you going to deny the parents here illegally the subsidy to buy insurance for their child?
And how are you going to keep it separate so they (the parents) dont use it to buy their own insurance?

If the subsidy is in the form of a tax rebate then they have to file taxes to receive it. If they are filing taxes under someone else's ssn (really bad idea) then the IRS will catch that. If they file taxes under their own TIN, then the IRS will also know that they aren't citizens. If an illegal alien can afford to purchase health insurance and does so, I don't see why we would have a problem with that.
0 Replies
 
cicerone imposter
 
  1  
Reply Fri 11 Sep, 2009 01:16 pm
There's an interesting article in today's San Jose Mercury News written by a staff writer about their recent experience when here husband had some tests and "outpatient" procedures that required an overnight at Stanford Hospital..

The bill was $44,471.03, and her co-pay was $93.67, because she has insurance with her employment with the newspaper. The insurance provider, Anthem Blue Cross, paid Stanford only $4,906.33 for her husband's stay, and the remaining $39,471.03 was written off as an insurance adjustment.

How many Americans without insurance can afford to pay that kind of bill?

She pays $372 per month for her daughter's health insurance for minimal coverage; that's $4,464 per year - and that's been increasing every year.

That's the reason we need health care reform in this country. Any serious illness can put most families into bankruptcies - to deplete their life savings if they had one.

All those countries with universal health care are surviving economically which means it's not a disaster for them. They are suffering like everybody else during this world recession, but at the very least they have health care. Over 60 million Americans don't have health insurance or inadequate health insurance. We can't afford to wait until more of us lose health insurance; worse health, avoidable death, and bankruptcy. With the best medical care in the world, we have one of the worst longevity and health.
okie
 
  1  
Reply Fri 11 Sep, 2009 08:51 pm
@cicerone imposter,
We all want reform, but the difference is which kind do we want. When Obama claimed we can't afford to do nothing, that is not the issue, Republicans have reform ideas that Democrats have not even considered.
cicerone imposter
 
  2  
Reply Fri 11 Sep, 2009 08:59 pm
@okie,
okie, Your bantering never provides details, just generalities that means absolutely nothing. Good reform ideas? Which ones? Please spell them out for us, because it surely is not coming from the conservative side of the isle. All they've said so far is "no," and they plan to all vote "no" when it comes up for a vote.

I hope the voting public see all this negative crap that the conservatives have been yelling out, and vote them all out of office in the next election. The bad news is, many conservatives think like their reps in congress - just like you!
cicerone imposter
 
  1  
Reply Sat 12 Sep, 2009 09:12 am
@cicerone imposter,
okie, Where's all those "good reform ideas" from the conservatives?
FreeDuck
 
  1  
Reply Sat 12 Sep, 2009 09:37 am
@okie,
okie wrote:

We all want reform, but the difference is which kind do we want.

What kind do you want?
cicerone imposter
 
  1  
Reply Sat 12 Sep, 2009 10:11 am
@FreeDuck,
FreeDuck, Don't you just love the way conservatives talk in general terms, and never provide any detail to "their plan?"
Walter Hinteler
 
  1  
Reply Sat 12 Sep, 2009 12:04 pm
@revel,
revel wrote:

So a person born with a disease like diabetes would automatically have to pay much higher premiums than someone who has no such diseases. What a solution.


In our German system for instance, when you go regularly to the dentist (at least once per year), you get reductions (in all the 200 insurance companies within the mandatory health care system).
Some insurance companies, give reductions, too, when you go regularly to your family doctor and from there to a specialist.

If you are born with diabetes, you personally pay nothing, at least not until the age of 23 (or longer, depending on your income), because children and (not employed) spouses are free.
Afterwards, a pay the same as anyone else, depending on your income.
0 Replies
 
georgeob1
 
  1  
Reply Sat 12 Sep, 2009 12:31 pm
@cicerone imposter,
cicerone imposter wrote:

FreeDuck, Don't you just love the way conservatives talk in general terms, and never provide any detail to "their plan?"


Are you referring to our President - a master of carefully chosen, vague and often misleading assurances and promises. He won't sign a bill that adds to our deficit - however the CBO has demonstrated that all of the bills circulating in the Congress will do that on a very large scale. "His Plan" (whatever that is) won't reduce existing Mediare benefits - however he indicates massive cuts to the Medicare program in his various speeches. Worse, Medicare is already massively underfunded relative to exploding entitlement costs and current and projected Medicare tax revenues, and he uses these cuts in Medicare to "offset" new entitlements without even acknowledging the Medicare crisis already at hand. Finally he proposes, as a cure for our current financial unsustainability, a massive new addition to the entitlements that created it. He assures us that under "his Plan" there will be no mandated rationing of health care, all while arguing for conditions that willl make it inevitable.

Our current insurance situation is in very large part a consequence of Federal Medicare and Medicaid programs. Both are seriously underfunded relative to the "rights" and entitlements they create (and assure their beneficiaries they weill receive). The predictable result is a massive transfer of costs to the private sector. Doctor, laboratory and hospital charges to individuals are grossly inflated to recover the costs government doesn't pay for services it requires. Those with insurance companies able to use their buying power to negotiate reduced charges escape this reaction, but those without it are screwed. The current administration blames the insurance companies for a situation which previous government programs themselves have created.

All of these contradictions and economic dislocations are a result of government actions to increase the demand and expectations for medical care without any action to increase the available supply of services. Indeed, by requiring that providers accept the payments that government arbitrarily and unilaterally establishes, the government suppresses the very economic signal that would induce the increase of that supply - and the resultant lowering of average prices.

Worse, Federal, state and local governments actively use their powers to reduce the numbers of hospital beds, laboratory facilities and clinics - all in misguided attempts to reduce their outlays for Medicaid and Medicare programs.

The essential point here is that the politics of government require that broad, (usually vague) and exaggerated promises are made to the voting public, while the economic and budgetary facts of it prevent their delivery. Together these factors breed general irresponsibility and permanent conflict -- all without any constructive incentive to rectify the situation.

Independent of all this is the fact of rapidly expanding new technologies for health care and their (initially at least) high costs. The fair distribution of these services will be a problem for us however we approach the situation. Government rationing or brueaucratic management ususlly results in grossly reduced investment and innovation -- in effect solving the problem of the distribution of the golden eggs by killing the goose that lays them.

What is 'the conservative plan"? The fact is there has been none. At best conservatives in government have warned about the fundamental contradictions built into existing programs, however they have offered no real alternatives. They have, however, lived up to the Hippocratian oath -- "first do no harm". Recently, though Republicans have proposed sensible legislation that would partially address current problems. This includes insurance reform that would permit competition among insurers across state boundaries; promote the portability of coverage; and prohibit the denial of continued coverage after chronic disease strikes; and tort reform which realy does drive up the costs of health care without any associated health benefit. In addition they would subsidize the education of general practicioners to increase supply ands availability. However, they have not addressed the insustainability of existing government programs any more than have the Democrats (at least they don't propose to make it worse).
cicerone imposter
 
  1  
Reply Sat 12 Sep, 2009 12:41 pm
@georgeob1,
georgeob, I just skimmed over your post for now, because I wanted to post this YouTube link to show Wilson is the liar. I'll get back to you today to respond to your post.

http://www.youtube.com/watch?v=zWfoZQiPx-Q&feature=popular
mysteryman
 
  1  
Reply Sat 12 Sep, 2009 12:41 pm
@cicerone imposter,
You asked, so make sure you actually read them, instead of dismissing them out of hand.

Quote:
H.R. 77 " The Health Care Incentive Act
(Issa, R-CA)

Introduced: January 6, 2009

Summary: The Health Care Incentive Act allows for an employer, who is required by state law to pay an employee at a rate higher than the federally mandated minimum wage, to offer their employees health care benefits and get a credit toward the minimum wage for doing so.

This legislation instructs the Department of Labor to promulgate a rule to allow employers who participate in interstate commerce and whose state has a minimum wage higher than the federal minimum wage to include the value of health care benefits provided to an employee in determining the wage such employer is required to pay.

Status: Speaker Pelosi and the Democrat majority have not considered this bill in committee or on the House floor.


Quote:
H.R. 109 " America’s Affordable Health Care Act of 2009
(Fortenberry, R-NE)

Introduced: January 6, 2009

Summary: America’s Affordable Health Care Act seeks to promote more affordable insurance options for individuals who do not receive health coverage through their employer, and also for those with complex or chronic health conditions. It permits insurance companies to offer policies with fewer mandated benefits, called “health benefit plans.” It would allow individuals and families who do not receive health insurance coverage through their employer or from the government to have the option of purchasing one of these lower cost health benefit plans. These plans would be required to cover, at minimum, inpatient hospital services and physicians’ surgical and medical services.

More specifically, it authorizes a health insurance issuer to apply to the Secretary of Health and Human Services to certify health insurance policies offered in the individual market as Health Benefit Plans. It will allow these certified plans to be offered to individuals in all states without regard to state and local mandated benefit laws. This legislation recognizes that for every mandated benefit, a certain segment of the population is priced out of the market and cannot afford health care coverage. Mandates may benefit the employer market, but can price individuals out of the individual market.

This legislation enhances coverage opportunities for those with complex or chronic conditions, by providing more funding to states for high-risk pools. High-risk pools offer insurance coverage options to individuals with pre-existing medical conditions who are otherwise unable to obtain insurance in the individual market. Specifically, it amends the Public Health Service Act to increase the authorization of appropriations for FY2010-FY2014 for grants to states for the creation and operation of qualified high risk health insurance pools. It also authorizes funds to encourage state to adopt best practice protocols regarding the operation of high risk pools.

Status: Speaker Pelosi and the Democrat majority have not considered this bill in committee or on the House floor.


Quote:
H.R. 198 - Health Care Tax Deduction Act of 2009
(Stearns, R-FL)

Introduced: January 6, 2009

Summary: The Health Care Tax Deduction Act will allow individuals to take a tax deduction from gross income for health insurance premiums and unreimbursed prescription drug expenses paid for by the taxpayer. This deduction covers health insurance premiums for the taxpayer, the taxpayers spouse, and dependents.


Quote:
H.R. 321 " SCHIP Plus Act of 2009 (Fortenberry, R-NE)

Introduced: January 8, 2009

Summary: The State Children’s Health Insurance Program (SCHIP) Plus Act would offer eligible families the choice of retaining coverage for their children in SCHIP or, alternatively, using SCHIP funds to help pay for insurance coverage for their children purchased from the private individual market. This latter option also permits families to use the funds toward the overall cost of a family insurance plan, so that children and parents are covered under one plan, rather than having children receive coverage under SCHIP while parents receive coverage under another insurance plan. This option is only for “targeted low-income children” or those SCHIP-eligible children of families at 200% of the federal poverty level or lower. Enrollment will be voluntary and offered as a coverage option along with traditional SCHIP coverage. Those electing such coverage shall be provided one opportunity per year to switch coverage from SCHIP to a private individual-style or family-style plan.


Quote:
H.R. 502 " Health Care Freedom of Choice Act
(Bachmann, R-MN)

Introduced: January 14, 2009

Summary: Under current law, medical care purchased through an employers insurance plan is tax-free, but the same premiums and expenses are not fully deductible if paid by an individual. In effect, the tax code forces working and retired Americans to seek health care through their jobs, preventing them from choosing their own plans, doctors, and treatments, and limiting their employment options due to medical considerations. Further compounding the problem, many businesses that provide health insurance offer employees the “choice” of only one plan. This legislation allows taxpayers to deduct the expenses paid during the taxable year, not compensated for by insurance or otherwise, for medical care of the taxpayer, the taxpayer’s spouse, or a dependent.


Thats just a few.
To read all of them (if you actually want to learn something), go here...
http://rsc.tomprice.house.gov/

And then click on "Read the RSC proposals.
You will find many that you will agree with.



cicerone imposter
 
  1  
Reply Sat 12 Sep, 2009 12:45 pm
@cicerone imposter,
georgeob, Here's a link that explains in some detail Obama's health plan: http://pol.moveon.org/truth/lies.html?rc=ads.adwords.ad3

I will respond directly to your post later on.
0 Replies
 
Walter Hinteler
 
  1  
Reply Sat 12 Sep, 2009 12:45 pm
@georgeob1,
georgeob1 wrote:

Worse, Federal, state and local governments actively use their powers to reduce the numbers of hospital beds, laboratory facilities and clinics - all in misguided attempts to reduce their outlays for Medicaid and Medicare programs.


I'd thought that the USA already has a quite low number of hospital beds?
cicerone imposter
 
  1  
Reply Sat 12 Sep, 2009 12:56 pm
@Walter Hinteler,
Walter, Here's a report that describes how hospitals can maximize the use of beds vs capacity.
Quote:
Perform your original search, occupancy of US hospital beds, in Math Med Biol Search
Mathematical Medicine and Biology 1995 12(3-4):249-257; doi:10.1093/imammb/12.3-4.249
© 1995 by Institute of Mathematics and its Applications

Part 2: Provider Issues
A decision support system for bed-occupancy management and planning hospitals
Sally McClean and Peter H. Millard

Division of Mathematics, School of Information and Software Engineering, University of Ulster Belfast, UK
Division of Geriatric Medicine, St George's Hospital Medical School London, UK

The planning of services within a hospital is a complex task which relies on the availability of accurate data. Such data on patterns of bed occupancy enable us to develop tools which assess performance measures based on activity within a hospital and its beds, and hence they improve the efficiency of bed management and they facilitate the more effective use of resources. We report the development of a bed-occupancy-modelling package that uses a mathematical model to separate the pattern of bed occupancy in hospitals into acute, rehabilitative, and long-stay components. The bed-occupancy management and planning system analyses data downloaded from the patient administrative system. A query-by-example function is then used to separate the data into meaningful subgroups, such as age groups, or the various specialties. The underlying model is a mixed exponential where the number of terms in the mixture corresponds to the number of stages in the hospital spell, typically, acute, rehabilitative, and long stay. The software has been used to analyse data from a number of different specialties and services. A ‘what-if’ capacility allows the planner to assess the effect of changes prior to their introduction.

Keywords: bed occupancy; hospital-bed usage; decision support system


I also posted a report from the WSJ about reducing costs at hospitals that will increase efficiency and provide improved quality of care. A hospital in Illinois was in the planning stages of spending $80 million dollars to expand their hospital, until it was determined that improving patient discharge changed their need for that expansion. The CEO of 11 hospitals in New York also improved inventory control and saved $5 million by reducing inventory by 50%, and cutting rubber glove inventory from over twenty down to 2 that saves their hospital $4 million/year.

The WSJ article also said that the 5700 hospitals just needed to save $2.7 million in order to fund Obama's health plan which most hospital chiefs say it can be done.

0 Replies
 
mysteryman
 
  1  
Reply Sat 12 Sep, 2009 02:13 pm
Thats what I thought.
CI asks...
Quote:
Where's all those "good reform ideas" from the conservatives?


But then he refuses to even acknowledge that the reppubs have a plan and he refuses to even look at their website that lists all of the details.

That tells me that he isnt interested in anything other then calling names.
0 Replies
 
cicerone imposter
 
  1  
Reply Sat 12 Sep, 2009 02:32 pm
@georgeob1,
Response to georgeob, sept 12, 2009 on Obama's Health Plan

Are you referring to our President - a master of carefully chosen, vague and often misleading assurances and promises.
A: Obama's health plan is detailed here: http://my.barackobama.com/page/content/hcsignon/?source=OM_LB_google_HC-search_O-search_tc&gclid=COfeiqnu7JwCFShRagodThWajw

He won't sign a bill that adds to our deficit - however the CBO has demonstrated that all of the bills circulating in the Congress will do that on a very large scale. "His Plan" (whatever that is) won't reduce existing Mediare benefits - however he indicates massive cuts to the Medicare program in his various speeches.
A: What Obama has said are: a) he's going to reduce waste and fraud, b) quality of care will improve, and c) doctors will still make the decisions.

Worse, Medicare is already massively underfunded relative to exploding entitlement costs and current and projected Medicare tax revenues, and he uses these cuts in Medicare to "offset" new entitlements without even acknowledging the Medicare crisis already at hand. Finally he proposes, as a cure for our current financial unsustainability, a massive new addition to the entitlements that created it. He assures us that under "his Plan" there will be no mandated rationing of health care, all while arguing for conditions that willl make it inevitable.
A: By reducing or eliminating most waste and fraud, Medicare will run more efficiently. The Medicare funding crisis is not Obama's fault, even though you may wish to put that on his shoulders. At the very least, lets give Obama some leeway in working out cost reductions before we cry wolf. You say rationing is inevitable, but you really don't know that until those cost cuts in waste and fraud are brought under control.


Our current insurance situation is in very large part a consequence of Federal Medicare and Medicaid programs. Both are seriously underfunded relative to the "rights" and entitlements they create (and assure their beneficiaries they weill receive). The predictable result is a massive transfer of costs to the private sector. Doctor, laboratory and hospital charges to individuals are grossly inflated to recover the costs government doesn't pay for services it requires. Those with insurance companies able to use their buying power to negotiate reduced charges escape this reaction, but those without it are screwed. The current administration blames the insurance companies for a situation which previous government programs themselves have created.
A: Where do you see this “massive transfer of costs” to the private sector? At the current rate of inflation on private insurance premiums, shifting more costs to the private sector can only result in more Americans without health insurance. Many companies and private health insurance buyers are all in agreement that some form of health care reform must be implemented; the only obvious option is to provide public and private health insurance to maximize competition.

All of these contradictions and economic dislocations are a result of government actions to increase the demand and expectations for medical care without any action to increase the available supply of services. Indeed, by requiring that providers accept the payments that government arbitrarily and unilaterally establishes, the government suppresses the very economic signal that would induce the increase of that supply - and the resultant lowering of average prices.
A: That's because you are myopic in how you view the logistics vs improved efficency. Also, the trends for applications to medical schools have been on the increase even before this recession. Here: http://handouts.aacrao.org/am08/finished/W0830a_K_Hartman.pdf We have six physicians in our family; I don't think we are an exception in this country.

Worse, Federal, state and local governments actively use their powers to reduce the numbers of hospital beds, laboratory facilities and clinics - all in misguided attempts to reduce their outlays for Medicaid and Medicare programs.
A: See my post on bed usage study in a previous post.

The essential point here is that the politics of government require that broad, (usually vague) and exaggerated promises are made to the voting public, while the economic and budgetary facts of it prevent their delivery. Together these factors breed general irresponsibility and permanent conflict -- all without any constructive incentive to rectify the situation.
A: That's been proven untrue when we consider some facts such as most countries of Europe, some in Asia, and South America offer universal health care without having resulted in “general irresponsibility and permanent conflict.” As a matter of fact, of most industrialized countries, we are the last holdout on universal health care, and our general health and longivity falls below some undeveloped countries. That's because over 47 million Americans don't have health insurance, and those who do have health insurance have inadequate insurance. Although most can go to the emergency room free of charge, the disease has developed too far for any cure.

Independent of all this is the fact of rapidly expanding new technologies for health care and their (initially at least) high costs. The fair distribution of these services will be a problem for us however we approach the situation. Government rationing or brueaucratic management ususlly results in grossly reduced investment and innovation -- in effect solving the problem of the distribution of the golden eggs by killing the goose that lays them.
A: I remember reading on this very subject about the overuse of these high cost equipment when the older ones would have sufficed, and accomplish similar results. I'll try to find that article and post it here.

What is 'the conservative plan"? The fact is there has been none. At best conservatives in government have warned about the fundamental contradictions built into existing programs, however they have offered no real alternatives. They have, however, lived up to the Hippocratian oath -- "first do no harm". Recently, though Republicans have proposed sensible legislation that would partially address current problems. This includes insurance reform that would permit competition among insurers across state boundaries; promote the portability of coverage; and prohibit the denial of continued coverage after chronic disease strikes; and tort reform which realy does drive up the costs of health care without any associated health benefit. In addition they would subsidize the education of general practicioners to increase supply ands availability. However, they have not addressed the insustainability of existing government programs any more than have the Democrats (at least they don't propose to make it worse).
A: That's a funny one georgeob; “first do no harm.” That should actually say “first be humane with your fellow citizens, because their good health helps our country.”

Finally, the only disagreement I may have with the Obama health plan is the simple fact that I would like to see his plan implemented in increments to make sure that the nuts and bolts have been fitted together in the most efficient and practical ways, and to give it time to work with results rather than guesses.
mysteryman
 
  1  
Reply Sat 12 Sep, 2009 02:37 pm
@cicerone imposter,
Quote:
What is 'the conservative plan"? The fact is there has been none.


That is a flat out lie!!!!!

I have posted a link to their plan, and even quoted some of it.
Now, you can put me on ignore, but I would think that some of your other liberals would be honest enough to point it out to you.
roger
 
  1  
Reply Sat 12 Sep, 2009 02:56 pm
@cicerone imposter,
cicerone imposter wrote:


Our current insurance situation is in very large part a consequence of Federal Medicare and Medicaid programs. Both are seriously underfunded relative to the "rights" and entitlements they create (and assure their beneficiaries they weill receive). The predictable result is a massive transfer of costs to the private sector. Doctor, laboratory and hospital charges to individuals are grossly inflated to recover the costs government doesn't pay for services it requires. Those with insurance companies able to use their buying power to negotiate reduced charges escape this reaction, but those without it are screwed. The current administration blames the insurance companies for a situation which previous government programs themselves have created.

A: Where do you see this “massive transfer of costs” to the private sector?


Here's an example provided by yourself, and recently. The balance of $39,471.03 you cite is the amount the hospital needs to bill to an individual to recover losses from Medicare undercompensation, and losses related to treatments not paid for by anyone.

cicerone imposter wrote:

The bill was $44,471.03, and her co-pay was $93.67, because she has insurance with her employment with the newspaper. The insurance provider, Anthem Blue Cross, paid Stanford only $4,906.33 for her husband's stay, and the remaining $39,471.03 was written off as an insurance adjustment.
 

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