65
   

IT'S TIME FOR UNIVERSAL HEALTH CARE

 
 
georgeob1
 
  1  
Reply Thu 15 Oct, 2009 02:47 pm
@Cycloptichorn,
Cycloptichorn wrote:

You wrote a lot of words, but didn't address the simple fact that the 'medical loss ratio' of insurance industries is extremely important to their profit margins, and a huge amount of pressure exists for them to pay as few claims as possible. You are acting as a pure apologist for this system, as if these perverse incentives do not exist.Cycloptichorn


The ratio is important both for profits and, far more importantly, the rates that other participants must pay.

"Perverse incentives" as you implicitly define them are universal. Restaurants exercise portion control to see to it that you don't get more than you pay for. Quality engineering for things, ranging from automobiles to aircraft and computers emphasizes the achievement of the targeted level of durability & reliability ... and no more. The Presidents vaunted and promised medical policy panels (or whatever they call them) will look into the cost & benefit of various diagnostic and treatment options, imposing the cold, dumb hand of brueaucracy on us all in the enforcement of their standards. These too, on an individual basis are "perverse incentives".
0 Replies
 
okie
 
  1  
Reply Thu 15 Oct, 2009 02:57 pm
@McGentrix,
McGentrix wrote:

okie wrote:

What? The public option is the government run health care, is it not?

This debate forum is getting bizarre, I thought you were still one of the sensible ones here, McGentrix?


No, the public option is merely another insurance plan. Does nothing to curtail health care costs at all or fix any of the myriad of issues that we have.

I am talking about govt run hospitals and clinics, tax payer funded, that directly service patients and employ doctors, nurses, etc. No insurance needed.

I don't think actual government run hospitals and clinics have ever been said to be what even the Democrats want. Perhaps that is what they ultimately want, but even in other countries with single payer health care, that does not mean the entire industry or even part of it is run by the government. They may run it, but not directly, they run it through mandates and regulations, etc. For example, look at Medicare, it is a government program, but doctors and hospitals do not work directly for the government, they are still technically privately run, but bill the government for services covered by Medicare.

I think your suggestion of government run hospitals and clinics, directly run by the government, is more like what you would find in North Korea or Cuba than even Germany or other socialistic countries. You are talking about a communistic practice applied to health care.

You may be visualizing only the government offering their services as an option to compete with or operate alongside of the private sector. However, realize one huge point, if you had the government begin to sell hamburgers at fast food places throughout the entire country, and they could also write the rules for that industry, for hiring, for the kinds of stores, for how they are managed, and how much could be charged, how long do you think it would take for them to put every competitor out of business? They could do that very quickly and easily by making the playing field uneven. Remember, their competition pays taxes to support them, which is not something they have to do, they simply operate with tax support, they receive tax money, while the competition pays it.
Walter Hinteler
 
  3  
Reply Thu 15 Oct, 2009 03:12 pm
@okie,
okie wrote:

I think your suggestion of government run hospitals and clinics, directly run by the government, is more like what you would find in North Korea or Cuba than even Germany or other socialistic countries. You are talking about a communistic practice applied to health care.


I've never heard that Germany is a Socialistic country - but when okie says so ... (He doesn't read this, I know.)

The NHSs in the UK run all hospitals pay all medical staff, in hospitals as well as in practices. (The 'CEO' of the NHS is the Secretary of State for Health.)

Germany's only state run hospital are the former armed forces hospitals, now hospitals like any other.
0 Replies
 
McGentrix
 
  1  
Reply Thu 15 Oct, 2009 04:22 pm
@okie,
okie wrote:

I don't think actual government run hospitals and clinics have ever been said to be what even the Democrats want. Perhaps that is what they ultimately want, but even in other countries with single payer health care, that does not mean the entire industry or even part of it is run by the government.


No, this is what I want. I have expressed what I would like to see here.

Quote:
They may run it, but not directly, they run it through mandates and regulations, etc. For example, look at Medicare, it is a government program, but doctors and hospitals do not work directly for the government, they are still technically privately run, but bill the government for services covered by Medicare.

I think your suggestion of government run hospitals and clinics, directly run by the government, is more like what you would find in North Korea or Cuba than even Germany or other socialistic countries. You are talking about a communistic practice applied to health care.


Maybe, but I was thinking more like the UK and some central American countries. I don't really think is communistic, at least no more then say the IRS or the US Postal Service is. Though neither would really be a good model for a health care system. I just think that if we are going to spend that much money, I'd really rather see an actual service returned for the cash.

Quote:
You may be visualizing only the government offering their services as an option to compete with or operate alongside of the private sector. However, realize one huge point, if you had the government begin to sell hamburgers at fast food places throughout the entire country, and they could also write the rules for that industry, for hiring, for the kinds of stores, for how they are managed, and how much could be charged, how long do you think it would take for them to put every competitor out of business? They could do that very quickly and easily by making the playing field uneven. Remember, their competition pays taxes to support them, which is not something they have to do, they simply operate with tax support, they receive tax money, while the competition pays it.


It's not an easy decision, but it seems the future has some sort of health care crap in line for us. May as well express what I would rather see.
Advocate
 
  1  
Reply Thu 15 Oct, 2009 05:07 pm
@McGentrix,
The government is a lot more competent and efficient than is private enterprise. However, the government is not innovative or entrepreneurial.
georgeob1
 
  1  
Reply Thu 15 Oct, 2009 05:13 pm
@Advocate,
Advocate wrote:

The government is a lot more competent and efficient than is private enterprise. However, the government is not innovative or entrepreneurial.


Laughing Laughing Laughing Laughing

Perhaps you could entertain us with a couple of specific examples of this heretofore undetected phenomenon.
McGentrix
 
  1  
Reply Thu 15 Oct, 2009 05:14 pm
@georgeob1,
georgeob1 wrote:

Advocate wrote:

The government is a lot more competent and efficient than is private enterprise. However, the government is not innovative or entrepreneurial.


Laughing Laughing Laughing Laughing

Perhaps you could entertain us with a couple of specific examples of this heretofore undetected phenomenon.


I will second George here.
0 Replies
 
okie
 
  1  
Reply Thu 15 Oct, 2009 08:42 pm
@McGentrix,
McGentrix wrote:

okie wrote:

I don't think actual government run hospitals and clinics have ever been said to be what even the Democrats want. Perhaps that is what they ultimately want, but even in other countries with single payer health care, that does not mean the entire industry or even part of it is run by the government.


No, this is what I want. I have expressed what I would like to see here.

Interesting idea, but here a couple of observations. Let us look at the school system, we have to pay taxes to support the failed school system, but if we want to use a private school which provides a much better service, we must then pay for it as well, so we end up paying for both systems, which to me does not seem to be economical. Also, the Postal Service, package delivery companies easily are superior to the Postal service, but are not allowed to do first class mail or directly compete with the Postal Service. This is also a double standard. I think the school illustration is the best one however, to illustrate why your proposal is not that great. Perhaps it would be worth considering for people that are simply too poor, such as Medicaid? The main concern I have is that once the government directly competes, it will dictate more and more of how private insurers and doctors do their business.

Quote:
Quote:
They may run it, but not directly, they run it through mandates and regulations, etc. For example, look at Medicare, it is a government program, but doctors and hospitals do not work directly for the government, they are still technically privately run, but bill the government for services covered by Medicare.

I think your suggestion of government run hospitals and clinics, directly run by the government, is more like what you would find in North Korea or Cuba than even Germany or other socialistic countries. You are talking about a communistic practice applied to health care.


Maybe, but I was thinking more like the UK and some central American countries. I don't really think is communistic, at least no more then say the IRS or the US Postal Service is. Though neither would really be a good model for a health care system. I just think that if we are going to spend that much money, I'd really rather see an actual service returned for the cash.

I understand your thinking. I guess the issue really boils down to how many and which functions of commerce do we think the government should be directly involved in? Mail, education, ????????

Quote:
Quote:
You may be visualizing only the government offering their services as an option to compete with or operate alongside of the private sector. However, realize one huge point, if you had the government begin to sell hamburgers at fast food places throughout the entire country, and they could also write the rules for that industry, for hiring, for the kinds of stores, for how they are managed, and how much could be charged, how long do you think it would take for them to put every competitor out of business? They could do that very quickly and easily by making the playing field uneven. Remember, their competition pays taxes to support them, which is not something they have to do, they simply operate with tax support, they receive tax money, while the competition pays it.


It's not an easy decision, but it seems the future has some sort of health care crap in line for us. May as well express what I would rather see.

It does seem to be inevitable. What bothers me is that once the government creates another bureaucracy, it seems to be totally impossible to ever eliminate it or roll it back, regardless of what a failure it is.
JPB
 
  1  
Reply Thu 15 Oct, 2009 08:51 pm
@okie,
Okie -- you've made the comparison to the school system before and I agree with you, it's a fair comparison. What you don't answer is why you see the school system as failed. It isn't failing where I live. We have some of the best public schools in the nation. Why? Because we're willing to pay for them. 99% of our kids graduate from public high school and 97% go on to college. "Services" of all kinds cost money. Local communities vote down school referendums left and right and then complain about the quality of education.

That's exactly why were in this mess with health care. Folks want/expect/demand quality health care without any concept whatsoever what it costs to procure. They get it with education because it comes directly from their pockets. They don't get it with health care because it's either subsidized by their employer or the government.

You equate public hc with public education. My concern with the current model of public hc (medicare/medicaid/VA) is that it's connected to the big printer icon in the sky that just keeps pumping out money that we don't really have. Once it's connected to our wallets then folks can start getting a feel for just what it is that we're paying for.
okie
 
  1  
Reply Fri 16 Oct, 2009 08:58 am
@JPB,
JPB wrote:

Okie -- you've made the comparison to the school system before and I agree with you, it's a fair comparison. What you don't answer is why you see the school system as failed. It isn't failing where I live. ....

I don't have time to research the links for what I think is well known, that we are clearly lagging in the scientific and mathematical fields as compared to the rest of the world, which will lead us to being a third world country eventually. I think even right now although unemployment is rampant, companies report that it is very difficult to find qualified people for high tech or specialized jobs. And just because you report people going to college, what are they studying in college, basket weaving or engineering, nuclear physics, or ?, the devil may be in the details.

I also see the school system failing because it should not cost $10,000 per student per year to educate the children, it is an unnecessary larger than needed bleed on the economy at this point. I would also argue that money does not equal quality, some of the most expensive areas in the country are some of the worst, example Washington D.C.

I guarantee you that if competition was injected into the system, so that parents would be able to direct their tax moneys dedicated to education now to their preference, it would improve quality in many different ways. I also strongly believe the same principle applies to almost any other industry, including our medical care, which is even more personal in terms of demand and need.
0 Replies
 
georgeob1
 
  1  
Reply Fri 16 Oct, 2009 09:02 am
@JPB,
While you may enjoy a strong public school system, that isn't the rule generally. Moreover the correlation between per capita student spending in various states & school districts and measured student performance, whether in terms of performance on standardized tests or subsequent success in college entrance isn't good. Washington DC, for example enjoys the highest per capita school budgets but suffers from one of the worst performance records in the nation. Some recent improvements have occurred as a result of oversight and even displacement of the school board from direct management, and the creation (against strong opposition from teacher's unions) of charter schools.

In short your proposition that adequate funding produces good public schools simply doesn't square with the facts. There are good public schools (though they are a minority) and they are usually well-funded. However, both outcomes appear to be the result of other factors.
JPB
 
  1  
Reply Fri 16 Oct, 2009 09:12 am
@georgeob1,
I don't want to turn this into a discussion about education funding but I stand by my premise that, in general, folks have no idea about the cost of health care or insurance because it's largely subsidized. I'm still waiting for someone to tell me how we're going to pay the health care needs of the soon-to-be retiring boomers with a 25+ year additional life expectancy and a much smaller work force coming up behind them. The numbers simply don't add up.
0 Replies
 
okie
 
  1  
Reply Fri 16 Oct, 2009 10:24 am
I agree with you on that, the numbers awaiting us are pretty dire. I also agree with George on education, his post pretty much enforces what I said.

I think that we as a society are not really correctly identifying the problems, so we are going to end up treating the symptoms or doing something that does not address the problem. In education, the failures are not due to inadequate funding, the failures are due to the wrong emphasis of education and spending on stuff that does not teach the kids anything pertinent. Failure is also due to cultural problems, broken families, etc., and we are not enacting government policies to encourage families and reward them. We are also not using the power of competition to drive quality in education. Simply throwing more money at a failed system does not fix it, and if anything it only intensifies the failures.

For medical care, again, if the problem of the uninsured is primarily due to treating illegals as one big part of that, then we need to address illegal entry into the U.S., which we are not doing. And in the case of people that can afford insurance are not buying it, we could address that by encouraging people buy insurance through tax policy, etc. Also if people are elgible for Medicaid are not aware of it, then we need to educate the public, etc.

The way we are addressing the problem really drives me nuts because the fixes are staring us right in the face but Congress ignores them completely. Instead they are hot to trot to create another behometh bureaucracy that will do nothing be another boondoggle that will break the country financially.
Cycloptichorn
 
  1  
Reply Fri 16 Oct, 2009 10:27 am
@okie,
Quote:
Failure is also due to cultural problems, broken families, etc., and we are not enacting government policies to encourage families and reward them.


Really? We already give families huge tax breaks and incentives. What more should we be doing to reward them?

Cycloptichorn
georgeob1
 
  1  
Reply Fri 16 Oct, 2009 10:42 am
@Cycloptichorn,
Cyclo appears to share the mentality of a Soviet political commisar. I doubt that he really understsands that reference,m but it appears to fit him well.
Cycloptichorn
 
  1  
Reply Fri 16 Oct, 2009 11:23 am
@georgeob1,
georgeob1 wrote:

Cyclo appears to share the mentality of a Soviet political commisar. I doubt that he really understsands that reference,m but it appears to fit him well.


Your attempt at insult fails, as I do understand quite well your reference; and it is not really appropriate, given the comment that I just made. I think you just are unable to keep up with the modern, more stylish insults, and have to fall back on stuff which would have been more appropriate many years ago. Perhaps a refresher course is in order?

In other news,

The CBO has given quite favorable scoring to two of the three House bill options.

http://voices.washingtonpost.com/capitol-briefing/2009/10/house_health_bill_trimmed_by_3.html?hpid=topnews

Cycloptichorn
0 Replies
 
okie
 
  1  
Reply Fri 16 Oct, 2009 11:37 am
@georgeob1,
georgeob1 wrote:

Cyclo appears to share the mentality of a Soviet political commisar. I doubt that he really understsands that reference,m but it appears to fit him well.

Laughing Laughing Laughing Laughing
Actually it would be funnier if his favorite politicians, such as Obama and Pelosi, did not also have the same mentality.

I would have included Reid, but I think he is just dumb and corrupt. Actually Pelosi is as well, but Obama is truly the ultra- socialist idealogue. That requires being naive and dumb as well, but its his basic philosophy that stinks.
Cycloptichorn
 
  1  
Reply Fri 16 Oct, 2009 11:41 am
@okie,
Do you not have an answer to my question, Okie? It was pretty straight-forward.

I could sit around hurling slurs at you guys rather than address the topic, if you like.

Cycloptichorn
okie
 
  1  
Reply Fri 16 Oct, 2009 11:43 am
@okie,
Rush is just now playing a tape with Dunn, a whitehouse insider, saying one of her favorite philosophers is Mao Tse Tung. Incredible. This is a Marxist guy responsible for untold suffering and starvation is he not? Is he also your hero, cyclops?
okie
 
  1  
Reply Fri 16 Oct, 2009 11:44 am
@Cycloptichorn,
I will answer all of your questions when you answer mine, such as did Obama lie when he said his daughter had meningitus?
 

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