I know can be a hard job but

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Comments

  • Kathryn_in_MN
    Kathryn_in_MN Member Posts: 1,252 Member
    PGLGreg said:

    Tort reform ho-hum.
    There is some question whether it is actually true that those "crazy malpractice lawsuits" drive up our cost of service. Here is a study
    http://content.healthaffairs.org/cgi/content/abstract/29/9/1569
    which concludes: "Overall annual medical liability system costs, including defensive medicine, are estimated to be $55.6 billion in 2008 dollars, or 2.4 percent of total health care spending."

    A measly 2.4 percent. Even if we could devise some perfect remedy to what you (not I) see as the terrible problem caused by compensation to people injured through medical error, the impact on our overall healthcare system would hardly be noticeable.

    --Greg

    My OB/GYN
    My OB/GYN's large practice totally folded. The reason - malpractice insurance. They were sued one too many times by families that lost babies that had major problems and wouldn't have stood any chance, and by those that tried fertility surgery and were not sucessful. This was a very good group of doctors - one internationally known for fertility research and success. Even when the doctors win the lawsuits the time and cost spent fighting them still hurts.

    My doctor moved on to another practice, as did most of the other doctors. This is not the only clinic to close due to this issue in my area, but it is the one that really affected me. This doctor wss my OB/GYN from 1980 on. He treated my endometriosis, fertility problems, four successful pregnancies and one lost. He treated my cervical cancer and did my hysterectomy. Due to our history he shared with me what doctors wouldn't normally share about why the clinic had to close.

    I still say that this is PART of our problem. With the crazy rising costs of everything else medically related, in percentages maybe it isn't as big of a problem as it was even in 2005 when the clinic closed. But it is still an issue. We sue here for crazy ridiculous things quite often.
  • pepebcn
    pepebcn Member Posts: 6,331 Member
    John23 said:

    Well Pepe'....


    It seems your innocent question about our health care has managed
    to start a political debate! That's a good thing, since it's the way
    some of us learn new things.

    By the way, the United States isn't a "Democracy", it is a "Constitutional Republic".

    In a Democracy, the majority rules; in a Constitutional Republic, the Constitution rules.

    What that means very simply, is that in a "Democracy", the majority
    can tell you that you have to sit in the back of a bus.

    In a Constitutional Republic, the Constitution guarantees you the
    right to sit wherever anyone else can sit, regardless of any
    "Majority's preference".

    Re:
    "We pay taxes that cover medical for the poor - but not for middle income or rich. "

    Actually, (some of) our taxes go to paying for "Medicare", and that is for everyone,
    that reaches the age of retirement, or is unemployable for reason of health, regardless
    of economic abilities.

    Our taxes also supports "Medicaid", a health care subsidy for the very poor,
    and for those unable to get any other type of commercial health insurance.

    And...... Our taxes go to providing health care for -any and all- government
    employees, regardless of their economic abilities.

    As a Nation, we are divided by political ideology, although the ideologies
    have become quite muddled and confused........

    The "Conservative" approach is to let free enterprise set it's own standards,
    and to prevent the government for regulating free enterprise.

    The "other" approach is to allow the government to regulate free enterprise,
    keeping corporate empires from monopolizing the marketplace, and setting
    unreasonable standards.

    It would be great to settle on something between the two, but it's a
    difficult task made more difficult by those wishing to remain stubborn with
    their perceived ideology.

    Health care costs have become exorbitant due to a lack of regulation.
    There is absolutely no reason for the ridiculously high cost of one dose
    of a chemical that can save a life. But if the political ideology of a party
    in power refuses to allow any regulation, that corporate empire can
    and will charge whatever it deems "fair".

    In many other nations.. well, Norway for instance, the government owns
    and sells oil products, and that revenue pays for their government supplied
    health care. It sounds great! But here in USA, the government was never
    designed to own and operate businesses. (It does, but it was not a
    constitutionally designed thing....) So our costs for "free services" are paid
    by our taxation. It was originally designed to be from Import fees (tariff),
    but somewhere along the line, some political party felt that tariffs hurt
    our corporate empires..... and tariffs were set aside.

    So Pepe', the USA has in many ways "morphed" into a country of
    many ill-designed paths to governmental management. If our two major
    political parties ever managed to decide to do things based on Constitutional
    requirements, and work together rather than fight every decision, perhaps
    we can "morph" into something very viable for all our citizens.

    We deserve universal health care, good public schools, and a
    financially guaranteed retirement for all.

    We could have all that.... if only we could get enough people to agree
    to the same goals.

    But alas..... if we can't manage to do that here on this forum.....
    How could we possibly do that in the real world?

    (all my opinion, of cuz)


    Stay well Pepe'!


    John

    Johon thank you so much , at last l understand Medicare and
    Medicaid system which as per I see is the closest to social security!
  • pepebcn
    pepebcn Member Posts: 6,331 Member
    pepebcn said:

    Johon thank you so much , at last l understand Medicare and
    Medicaid system which as per I see is the closest to social security!

    I'm glad to open such an interesting
    debate , what a paradox Not been American LOL.
  • herdizziness
    herdizziness Member Posts: 3,624 Member
    pepebcn said:

    Johon thank you so much , at last l understand Medicare and
    Medicaid system which as per I see is the closest to social security!

    Actually
    Medicaid is free medical care, medicare is costly medical care. My mother, goes without her injections for arthritis, because her co-pay is 500.00 a month, and on social security, she cannot afford it. Her only income is social security, but because she owns her home, she doesn't qualify for medicaid.
  • PGLGreg
    PGLGreg Member Posts: 731

    Actually
    Medicaid is free medical care, medicare is costly medical care. My mother, goes without her injections for arthritis, because her co-pay is 500.00 a month, and on social security, she cannot afford it. Her only income is social security, but because she owns her home, she doesn't qualify for medicaid.

    supplemental insurance
    Yes, Medicaid is free (to the indigent), while Medicare (part B) has a monthly premium, and various limits and copays. But it's more complicated than that, for many of us, because of supplemental insurance of various sorts. My mother had Medicare together with a package of supplementary insurance plans that was offered through her retirement system (and so, with low rates negotiated by her retirement system with an insurance company for a large group of retirees). Even if Medicare didn't cover the cost of a certain treatment or medication, it would often turn out that the cost was covered by her supplementary insurance.

    I just started on Medicare, myself, in August, when I retired, but it is free for me, since my retirement system reimburses me for the Medicare premiums ($110 per month), and also pays my premiums for supplemental insurance coverage of several different sorts (medical, drugs, dental, vision).

    It is an intricate system, and it changes every year; so far as I can tell from my very limited perspective, it's getting better, and providing more insurance coverage to more people. For instance, you might check the current limitations on Medicaid to see if it is still true that your mother cannot get on that, even though she owns her home. Medicaid generally requires that a recipient must have exhausted all personal resources before Medicaid will start paying the bills; however, there are some special exceptions to permit a home to be retained.
  • Kerry S
    Kerry S Member Posts: 606 Member
    I will take our system over what the other countries have
    $0.24 milage amount allowed From 1/07 $90,421 per day $65.60

    5% 1% 12% 16% 1% 65% Total for 2010
    3,411 $819 $262 $2,101 $2,736 $242 $11,333 $17,491
    Per Day $62
    Miles Deduction Doctor Hospital Drugs Other Insurance

    Above are the medical “out of pocket cost” for 2010. I am on Medicare and the scary old woman has 1.3 years to go before she will be there. She has crohns. That will save us about $900 per month.

    This medical expense represents 57% of our cost of living. We have always lived below our means. We have no debt. The upper right shows what our cost has been from Jan of 07.

    This makes me mad, but I will take our system over what the other countries have.

    Kerry
  • greybeard64
    greybeard64 Member Posts: 254

    Insurance
    We have been scewed. The Obama Administration has taken over GM and last year we didn't pay any deductibles and now because my husband is not a "union" worker he and I pay $7,000 a year plus a $250 montly fee for having health insurance. Obama only wants to secure Union jobs and union sourses. I have to pay for every test I have done. Obama is nothing but a big govenrment biggot that wants to take tax payers money and make commen people pay. He is not for the common pepole but just wants to get the money "RESDISTRIBUTED". I am tired of working so that people that don't work get my money. Sorry so harsh but Obama is a Fraud. Big time.

    Kim

    sorry to hear things have
    sorry to hear things have changed for you in regards to your health coverage. I guess I should blame by problems on the republicans who were in office when we went broke paying our medical bills. But see that is the problem. Democrats blame Republicans and vice versa and together they are screwing us all. The ones who have want to keep theirs, the ones who are losing everything want to change, and those who have nothing left cant get out from under the umbrella of govt. sponsered programs because the job they could get wouldnt began to pay the medical coverage they need. I dont pretend to know the answer, but I know this two party, right wing/ left wing civil war we have going now is trashing the middle class and no one is going to come out a head in the long run.....It seems to me a little give and take and A LOT LESS name calling and finger pointing would sure help....Sometimes I think we are still on a playground in 3rd grade. It is infuriating and makes all of us look simple minded and petty!
    One day maybe we will get it right?
  • tanstaafl
    tanstaafl Member Posts: 1,313 Member
    Hard money
    Thanks, all those figures are enlightening. You may find this interesting, or jarring.

    The insurance companies tend toward less current, less personalized treatments. Often less effective too with lots of delay, stress and bs. For us in the US, across two generations, they've been milked by standard medicine, bilked by bad medicine paraded as standard, and skipped out on the good that actually worked. hmmmm.

    I detest the inflated and fake billing practices. Adding government may tie valuable middle class taxpayers down to local practices, with limited choices. Obamacare does't pay outside the US, and I would not want it to, too many strings would still be attached.

    So dumped all that rather than choose more expensive, less useful policies. After prior assignments across the years, recently moved back to Asia about 5 months before disaster struck, stage IIIC++. We paid all cash, for colonoscopy, consultations, CT, surgery, 4 days total hospital stay, pre-op to walking out. Under $5000, tourists will pay more. VEGF/EGF inhibitor, infusions, supplements and oral chemo, 6 months various regimes, under $3000 total so far, *with lots of footwork and independent research*. Declined less effective $10-$25,000/month offers with more burdensome effects. Good QoL, biomarkers going to ground, minor treatment challenges, swinging for a home run.

    Not for the mentally unprepared or faint hearted. Hard cash required for all bills, in envelopes, just to get out of the hospital. Credit cards, ~5% more.
  • Aud
    Aud Member Posts: 479 Member
    it's complicated
    Pepe, it is indeed complicated. As a young woman, I've been in the so-called lower class, receiving Medicaid when I was a single mother with 3 children to raise and currently, in the so-called middle class, with private commercial insurance through my employer.
    On Medicaid, though one doesn't have out-of-pocket costs, it can sometimes be difficult to find a doctor who will take you. And for anyone who wouldn't mind being poor enough to receive Medicaid, let me just say that it is much better to have the option of working and paying for insurance rather than live in poverty.
    With my current insurance, (I will not bore anyone with all the medical insurance jargon of bridges, co-insurance,deductibles, and such.), I pay $400 before it goes into the 80/20 plan where the insurance pays 80% and I pay 20%, with a maximum out-of-pocket cost of $5000 annually. To be smart about it, I should be putting away approximately $400 a month away to prepare. This, of course, doesn't include the $125 per month paid for insurance premiums. I am currently able to take care of myself, but if I were to lose my job, I don't know what I'd do, not to mention the problem of pre-existing condition.
    Needless to say, we all make choices, including choices on how we spend our money. Hmmm...pay medical bills or buy a house?...pay medical bills or go see the grandchildren in Germany...sometimes it has to come down to that.
    But I am fortunate, for now. And there should be no "fortunate" for anyone here. Medical insurance/care should be included for all, without putting people in the poorhouse.
    Enough said.
    In the Light,
    Aud
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  • greybeard64
    greybeard64 Member Posts: 254
    Aud said:

    it's complicated
    Pepe, it is indeed complicated. As a young woman, I've been in the so-called lower class, receiving Medicaid when I was a single mother with 3 children to raise and currently, in the so-called middle class, with private commercial insurance through my employer.
    On Medicaid, though one doesn't have out-of-pocket costs, it can sometimes be difficult to find a doctor who will take you. And for anyone who wouldn't mind being poor enough to receive Medicaid, let me just say that it is much better to have the option of working and paying for insurance rather than live in poverty.
    With my current insurance, (I will not bore anyone with all the medical insurance jargon of bridges, co-insurance,deductibles, and such.), I pay $400 before it goes into the 80/20 plan where the insurance pays 80% and I pay 20%, with a maximum out-of-pocket cost of $5000 annually. To be smart about it, I should be putting away approximately $400 a month away to prepare. This, of course, doesn't include the $125 per month paid for insurance premiums. I am currently able to take care of myself, but if I were to lose my job, I don't know what I'd do, not to mention the problem of pre-existing condition.
    Needless to say, we all make choices, including choices on how we spend our money. Hmmm...pay medical bills or buy a house?...pay medical bills or go see the grandchildren in Germany...sometimes it has to come down to that.
    But I am fortunate, for now. And there should be no "fortunate" for anyone here. Medical insurance/care should be included for all, without putting people in the poorhouse.
    Enough said.
    In the Light,
    Aud

    aint it the truth
    "And for anyone who wouldn't mind being poor enough to receive Medicaid, let me just say that it is much better to have the option of working and paying for insurance rather than live in poverty."


    I agree, speaking as someone who has been there also, it amazes me that others would think that. If you really believe it, by all means quit that job and take the "easy" way by living on what the government gives you....hmmmm no takers??