If the 'market' could provide affordable vigour insurance for every American, why hasn't it?
I don't want to hear about 'government' HEALTH CARE'...the issue is INSURANCE. Obviously the market can't provide this essential service and 'emergency rooms' own to get paid from someone so that's no solution. Exactly what are we going to do something like this? Universal single-payer HEALTH INSURANCE seems the best bet. Doing nothing seem like the worst bet. Remember, its INSURANCE were conversation about here, not CARE!
Answers:
Because insurance companies, pharmaceutical companies and hospitals are all about making money. What requests to occur is enforced laws on the shorten that the medical field can charge. I got a $600 emergency room bill because I have a serve asthma attacking. Even though the insurance provider I was paying $50 a week to told me to go within, the claim was denied because the doctor that signed the chart was not on their list. Seems like a scam to me, I had compensated a ton of cash to be covered and I still had to remuneration out of pocket. So I do what any under paid American vet does, I use the V.A. hospital very soon where what I pay is base on what I make.
Insurance companies are saddled with adjectives sorts of coverage requirements foisted on them by the government.
If we could:
A) Choose exactly the coverage we want
2) Eliminate the current system that forces people to in safe hands their coverage through the workplace
Healthcare cost would drop for the average consumer. Make it market-driven, which it is currently not.
what are the profits to the Insurer within the present scheme?
First and foremost the Market can not provide affordable health insurance for every American in need government regulation. Insurance companies are in business to produce as big a profit as possible. They are only in business to provide affordable form Insurance as a byproduct of profit. If insurance companies could get away with merely taking your money they would. A company has no soul, mind or concusses. The men who run big ones do not either.
The "market" isn't a free market. Every state have all manner of regulations on what MUST be included within any health insurance plan--this interferes with economy of scale, causes massive paperwork, enforcement issues, and more.
Another problem is that contained by the US too many health insurance policies are tied to employment. This is done below the ERISA law and is a huge negative for team. In Jamie Cort's 1999 book, Making A Killing: HMOs and the Threat to Your Health, Cort shows that the law regards robustness insurers through employment as "an administrator of employee benefits" more than an actual insurer. This means when they deny a claim, even if they are found to be at breakdown in court, they can get it moved to the federal even, use their special standing, and only pay out the good point of the procedure denied, not the actual damages to the person. If they can drag it out and the patient dies, they owe zilch.
Furthermore, it is possible to be uninsurable in this country--and unless the state government offer a "high risk pool" which not all do, what exactly is a being supposed to do? To get on Medicaid, you have to be nearly penniless, so that's no answer.
There is a lot of bad stuff that go on with insurance. Why do they get massive discounts on what they enjoy to pay, then the providers foist sour their lack of income on the uninsured. This means that some step bankrupt (half of all bankruptcy are over medical bills. Of course, most of those folks actually ARE insured.); that they make just partial payments--more money either written off for taxpayers to munch through and higher bills for the uninsured; or they make no payment--you know those bills achieve passed on to us.
Now there is a relatively new wrinkle where on earth special credit cards have just be created so that hospitals and providers can get paid and afterwards saddle the vulnerable with huge debts (not the reduced insurance rates) near interest rates around 15-27%. See this past week's BusinessWeek story:
http://www.businessweek.com/bwdaily/dnfl…
So as long as there are special deal to insurance companies who keep raising premiums, co-pays, and have ridiculous "caps" on procedures, special legal protections, and more, there is no free open market in insurance which is why the CEOs get remunerated at the rate they do in the few companies left (they keep hold of merging). Some pay profits to shareholders. No one is more capitalist than I am, BUT this is not fair business when they frequently deny VALID claims. IF they be paying what they lead people to believe they did and turned a profit, more power to them. That is not what they do surrounded by too many cases and they "shed lives" every chance they achieve (dump people who are expensive--it can be made to happen).
Frankly, I am being moderately superficial. This is a incredibly complex issue.
Moving on to universal health care/insurance. It does not work anywhere it exists. I'm going to quote myself on that:
You can look country by country for the problems that they own, but whole premise it is built on is illogical as it interferes near supply and demand and makes family think they're getting something for "free" when no such thing exists.
Canada have lots of problems and besides the long wait times they have as very well they are going broke:
The Fraser Institute (Canadian) was hired to determine what was going on surrounded by Alberta and said by 2016 that HALF of the province's budget would go to health vigilance if they keep the current system. By 2030, 100% of the budget would be consumed by health thinking. (“Canada’s health
system dream turns to nightmare,” 11 June 2004, Dr. Glueck).
Let's also realize that enough Canadian doctors find the system so stressful that WE achieve 500 of them a year from that small country coming to the US. (Bell, “Step into the single-payer rabbit hole,” April 2001, amsa.org). Also a 2003 survey of Canadian doctors found that nearly half were adjectives out and 12% had thoughts of suicide (staffweb.uleth.ca).
The government is thinking almost delisting some services (not offering them anymore). Thankfully there has be a proliferation of ILLEGAL for-profit health centers through Canada so Canadians can get trouble without leaving Canada. This is so needed that the president of the Canadian Medical Association head such an ILLEGAL facility. They're illegal not because these are not qualified doctors, but because if the government offer a service, then the private sector is not supposed to in Canada. ("Individual Freedom vs. Government Control,” 1 August 2007, nationalreview.com).
Great Britain have the oldest national health system started in 1948. “Staff are self laid off, and deficits are at an alltime elevated (lb1.07bn for 2005-2006)” (Hazel Blears, LabourParty Chair and Minister Without Portfolio, labourachievements. blogspot.com/2006/08/23-investment-innhs…
Alex Smallwood of the British Medical Association was quoted in the
Scotsman as cliché: “’Rationing is reduction in choice. Rationing have become a necessary evil. We need to formalise ration to prevent an unregulated, widening, postcodelottery of care. Government no longer have a choice.’” (Moss,
“NHS rationing is ‘necessary evil,’ says doctors,” 26 June 2007).
In France, 80% of the public own supplemental health insurance through their employers according to their pattern site (ambafrance-us.org). Private medical care in France is providing more than 50% of the surgeries and more than 60% of cancer armour treatment. Vision and dental care are not well covered within. “The public system is facing chronic deficits and recent cost containment policies have not proved extremely successful.” The government is interested in
have more of the tab picked up by private insurance (Buchmueller & Couffinhall, “Private Health Insurance in France,” 2004, oecd.org).
Yes there are problems surrounded by Japan, the Netherlands, and Sweden as well for sure. Universal health attention to detail does NOT work. Governments overpromise, jack up taxes, ration medicine, and more.
So, as you seem to want a plan, I consider I have found one that would be very tough to achieve POLITICALLY because a lot of power and money is involved within the health care business.
Consider this plan for a brand new kind of US health prudence system--the author has a good deal more to articulate about fixing health guardianship, but this is enough to think in the region of:
http://www.booklocker.com/books/3068.htm…
The PDF has the basics of a plan, including how to nouns it. The book itself has much more to say surrounded by the lengthy chapter on health guardianship (and also addresses Social Security, taxation, and more).
Universal health exactness of any variety is clearly not needed and it fail, especially the vulnerable, everywhere it exists. There's too much meddling from affairs of state, too many special deals to insurers and hospitals (they are not returning, within general, anywhere near the helpfulness of the taxes they are free from according to studies by the CAGW--Citizens Agains Government Waste--or in the view of the IL Attorney General for her state. Hospital PR is great, but it's too recurrently smoke and mirrors instead of substance.)
The market could afford vigour insurance for every American if the insurance companies, the hospitals and the drug companies weren't fleecing the American public.
Why is it that a "generic" prescription costs most times 50% less than the name brand? Marketing.
Why do phamaceutical companies hold big conventions? To pay the doctors that will prescribe certain medication more.
Why do insurance companies have a "negotiated price" beside providers? Because the hospitals and doctors are still raking in a profit even when they bring less money for a service.
Have you ever battled next to those economically minded trolls?
In Ethiopia there is one doctor for every 10,000 or more people. Here it's resembling 1:400. Does that put anything in perspective?
I think insurance is a complete and utter scam of materialism.
What is justifiably an "Act of God" anyway?
Related Questions:
Answers:
Because insurance companies, pharmaceutical companies and hospitals are all about making money. What requests to occur is enforced laws on the shorten that the medical field can charge. I got a $600 emergency room bill because I have a serve asthma attacking. Even though the insurance provider I was paying $50 a week to told me to go within, the claim was denied because the doctor that signed the chart was not on their list. Seems like a scam to me, I had compensated a ton of cash to be covered and I still had to remuneration out of pocket. So I do what any under paid American vet does, I use the V.A. hospital very soon where what I pay is base on what I make.
Insurance companies are saddled with adjectives sorts of coverage requirements foisted on them by the government.
If we could:
A) Choose exactly the coverage we want
2) Eliminate the current system that forces people to in safe hands their coverage through the workplace
Healthcare cost would drop for the average consumer. Make it market-driven, which it is currently not.
what are the profits to the Insurer within the present scheme?
First and foremost the Market can not provide affordable health insurance for every American in need government regulation. Insurance companies are in business to produce as big a profit as possible. They are only in business to provide affordable form Insurance as a byproduct of profit. If insurance companies could get away with merely taking your money they would. A company has no soul, mind or concusses. The men who run big ones do not either.
The "market" isn't a free market. Every state have all manner of regulations on what MUST be included within any health insurance plan--this interferes with economy of scale, causes massive paperwork, enforcement issues, and more.
Another problem is that contained by the US too many health insurance policies are tied to employment. This is done below the ERISA law and is a huge negative for team. In Jamie Cort's 1999 book, Making A Killing: HMOs and the Threat to Your Health, Cort shows that the law regards robustness insurers through employment as "an administrator of employee benefits" more than an actual insurer. This means when they deny a claim, even if they are found to be at breakdown in court, they can get it moved to the federal even, use their special standing, and only pay out the good point of the procedure denied, not the actual damages to the person. If they can drag it out and the patient dies, they owe zilch.
Furthermore, it is possible to be uninsurable in this country--and unless the state government offer a "high risk pool" which not all do, what exactly is a being supposed to do? To get on Medicaid, you have to be nearly penniless, so that's no answer.
There is a lot of bad stuff that go on with insurance. Why do they get massive discounts on what they enjoy to pay, then the providers foist sour their lack of income on the uninsured. This means that some step bankrupt (half of all bankruptcy are over medical bills. Of course, most of those folks actually ARE insured.); that they make just partial payments--more money either written off for taxpayers to munch through and higher bills for the uninsured; or they make no payment--you know those bills achieve passed on to us.
Now there is a relatively new wrinkle where on earth special credit cards have just be created so that hospitals and providers can get paid and afterwards saddle the vulnerable with huge debts (not the reduced insurance rates) near interest rates around 15-27%. See this past week's BusinessWeek story:
http://www.businessweek.com/bwdaily/dnfl…
So as long as there are special deal to insurance companies who keep raising premiums, co-pays, and have ridiculous "caps" on procedures, special legal protections, and more, there is no free open market in insurance which is why the CEOs get remunerated at the rate they do in the few companies left (they keep hold of merging). Some pay profits to shareholders. No one is more capitalist than I am, BUT this is not fair business when they frequently deny VALID claims. IF they be paying what they lead people to believe they did and turned a profit, more power to them. That is not what they do surrounded by too many cases and they "shed lives" every chance they achieve (dump people who are expensive--it can be made to happen).
Frankly, I am being moderately superficial. This is a incredibly complex issue.
Moving on to universal health care/insurance. It does not work anywhere it exists. I'm going to quote myself on that:
You can look country by country for the problems that they own, but whole premise it is built on is illogical as it interferes near supply and demand and makes family think they're getting something for "free" when no such thing exists.
Canada have lots of problems and besides the long wait times they have as very well they are going broke:
The Fraser Institute (Canadian) was hired to determine what was going on surrounded by Alberta and said by 2016 that HALF of the province's budget would go to health vigilance if they keep the current system. By 2030, 100% of the budget would be consumed by health thinking. (“Canada’s health
system dream turns to nightmare,” 11 June 2004, Dr. Glueck).
Let's also realize that enough Canadian doctors find the system so stressful that WE achieve 500 of them a year from that small country coming to the US. (Bell, “Step into the single-payer rabbit hole,” April 2001, amsa.org). Also a 2003 survey of Canadian doctors found that nearly half were adjectives out and 12% had thoughts of suicide (staffweb.uleth.ca).
The government is thinking almost delisting some services (not offering them anymore). Thankfully there has be a proliferation of ILLEGAL for-profit health centers through Canada so Canadians can get trouble without leaving Canada. This is so needed that the president of the Canadian Medical Association head such an ILLEGAL facility. They're illegal not because these are not qualified doctors, but because if the government offer a service, then the private sector is not supposed to in Canada. ("Individual Freedom vs. Government Control,” 1 August 2007, nationalreview.com).
Great Britain have the oldest national health system started in 1948. “Staff are self laid off, and deficits are at an alltime elevated (lb1.07bn for 2005-2006)” (Hazel Blears, LabourParty Chair and Minister Without Portfolio, labourachievements. blogspot.com/2006/08/23-investment-innhs…
Alex Smallwood of the British Medical Association was quoted in the
Scotsman as cliché: “’Rationing is reduction in choice. Rationing have become a necessary evil. We need to formalise ration to prevent an unregulated, widening, postcodelottery of care. Government no longer have a choice.’” (Moss,
“NHS rationing is ‘necessary evil,’ says doctors,” 26 June 2007).
In France, 80% of the public own supplemental health insurance through their employers according to their pattern site (ambafrance-us.org). Private medical care in France is providing more than 50% of the surgeries and more than 60% of cancer armour treatment. Vision and dental care are not well covered within. “The public system is facing chronic deficits and recent cost containment policies have not proved extremely successful.” The government is interested in
have more of the tab picked up by private insurance (Buchmueller & Couffinhall, “Private Health Insurance in France,” 2004, oecd.org).
Yes there are problems surrounded by Japan, the Netherlands, and Sweden as well for sure. Universal health attention to detail does NOT work. Governments overpromise, jack up taxes, ration medicine, and more.
So, as you seem to want a plan, I consider I have found one that would be very tough to achieve POLITICALLY because a lot of power and money is involved within the health care business.
Consider this plan for a brand new kind of US health prudence system--the author has a good deal more to articulate about fixing health guardianship, but this is enough to think in the region of:
http://www.booklocker.com/books/3068.htm…
The PDF has the basics of a plan, including how to nouns it. The book itself has much more to say surrounded by the lengthy chapter on health guardianship (and also addresses Social Security, taxation, and more).
Universal health exactness of any variety is clearly not needed and it fail, especially the vulnerable, everywhere it exists. There's too much meddling from affairs of state, too many special deals to insurers and hospitals (they are not returning, within general, anywhere near the helpfulness of the taxes they are free from according to studies by the CAGW--Citizens Agains Government Waste--or in the view of the IL Attorney General for her state. Hospital PR is great, but it's too recurrently smoke and mirrors instead of substance.)
The market could afford vigour insurance for every American if the insurance companies, the hospitals and the drug companies weren't fleecing the American public.
Why is it that a "generic" prescription costs most times 50% less than the name brand? Marketing.
Why do phamaceutical companies hold big conventions? To pay the doctors that will prescribe certain medication more.
Why do insurance companies have a "negotiated price" beside providers? Because the hospitals and doctors are still raking in a profit even when they bring less money for a service.
Have you ever battled next to those economically minded trolls?
In Ethiopia there is one doctor for every 10,000 or more people. Here it's resembling 1:400. Does that put anything in perspective?
I think insurance is a complete and utter scam of materialism.
What is justifiably an "Act of God" anyway?
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