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Posted on 7/6/25 at 8:04 am to Taxing Authority
quote:
Terrible comparison. The US and Singapore's demographics and relative wealth make any comparisons between the two silly. You simply don't have the population of freeloaders and moochers we do here in SG.
This is why I didn't give that stupid shite the time of day. Either Euro knows this, and is a dishonest hack or, is just stupid. Either way, not worth the time.
Posted on 7/6/25 at 8:08 am to 4cubbies
quote:
If people don’t ever use the mandated requirements anyway, how would that have a meaningful impact on anything?
Health insurance plan premiums are calculated on possible risk. So, if I get coverage for condition X, the actuary (rightfully) calculates the risk that I am afflicted with condition X and the cost to treat condition X and adds it to the cost of the premium.
If you add 300 conditions to mandated insurance, then the actuary is forced to make all of those adjustments to my policy premiums.
Likewise, by removing lifetime maximums, it drives up the cost of insurance tremendously. Not because many people go over their lifetime maximums, but because actuaries have to add the risk that a person does to the cost of the premiums.
Posted on 7/6/25 at 8:11 am to the808bass
quote:
Likewise, by removing lifetime maximums, it drives up the cost of insurance tremendously. Not because many people go over their lifetime maximum
I don’t know how these things are calculated but it seems that if most people don’t go over their would-be lifetime maximums, the calculated risk of someone doing so would be negligible anyway.
Posted on 7/6/25 at 8:11 am to onmymedicalgrind
quote:
don’t think most of you guys actually know how healthcare works in the US. I’m a private doctor. It’s not just that I don’t see patients without insurance in my office, it’s that I literally cannot. They can’t even get checked in at the front desk. So what you are describing already exists.
Is it not true that poor people without insurance will often use the ER as a PCP for minor illnesses and injuries?
quote:
Again, emergency care is something totally different. And unless you are proposing that we start first checking insurance status on random John Doe’s that roll into the trauma bay after getting hit by a car, then none of you are actually offering solutions in this regard.
Yes. That’s what I’m suggesting. I’m
Not sure exactly how it would work but there are a lot of smart people in the medical profession. I’m sure y’all can figure it out.
Posted on 7/6/25 at 8:14 am to Ponchy Tiger
Everytime the Government touches healthcare it increases the Administrative (ie middle management). The cost increases due to Obamacare can be tied to the increase administrative costs.
This post was edited on 7/6/25 at 8:19 am
Posted on 7/6/25 at 8:15 am to onmymedicalgrind
quote:
Again, emergency care is something totally different. And unless you are proposing that we start first checking insurance status on random John Doe’s that roll into the trauma bay after getting hit by a car, then none of you are actually offering solutions in this regard.
This short paragraph illustrates EXACTLY MY POINT.
There are NO SOLUTIONS.
Show me ONE other product where you could write such a paragraph. ONE!!!
Posted on 7/6/25 at 8:33 am to 4cubbies
Because the coverage has to include them. Pre Obamacare policies didn’t force you to get coverage for stuff that never applied to you. You actually were buying insurance based on your specific needs. Now you have standardized coverage that is more akin to you paying to keep higher risk/use people covered
Posted on 7/6/25 at 8:45 am to Smokeyone
quote:
Because the coverage has to include them. Pre Obamacare policies didn’t force you to get coverage for stuff that never applied to you. You actually were buying insurance based on your specific needs. Now you have standardized coverage that is more akin to you paying to keep higher risk/use people covered
Love paying for pregnancy coverage when we are in our 50’s and my wife had her tubes tied……
Posted on 7/6/25 at 8:55 am to ABearsFanNMS
quote:What makes you think those payments are not for you? Are you a biologist? Afterall, your wife is paying for her annual prostate exam as well, because .... you never know ....
Love paying for pregnancy coverage when we are in our 50’s and my wife had her tubes tied……
Posted on 7/6/25 at 8:57 am to Grumpy Nemesis
Not until you remove government from the equation.
Posted on 7/6/25 at 9:03 am to the808bass
quote:
Yes. That is the question. We should definitely cover at 100% whatever surgeries you do.
My man! You got my vote. 808bass for president
quote:
I’m partially kidding. But also partially making the point that the vested interests in the system help drive the costs up.
You are right there, but I will say my field is losing this battle and reimbursements are only going down. I used to be part of a committee that advocated on our behalf. Met with congressmen and all that…but nothing would change so I just said screw it I’d rather spend my free time with the family.
Posted on 7/6/25 at 9:04 am to the808bass
quote:
I do support that as well. Almost everyone does. The sticky wicket is in where we draw the line on indigent care.
Correct. Treating the ED like your PCP is also a big driver of costs.
Posted on 7/6/25 at 9:07 am to onmymedicalgrind
quote:Ask Brian Thompson how it's going.
Idk man, looks like they are doing a fair amount of winning from my perspective….
quote:Indeed, expecially from a provider perspective. But in reality the insurance companies are paying the bills. They are the customers. Not the patients. Patients are just a vector for collecting payment. That will occur any time a thrid-party pays the bills. Golden rule. He who has the gold makies the rules.
And this is one of healthcare’s biggest problems.
Posted on 7/6/25 at 9:10 am to HeadCall
quote:
Is it not true that poor people without insurance will often use the ER as a PCP for minor illnesses and injuries?
Without question. I just eluded to it in my last reply. The problem is there is no way to know what is minor until….you assess them. Chest pain could be costochondritis that’ll get better with a week of Advil, or it could kill you in 5 mins.
quote:
Yes. That’s what I’m suggesting.
Well then, and I truly do mean this respectfully, you are out of your mind. Not feasible in any way shape or form. Logistically or clinically.
Posted on 7/6/25 at 9:13 am to Grumpy Nemesis
quote:
This short paragraph illustrates EXACTLY MY POINT. There are NO SOLUTIONS.
When it comes to this issue of emergent care, I think you are right. We as a society have decided we are not going to just watch people die if we can help them. As long as this is our ethos, then there will always be unpaid bills that will in essence be covered by the masses.
quote:
Show me ONE other product where you could write such a paragraph. ONE!!!
I can’t. Life saving care can not be compared to a new TV.
Posted on 7/6/25 at 9:14 am to NC_Tigah
quote:If you'd like to address the issue, feel free. I'll expand so you have a chance:
Someone needs to bring prices down. (Notice I didn't say cost) The only way to do that is to refuse to pay jacked up prices that arise out of subsidized payments, cost shifting, and refusing to pay for unneeded procedures.
We literally had a CEO murdered for doing that. (Yes, I know UHC sucks, have exensive dealing with them). But the point remains that refusing payment is really, really bad for business.
Inurers have a customer base that demands infinite care for themselves, while complaining about the inevitable price increases from subsidized payments.
If the payers cannot demand lower prices in a market--who can?
Posted on 7/6/25 at 9:15 am to Ponchy Tiger
quote:Getting you to this point was the ultimate goal of Obamacare.
Absolutely and as much as I hate government intervention, it seems like there needs some kind of controls on pricing.
Posted on 7/6/25 at 9:18 am to Taxing Authority
quote:
Ask Brian Thompson how it's going.
I’m assuming this is tongue and cheek bc you are too smart to think this is any type of persuasive point.
quote:
Indeed, expecially from a provider perspective. But in reality the insurance companies are paying the bills. They are the customers. Not the patients. Patients are just a vector for collecting payment. That will occur any time a thrid-party pays the bills. Golden rule. He who has the gold makies the rules
No argument here. Unfortunately the clinical decision makers for insurance companies are some of the dumbest people I’ve ever had conversations with. Explaining to a pediatrician why this 74 year old needs this surgery is often a very frustrating endeavor.
Posted on 7/6/25 at 9:21 am to onmymedicalgrind
quote:
The problem is there is no way to know what is minor until….you assess them. Chest pain could be costochondritis that’ll get better with a week of Advil, or it could kill you in 5 mins.
When I had my last baby, my OB went out of town after he delivered him. The physician that discharged me was not my beloved OB. My blood pressure was slightly elevated but I begged to be discharged because we had two other kids at home. The discharging doctor convinced me I was going to die if my blood pressure blood pressure stayed elevated.
I was checking it at home every hour and ended up having a panic attack because I thought I was going to die and leave all my kids without a mother. I called that stupid discharging doctor and he told me to go to the ER. When I got there, everyone was wonderful and the triage nurses were like, “People with high blood pressure would kill for these numbers.”
All that to say that I definitely didn’t need to go to the ER but I could have sworn I was knocking on death’s door. Thanks for coming to my TED talk.
No one should ever tell a woman who had a baby within the last 48 hours that she is at risk of having a stroke unless she’s truly at risk of having a stroke. My bp was 135/95.
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