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Old 09-11-2010, 09:51 PM
 
Location: Great State of Texas
86,068 posts, read 76,830,155 times
Reputation: 27652

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Quote:
Originally Posted by Donn2390 View Post
You are just wrong...! Insurance companies are jacking rates way up now to get a jump on Obamacare, for they know the rates will skyrocket once the new law kick in. They are getting ready fo the Hell this bill will cause.
fortunately, Obamacare will be repealed after the November elections. Obama and his corrupt administration will soon be out of power and unable to destroy America...
I noted above (post #8)..some parts are kicking in during September so in a few weeks insurers will have to honor the new mandates.
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Old 09-11-2010, 10:22 PM
 
6,584 posts, read 23,672,159 times
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We have already been told our premiums are going down in cost for everyone except those earning $250,000 or more. High earners will have an increase in cost. I make less than $250k so mine is going down 30%.
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Old 09-11-2010, 10:41 PM
 
14,256 posts, read 16,239,363 times
Reputation: 13759
Quote:
Originally Posted by Donn2390 View Post
You are just wrong...! Insurance companies are jacking rates way up now to get a jump on Obamacare, for they know the rates will skyrocket once the new law kick in. They are getting ready fo the Hell this bill will cause.
fortunately, Obamacare will be repealed after the November elections. Obama and his corrupt administration will soon be out of power and unable to destroy America...
It will not get repealed in its entirety if at all. The provisions regarding pre-existing conditions and recission are popular ones. The Republicans are not going to set themselves up to lose in 2012 by repealing them.
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Old 09-11-2010, 10:46 PM
 
Location: Ohio
22,798 posts, read 15,991,658 times
Reputation: 19288
Quote:
Originally Posted by Escort Rider View Post
This is a very complex area, and the reasons why health care costs so much are multiple and complex.
That actually has very little impact on health care costs.

The reasons health care costs are enormous is because hospitals have created cartels which stifle competition and allow for collusion and price-fixing.

Also, an hospital is the least efficient means of health care delivery.

A good example took place in Cincinnati a few years back. A group of doctors wanted to open a cardio-pulmonary center. All they would do is open heart surgery.

The 2 hospital cartels and the "health insurance" companies ran lickity-split to Columbus and rammed through legislation outlawing it.

Why?

Because their published fee schedule had the cost of open-heart surgery $13,000 less than the cheapest hospital here charges.

That means everyone who has open-heart surgery in this area pays $13,000 more than they should be paying (and in some cases their paying more than $20,000 more).

The hospitals complained the cardio-pulmonary center would "siphon off" a large part of their client base, um, patient base.

How is it they can charge $13,000 less?

Do they have an $8 Million parking garage to pay off? No.

Do they have private police with multi-million payroll? No.

Do they have to pay the high cost of insuring a parking garage? No.

Do the have to subsidize a geriatric ward? No.

Do they have to subsidize a pediatric ward? No.

A psychiatric ward? No.

The special pharmacy with psychotropic drugs? No.

Weight loss clinic? No.

Orthopedics? No.

Ophthalmology? No.

Ear, Nose and Throat? No.

OB-Gyn? No.

Emergency Room? No.

Anyone figure out why it costs less yet?

If women went to birthing clinics instead of hospitals, they'd be paying $2,300 for child-birth instead of $9,000+

Big price difference.

Call around your local hospitals posing as expectant parents looking for a good hospital and ask how many beds for new borns there are, then go online to state vital statistics office and see how many children were born in your county.

A few years ago in Hamilton County the hospitals had 136 beds for newborns. Each bed is available each day so 136 x 365 equals 49,640 bed days, but there were only 892 infants born and if each infant stays three days, that 892 x 3 = 2676 bed days.

Isn't the number of beds available kind of lop-sided? Is that a good use of resources and money? Is that efficient? No.

The two corollaries of Capitalist Theory are "diversify and specialize."

Would you say hospitals are an excellent example of Capitalist Theory? No, of course not and because they aren't, you have duplication, waste and inefficiency.

People want an European health care system in name only. If you want system like Europe, then you'll have to close about 60% of the existing hospitals.

We have 19 hospitals here serving a county population of about 1 Million. I guaran-damn-tee you that you will not find a situation even remotely close to that anywhere in Europe.

For 1 Million people, 4-5 hospitals is all you need.

You want to know how Europeans manage costs? You can't get open-heart surgery in just any hospital. You might have to travel by car or train about 8 hours to get to a hospital that performs open heart surgery. Why? To prevent waste and duplication.

You want to lower health care costs 700% in just a few minutes?

1) Adopt the sports rule. You can only own one hospital per market.

2) Outlaw cartels and establish strict regulation. If an hospital administrator even thinks about contacting an administrator at another hospital in person, by phone or by e-mail, they have stop everything and file a 378 page report with a regulatory agency. That'll put an end to collusion and price-fixing.

3) Define "hospital" as any medical facility that offers more than 4 different types of medical services, then require any facility that offers 5 or more services to obtain a special license the cost of which will be equal to 50% of their gross revenues. That'll put an end to hospitals and force them to diversify and specialize, which will lower costs tremendously.

The result will be that many facilities and clinics won't be able to compete and go under, and then number of service providers will be reduced which will further cut costs.

Quote:
Originally Posted by Escort Rider View Post
They include insurance company greed
The solution there is to tax "health insurance" companies out of existence or until the reduce their profit margin to less than 20%.

Quote:
Originally Posted by Escort Rider View Post
tort law (practicing medicine to include unnecessary tests and procedures with an eye to potential lawsuits)
That won't help. The main problem is you'll have two lawsuits where a hospital negligently amputated the wrong limb, yet in one case the plaintiff will get a jury award of $650,000 and in the other case $17 Million.

That needs to be standardized (yes, put a price on body parts) with a special modifier based on occupation. The jury then can award additional damages if there is negligence, and let the damages arithmetically multiply for repeated incidents at a hospital, for example Tampa General amputated the wrong leg of a patient twice in less than a year. No excuse. First lawsuit is $1 Million, 2nd $2 Million, 3rd is $4 Million etc.

Quote:
Originally Posted by Escort Rider View Post
, the high cost of high-tech diagnostic tools (such as MRI's and colonoscopies)
That is less of an issue than abuse. We had some smirking **** in our office who had sonogram every month of her pregnancy, and no it was not a problem pregnancy. There is no possible way to medically justify that, but then as I've been saying all along, the difference between Europeans and Americans is that Europeans go to the doctor to get well, while Americans go to the doctor to feel good.

"Getting well" and "feeling good" are not the same thing, and "feeling good" is going to cost an awful lot of money.

Quote:
Originally Posted by Escort Rider View Post
, and the reluctance in some quarters to stop extreme end-of-life measures in favor of hospice care.
That will be a serious problem with Obamacare (or any other national health care plan), unless the 14th Amendment is stricken or altered to avoid it.

Quote:
That is our own collective choices of poor health habits. About 20% of adult Americans still smoke, and while we rightly applaud the substantial reduction from 20 or 30 or 40 years ago, this still adds to the cost of health care.
And your evidence of that is what, exactly? Before people smoked, people died of lung cancer. Yeah, I'm talking way back in the 1400s and 1500s. When you finally outlaw tobacco I'll be laughing while you try to figure why you still have the same number of people dying from lung cancer every year (if not more people).
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Old 09-11-2010, 11:45 PM
 
48,508 posts, read 88,644,248 times
Reputation: 18188
Quote:
Originally Posted by HappyTexan View Post
I noted above (post #8)..some parts are kicking in during September so in a few weeks insurers will have to honor the new mandates.
There is a grandfther clause in the bill on employers that how provide insurance. I am not sure the exact terms but those that want to be grandfathered under the bill must adopt the new mandated terms this year. I know my employer is and is setting upo a trust to cover all future csotas determined by actuary. The otehr thing that they are alowed to do is to decouple groupos. That being present employees;present retirees;future hires and furture retirees. For examle they can base why they contribute to presnt workers who retire by years served;and new hi9re retirees to actaully contribute nothing if they retire before medicare age. But they have to offer the new hire that retires the pool plan but at full cost them if they want. If under contract nothing changes until a new contract is drawn up. Between empooyers wanting to control cost and present empoyees it coud be really tough on new hires.It means increased cost to empoyers anyway and they need to have the numbers run because it is important when they want to raise funds as to cost because of liabilties in out years.
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Old 09-14-2010, 10:20 PM
 
4,730 posts, read 3,765,564 times
Reputation: 14367
I was paying ninety five dollars a month for a med-advantage plan, my agent called today to tell me that they are discontinuing this plan and going with AARP, for the grand total of one hundred and ninety dollars a month, twice what I was paying, yes that health care reform sure showed the insurance companies who's in charge here, UUHHH, them, Obviously........
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Old 09-14-2010, 10:43 PM
 
Location: Conejo Valley, CA
12,470 posts, read 18,215,974 times
Reputation: 4343
Quote:
Originally Posted by jimhcom View Post
Health care costs are going up in California by somewhere between 19-29%. This increase is in direct contrast to what proponents of the Health Care Bill said would happen, but exactly what critics expected.
As usual, you are being dishonest. The hike by Anthem Blue was in the works before the new Health Care Bill, in fact they hiked rates before the health care legislation but was forced to reverse them temporarily by California.

Secondly, the supporters of the health care bill did NOT say that short-term rates would decline. The meat of the new health care bill will not be in effect until 2014 as a result one should suspect business as usual until 2014.
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Old 09-15-2010, 07:14 AM
 
Location: Near a river
16,042 posts, read 20,084,553 times
Reputation: 15724
Quote:
Originally Posted by jimhcom View Post
Health Insurance Companies Dramatically Increase Premiums Due To The New Health Care Law And There Is Not Much We Can Do About It

Health Insurance Rate Hikes OK'd in California - CBS News


Health care costs are going up in California by somewhere between 19-29%. This increase is in direct contrast to what proponents of the Health Care Bill said would happen, but exactly what critics expected.
The reality is that it costs more to remove caps on healthcare. It costs more to give health care to those who do not want to pay for it. Some one has to pay and now we are seeing who that someone is, it is you and me.
When Congress let Insurance Companies write the Health Care Bill, and then shoved it down the publics throat without debate, saying “we will find out what’s in it after we pass it” any one with have a brain saw this coming.

Correction: It costs more to give health care to those who cannot pay for it.
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Old 09-15-2010, 08:04 AM
 
Location: San Diego California
6,797 posts, read 6,641,250 times
Reputation: 5180
Quote:
Originally Posted by newenglandgirl View Post
Correction: It costs more to give health care to those who cannot pay for it.
People can always afford what they want....But never what they need.
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Old 09-15-2010, 10:04 AM
 
Location: Near a river
16,042 posts, read 20,084,553 times
Reputation: 15724
Quote:
Originally Posted by jimhcom View Post
People can always afford what they want....But never what they need.
That's a gross generality that may or may not be true in view of health insurance. I notice that those making statements like these are just reading the daily news/literature of their class.
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