10/4/2009 11:15:24 AM
10/4/2009 12:29:56 PM
10/4/2009 4:16:21 PM
10/4/2009 4:58:10 PM
10/4/2009 5:00:42 PM
^^ wow! that's a fantastic idea! I'm surprised no one's ever proposed it before or if they have, I'm surprised it hasn't ever gotten any traction.
10/4/2009 5:03:18 PM
it's obvious why it never got any traction... Your friends, the lobbyists. I've thought that very concept myself, though
10/4/2009 5:04:31 PM
I've mentioned the idea a couple times in this and other threads, never really heard anyone else mention it though (I'm sure someone has). As for why it has no traction, I can think of a number of immediate reasons that make it dead in the water politically.1) It's extremely straightforward, no real way to word it to increase government power (aside from the authority to demand business be conducted a certain way, but compared to current government involvement, this is an improvement).2) Shifts existing power towards the individual consumer rather than businesses or the government, neither the insurance companies, nor the government want this.3) Is a solution that doesn't require mama government making it bad for people wanting a big government solution but does indeed require some government pushing to be enforceable (either by law or judicial proceeding) making it bad for uber free marketers.4) It's a reasonable simple compromise, we can't have those in government.There are also a few logistical problems I can think of.1) It will increase the cost of insurance. Without the knowledge that they can easily get rid of a liability, insurance companies will have to raise rates to compensate for increased risk. For this to be an effective solution, there's a good chance that we will have to move to a HSA / true insurance model, where routine care is paid for by the individual2) Keeping track of which insurance companies you need to bill to get reimbursed. With the incentive to keep you as a customer, I imagine people will switch insurance less, but you will still wind up in situations where you need to keep track of multiple different insurances to get compensated. However, I'm quite positive that if such an event becomes common, we'll see insurance "consolidators" who for a fee (or a percentage of your reimbursement), will keep track of all this for you and compensate you directly.
10/4/2009 5:45:24 PM
Here is the only problem I see with your idea.Say you have health insurance, but a new treatment comes out that wasnt covered in your original plan. Would you still require the insurance company to rewrite your plan to cover the new treatment? And would you still be paying the original company premiums?
10/4/2009 7:22:36 PM
Well there's a few ways you can solve that. My two favorites are:1) The company doesn't have to but can if they choose, otherwise they pay UCR of the treatment they would pay for and customer pays difference. New treatments, while expensive at first, tend to come out because they're more effective and eventually more cost effective. I imagine any insurance company paying on a chronic disease will happily pay for any new treatments that prove to be more cost effective. I like this because it's simplest and leave room for the patient to act freely while not forcing a company to cover a treatment that falls outside their guidelines.2) The company must cover only treatments that their cheapest plan which covers the disease would cover, however it must still be covered under the original terms of treatment.I like this less because now we're getting into the mess of tracking current plan coverages and such.As to paying the original company premiums, only if you're still a customer. That's how this plan encourages companies to keep chronic patients, and it's also how insurance should work. If I pay you money to insure myself against getting sick or a chronic disease, then if I get sick under your coverage, you should pay for those treatments until I'm cured or dead.If you get into a massive car wreck today and smash up your limited edition hand made ferrari, even if your car insurer drops your coverage tomorrow, they still pay for your car until it's fixed, same if your house gets blown away in a hurricane. Why should health insurance be any different? You insure against contracting a sickness within a given time frame, if you get sick, then the insurance company pays.Of course, there will be fights over whether X treatment is really a result of Y injury I'm sure, but is that really any different or worse than fighting over pre-existing conditions now?[Edited on October 4, 2009 at 11:36 PM. Reason : asdf]
10/4/2009 11:35:31 PM
http://www.militantcentrist.com/healthcare/single-payer-health-care-by-the-numbers/
10/5/2009 10:15:45 AM
^^all that would do would make the current insurance claim everything was caused by a pre-existing condition and your old insurance co. claim that it's a new condition. and while the companies are litigating that, you go broke/die.
10/5/2009 10:44:40 AM
^ Which is really no different than how our system is now, with the exception that currently, if you do have a prexisting condition, you will find it difficult or downright impossible to get insurance because your old company won't have to pay and your new company will. Under my idea, your old company has incentives to keep you as they will be paying for some things regardless, and new companies have incentives to take you because there will be some things they won't have to pay for. Additionally, you can require that such debates get handled between the insurance companies, much the same way your car insurance is for an accident.
10/5/2009 1:37:36 PM
Under your plan why would a consumer who began diagnosed with a chronic illness under one insurance not then switch insurance companies following the diagnosis. The reason being the insurance company under which an individual fell ill would be forced to pay the bill and to avoid the higher premiums that would be a result of the insurers increase in costs the individual could then switch to an insurer who could provide them with a lower rate since they would not have to bear the weight of this chronic ailment. seems to me in that under your plan there is a lot of room for lost revenue due to easy manipulation of the system.
10/5/2009 3:40:12 PM
10/5/2009 6:50:11 PM
10/5/2009 7:28:20 PM
This may have been posted already, but here it is again:
10/5/2009 7:41:08 PM
The only problem I see with the comparison between auto and health insurance under your system, 1337, is that your car can be totaled. Not exactly a thrilling prospect for your health insurance company to say that you are only worth 500 bux, so fuck off...
10/5/2009 8:38:32 PM
Well many (most?) health insurance plans have lifetime maximums too, so "totaling" a person is not an unusual concept. But the comparison to auto insurance was really only about the issue of old insurance claiming something isn't covered by them, and new insurance doing the same thing. Basically, if that truly becomes a problem, you can make it so that the insurance companies duke it out between themselves much the way auto companies do now.
10/5/2009 11:02:42 PM
10/7/2009 5:34:28 PM
http://www.youtube.com/watch?v=KvEJBAnmNu0is anyone angry at cnn for this?
10/7/2009 9:10:07 PM
Meh. It's evident the writers of the song took particular care to keep from taking a side on the issue. The message is to support healthcare reform. I think that's a non-partisan message, or at least it should be. If it was to support or oppose the public option, I would have a problem with that. They do show entertainment pieces on CNN, so singing kids doesn't necessarily bother me, either.
10/7/2009 10:38:26 PM
fox news is serving it up as "cnn supports indoctrination" even though its a private school.the kids wrote all of their songs btw and picked the covers too.
10/7/2009 10:52:54 PM
10/8/2009 12:35:30 AM
10/8/2009 6:55:36 AM
10/8/2009 10:41:58 AM
This is the best compromise idea that's been floated so far. I hope it makes it into the final bill.http://www.huffingtonpost.com/2009/10/07/dems-discussing-public-op_n_313054.htmlBasically, you get a robust national (that's the key) public option supported by the most populous and economically powerful states, and you put red state GOP legislators in a very uncomfortable position. It's actually political genius.[Edited on October 8, 2009 at 11:31 AM. Reason : :]
10/8/2009 11:22:55 AM
That is pure crap. Yes, that would help the local special interest problem, but it doesn't fix the "this is a terrible idea being made worse" problem. A great idea would be introducing a national private option, introducing some competition to the regulators. We could cut a huge chunk out of the current health-care costs if we just brought the cost of insurance in California down to the cost in Wisconsin. [Edited on October 8, 2009 at 11:49 AM. Reason : .,.]
10/8/2009 11:48:04 AM
Drop the act and say it: "fuck poors"
10/8/2009 11:49:10 AM
yea because it would be impossible to actually lower costs and pay for poor people at the same time.
10/8/2009 11:55:52 AM
No, it's okay. Just say it. Give me a second of honesty.
10/8/2009 1:42:53 PM
yea lets just spend a shitload of money so that in 30 years when theres nothing left we can look back and say "well atleast we helped a few poor folks for a while".If you want to help poor people you need to lower their energy costs, lower the cost of healthcare (actual healthcare, not insurance), give them better access to better education, and then once all thats done give them handouts to make up the remaining difference.But you're right. Fixing the cause is fucking stupid lets throw money at the symptoms.
10/8/2009 1:54:45 PM
Not necessarily agreeing or disagreeing with what you're saying. I just wish some of you dishonest motherfuckers would come out and say what you're thinking.
10/8/2009 2:22:23 PM
honestly, i don't want to pay for someones health care. (that i'm not related to)i know the whole 'if everyone pays and everyone is covered costs go down and the general well being of the country goes up' mantra, but honestly i think my taxes are gonna go up more than whatever piddily amount the costs of healthcare will decline.in fact i think my taxes are going to keep going up while simultaneously providing me with less benefit(s),service(s), and protection(s) in the long run. so why the hell would i want to speed up that process?
10/8/2009 3:22:53 PM
10/9/2009 5:53:55 PM
10/10/2009 9:40:24 AM
are the payouts still tied to the consumer price index so that costs will stay in check in the future?
10/10/2009 9:53:58 AM
^^^ class warfare, what?^^ and all of that is under the assumption that the actual outlays are as projected. How did that work out for Medicare projections in 1965?
10/10/2009 2:44:35 PM
10/10/2009 2:55:01 PM
10/10/2009 2:55:14 PM
if only the gov't were looking out for the people, you might have a point. No, the gov't only looks out for the special interests, including corporations, all while claiming to look out for the people.
10/10/2009 3:06:37 PM
All regulation is for the good of someone. You just need to dig a little deeper to find out who. For example, the current health-care bill would be good for the insurance companies, the hospitals, doctors, and their accountants. If you think health-care is expensive now, just wait until it is mandatory.
10/10/2009 11:41:05 PM
http://www.denverpost.com/ci_13530098this type of shit should not fly.
10/12/2009 7:43:38 AM
^ The baby was not refused insurance, their current insurer covered him. It is only a lower cost insurer that refused them, which is probably how they manage the lower cost thing. If it was illegal to turn down anyone then the would simply stop being the lower cost insurer. After-all, while the law under consideration would force insurance companies to accept customers against your will, we are still a somewhat free country, so the law does not yet force you to be an insurance company. [Edited on October 12, 2009 at 9:35 AM. Reason : .,.]
10/12/2009 9:29:36 AM
So could someone summarize what the state of things is?My impressions:- We will have a new public option * I will not be eligible for the public option (i heard like 85% of ppl won't be eligible, I'm sure i'm one of them)- The pre-existing conditions stuff will be eliminated- I will be required to have health careI think that's a relatively fair assessment. I don't like it. I mean, why should I ever support a public option or any politician that talks about a public option if it won't be offered to me? And why would I want to be forced to get health care? Maybe I wouldn't care if you forced someone else to provide me with health care, but that's not what it sounds like. And the pre-existing condition elimination could be a good thing, but only if the government did enough to support health care such that my options won't be dwindled by that provision (like a public option), and honestly, it looks like they will be.So I would greatly appreciate someone telling me how I'm wrong.
10/12/2009 9:54:48 AM
10/12/2009 11:04:22 AM
http://www.realclearpolitics.com/articles/2009/10/12/world_should_catch_up_with_our_health_care_98673.html
10/12/2009 11:12:37 AM
10/12/2009 11:14:25 AM
10/12/2009 11:36:45 AM
10/12/2009 11:37:54 AM