Damn Insurance Companies rule the world!

Makes me wonder why so many Canadians I know come south for health care? Don't believe everything you read RG. My health care is exceedingly professional, simple, straightforward and affordable. As a disabled vet, I qualify for benefits I've never taken advantage of since numerous other avenues are available to my family and I. Lastly, if I were seriously ill with a treatable disease there is no place on the planet I would rather be.

roy
 
Thanks RGman for even watching our USA health care "concerns", thats the most polite term I have. At 54 yrs, I am truly grateful for good health. At this point I've left liberal Oregon, tho not far enough. I am a life long tax paying working class American living on the edge. No current health care (so fine me ! ) No doctor. Still Riding at risk occasionally.. wth why not. Even a mild STD or Dermatology issue or Broken tooth would be a financial concern. Seeing so many with health concerns is a struggle. I am a lucky one that way ! -RT
 
My doctor tried to give me a scrip for Symbacort as a preventive measure to slow down development of COPD. I refused it because I don't have trouble breathing, don't think inhaling a corticosteroid is a good idea unless there's a serious respiratory problem, and finally because I'm not about to help fund the multimillion dollar television ad campaign for that product.

My dad practiced medicine from 1917 to 1972. In his day pharmaceuticals were advertised only in medical journals. There were no hospital CEOs, CFOs, CMOs, CCOs, and so on to suck six and seven figure compensation out of the system. There was a business manager, sometimes known as a hospital administrator, and his clerical staff. The only "Chief" at a hospital was the medical Chief of Staff and the business manager answered to him and to the hospital board. American hospitals were primarily community owned and funded. Many patient services were performed by volunteers.

The leeches attached themselves to the system when corporations decided there was money to be made by acquiring hospitals and clinics. Dad always trumpeted the efficiencies of the free market. One day in the mid 1980's I asked him "Well, how do you like the change in health care in Greenville County, now that corporate know-how has replaced public sector ineptitude?" He said "Always have to be right, don't you? You know damn well it's awful. Don't ask me again."

That was long before corporate extortion reached today's levels; by 2012, one dollar out of five from the median income family's after-tax income went for health care. If you have health care benefits at work, they're part of your compensation package; your employer may cut the check, but you're paying.
 
Makes me wonder why so many Canadians I know come south for health care? Don't believe everything you read RG. My health care is exceedingly professional, simple, straightforward and affordable. As a disabled vet, I qualify for benefits I've never taken advantage of since numerous other avenues are available to my family and I. Lastly, if I were seriously ill with a treatable disease there is no place on the planet I would rather be.

roy
Roy.........................what is affordable by you may not be affordable by many others. Would you care to share with us your monthly health care insurance cost? Does the plan have a high deductible?

Yes, I'm aware that wealthy Canadians go to the USA for medical operations. They do that to avoid waiting 3 to 6 months that occurs in Canada sometimes. Most middle class Canadians don't have the extra money to cover the costs in the USA.
We have first class medical care in Canada. When my wife found she had breast cancer, she was scheduled for the mastectomy operation in only 5 weeks. I thought that was really fast, and she made a full recovery and is cancer free. Cost we paid out = 0.

My elderly neighbour has had dozens of operations...................heart bypass, hip replacement, shoulder replacement, fused ankle, etc.; you name it and he has had it. Cost he paid out = 0.
 
RG, Capitalism and Socialism are strange bedfellows, huh! I don't and won't apologize for the success that 50 years of hard work and frugality have produced. I understand the dilemma that some are faced with. But the system does work for those who choose to participate.

roy
 
Roy......................I believe in capitalism and make use of it. Over the years, I have owned the shares of many different companies on the stock market. When those companies make a good profit, I also make a good profit. Capitalism is good.
I'm sure you have worked hard over your life. It's fine if you don't wish to reveal your health insurance cost or its deductible, but I do wonder why.

However, when it comes to health care, socialism is the best solution. Patients receive the care they need, not the care they can afford.
 
Can someone give me a hand here. Just made an account can't figure out how to start my own post.. Sorry to bite off the original poster but I was wondering if anyone knew what size aftermarket air filter I would buy for a stock 1980 xs650 carb
 
American health care was partly a public sector (socialist) service provided by communities, churches, and universities until the public sector launched its takeover, beginning in the mid-1970's. Through the 1960's and into the early 70's, doctors' fees were such that many working class patients paid in cash. Now, even with the "Affordable" Care Act, health care is still the number one cause of personal bankruptcy in the United States.

Health care is what economists call a "demand inflexible service." That means that demand doesn't change in step with price: most people will pay whatever they have and can borrow to avoid suffering and death. At the end of the day, uncontrolled for-profit health care is a legal extortion racket.

Even those hard core capitalists in Switzerland have acknowledged that fact, in the form of imposing price controls on a private sector system. And please--anyone tempted to retail the argument that "Price control is evil, doesn't work, etc.," do your homework and back up the generalizations with specifics on the Swiss system. If you're going to claim it doesn't work, back up the claim with facts.
 
the system does not work because Not everyone is covered..... some cannot afford it... Obviously ...therefore it is broken !
When I was a Kid still in school umteen years ago Mom took me to see Doc Jensen to get something out of my eye... a metal filing or bit of metal in my right eye.... he pulled it out with the tweezers .... as it was stuck in there real good...
mom paid him cash $50.00 for that visit.... the same thing would cost well over $500. ....today.
and what's worse we were notified that SSI wouldn't cover my wife's visit.... it was just a consultation visit..... they didn't do anything
it was a get to know your doctor visit.... that's all and they had the Balls to charge the SSI people $500. bucks for that visit....
My visit I talked to the doc about my Pills and he perscribed new ones... and it was $135.00 took him 10 minutes.....
needless to say we are going to check in to why the people charged SSI $500 bucks for a get to know your doctor visit !
there has to be a screw up somewhere..... no wonder SSI refused to pay it ! I would too !
I Used to have the highest respect for doctors but that has dropped to a low ebb now..... a vet is a heck of allot more practical ! he knows how to sew things up... that's all I need ! .....LOL....now I just gott'a find a vet willing to risk everything he owns to work on me... <GRIN>
...we wonder why health care is so high when the doctors have to be covered against every kind of insurance known to man .... and it is NOT cheap at all malpractice insurance alone forces Doctors to charge in the hundreds of dollars per visit just to brake even....
so they make it up in volume.... wonder why seeing a doctor is an assembly line process ? its insurances fault !
if you want a real healthy scare check on what it costs to stay a day in the hospital or a week in intensive care.....
I committed Bankruptcy one time because of the hospital they charged us well over $35,000 for a 3 day stay for my wife.
at the time that was more than my wife and I both made in a year and a half.... their payment arrangements were so much we simply could not afford them ..... and that was WITH insurance that was the amount left over for us to pay !!!!!!!!
so you can have insurance and still loose your Ass guys ! if they only pay 80% your in a world of hurt when it comes to hospitals !
.......
it's just a matter of time and they will take everything you own...... get used to the idea because it will happen ! it's the American way after all
......
Bob........
 
Propagandists for the AMA, Big Medicine and Big Pharma would like you to believe that liability laws and liability insurance premiums are responsible for extortionate health care costs. Guys, if you're going to retail that assertion, back it up with some facts--how much of the typical health care charge goes to pay for liability insurance? I guarantee you it's less than the 30 cents on the dollar charged by private sector insurers to process a claim. (Medicare, on the other hand, processes claims for 3%).

Once upon a time, patients received a paper billing from the hospitals and doctors, filled out a claim form, attached the bills, and sent them to their insurance carriers. In the 1990's, hospitals and clinics took over claim filing. The result was a dramatic expansion of administrative staff, for which we are all paying. And of course when an administrator or officer of a company has more personnel under their direction, they require more compensation. We pay for that too. And of course charges are figured on a cost-plus basis, so cost conservation is simply not a priority.
 
many working class patients paid in cash
To do so today costs you 50-100% more. I will only use my personal experience for an office visit.
If filed with insurance they charge $105, if I pay it is $185. All else is the same the only difference is who is being charged.

a dramatic expansion of administrative staff
This is one of sectors I alluded to when I say 100's of thousands would no longer be needed/employed under a single payer system.
Could the overall economy handle that?
 
Free will and self determination.
I consulted my ancestors on the issue at hand and my paternal and maternal lines said that we all got to where we are today without the need for health insurance. They mentioned that fear is an interesting motivator and to also recall the quote from a politioscientist from the late 1700's that said something like " Those that would give up their freedom for security deserve neither. "

They said that I've fulfilled my obligation to them in the life-link continuity and that the responsibility is now handed over to the grandchildren, that the meaning of life is so simple that we, the living, wouldn't believe it- but also so complex that we wouldn't understand it.....something about maintain the Golden Rule and wait for the final surprise.

They also kept pointing to the 263 Neanderthal markers that I carry in my DNA and laughed saying something about if i thought that branch had health insurance. Quite the sense of humor.......

" 5 to one, baby, one to five....."
 
Grizld1 said,
“My doctor tried to give me a scrip for Symbacort as a preventive measure to slow down development of COPD. I refused it because I don't have trouble breathing, don't think inhaling a corticosteroid is a good idea unless there's a serious respiratory problem,”

I quite agree, believe me I was not crazy about the idea. I’m no doctor, but the way my doctor explained it to me was that un checked asthma continually damages lung tissue. Without preventative care, the long term damage becomes irreversible and life changing.

RetiredGentleman said,
“ What is affordable to you may not be to others.”

This is so true, my next door neighbor had a specific type of cancer that the treatment required weekly shots that were thousands of dollars each. He did it a few times and realized he was only going to bankrupt his wife. So he stopped and quietly died.

My father died of COPD, the last few years he could not afford the medications the doctor prescribed so he would pick and choose what he could afford. It broke my heart and forever changed the way I look at our healthcare system.
 
To do so today costs you 50-100% more. I will only use my personal experience for an office visit.
If filed with insurance they charge $105, if I pay it is $185. All else is the same the only difference is who is being charged.


This is one of sectors I alluded to when I say 100's of thousands would no longer be needed/employed under a single payer system.
Could the overall economy handle that?
320 Billion US dollars could be saved, if the USA went to a government run single payer system, such as Canada and many other countries use. That is a huge amount of money that is siphoned off to health care companies, but does not provide any actual health benefit to people. In fact it takes away health care!
http://www.pnhp.org/news/2014/november/the-high-administrative-costs-in-us-health-care
 
FWIW, Canadian medical care ain't "Free" at all. It's pre-paid from taxes which is another thing entirely.
And although we do have a two tier system it's different to the USA's .
Ours has the wealthy bypassing the waiting lists by medical tourism while the rest of us stand in line.
The US model has those who can pay getting treatment while those who can't, don't.
 
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