patrick.net

Like I said, the way you are thinking you will never see it till it is too late.

It is kinda like “as carbon emmissions go up, average temperatures also go up.” You buy that one?

As government takes more responsibility for health care, it has driven costs up. Same same.

AdHominem says

It is kinda like “as carbon emmissions go up, average temperatures also go up.” You buy that one?

It's actually nothing like that. There is no similarity at all.

AdHominem says

Same same.

Oh, now I get it. Same, same. Why did't you say that in the first place??

Its okay tatu have some more koolade.

AdHominem says

Let’s deal in realities. Why did the clinic above not accept Medicare? Why did the pharmacy above not accept Medicare?

Why doesn't the clinic accept Medicare? Let's ask the clinic.

Why doesn't the pharmacy accept Medicare? Let's ask the pharmacy why it doesn't accept the insurance provider that the customer chose under Part D.

AdHominem says

On one hand I feel sorry for this woman, because the system she depended on has let her down. She paid into it her whole life probably (and now you want her to pay out of pocket?)

Yes, she did pay all her working life into the Medicare system. But that doesn't guarantee care, any more than having health insurance guarantees that there will be a local provider to care for a patient. You're angry at the government for something that free enterprise is responsible for.

And yet, you continue to support free enterprise and blame the government. Ad hominem... I mean ad nauseum.

Ellie, seeing as how she was forced to pay into Medicare, it is not Free enterprise that is to blame. It is HER and HER GOVERNMENT.

AdHominem says

Ellie, seeing as how she was forced to pay into Medicare, it is not Free enterprise that is to blame. It is HER and HER GOVERNMENT.

Is it the government's fault that she doesn't live near providers? That she chose a prescription drug plan that her pharmacy doesn't use? You say that you want less government, but you say that the government should force participation by private companies.

Perhaps you should discuss things about which you have more knowledge. But that would take the indignant wind out of your sails.

Actually I did not say what you said I said.

But what I will say is this, government should very rarely have to force anyone to do or not do anything other than do no harm to your neighbor. Too bad she was FORCED all her life to pay into a system that is now not working very well for her at all.

I can speak for myself. So please go back to your koolade.

Oh, by the way. I like that you are now implying that it is her fault for living in a rural area. (she lives in the same town as the clinic that she has gone to for 15 years, but doesn't do medicare) She should have gotten housing in the government approved tenements right comrade?

AdHominem says

Quack,
Since you love statistics. I thought I WOULD share some with you if it makes you feel all warm and fuzzy and safe to have “data”.
from http://www.cms.hhs.gov/NationalHealthExpendData/downloads/tables.pdf
In 1960 Private payer portion of health care expenditures was over 75%, with less than 25% being paid by Federal taxpayers. In 2007 private pay had fallen to under 54%, and government spending on health care had balooned to over 46% of all health care expenditures in the US.
During this same time the total amount of spending on health care in the US has ballooned from $27.5 billion to over $2.24 TRILLION. As government has gotten more and more involved in health care, costs have sky rocketed. Costs are up because government intervention has driven them up. And like a self fulfilling prophecy more and more people are becoming dependent on the government to “provide” for them.
What we need is a government that will protect us, so that we can provide for ourselves. Not a government that protects itself so that we can provide for the elites.

So there has been no price increases since 1960 except health care?? There has been no changes in health care to increase the prices since 1960? Do you even have the vaguest clue what the standard of care in 1960 was? You are a scientist of what, astology?

I have lived (not visited to see the Eiffel Tower, lived and worked) in France, Canada, and currently New Zealand. I can assure you the health care in those places is just fine. Better in some respects, worse in others. I can also assure you that people from first world countries are NOT coming to the United States for health care with the exception of very, very limited experimental procedures that are being done at the most advanced research centers and not available in other places. Try to get your US insurance carrier to pay for one of these, good luck. Lots of well off people from third world countries come to the US for health care because they can't go to any other first world country. Everyone else in the first world has public health care that is available only to the citizens of that country.
I agree with elliemae. You contradict yourself constantly.

Good, perhaps you could get together for some koolade. Talk about how great medicare is and stuff.

I'm curious, what would her premiums be if she had to shop for health insurance like the rest of us? Or pick certain jobs based on benefits provided? Considering most of health care is used by this age group what would insurance companies do if they had to start covering these folks and all of their meds, hip, knee and valve replacements, the CABG's, the MI's, the strokes, etc. It's an expensive population.

Medicare was designed for a much shorter life expectancy and now that folks are living longer THANKS TO MEDICAL ADVANCES we are now seeing the effects. Someone's gotta pay for it.

How's this for a medical story not related to insurance at all. My spouse's great aunt suffered a stroke in Cuba, Alabama. Ambulance arrived and drove the 45 minutes to Meridian, MS only to find out there were no beds available so they then had to drive 2 hrs to Birmingham, AL. If you know anything about strokes and MI's timing of treatment is everything. Needless to say her outcome was not good as she dies a week later due to lack of timely care. Rural healthcare in general stinks.

AdHominem,

I had a baby summer of 2006. Was paying about $350/month for family coverage. My out of pocket was about $500 TOTAL for prenatal care and delivery. Fast forward to this past March, another baby, this time paying $500/month in health insurance premiums (quite the increase, huh?) and my coverage has declined. My out-of-pocket this time around was $2,500.

Can I blame the government for the steep increases?

AdHominem says

Oh, by the way. I like that you are now implying that it is her fault for living in a rural area. (she lives in the same town as the clinic that she has gone to for 15 years, but doesn’t do medicare) She should have gotten housing in the government approved tenements right comrade?

When one lives in a rural area, one often must do without.

But, let's play. Which Medicare plan does she have? Does she have a secondary? Does that secondary require pre-auth's? Did she choose her prescription plan based on her need? Which plan does she have? Does it have a mail-in pharmacy - 'cause they all do. That saves people who live in rural areas from going without their meds. Does her local clinic offer full service, including walk-ins? Did she discuss her insurance coverage with them prior to choosing her medicare plan?

Are you implying that people who live in rural areas don't qualify for section 8 housing? For publich housing programs? There are multiple programs that offer subsidies for people who live amongst us.

AdHominem says

Oh, by the way. I like...you...

You like me! Right now, you really like me!

Leigh says

AdHominem,
I had a baby summer of 2006. Was paying about $350/month for family coverage. My out of pocket was about $500 TOTAL for prenatal care and delivery. Fast forward to this past March, another baby, this time paying $500/month in health insurance premiums (quite the increase, huh?) and my coverage has declined. My out-of-pocket this time around was $2,500.
Can I blame the government for the steep increases?

Obama, Osama, gubmint, capitalism, communism, the Jews, the Christians, the Moslems.Take your pick.

elliemae says

AdHominem says

Oh, by the way. I like that you are now implying that it is her fault for living in a rural area. (she lives in the same town as the clinic that she has gone to for 15 years, but doesn’t do medicare) She should have gotten housing in the government approved tenements right comrade?

When one lives in a rural area, one often must do without. Right you are Comrade.
But, let’s play. Which Medicare plan does she have?
not sure.
Does she have a secondary? don't think so.
Does that secondary require pre-auth’s? Did she choose her prescription plan based on her need? Have no idea.
Which plan does she have? not sure. Does it have a mail-in pharmacy - ’cause they all do. Good point. That saves people who live in rural areas from going without their meds. well unless you need them today.
Does her local clinic offer full service, including walk-ins? walk ins yes, full service? like not sure.
Did she discuss her insurance coverage with them prior to choosing her medicare plan? No.
Are you implying that people who live in rural areas don’t qualify for section 8 housing? No only that for 15 years she was in a good situation. Now Medicare is making it not so good. For publich housing programs? There are multiple programs that offer subsidies for people who live amongst us. That is great. can I get some?
AdHominem says

Oh, by the way. I like…you…

You like me! Right now, you really like me!

Wow, thought we could have a good debate but I guess you ain't open to that? What do you think caused the spikes in healthcare costs in the example I gave.

Many causes. Government intervention (including fraud, waste, abuse, and insulating patients from true cost resulting in demand-supply issues), expensive technology, inflation/lack of sound monetary system, private insurance that does much the same as public insurance and to a large extent is made possible by government intervention through tax breaks to employers that are not available to you and I.

This thread is BS, right from the start.

Adhominen, Where does this woman live? Whats her name? Give me some info so we can verify this story. Anyway even if true its just one story taken out of any context and as you say facts lie when put in the wrong context right? Whats your context? And here's a verifiably true story related to the one you've spun: http://www.highbeam.com/doc/1G1-113694885.html "Article: Rural pharmacies say insurers squeezing them out of business." Pop quiz: who's the protagonist? Who's the victim?

The providers have spoken, and they are saying they would rather lose patients than deal with Medicare.

Right, common sense would lead me to believe this is because they want to charge top dollar. This has to be because the doctor wanted more money or did not want to deal with some extra steps. It would be self destructing to turn down good money.

This lady was better off without their “help”, and you are too.

Well, where else would a person on a fixed income buy affordable insurance? At this age insurance would cost here $750/mo.... I am curious, because not many elderly can afford to go out and spend $250 on a 15 minute visit either. Mind sharing your thoughts on how she was better off?

kentm says

This thread is BS, right from the start.
Adhominen, Where does this woman live? Whats her name? Give me some info so we can verify this story. Anyway even if true its just one story taken out of any context and as you say facts lie when put in the wrong context right? Whats your context? And here’s a verifiably true story related to the one you’ve spun: http://www.highbeam.com/doc/1G1-113694885.html “Article: Rural pharmacies say insurers squeezing them out of business.” Pop quiz: who’s the protagonist? Who’s the victim?

I wish it wasn't true.

AdHominem says

Leigh says

AdHominem,
I had a baby summer of 2006. Was paying about $350/month for family coverage. My out of pocket was about $500 TOTAL for prenatal care and delivery. Fast forward to this past March, another baby, this time paying $500/month in health insurance premiums (quite the increase, huh?) and my coverage has declined. My out-of-pocket this time around was $2,500.
Can I blame the government for the steep increases?

Obama, Osama, gubmint, capitalism, communism, the Jews, the Christians, the Moslems.Take your pick.

@Leigh

No, this is due to the greed of the doctors, insurance companies, lawsuits and pharmaceutical companies. We the people need a government willing to go toe to toe against these entities.

4X says

The providers have spoken, and they are saying they would rather lose patients than deal with Medicare.

Right, common sense would lead me to believe this is because they want to charge top dollar. This has to be because the doctor wanted more money or did not want to deal with some extra steps. It would be self destructing to turn down good money.

This lady was better off without their “help”, and you are too.

Well, where else would a person on a fixed income buy affordable insurance? At this age insurance would cost here $750/mo…. I am curious, because not many elderly can afford to go out and spend $250 on a 15 minute visit either. Mind sharing your thoughts on how she was better off?

She would have been better off if instead of "contributing" to social security she saved her money in a tax free health savings account or some other form of savings that she had control over and could benefit from personally. Instead she was forced to fund the bureaucracy that spent it years ago.

@Leigh @Adhom

I am still trying to figure out how the process works and how the process SHOULD work...any ideas?

AdHominem says

4X says

The providers have spoken, and they are saying they would rather lose patients than deal with Medicare.

Right, common sense would lead me to believe this is because they want to charge top dollar. This has to be because the doctor wanted more money or did not want to deal with some extra steps. It would be self destructing to turn down good money.

This lady was better off without their “help”, and you are too.

Well, where else would a person on a fixed income buy affordable insurance? At this age insurance would cost here $750/mo…. I am curious, because not many elderly can afford to go out and spend $250 on a 15 minute visit either. Mind sharing your thoughts on how she was better off?

She would have been better off if instead of “contributing” to social security she saved her money in a tax free health savings account or some other form of savings that she had control over and could benefit from personally. Instead she was forced to fund the bureaucracy that spent it years ago.

Supposing that she worked and wasnt dependent upon her husband, she would need to have saved up to 2 million dollars to ensure that she did not fall victim to expensive life saving treatments often needed by the elderly.

She would go bankrupt very quickly without low costs.

XXXX

Yes, I agree, why not let Walmart take a crack at it? I am not really kidding. The government and medical elites have had a strangle hold on health care for too long. (for further explanation check out the post on the "Meet the unelected..." page.)

4X says

@Leigh @Adhom
I am still trying to figure out how the process works and how the process SHOULD work…any ideas?

One should walk into a clinic and receive treatment. If medication is prescribed, it should be provided. Health checkups should occur annually. An insurance claims manager shouldn't tell a doctor how much treatment to provide. No bonuses for denying benefits.

4X says

AdHominem says

Leigh says

AdHominem,

I had a baby summer of 2006. Was paying about $350/month for family coverage. My out of pocket was about $500 TOTAL for prenatal care and delivery. Fast forward to this past March, another baby, this time paying $500/month in health insurance premiums (quite the increase, huh?) and my coverage has declined. My out-of-pocket this time around was $2,500.

Can I blame the government for the steep increases?

Obama, Osama, gubmint, capitalism, communism, the Jews, the Christians, the Moslems.Take your pick.

@Leigh
No, this is due to the greed of the doctors, insurance companies, lawsuits and pharmaceutical companies. We the people need a government willing to go toe to toe against these entities.

Yeah, know it's not the guberments fault. This poster wants to blame the guberment for everything wrong in this country. I am an RN. I see who private insurance, big pHarma, lawsuits, etc play out every dang day. More later as I gotta get to work...

LOL, I heard the argument before. She should have been able to take all those SS and Medicare payments throughout her working years and invested in a HSA, stock market, etc. She should have control. LOL, Gee, look what's happened over the past ten years...'she' would have bought the biggest damn house she could (not) afford, place to new large SUV's in the garage and had manicures, vacations, Prada, etc....living large baby, it's the American way!

Let's get rid of fee for service for starters, the more procedures, labs, etc performed the more the doctor gets paid...but I really need to get to work...more later.

I believe in fee for service. As long as the person paying the fee is the person receiving the service.

AdHominem says

I believe in fee for service. As long as the person paying the fee is the person receiving the service.

Which is not how it is today. I would like to go back to catastrophic insurance only and pay out of pocket for basic services and see what that does to health care. Would folks take responsibility for their own health. Maybe eat right and exercise to avoid diabetes and cardiovascular disease? It's been proven quite often that OTC ibuprofen works better than many name brand anti-inflammatories at a fraction of the cost.

Leigh says

AdHominem says

I believe in fee for service. As long as the person paying the fee is the person receiving the service.

Which is not how it is today. I would like to go back to catastrophic insurance only and pay out of pocket for basic services and see what that does to health care. Would folks take responsibility for their own health. Maybe eat right and exercise to avoid diabetes and cardiovascular disease? It’s been proven quite often that OTC ibuprofen works better than many name brand anti-inflammatories at a fraction of the cost.

Nah, that wouldn't work. What about R.A. or M.S. or any number of diseases or diagnoses that require treatment? They're not catastrophic, unless you have them.

Yes, sometimes Ibuprofen works well - but sometimes it's not enough. I do believe that lifestyle diseases, such as obesity or come cardiac dx, should be addressed somewhere...

elliemae says

Leigh says

AdHominem says

I believe in fee for service. As long as the person paying the fee is the person receiving the service.

Which is not how it is today. I would like to go back to catastrophic insurance only and pay out of pocket for basic services and see what that does to health care. Would folks take responsibility for their own health. Maybe eat right and exercise to avoid diabetes and cardiovascular disease? It’s been proven quite often that OTC ibuprofen works better than many name brand anti-inflammatories at a fraction of the cost.

Nah, that wouldn’t work. What about R.A. or M.S. or any number of diseases or diagnoses that require treatment? They’re not catastrophic, unless you have them.
Yes, sometimes Ibuprofen works well - but sometimes it’s not enough. I do believe that lifestyle diseases, such as obesity or come cardiac dx, should be addressed somewhere…

Yeah, I see your point. Besides, folks with chronic conditions rely on healthy folks as part of the insured mix, kind of like redistribution of health care dollars.

Yes - and I'd like to thank you for that. :)

Did I just hear you say what we need is more redistribution of health care dollars (wealth)? I'm OK with you having that opinion. Just wanted to clarify.

AdHominem says

I’m OK with you having that opinion. Just wanted to clarify.

I'm sure she lives & breathes for your approval. 'cause you're just so informed about everything & stuff. (thanks Nomo).

AdHominem says

Did I just hear you say what we need is more redistribution of health care dollars (wealth)? I’m OK with you having that opinion. Just wanted to clarify.

Private insurance relies on redistribution of health care dollars (and the stock market). How much money could a private insurance company make if they only took on those 65 and older, or only those with breast cancer, or only those with BMI's above 30. When I worked at a small company our premiums spiked one year and the company said that it was due to heavy usage, we had quite a few older nurses and that year two were diagnosed w/ breast cancer, one had a hysterectomy, and one had a quad bypass, and two of the younger RN's had babies. When you are only talking about 100 nurses in this insurance group that's very expensive stuff going on there.

Someone's gotta pay for it.

Which brings me to another point. I considered dropping to 24hrs per week which would mean I'd lose my health bennies. So I shopped around and discovered I could get the same coverage for half the price if I went with an individual/family plan via Lifewise. When I asked customer service why the big price difference he stated it was because of my family members' ages and overall general good health. When you are in a large company they take into consideration EVERYONE, all those old farts I work with and those overweight folks and the smokers, etc. So, yes, I am helping pay for those folks, too.

When my dad died after a very short battle with Multiple Myeloma, we were forced to flush all of his meds down the toilet in the presence of the hospice nurse. If I would have known this I would have denied that we had any left over. We flushed over a thousand dollars (out of pocket) worth of pain meds and anti-nausea meds. Complete waste. Why the hell did that have to be done.

How many other meds are sitting on people's shelves going to waste. I still have Percocet from my last delivery. What the heck am I gonna do with such a powerful pain killer.

Is there a redistribution center anywhere? Heck, I gave away gallons of my breast milk after discovering the long list of allergies my son was experiencing, why not prescription meds?

Leigh,

I am all for VOLUNTARY wealth redistribution. Where I have a problem is when people are FORCED to do so.

Leigh says

Is there a redistribution center anywhere?

It is illegal to re dispense medication in the US (Medical industrial complex hates competition). However I do believe there are missionary organizations that can take donations to the third world. Perhaps you could find one of them to take the meds.