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But then the ‘real’ physicians, or the ones who know what they are doing and not harming patients(because bad doctors truly harm more patients than they help), would demand MUCH higher rates than the bad doctors, so nothing would really change by increasing the supply , you also increase the supply of ‘real’ physicians along with bad ones…atleast there is net increase in ‘real’ physicians ( if you have H1B doctors). Supply also influences how much insurance pay’s. If it was completely upto insurance, then whats stopping them from paying all the doctors just $5 a visit ?Some insurance tries to pay that low, but no one accepts that. That's what's happening for almost all MediCal patients in the Bay Area. Since MediCal literally pays $5 a visit, those patients can't find anyone who'll see them. The reason why it doesn't happen with private insurance is this. If one bought a policy and it only paid doctors $5 a visit, no doctor would accept this insurance, and the policy holder would have bought worthless insurance. A competing insurance company would attract these policy holders by saying, if you buy our insurance, you can actually see a real doctor instead of an imaginary doctor who accepts $5 a visit. But you have to pay more. If it's an employer trying to attract an employee with an insurance plan that doesn't allow them to see any doctors, an employee may take a job with another company that offers an insurance plan that allows them to actually see a doctor if needed. So my point is, economics 101. It's not just supply. It's supply and demand.
The reason why it doesn’t happen with private insurance is this. If one bought a policy and it only paid doctors $5 a visit, no doctor would accept this insurance, and the policy holder would have bought worthless insurance. A competing insurance company would attract these policy holders by saying, if you buy our insurance, you can actually see a real doctor instead of an imaginary doctor who accepts $5 a visit. But you have to pay more. If it’s an employer trying to attract an employee with an insurance plan that doesn’t allow them to see any doctors, an employee may take a job with another company that offers an insurance plan that allows them to actually see a doctor if needed. So my point is, economics 101. It’s not just supply. It’s supply and demand. So you agree that supply and demand work even with insurance industry..then how come if we increase the supply of good doctors ( assuming same demand), then the prices they command won’t go low ?There are two main factors that determine the price in a medical transaction, what is considered "reasonable and customary"(what the doctor feels his/her services are worth) and what insurance is willing to pay. Insurance prices are based on what Medicare sets. So if medicare pays $30 for a 30 minute office visit, then Blue Cross will pay $90. Whether there are 10 doctors or 1000 doctors in an area, they will pay the same. The reason is that the amount of patients are fixed in a particular area. Lets say that there are 10 doctors taking care off 1000 patients versus 1000 doctors taking care of 1000 patients. The cost to the insurance company is the same. If these 1000 patients see the doctor once, then it costs Blue Cross $90,000 regardless of whether these patients are seen by 10 doctors or 1000. Of course as you said, in a free market, if there are 1000 doctors why wouldn't they compete and offer to see patients for $85, $80, $70? There is some of that going on, but for the most part, there is a 'floor' to what the doctors will accept. And actually, often, the 'reasonable and customary' is actually ALOT higher than what the insurance company is willing to pay. So the doctor actually feels that the office visit is worth really $120, but is taking a 'discounted fee' from the insurance company to see the patient. Sometimes, if the doctor is popular, he/she, unless it is against the rules in that state, will make the patient pay the difference between 'reasonable and customary' and what the insurance pays.
Here it is (sorry, I get a D at tech). 40058 Kelly St FREMONT CA 94538What do you think the annual rent 40058 Kelly would be? From that and the prevailing 30-year fixed interest rate, you can get a pretty good idea of fair purchase price: annual rent / interest rate
excuse me, tell me how they are different? Most programs are handling the same volume of data and transactions in the same time execution time. Moore’s law makes sure of that. So it’s all relative.You also have no idea what you're talking about. At the most basic level you're wrong -- we can process nearly 100x as much data per kilowatt of energy used today than we were back in 1995. "Moore's Law" has nothing to do with what you're saying (and, hell, Moore's law hasn't held true since the beginning of the decade anyway). Bap made the COMPLETELY WRONG assertion that newer just means "more bells and whistles". It's the sort of thing that only somebody who has no fucking idea what they're talking about would say. You may as well say that forced air heating systems are just "bells and whistles" and we should all go back to having open fires in our one-room cabins.
Um that article came from CNN from my point of is the Liberal equivalent of Fox is for Conservatives.No, that would be MSNBC. CNN actually believes in being "objective", which is usually bullshit, and the reason why they actually have "debates" about whether or not torture is OK. Tenpoundbass says
The bill does nothing to address these issues.Nor is there any bill that will pass any time in the next 20 years that will get you what you want. The only thing that is going to work is a slow, gradual conversion to single payer. It has been 40 years since Medicare was passed. Most other countries have had a system better than medicare for just as long. Unfortunately for us, the Kennedy's got assassinated and we have to unwind 40 years of pro-insurance policies.
Excellent point. The red tape in medical education and licencing does not make bad doctor a good doctor…it just increases the barrier to entry, cost of education ..etc. Actually we might be losing out on many good potential doctors because they could not afford to become doctors.This is mostly a load of bullshit. Education is certainly not everything -- but it's a form of experience, and you need to get experience before anybody will trust you. Everybody starts with 0 experience. How do you propose that medical professionals get experience? Do you want to let any random jackass start practicing medicine, and after he kills a few people when performing surgery you decide that he shouldn't do it anymore? That's what we had hundreds of years ago. People started demanding some way to know if someone was legitimate, so certification programs were created. Today we have universities and medical boards. Whether the government is involved or not is meaningless -- the end result will be the same. You can certainly argue for industry regulation instead of government regulation, but I would point out that the track record of industrial self-regulation is piss poor, regardless of what economic theorists who support a free market model might claim "should" happen. Now, medicine isn't my field, but I've seen first hand what a lack of education can do -- I'm a software engineer. In my experience, most "self taught" engineers know a little bit about applied engineering and jack shit about the fundamentals that back it up. Most don't know anything about physics and even less about math. They think that knowing how to write some Java code is what makes them 'good', even though they don't know the first thing about algorithms and data structures. As a result, they're crappy engineers who produce crap (and, worse, inefficient crap). For the most part, these are the people who claim that there are "plenty of good engineers" because they look at the people around them and determine that they are as good or better than themselves -- not realizing that they are in that group of "bad" engineers. This is also the same group that think that computing requirements haven't changed fundamentally since 1995. They don't have the slightest clue what it costs to decrypt a message using RSA, to implement a secure operating system kernel, or to detect that a program has been modified while it is running. I say this as a self-taught engineer who dropped out of school because I thought the teachers were full of shit, only to realize nearly a decade later what it was that I had missed. It's amazing how many people who lack an education claim that said education has little or no value. If the medical industry was as full of incompetent, unregulated "professionals" as the software industry, you would go in with a broken arm and come out with two broken legs and a nose job. Your arm is still broken, but the doctors insist that your arm was always broken and if it happened to work correctly before it was unintended behavior.
I personally know many good doctors from india ( some from top 1% in thier school ) who told me that there is too much red tape in US which prevents them from landing in US as a doctor. it was easy in 80’s and then AMA made it tough. BTW, these are same doctors who treat patients from US who go to india for best in the class treatment. I am pissed off that i can get a world class treatment in india for 1/10 th the cost of US but can’t use the same labor arbitrage (so called globalization) in US.BS. If they can get a visa (which is a major problem post 9/11 and has nothing at all to do with the AMA), pass the same USMLE exams as American medical grads, and get hired by a residency program they can go through a residency program and practice here. If they are in the top 1% it should be a breeze. Or are you saying that having to actually pass the test is too much red tape? Or are you saying that the entire idea of testing is invalid? Your basic argument seems to be that testing people for competency is some kind of conspiracy to prevent competition. Eliminating it would certainly increase the supply of people like doctors and airline pilots. They could just self certify their skills and we would have some kind of web based satisfaction survey. That should work out nicely for the people that survive to be surveyed. Are you working in India? If not, how is it you are talking to so many Indian doctors who say they wouldn't come to America because there is so much red tape? How could they be from India but didn't come to America? Are they living in Poland? This statement doesn't add up. You sure have a lot of crtiticisms about the system, but don't seem to offer any alternatives except the vague idea of some type of H1B system that somehow attracts qualified docs without some onerous third party actually checking if they are qualified. I have no idea how that would actually work. Are you saying we don't want or need licensing here, but that we should accept licensing from other countries for qualifications? You don't see a little contradiction in this thought? Or should we just accept anyone who claims to be a doctor in another country, let them start operating on people and see how it works out? Hey Bap33, did a doctor rape your sister or something? If you really believe 80% of the people who become doctors are unqualified you are a seriously warped individual. That's one of the stupidest things I've ever seen posted. What exactly do you do for a living (or in life) that makes you so qualified to pass judgment on people who spend 11-15 years and hundreds of thousands of dollars to pursue their profession.
i am just saying that you need “CERTIFICATION†and NOT LICENCING !!!!!! There is a difference.Uh, yeah, the difference is that practicing without a license gets you thrown in jail. Other than that they're the same thing. zetabeos1 says
Have you taken some time to mentor/train these ‘bad’ engineers? Your job, if you are a manager, is make your staff leaders for years to come.I'm not currently in management (managers aren't engineers -- it's a completely different role for people with completely different skill sets, and good engineers rarely make good managers and vice versa), but your argument could still apply to a limited extent. The short answer is "yes", but that doesn't change the fact that 80% of people who are employed as software engineers aren't very good at it. We make do with what we have, but it would be a lot better if we just had better people, period. I'm all for more H1-Bs because it would mean a larger pool of good people to choose from. I don't have 10 years to spend training someone to make up for their own incompetence; technology can't wait that long. Bap33 says
There is no healthcare issue. None.You don't consider the fact that we pay twice as much per capita for health care as any other country in the world to be an issue? You don't consider the fact that our medical costs account for 16% of GDP to be an issue? You don't see the fact that the only medical care program available for the elderly is going to be insolvent in 20 years as an issue? Are you on medication right now? Bap33 says
it would appear that free healthcare don’t work over yonder.Uh, you do realize that the Japanese just elected a new liberal government that wants to expand their social safety nets (including health care), don't you? Why on earth would you point to this to support your argument? homeowner_for ever_san jose says
You are free to choose one with the training you want …who is stopping you ?If I can't be reasonably confident that the practitioner is providing verifiable credentials, that's a pretty big barrier. How do I know that the less qualified guy is qualified enough to handle whatever my particular issue is? How do I know that he's going to be aware of the side effects and interactions when he tells me that I need some particular medication? Without some significant penalty for misrepresenting one's abilities and training, there's nothing to stop someone from outright lying about them -- which is exactly what we see in other industries. We have a bunch of shitty software engineers and shitty mechanics and shitty general contractors, but we put up with those because it's unlikely that anybody is going to die if they screw up. We don't take that same risk with physicians and civil engineers and similar professions because somebody will die if they screw up.
but Patrick, we are also able to move beyond our born-into-station of life here and that is not as easy to do elsewhere. I guess that exposes us to some risk not found elsewhere too?What a heaping pile of bullshit! You have clearly never been outside of the United States if you believe such utter garbage.
A very interesting article…posted by Patrick Online database lists salaries of more than 134,000 workers across Bay Area and beyond Grown during better times, public paychecks stick out during lean years. Who are the FAT CATS now!Apparently, Patrick is one of them ;p
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