Describe your ideal health care policy.

Discussion in 'Politics' started by Toronado3800, Nov 7, 2010.

  1. Toronado3800
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    Toronado3800 VIP Member

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    In my opinion the cost of the level of medical care we want makes the old private insurance / government welfare system unacceptable. Private insurance costs too much the government forces hospitals to treat everyone on my dime and medical procedure technology and associated costs are going up.

    SO, to temporarily fix the math and make healthcare access about fair across the board I propose EVERYONE should have to pay their fair share. Is Obama care fair, I dunno, seems ok.

    The money should probably go to private insurance companies but then again what do insurance companies do for a living? Try to charge an extra dollar to make a profit? They do accomplish a little by switching their covered providers to those who can do ACL replacements and heart transplants cheaper though so thats worth something. With enough regulations they can be kept in check.

    Lets say the more or less 16% of our GDP spent on Healthcare / $7600 a year per person comes out to $633 per month. Well fine, we should all pay it. My wife and I can, guess we have to cover our kid so its $947ish a year for us.

    NO ONE should be exempt from this if they expect medical treatment in the United States during their lives. Anything else goes along with the current system of I pay insurance and taxes and other ppl show up at the hospital expecting to get a treatment for free.

    What I have not figured out how to do is force the lowest 5% -10% of the population to pay. On average they have more (self induced sometimes)problems than the rest. Situation sucks, unemployment is always 5% and more than 5% of our population are idiots. Ever watch cops? It sucks. So lets put another 15% onto "everyone's" costs for human failings...$1089 per year for me.

    Controlling medical costs is another series of issues. Tax breaks to invent cheaper to operate MRI's....using liberal big government to regulate and limit the court system....importing more Indian doctors to create more competition...whatever ideas are fine. That's a different issue IMO.

    So yes, my opinion is everyone should have to pay a federally accepted insurance company $1089 for healthcare this year, probably 1189 next, 1289 the next, you get the idea.
     
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  2. Madeline
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    Madeline BANNED

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    The happiest I have ever been, health insurance-wise, was the PPO I belonged to down south. All Rx drugs were $5 and so was a visit to the MD. The PPOs have a bad rep as far as denying care to the very ill, especially as to experimental drugs, but on the whole I thought it was a fabulous system.

    Get RID of insurance and the whole concept of risk-sharing; just pay salaries and buy drugs and equipment as needed to care for the patient load -- aka universal coverage.
     
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    Last edited: Nov 7, 2010
  3. Care4all
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    Care4all Warrior Princess Supporting Member

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    $150 bucks a month, max.... for starters. :D

    $100 buck deductible

    max out of pocket per year $1000

    Insurance pays 80% for whatever the doctor thinks is necessary and best for me and each individual patient...I front the 20% for me until max out of pocket is Paid.

    PERFECT! (in a dream world, I suppose)
     
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  4. Toronado3800
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    Toronado3800 VIP Member

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    Madeline, that sounds like a good deal on the PPO! My wife's new job with a pharmaceutical company now gives her better insurance than I have even though I have been with a company seven years so I think I understand.

    I feel if we just allow hospitals to bill the government for their services at the end of the year costs will rise due to the human tendency towards corruption. Government workers will also not have the same incentive as a private insurance company to inspect the paperwork.
     
  5. rdean
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    rdean rddean

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    Similar to the VA, considered by many to be the best system in the world.

    To begin with, they start off with a data base where every single illness and drug treatment are entered. From that, we can know what is effective and what isn't with data pulled directly from real cases.

    Insurance companies are there to make money. They would never invest in something like this and Republicans don't want them too. Because their goal is to gut the American economy and squeeze out every cent the can. It's not like they hide it.

    Republicans have convinced the American People that something that actually helps American citizens is "socialism" and should be stopped. So I want a health care system that helps Americans and not just lines the pockets of a greedy few. A national data base is the place to start. The other is a public option.
     
  6. The Infidel
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    The Infidel EVIL CONSERVATIVE

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    I dont really have time to line mine out as well as OP did, but to me the ideal system is a private industriy where the Gov't is hands off...maybe some oversight, but let the private sector take care of itself.

    In other words If I am not on the governments payroll, they need to leave me the heck alone.

    Social medicine does'nt work... it has'nt worked anywhere else, so what gives us the idea it will work for us? Guess thats why people come from all over the world to seek HC here :eusa_eh:

    No quick solutions really.... but what they rammed thru last March was a joke!


    Oh... one more thing.... if your not a citizen, you go home to get your healthcare (except in extreme emergencies)
    I work in the medical industry and it is appauling how many people are here illegally and we cater to them hand and foot. While American citizens wait in line behind them in E.R.'s -- thats just not right.
     
    Last edited: Nov 7, 2010
  7. loosecannon
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    loosecannon Senior Member

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    Nobody should buy any insurance except catastrophic insurance. And catastrophic insurance used to be dirt cheap, dunno what it would cost today.

    I want bare bones Cuban style care with easy appointments and no waiting. I want it to cost about what Cubans pay for their care. I want the US government to allow me to make the trip to Cuba to get this care! What I save will offset the airfare and accommodations.

    In an ideal world people would not receive end of life care that cost more than their net worth. Perhaps the reverse mortgage is the best way to make that happen. A lot of people who can't afford end of life care should expect to die.

    We simply can't afford to spend more money on end of life care than the net worth of those receiving it.

    People are not designed or intended to live to the ripe old ages we achieve.

    Death panels are necessary until we learn how to face death like adults.
     
  8. washamericom
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    washamericom Gold Member

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    we need to seperate healthcare from profit the way we need to seperate weed from drugs. a non profit private corporation. higher top business leaders. find doctor residents one year before they finish becoming doctors, pay them one hundred thousand dollars a year tax free, if they keep their job for a couple of years, pay off all of their loans. tax the shit out of the pharmaceutical companies and give the money to nurses. open up free self regulating clinics. finally, make the loser of the trial pay the cost of bullshit lawsuits against medicine and those who practice medical care.

    so... make weed legal, fire the lawyers, no tax ever for doctors, nurses (no unions though) or the military. no profit for medicine, and no more breaks, just black coffe and hard work for awhile.
    remember after the government, the biggest problem in america is the insurance industry, and other unions, like the post office, newman
     
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  9. Flopper
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    Flopper Gold Member

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    There is no way to control the cost of healthcare as long as it is a fee for service system. The more services the healthcare providers sells, the higher the profits. The doctor says you need an MRI and some blood work and he needs to see you again next week. The cost to patient is $30. Cost to the insurance company is $2,000. Next year the doctor repeats the same test to see what's changed plus half dozen other tests. Is the patient going to evaluate the service in relation to the cost. Of course not. He's paying an arm and leg for his health insurance and he's going to utilize it to the fullest, so the patient does not control costs. You need only to look at premium increase as evidence that insurance companies have proven to be very ineffective at controlling cost.

    In effect, we have a free market system in healthcare and the buyer, patient/insurance company is unwilling or incapable of evaluating the value of the service relative to the cost. There can be only one result, higher and higher costs.
     
  10. Trajan
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    Trajan conscientia mille testes

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    what I have now. a health savings fund. 2500 a year, no deductible, no co-pays. Hosp stays etc. are paid from the major med. section. Zip from our pocket. No referrals nec. I see who I want, when I want.
     
    Last edited: Nov 7, 2010

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