Is it just me? health insurance related

EasyEJL

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Sebelius' comments came after disappointing cost estimates for health care legislation by Sen. Edward M. Kennedy. The Congressional Budget Office released estimates that the bill would cost about $1 trillion over 10 years and only cover about one-third of the nearly 50 million uninsured
So being a person who understands numbers a little, and realize thats where we're getting ass raped the worst (how our government is spending dollars we dont have) i pulled out the calculator and did the math. This program will cost over $6000 per person. We'd better be getting some goddamn really good healthcare for the equivalent of $24k a year for a family of 4.
 
Rodja

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Good, god. That's higher than the poverty line.
 
DAdams91982

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Don't worry.. the unconstitutional federal reserve will print notes to sell to china to pay for it... now what to do when china doesn't buy our worthless bonds?

Adams
 

saludable24

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So being a person who understands numbers a little, and realize thats where we're getting ass raped the worst (how our government is spending dollars we dont have) i pulled out the calculator and did the math. This program will cost over $6000 per person. We'd better be getting some goddamn really good healthcare for the equivalent of $24k a year for a family of 4.
Well, unfortunately, this is just like everything else; the government is just using the "problem" as cover for gaining more control in the lives of citizens.
 
DAdams91982

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Well, unfortunately, this is just like everything else; the government is just using the "problem" as cover for gaining more control in the lives of citizens.
I know, and the irony of all of this is... Government caused the crisis. It wasn't the other way around, it wasn't capitalism. Healthcare has no mystery partner to jack prices way up. Healthcare runs the way they are told, and price is passed on to the consumer from the heaps of regulations, and to pay for people like illegals who know the US will not turn their back on them. Not to mention the millions of dumb ass lawsuits. No where else can you sue a nurse because they clipped your childs nails slightly to short (Seriously, that is why the hospital we delivered at would not clip our daughters nails when she was born).

Adams
 
EasyEJL

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I love Canada.
Hmm sure, what percentage of your hard earned income do you pay to cover loosers who don't work? And how long is the waiting list for a kidney transplant? I think i'll pass, thanks.
 
Kristofer68SS

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i got one for you.........

Dirtball drug addict and alcoholic tries to kill himself, nearly succeeds btw.

Anywho, as they were trying to save his life pumping his stomach they messed up somehow and got into his lungs.................Anyways, hes alive and working, but last i heard he was sueing for 400,000 dollars...........

WTF?

EPIC FAIL for Darwinism
 
EasyEJL

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oh and btw, the new estimates are covering 13 million people (so now 1/4 of the 50 million who are in such desparate need) for a cost of 1.6 trillion over 10 years, or 160 billion a year, or over 10k per person per year.

total insanity
 
bigrobbierob

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I have a question that I will ask here....it's not off topic very much as it pertains to health insurance and money.

What if we fixed it by getting rid of insurance all together?

A market can only exist if there are people willing to pay for it right? If I made a widget and tried to sell it for $200 but people thought it was too much, I wouldn't sell any. I would need to drop the price to make it more attractive. If someone else offered a widget and a cheaper price, people may go there unless I lower mine too. It's basic free market competition.

Now in the instance of healthcare, we pay $50 a week for insurance. Then you have deductables. Then if something major happens the insurance cover only so much and you're still screwed with a huge bill. Some people have more than one insurance just to cover that!

Maybe the problem isn't that not enough people have insurance or "enough" insurance...maybe insurance IS the problem.

Maybe insurance with it's paperwork mess and willingness to pay $200 for a band-aid and $500 for aspirin has artificially inflated the prices past a substainable point.

I know some things ARE more expensive with insurance. There was one pill I was on and it was $144 a bottle, with insurance I paid $20. After a recent layoff I lost my insurance and had my doctor change it....a generic version that was $4. The same thing, just A hell of a lot cheaper. Now if "A" makes the same thing as "B" but "A" charges $20 and "B" charges $4, most consumers would go to "B". "A" would be force to drop the price to get customers back. Yet insurance is willing to pay the $20 to "A" thus "A" is able to sustain.

If you ask a doctor why office visits are so much...insurance. They have theirs, the staff, malpractice, etc.

Hospitals...a year or so ago my wife didn't feel well (facial numbness and dizzy)and went to the ER. She laid in the back for FIVE hours and other than a nurse poking her head in evey halr hour or so to ask if she was OK, nobody did anything. We finally just left because my wife decided if she was going to lay around and have a stroke/die she was doing it at home. The bill was over $1000...for NOTHING!

I had a buddy several years ago break his back. A doctor walked in and grabbed his toe and asked if he felt it...that is all...and charged $600 for wiggling his toe!!!!

Needless to say, the problem is things are OVERPRICED! Why? Insurance usually pays it and leave you the rest! The market have been sustained due to willingness on behalf of insurance to pay $200 for the $50 widget.

And because prices went high enough, soon the people who didn't have/want insurance NEEDED it.

Now, if insurance suddenly went the way of the Dodo, if prices stayed high, the majoity of people would not be able to afford go to the doctor or buy medicine and the market would have to adapt by lowering prices to a level where the product is affordable to the customer and market sustainable.

Thoughts?
 
EasyEJL

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that only works if you view healthcare as your responsibility to maintain (say by eating healthy and exercising), rather than some intrinsic right :)
 
bigrobbierob

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that only works if you view healthcare as your responsibility to maintain (say by eating healthy and exercising), rather than some intrinsic right :)
Hey..survival of the fittest! It's fine with me!
 
Mulletsoldier

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Hmm sure, what percentage of your hard earned income do you pay to cover loosers who don't work? And how long is the waiting list for a kidney transplant? I think i'll pass, thanks.
Well, that is a gross generalization of the entire system, but you know that already. The fact is, a considerable amount of data has been produced showing that the Universal coverage in Canada in terms of waiting times, quality of care and so forth is entirely comparable to private-sector care in the United States. Then there is the whole issue we have discussed before in terms of being denied for coverage due to preexisting conditions. To use your example, I would rather wait for a kidney transplant than be denied one altogether. Anyway, not wishing to get into this one in particular.
 
EasyEJL

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Well, that is a gross generalization of the entire system, but you know that already. The fact is, a considerable amount of data has been produced showing that the Universal coverage in Canada in terms of waiting times, quality of care and so forth is entirely comparable to private-sector care in the United States. Then there is the whole issue we have discussed before in terms of being denied for coverage due to preexisting conditions. To use your example, I would rather wait for a kidney transplant than be denied one altogether. Anyway, not wishing to get into this one in particular.
But the "studies" showing that in canada are biased, and also the population groups are different enough in other aspects that the point is moot. in the US having 2x the teen pregnancies and 15-20% higher obesity rates changes things. Also, apparently you don't understand how denial of coverage for pre-existing conditions works - it only is allowed to deny coverage for the length of gap in your insurance, up to 12 months maximum. If you know you had kidney issues, and it was already problematical for you, its up to you to keep insurance, or re-establish as soon as possible after a loss. The viewpoint of canada is quite different as there is a huge difference in how and why the US and canada were formed in the first place.
 
DAdams91982

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Well, that is a gross generalization of the entire system, but you know that already. The fact is, a considerable amount of data has been produced showing that the Universal coverage in Canada in terms of waiting times, quality of care and so forth is entirely comparable to private-sector care in the United States. Then there is the whole issue we have discussed before in terms of being denied for coverage due to preexisting conditions. To use your example, I would rather wait for a kidney transplant than be denied one altogether. Anyway, not wishing to get into this one in particular.
I must disagree with you on pretty much all accounts. Your care is not up to par with the private sector of the US. Your cancer rates actually fully support that as well. You cannot be denied for a preexisting condition if you go through an employer provided healthcare. If you are poor as hell, without insurance, you cannot be denied an organ transplant. Hell, a worthless piece of trash that used to be one of my fathers friends completely trashed his liver, no insurance, and guess what.... he's got a new liver.

Here is pulled from a Calgary Paper

Canadians receive poor value for health-care dollars

The beginning of May marks the end of income tax season in Canada. While the task of completing our personal tax returns and the size of those tax bills slowly fades from our memories, some Canadians may find themselves taking solace in a belief that their taxes (of which income taxes make up about one-third for the average Canadian family) at least purchased a high-quality, universal access health-care program.

Unfortunately, Canadian taxpayers are not receiving the same sort of value that their counterparts in other nations are when it comes to universally accessible health care, despite the fact nearly 60 per cent of personal income taxes paid in aggregate are required to cover the cost of Canada's taxpayer-funded health-care program.

First things first: Canadians are funding the developed world's second most expensive universal access health insurance system. On an age-adjusted basis (older people require more care) in the most recent year for which comparable data are available, only Iceland spent more on universal access health insurance system than Canada as a share of GDP, while Switzerland spent as much as Canada. The other 25 developed nations which maintain universal health insurance programs spent less than we did; as much as 38 per cent less as a percentage of GDP in the case of Japan.

With that level of expenditure, you might expect that Canadians receive world-class access to health care. The evidence finds this is not so.

Consider the case of waiting lists. In 2008, the median wait time from general practitioner referral to treatment by a specialist was 17.3 weeks in Canada. Despite substantial increases in both health spending and federal cash transfers to the provinces for health care over the last decade or so, that wait time was 45 per cent longer than the overall median wait time of 11.9 weeks back in 1997. It was 86 per cent longer than the overall median wait time of 9.3 weeks back in 1993.

Canada's waiting lists are also, according to the available evidence, among the longest in the developed world. For example, a 2007 survey of individuals in seven nations, six of whom maintain universal access health insurance programs, published in the journal Health Affairs found that: - Canadians are more likely to experience waiting times of more than six months for elective surgery than Australians, Germans, the Dutch, and New Zealanders, but slightly less likely than patients in the United Kingdom; and were least likely among the six nations to wait less than one month for elective surgery; - Canadians are most likely to wait six days or longer to see a doctor when ill, and are least likely to receive an appointment the same day or next day among the six universal access nations surveyed; and - Canadians are least likely to wait less than one hour and most likely to wait two hours or more for access to an emergency room among the six universal access nations surveyed.

That is hardly the sort of access you might expect from the developed world's second-most-expensive universal access health insurance system.

By comparison, seven developed nations--Austria, Belgium, France, Germany, Japan, Luxembourg, and Switzerland --maintain universal access health insurance programs that deliver access to health care without queues for treatment.

Access to medical technologies is also relatively poor in Canada. In a recent comparison of age-adjusted inventories of medical technologies, Canada ranked 14th of 25 nations for which data were available in MRI machines per million population, 19th of 26 nations in CT scanners per million population, eighth of 21 in mammographs per million population, and tied for second last among 21 nations in lithotripters per million population. Clearly, Canada's relatively high expenditures are neither buying quick access to care nor are they buying high-tech health-care services for the population.

Governmental restrictions on medical training, along with a number of other policies affecting the practices of medical practitioners, have also taken their toll on Canadians' access to care. Among 28 developed nations that maintain universal approaches to health insurance, a recent comparison found Canada ranked 26th in the age-adjusted number of physicians per thousand population. It should come as no surprise that Statistics Canada determined that nearly 1.7 million Canadians aged 12 or older could not find a regular physician in 2007.

While our taxes can and do pay for important and valuable services for all Canadians, we need to critically assess whether we are receiving value for the dollars we are spending.

In the case of health care, Canadians are paying for a world-class health-care system but are not receiving one in return.

Hopefully, this knowledge will encourage Canadians to think more carefully about the need for substantial reform of Canada's failing approach to health-care policy.

Nadeem Esmail Is The Director Of Health System Performance Studies At The Fraser Institute.
© Copyright (c) The Calgary Herald
 
Mulletsoldier

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But the "studies" showing that in canada are biased, and also the population groups are different enough in other aspects that the point is moot. in the US having 2x the teen pregnancies and 15-20% higher obesity rates changes things. Also, apparently you don't understand how denial of coverage for pre-existing conditions works - it only is allowed to deny coverage for the length of gap in your insurance, up to 12 months maximum. If you know you had kidney issues, and it was already problematical for you, its up to you to keep insurance, or re-establish as soon as possible after a loss. The viewpoint of canada is quite different as there is a huge difference in how and why the US and canada were formed in the first place.
I must disagree with you on pretty much all accounts. Your care is not up to par with the private sector of the US. Your cancer rates actually fully support that as well. You cannot be denied for a preexisting condition if you go through an employer provided healthcare. If you are poor as hell, without insurance, you cannot be denied an organ transplant. Hell, a worthless piece of trash that used to be one of my fathers friends completely trashed his liver, no insurance, and guess what.... he's got a new liver.

Here is pulled from a Calgary Paper
Wow, you two are quite defensive about your system. To Adams: that is one perspective, done on other Universal Healthcare systems, so I am confused on how this applies to the U.S., private sector, or the general U.S., health system. In regards to biological markers, you may want to check your infant mortality rates, life expectancy rates, serious-illness death rates and so on, Adams. The U.S., ranks relatively low on all those markers, and below Canada. As well, here are two more pieces, not published in a Calgary paper, that refute your points as well:

Here is the WHO ranking Canada #30, and the United States #37, in terms of overall quality of care - so yes, it is comparable, or better, than private-sector care.

http://www.who.int/whr/2000/en/annex01_en.pdf

Another, and for Easy:

Of 10 studies that included extensive statistical adjustment and enrolled broad populations, 5 favoured Canada, 2 favoured the United States, and 3 showed equivalent or mixed results. Of 28 studies that failed one of these criteria, 9 favoured Canada, 3 favoured the United States, and 16 showed equivalent or mixed results. Overall, results for mortality favoured Canada (relative risk 0.95, 95% confidence interval 0.92-0.98, p= 0.002) but were very heterogeneous, and we failed to find convincing explanations for this heterogeneity. The only condition in which results consistently favoured one country was end-stage renal disease, in which Canadian patients fared better.

Interpretation: Available studies suggest that health outcomes may be superior in patients cared for in Canada versus the United States, but differences are not consistent.
http://www.openmedicine.ca/article/view/8/1

So obviously Easy, a systematic review of case studies showing either superior or equal healthcare is not a "moot point".
 
DAdams91982

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I seriously cannot believe you quoted the WHO for your reference. The most politically driven organization in the healthcare industry.

United States Health Care ranking
June 6th, 2008 | by Brian Schwartz |

WHO distorted“Dr. Julie Gerberding, director of the federal Centers for Disease Control and Prevention, noted that the United States invests more on health care than any country, but that its health care system ranks 37th.” - Denver Post, April 29 2008

A Google search reveals that many people quote this World Health Organization figure on Denver Post blogs. But do any of them know what the rankings mean? John Stossel dissects the criteria:

In the WHO rankings, the United States finished 37th, behind nations like Morocco, Cyprus and Costa Rica. Finishing first and second were France and Italy. Michael Moore makes much of this in his movie “Sicko.” …

But there’s less to these studies than meets the eye. They measure something other than quality of medical care. So saying that the U.S. finished behind those other countries is misleading. …

The WHO judged a country’s quality of health on life expectancy. But that’s a lousy measure of a health-care system. Many things that cause premature death have nothing do with medical care. We have far more fatal transportation accidents than other countries. That’s not a health-care problem. …

When you adjust for these “fatal injury” rates, U.S. life expectancy is actually higher than in nearly every other industrialized nation.

Diet and lack of exercise also bring down average life expectancy.

Another reason the U.S. didn’t score high in the WHO rankings is that we are less socialistic than other nations. What has that got to do with the quality of health care? For the authors of the study, it’s crucial. The WHO judged countries not on the absolute quality of health care, but on how “fairly” health care of any quality is “distributed.” The problem here is obvious. By that criterion, a country with high-quality care overall but “unequal distribution” would rank below a country with lower quality care but equal distribution.

Other good critiques of the WHO study include Glen Whitman, who blogs about it here and published a summary here, which also links a more detailed Cato policy analysis here.
I don't care to defend our system, i think it needs to be reworked. Repeal the regulations that cause the problems, repeal medicare/caid, and banish the frivolous lawsuits that bank multi millions. The US Health Industry isn't perfect, and the reason it gets a black eye is because people dont want to take control of their own health care, instead they want it handed to them.
 
Mulletsoldier

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I seriously cannot believe you quoted the WHO for your reference. The most politically driven organization in the healthcare industry.
D, you used a newspaper as a reference, so maybe attacking methodology is not the best suited avenue for this discussion? As to John Stossel there, the WHO rankings consider 37 measures that take into account quality-of-care, and the rankings are generally quite systematic - obviously, Mr. Stossel has a bit of political slant himself. Anyway, the other study I quoted was a systematic review of case studies which more or less concluded with the same point I made above.

As I said, I really do not care about the U.S., system, but your and Easy's points about the Canadian system are out-and-out false. I have apparently misunderstood coverage denial, but that does nothing to detract from the main point.

We can trade data all day, but, generally, those are the results I have seen from countless studies.
 
EasyEJL

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Also left out on the WHO are the fact that the US is the only country with a significant sizable military (again, so young 18-26 year old fatalities are higher, making the average lifespan appear lower) and that infants who are born prematurely in the US and die as infants affect that number hugely as in most of those other countries those children are counted as miscarriages or stillborn, so do NOT affect average life expectancy.

And please read "Available studies suggest that health outcomes may be superior in patients cared for in Canada versus the United States, but differences are not consistent." May. not are, May. given what it costs you in taxation + GDP % and growth, and given the differences in so much of the rest of the population base, theres nothing conclusively showing that universal health care is better for any group other than the non-producing non-useful segment of society, the people living on state provided kraft dinners.
 
DAdams91982

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D, you used a newspaper as a reference, so maybe attacking methodology is not the best suited avenue for this discussion? As to John Stossel there, the WHO rankings consider 37 measures that take into account quality-of-care, and the rankings are generally quite systematic - obviously, Mr. Stossel has a bit of political slant himself. Anyway, the other study I quoted was a systematic review of case studies which more or less concluded with the same point I made above.

As I said, I really do not care about the U.S., system, but your and Easy's points about the Canadian system are out-and-out false. I have apparently misunderstood coverage denial, but that does nothing to detract from the main point: Canadian Universal coverage is comparable, and in some areas superior, to U.S., private-sector care.

We can trade data all day, but, generally, those are the results I have seen from countless studies.
Utilizing the paper because it was there and detailing your problems that you have defended to death. I don't care about other health systems, but your gross misrepresentation of canada's system becomes annoying. You have painted it as all green grass and rainbows, yet the system is becoming bankrupt and foreseen not to be sustainable in the future. I do not want the US to follow suit in a failed(ing) system. You are taking values and facts from completely unrelated areas and applying them to your debate. It is a complete strawman argument.

Adams
 
Mulletsoldier

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And please read "Available studies suggest that health outcomes may be superior in patients cared for in Canada versus the United States, but differences are not consistent." May. not are, May. given what it costs you in taxation + GDP % and growth, and given the differences in so much of the rest of the population base, theres nothing conclusively showing that universal health care is better for any group other than the non-producing non-useful segment of society, the people living on state provided kraft dinners.
No need for the condescendence Easy: I read it, but did you? The "may" refers to certain situations - i.e., the health outcomes in certain situations are superior in Canada, but this superiority is not consistent across the board. Or in even more other words: in certain situations Canadian healthcare is most certainly superior, but not in every situation. In terms of expenditures, the U.S., expenditure for its system is equal to the amount, or exceeds the amount, that Canada spends as a percentage of GPD, Easy.

The fact is Canada's system needs reform, as does the United States system. But with a considerable body of data showing that Canada's system is equal to - or in certain situations, superior to - the American system, stating the opposite is simply not true.

At any rate, I can understand why you both endorse a private-sector system, and, as Easy said, it stems from differences between the countries themselves. No point in continuing to argue what we both "feel" is right.
 
Mulletsoldier

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Utilizing the paper because it was there and detailing your problems that you have defended to death. I don't care about other health systems, but your gross misrepresentation of canada's system becomes annoying. You have painted it as all green grass and rainbows, yet the system is becoming bankrupt and foreseen not to be sustainable in the future. I do not want the US to follow suit in a failed(ing) system. You are taking values and facts from completely unrelated areas and applying them to your debate. It is a complete strawman argument.

Adams
Jesus man, you have to be kidding me. You stated that the Canadian system is inferior to the U.S., system, and then used a comparison of other Universal Healthcare Systems. So, I showed you several studies that refuted your points, showing that the Canadian system is superior to the United States system, or at least equal to it, using an actual comparison between the two nations. Nothing I have said is unrelated. If anything is annoying, it is your back in a tizzy because I called you on your bullshit.
 
Mulletsoldier

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but your gross misrepresentation of canada's system becomes annoying. You have painted it as all green grass and rainbows
Right, which is also why I stated it was in need of reform?

The fact is Canada's system needs reform, as does the United States system.
No systems is "green grass and rainbows", but I would rather have an honest discussion about something. You said something that I felt was not true, and I provided evidence for why I felt it was not true. The only difference between us is that you are getting your ego in a huff and blown-up over a simple disagreement.
 
EasyEJL

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No need for the condescendence Easy: I read it, but did you? The "may" refers to certain situations - i.e., the health outcomes in certain situations are superior in Canada, but this superiority is not consistent across the board. Or in even more other words: in certain situations Canadian healthcare is most certainly superior, but not in every situation.
What that means is that if it is only superior in some conditions it is inferior in others. So stating that is superior based on that is valueless as I can just as validly state US healthcare is superior from the same data. So its minimal value data.

I as well don't think that the US healthcare is without need of changes, but universal health care isn't either the best choice, or realistically affordable by us as a country. When the cost will come to over $10,000 per uninsured person per year, we need to take a far far far closer look at the math as the private industry will cover a family of 4 for less than that.
 
DAdams91982

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Jesus man, you have to be kidding me. You stated that the Canadian system is inferior to the U.S., system, and then used a comparison of other Universal Healthcare Systems. So, I showed you several studies that refuted your points, showing that the Canadian system is superior to the United States system, or at least equal to it, using an actual comparison between the two nations. Nothing I have said is unrelated. If anything is annoying, it is your back in a tizzy because I called you on your bullshit.
For being so high on your logical horse, you can't seem to read. If you read that article, you would have read your precious wait times that you grossly misrepresented. You called me on no bullshit, you step in every thread trying to talk down to people spewing nothing but pure bullshit all over every thread. "Socialism is amazing, you just dont understand" "Canada healthcare is better" "You dont have a right to believe in this or that because its not in line with my own beliefs"

You constantly preach from high on your rock, and most honestly find it condescending, and annoying. Now please, retort my post with words that only exceed 12 characters long to try and crucify me to my proverbial cross.
 
Mulletsoldier

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What that means is that if it is only superior in some conditions it is inferior in others. So stating that is superior based on that is valueless as I can just as validly state US healthcare is superior from the same data. So its minimal value data.
Easy, if you read the entire study, there are very few situations where the Canadian system was found to be inferior. The majority of the case-studies found that either: a) the Canadian system was superior; or b) that the systems were equal, or results were inconsistent. A very small percentage found that the Canadian system was inferior, and I think if we both read and speak about the study honestly, that is what we will find. As you said though, this is valueless as a claim the Canadian system is superior overall.

I as well don't think that the US healthcare is without need of changes, but universal health care isn't either the best choice, or realistically affordable by us as a country. When the cost will come to over $10,000 per uninsured person per year, we need to take a far far far closer look at the math as the private industry will cover a family of 4 for less than that.
I completely agree. Something that is feasible in the scope of 30 million may not be on the scope of 300 million. I was never arguing that Universal is superior to private-sector, Easy. We were comparing relative care for the citizens of each country, and you said something I felt was false. So, in the context of care for Canadian Citizens, I defended the system. In no way I am saying the U.S., should adopt this type of system, or that it is viable for every nation.
 
EasyEJL

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I completely agree. Something that is feasible in the scope of 30 million may not be on the scope of 300 million. I was never arguing that Universal is superior to private-sector, Easy. We were comparing relative care for the citizens of each country, and you said something I felt was false. So, in the context of care for Canadian Citizens, I defended the system. In no way I am saying the U.S., should adopt this type of system, or that it is viable for every nation.
Hmm, well i've known enough canadians who maintain US insurance and get care here even though they maintain multiple residences that i'm not so sure about your feelings on quality of care for canadian citizens, but you're right its not entirely relevant anyhow.

Whats interesting in some ways is that the socialistic system in canada can enjoy a useful life a good bit longer than in most other countries due to canadas "youth" as a country and significant amount of natural resources and space to expand. Socialistic policies work decently at any point where you can continue to pull more natural resources and continue population growth whether by births or by immigration. Its when you reach germany's point of declining population and relatively maximized out resources and space that the socialistic policies show the worst of their weaknesses. If the population isn't growing then you have negative GDP growth yet with longer lifespans you have higher cost of maintaining your non-working population both in terms of food + healthcare. Not a good combo.
 
Mulletsoldier

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Hmm, well i've known enough canadians who maintain US insurance and get care here even though they maintain multiple residences that i'm not so sure about your feelings on quality of care for canadian citizens, but you're right its not entirely relevant anyhow.

Whats interesting in some ways is that the socialistic system in canada can enjoy a useful life a good bit longer than in most other countries due to canadas "youth" as a country and significant amount of natural resources and space to expand. Socialistic policies work decently at any point where you can continue to pull more natural resources and continue population growth whether by births or by immigration. Its when you reach germany's point of declining population and relatively maximized out resources and space that the socialistic policies show the worst of their weaknesses. If the population isn't growing then you have negative GDP growth yet with longer lifespans you have higher cost of maintaining your non-working population both in terms of food + healthcare. Not a good combo.
Pretty much agree here, Easy. As I said, in Canada's case it is feasible, for a wide range of reasons, and that is all I was trying to establish. Not that it is better in all, or even most, circumstances.
 
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D, you used a newspaper as a reference, so maybe attacking methodology is not the best suited avenue for this discussion? As to John Stossel there, the WHO rankings consider 37 measures that take into account quality-of-care, and the rankings are generally quite systematic - obviously, Mr. Stossel has a bit of political slant himself. Anyway, the other study I quoted was a systematic review of case studies which more or less concluded with the same point I made above.
The WHO study is a piece of **** to anyone with half a brain who reads it. One of their 'systematic' measures is to automatically upgrade health care systems because they are single payer, and then use that to conclude that single payer is better. Called begging the question. I may as well hypothesize that blondes are more intelligent than brunettes and when testing them automatically give blondes a ten percent hike in their grades. Wow, wonder what my conclusions will be...

They also rate equality of health care higher or better than health care which is more variable, roughly meaning equally distributed shitty health care rates 'better' in their study's methods than unevenly distributed but universally higher quality care. They also rate life span without correcting for nonhealthcare related issues that affect life span, which is rather convenient if you're the nation with a higher death toll due to car accidents, military deaths, and other nonhealthcare related deaths. Infant mortality is another bullshit figure because we bring more problematic pregnancies to term in the US than in other countries. We have higher infant mortality because more high risk kids are born here that would die in the womb or get aborted in other countries.

So, relative opinions on the health care systems aside, the WHO report is a load of steaming bullshit that literally begs its own conclusions in various areas and deliberately uses slanted data. Using it for birdcage liner would do it too much respect. Quoting it as some kind of authority means you either haven't read it or are deliberately or through ignorance overlooking massive errors and biases that present.
 
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At any rate, I can understand why you both endorse a private-sector system, and, as Easy said, it stems from differences between the countries themselves. No point in continuing to argue what we both "feel" is right.
How do you with a straight face refer to the US as a 'private sector system'?

You are aware that just under half the health care costs raised and settled in the US anually are paid by the government through our own single payer systems Medicare and Medicaid, correct? You are aware that the majority of the rest of the system is a third party payment system, mostly subsidized by employers via the government mandated HMO Act, which itself was a reaction to the situation that arose after WWII when the government froze wages and forced employers to offer other 'benefits' to compete for employees, and then the government made those benefits tax deductable for companies but not individuals essentially forcing the whole country into employer subsidized third party payment or government care, correct? You are aware that it is the government at the state and federal levels which stops proper risk tiering and mandates coverage for uninsurable conditions, as well as de facto outlaws a la carte coverage, correct? Yoiu are aware that it is the AMA via government mandate which essentially controls the supply of doctors in the US, correct?

If so, please explain to me what kind of massively twisted and distorted view of the world one must have in order to view the US system as a 'private sector' system.
 
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You know, I could almost (really not quite, but much closer) be behind a universal catastrophic only coverage plan. It would be a lot cheaper at least than full sniffles/headaches/prescription coverage.

damn bush for medicare part D
 
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How do you with a straight face refer to the US as a 'private sector system'?

You are aware that just under half the health care costs raised and settled in the US anually are paid by the government through our own single payer systems Medicare and Medicaid, correct? You are aware that the majority of the rest of the system is a third party payment system, mostly subsidized by employers via the government mandated HMO Act, which itself was a reaction to the situation that arose after WWII when the government froze wages and forced employers to offer other 'benefits' to compete for employees, and then the government made those benefits tax deductable for companies but not individuals essentially forcing the whole country into employer subsidized third party payment or government care, correct? You are aware that it is the government at the state and federal levels which stops proper risk tiering and mandates coverage for uninsurable conditions, as well as de facto outlaws a la carte coverage, correct? Yoiu are aware that it is the AMA via government mandate which essentially controls the supply of doctors in the US, correct?

If so, please explain to me what kind of massively twisted and distorted view of the world one must have in order to view the US system as a 'private sector' system.
That was a nice little diatribe. Apparently the differences between you and I stem from you being unable to read. Allow me to bold two statements for you:

In terms of expenditures, the U.S., expenditure for its system is equal to the amount, or exceeds the amount, that Canada spends as a percentage of GPD, Easy.
At any rate, I can understand why you both endorse a private-sector system, and, as Easy said, it stems from differences between the countries themselves. No point in continuing to argue what we both "feel" is right.
Now, what do these statements mean? Two things: a) I am fully aware of the exorbitant involvement of the U.S., Government in Health Care provision, the substantially greater % of GDP the U.S., government spends on health care provision compared to Canada, and the per-capita tax cost; and b) I was making a statement about what both Easy and Adams would ideally like the system to be [private sector] - i.e., they were both criticizing the current [and predominantly] single payer system in favor of a completely privatized system. (This means they were "endorsing" it.) To that end, I understood and, to a certain degree, agreed with their motivation. Easy and Adams were pointing out the inadequacies in the current U.S., system, and promoting an all for-profit method; I saw their motivation.

You may want to fully consider statements before acting pompous.
 
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You know, I could almost (really not quite, but much closer) be behind a universal catastrophic only coverage plan. It would be a lot cheaper at least than full sniffles/headaches/prescription coverage.

damn bush for medicare part D
I don't think anyone is against a safety net except free market anarchists. The problem is designing that safety net to have as little impact on the market as possible. So the questions arise: how do you build the net but generally provide disincentives to use it; how do you do something which has been up until now impossible, that being control the cost of a government program? To the first question limited coverage with means testing and wagee garnishment are good starts. No tax guaranteed budget is another. That meaning, tally the bills for the year, then pay them. Don't tax everyone first. In so doing you essentially make a first purchase for them of the service and disincentivize marginal buyers to seek out private coverage. In much the same way people use the public school system with the justification of, "Why not, I'm already paying for it..." To avoid that payment has to come after use. As for controling costs, if payment comes after the fact I guess you could average returns on specific care categories and determine a return, below market to once more disincentivize use.
 
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another option would be to "criminalize" risky behaviors IF you are accepting the safety net. Ever read the book Holy Fire by bruce sterling?
 
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You may want to fully consider statements before acting pompous.
And on this point you're right, my bad, but from a guy who quotes the WHO report as an authoritative source, pot-kettle-black and right back at you.
 
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And on this point you're right, my bad, but from a guy who quotes the WHO report as an authoritative source, pot-kettle-black and right back at you.
No, you are right: the WHO report certainly has its inadequacies, and I posted it in haste, as a heat-of-the-moment response.

On the issue as a whole: I agree with your hypothetical plan above; I have no qualms with it whatsoever. My original criticism stemmed from the warped operation of the U.S's current system, and my defense of the Canadian system was based on the two as-of-now.

My only concerns with a la carte coverage would be transparency; however, "transparency" is usually government-mandated, and this may have unintended consequences on the market.
 
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another option would be to "criminalize" risky behaviors IF you are accepting the safety net. Ever read the book Holy Fire by bruce sterling?
No, what's it about?

Don't like the idea of criminalizing the behaviors. At root that means you accept the government's role in the area as legitimate, not one of necessary but minimal evil. That's one of the reasons why we're in our current state anyway. We ceded power over health care to the government. Now because 'we' bear the burden of health care 'we' have to have our options restricted and our lives intruded upon.
 
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its science fiction, but the relationship is that people are able to have life extending medical procedures but how many / how often is dictated partially by you NOT doing risky behaviors.

I'm not sure about criminalizing, but my problem with any universal coverage of any sort is that I dislike paying a premium for someone who (for instance) smokes cigarettes, eats wrong, etc.
 
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No, what's it about?

Don't like the idea of criminalizing the behaviors. At root that means you accept the government's role in the area as legitimate, not one of necessary but minimal evil. That's one of the reasons why we're in our current state anyway. We ceded power over health care to the government. Now because 'we' bear the burden of health care 'we' have to have our options restricted and our lives intruded upon.
It also poses the very real possibility for discriminatory coverage provision/denial. "Risky behavior" can be an entirely subjective and arbitrary determination, and has the possibility to preclude certain population groups. It could be entirely exclusionary, and rule out coverage for certain individuals deemed to be "risky" as a function of their daily lives. For example, and to link to the other thread, the higher proportion of homosexuals with AIDS could naturally lead to homosexuality being deemed as "risky behavior"; when, in reality, there are myriad factors which lead to higher exposure.
 
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It also poses the very real possibility for discriminatory coverage provision/denial. "Risky behavior" can be an entirely subjective and arbitrary determination, and has the possibility to preclude certain population groups. It could be entirely exclusionary, and rule out coverage for certain individuals deemed to be "risky" as a function of their daily lives. For example, and to link to the other thread, the higher proportion of homosexuals with AIDS could naturally lead to homosexuality being deemed as "risky behavior"; when, in reality, there are myriad factors which lead to higher exposure.
and yet whether its sticking a needle in your arm, or a genital somewhere, its a conscious choice you make. I don't see why people who choose not to do those things should pay extra to cover people who do - particularly pay for your own insurance as well as pay taxes for someone who for whatever reason has no coverage. If you a drug addict with no job and no societal value, the fact that you continue to choose to use drugs doesn't obligate productive citizens to pay for your housing, food and health care.
 
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and yet whether its sticking a needle in your arm, or a genital somewhere, its a conscious choice you make. I don't see why people who choose not to do those things should pay extra to cover people who do - particularly pay for your own insurance as well as pay taxes for someone who for whatever reason has no coverage. If you a drug addict with no job and no societal value, the fact that you continue to choose to use drugs doesn't obligate productive citizens to pay for your housing, food and health care.
And the drug addict scenario may be a justifiable one, but the premise itself simply lends itself toward exclusionary policies. Once you give an administration the option to begin "criminalizing" personal behavior, with the consequence of coverage-denial, you will certainly have moral imperatives guiding policy decisions. I see what you are saying, but the concept as a whole would be nothing more than an outlet for moral puritanism to explicitly suppress certain groups within society of their personal freedoms. As I said, higher probability does not equal causation, and labeling this or that behavior as more or less dangerous than any other is entirely arbitrary. It would most certainly not take into consideration all the cultural, societal, and economic factors that: a) predispose people to certain behaviors in the first place, or; b) make the outcomes of those behaviors more probable. I am ardently opposed, despite whatever my moral reservations may be, to any entity regulating personal choices that do not directly harm anybody but the end user. This stands for drugs, sex, and whatever other act some certain group is bound to find reprehensible, due to whatever justificatory authority.
 
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Encyclopedia Brittanica says insurance is

a system under which the insurer, for a consideration usually agreed upon in advance, promises to reimburse the insured or to render services to the insured in the event that certain accidental occurrences result in losses during a given period. It thus is a method of coping with risk. Its primary function is to substitute certainty for uncertainty as regards the economic cost of loss-producing events.


Insurance relies heavily on the “law of large numbers.” In large homogeneous populations it is possible to estimate the normal frequency of common events such as deaths and accidents. Losses can be predicted with reasonable accuracy, and this accuracy increases as the size of the group expands. From a theoretical standpoint, it is possible to eliminate all pure risk if an infinitely large group is selected.

From the standpoint of the insurer, an insurable risk must meet the following requirements:

1. The objects to be insured must be numerous enough and homogeneous enough to allow a reasonably close calculation of the probable frequency and severity of losses.

2. The insured objects must not be subject to simultaneous destruction. For example, if all the buildings insured by one insurer are in an area subject to flood, and a flood occurs, the loss to the insurance underwriter may be catastrophic.

3. The possible loss must be accidental in nature, and beyond the control of the insured. If the insured could cause the loss, the element of randomness and predictability would be destroyed.

4. There must be some way to determine whether a loss has occurred and how great that loss is. This is why insurance contracts specify very definitely what events must take place, what constitutes loss, and how it is to be measured.
#1 is why a single system for no $ for all people doesn't make financial sense. Its why there are different insurance rates in west virginia vs florida vs california. Different people fall into different risk categories, and pay a different premium for those. Whether based on age, race, blood test results etc. Its one of the built in disincentives to smoke or do other risky behaviors like staying obese - you'll save money on your insurance as well as save money on not spending on that habit. If you lose the financial disincentive, you are no more likely to quit smoking or binge eating, if anything less likely.

#3 is the big kicker there tho. For particularly smoking and inappropriate eating, as well as other activities, "beyond the control of the insured" is quite relevant. Does anyone doubt at this point that smoking causes health damage? Then insurance covering health issues stemming from smoking is ridiculous, particularly if its not insurance whereby the smoker is paying out of his own pocket a premium for coverage based on his risk group, as he is knowingly doing something that harms his health.
 
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It also poses the very real possibility for discriminatory coverage provision/denial. "Risky behavior" can be an entirely subjective and arbitrary determination, and has the possibility to preclude certain population groups. It could be entirely exclusionary, and rule out coverage for certain individuals deemed to be "risky" as a function of their daily lives. For example, and to link to the other thread, the higher proportion of homosexuals with AIDS could naturally lead to homosexuality being deemed as "risky behavior"; when, in reality, there are myriad factors which lead to higher exposure.
The problem with that is discriminatory practices are necessary for proper risk tiering. For something to qualify as strictly insurable you need to know the risk for a class but not necessarily for individuals, and it needs to be something largely out of your control. For example unemployment is not strictly speaking something you can get insured because the risk for being unemployed is not generally known and being employed is largely if not totally in your control.

On the other hand, specific reasons aside, if being homosexual as a class means you're at high risk for this or that, you should pay more for insurance. Likewise for someone like myself, my family history of heart disease means I should pay more than other people. Proper pricing means proper risk tiering, which means insurance companies must be allowed to employ any effective criteria for distinguishing risk levels between individuals. Now that means different prices for gays, people with bad family histories, people of different races, etc. If you find that distasteful fine, but understand by eliminating the ability to use effective criteria you're just forcing people who would normally pay less to pay more, and those who would otherwise need to pay more get to pass that cost on to others.
 
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The problem with that is discriminatory practices are necessary for proper risk tiering. For something to qualify as strictly insurable you need to know the risk for a class but not necessarily for individuals, and it needs to be something largely out of your control. For example unemployment is not strictly speaking something you can get insured because the risk for being unemployed is not generally known and being employed is largely if not totally in your control.

On the other hand, specific reasons aside, if being homosexual as a class means you're at high risk for this or that, you should pay more for insurance. Likewise for someone like myself, my family history of heart disease means I should pay more than other people. Proper pricing means proper risk tiering, which means insurance companies must be allowed to employ any effective criteria for distinguishing risk levels between individuals. Now that means different prices for gays, people with bad family histories, people of different races, etc. If you find that distasteful fine, but understand by eliminating the ability to use effective criteria you're just forcing people who would normally pay less to pay more, and those who would otherwise need to pay more get to pass that cost on to others.
Are we speaking about for-profit, or the "safety net" scenario mentioned earlier? My opposition to criminalizing personal behavior was in regard to the denial of the safety net. Insurability as a premise necessitates the meeting of certain criterion, and the end user remitting his freedoms to betray those criterion, lest he remit his coverage as well. And so, this is of course necessary in an a la carte system. I was against the criminalization of personal behavior.
 
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My thought of the "criminalization" part was more on the order of fines or something along those lines, perhaps even higher taxation on products like tobacco, alcohol, meals over 800 calories, anal lube, etc :) rather than so much actual jail time, with the point being recouping the additional cost that the groups who use those products cost the overall pool if we were to get stuck with effectively a single risk tier. Again, much less an issue with catastrophic only coverage as the odds of catastrophic events although still higher for some groups are relatively low odds to begin with.
 
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My thought of the "criminalization" part was more on the order of fines or something along those lines, perhaps even higher taxation on products like tobacco, alcohol, meals over 800 calories, anal lube, etc :) rather than so much actual jail time, with the point being recouping the additional cost that the groups who use those products cost the overall pool if we were to get stuck with effectively a single risk tier. Again, much less an issue with catastrophic only coverage as the odds of catastrophic events although still higher for some groups are relatively low odds to begin with.
Ah. I see. I think there was some misunderstanding here, as all my comments about criminalization were in respects to the "safety net". For a safety net to operate properly under an a la carte system, it must disincentivize people from its use, but not preclude them. In the market, the private insurer then reserves the right to deny and/or charge people based on how that respective insurer determines risk. My point was merely that allowing the government to determine "risky behavior" on the level of this safety net would be nothing more than an avenue for tyranny.

On the note of increasing taxes, I agree with it morally but disagree in principle. People should regulate their own behavior, and not be penalized for harming themselves. This type of parasitic behavior can then be normalized by the private insurers, by providing higher premiums for people who display this type of behavior.

As I say, if a la carte is your preference, so be it; however, the risk-tiering cannot and should not occur at the "safety net" level, and be restricted to the for-profit sector.
 
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Are we speaking about for-profit, or the "safety net" scenario mentioned earlier? My opposition to criminalizing personal behavior was in regard to the denial of the safety net. Insurability as a premise necessitates the meeting of certain criterion, and the end user remitting his freedoms to betray those criterion, lest he remit his coverage as well. And so, this is of course necessary in an a la carte system. I was against the criminalization of personal behavior.
As am I. However if those behaviors are not criminalized in the safety net, or at least otherwise dealt with, it serves no purpose because it is just allowing the negligent to pass their costs on to society. If you are going to ask society to provide for your health, then society gets to say under what terms they will do so. If you remit freedoms when entering into a voluntary contract in the private sector, you surely must remit along the same lines when using the government to force others to cover you via public contract. Otherwise you are saying a private organization has the right to deny my coverage or charge more per risky behavior that I may have, but the publically funded system can't do the same thing.

Where do you think all the risky people will go and 'demand' their 'right' to health care? That's another apsect of US context you may be missing, the welfare rights movement that happened in the sixties and seventies. You see, 'assistance' was usually there in some form or another, but frowned upon. Women on 'assistance' used to have to agree to things like having no make callers. Welfare offices used to make an effort to contact relatives and get them to contribute to a claimant rather than stick them on the public dole. Then the welfare rights movement began and encouraged people not to look on public assistance as shameful, but a right one should be glad to claim. They taught people how to overwelm welfare offices so as to avoid scrutiny and get their case through easily. They changed the very fabric of the US culture to where we now have a permanent underclass who not only received near permanent assistance from the government, but thinks it's their right to receive that assistance and that it's a good thing.

I don't know if you've had a similar movement in Canada, but this one swept the US a while back and changed a lot of perceptions vis a vi public assistance.
 
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I don't know if you've had a similar movement in Canada, but this one swept the US a while back and changed a lot of perceptions vis a vi public assistance.
not mine :)
 

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