Health insurance makes you pay for abusers - so why complain about single payer

Insurance premiums go up when the company has to pay out - so, when people abuse the system (ie: sex fiends who choose pills over condoms), then YOU pay.

The 'why should I pay for others' argument of the right, is just totally backwards.

Another person uses, YOU pay, via higher premium.

Why tolerate that?

 

Yeah, I think a lot of people tend not to think this stuff through. I'm also surprised at how many people believe others should just die in the gutter because they don't agree with the choices those people have made. I guess I shouldn't be surprised, humans are pretty terrible.

 

Just the American psychopathological regime and other infected or backward regimes and their cohorts.

Are the pills even expensive?

 

Because the problem will only be massively worse under government (mis-)management?

Eliminate all insurance and find a way to stop hospitals from gouging people in the first place.

 

K so where is this mystical land where humanity is awesome and everyone (*)(*)(*)(*)s rainbows because I'd like to go there.

 

I believe that we should take care of the mentally ill, including the multitude of politicians and their corporate employers.

I don't usually define anyone as "awesome."

 

Apparently around $13,000 per year.

Not to mention all the other non-essential expenses people claim for.

Why do the Cons put up with this system, what are they scared of?

 

I wouldnt mind this but everyone needs healthcare whether they can afford it or now. Thats why I think a public system that provides all with private companies being allowed to pfovide healthcare as well (though not paid for with public money at all) is the best solution. The problems are that government isnt the most effective (thus the need for private providers) but opening the public purse strings to private entities is asking to get ripped off (thus why the government cannot just pay private providers for those who cannot afford care and should instead provide that care itself).

 

Single payer works fine in other countries, so can't see what the big deal is.

Who'll be the first to roll out the Cuba drum........

 

The problem is that corporations basically own our government. Having the government directly pay private providers would result in an insane amount of tax dollars go8ng right to administrative pockets. Look at how much our health care costs at the moment, and thats just with other companies paying money into insurance. Now imagine how high the costs will go when the limitless government purse is opened.

Before you say "government needs to put caps on spending" I'd point out that the government stopped medicare from negotiating for cheaper meducation prices (corporate influence) and the medical industry basically wrote the ACA, which requires all Americans to pay them money and was not read by our politicians.

 

Yep.. But really, insurance is supposed to be there to protect against catastrophic events with a low likelihood of occurring. The health care model of simply subsidising everyone's basic medical expenses at the expense of every payer in the system is, as I've posted elsewhere, like having your auto insurance covering oil changes and other regular maintenance to your vehicle. It's not insurance anymore when it gets to that point, and I think it would make the most sense to address the source of the problem - the high costs - than simply to force an already financially overburdened population to pay another big bundle of cash, especially when there are so many who are content to earn very little and simply rely on those subsidies being taken from those who work and earn more.

I don't think this is going to be sustainable.

 

That's the same people who THINK that low prices at Walmart don't eventually cost them in higher taxes (most of the workers there are on public assistance, due to low wages).

 

How do you lower costs? A simple doctors visit, even with insurance, is over $100. Hell getting diagnosed with and medication for strep throat cost me $200 out of pocket with insurance picking up another $120 or so. Hospitals charge $5 for a piece of guase that costs $5 for a box of 100 at a retail store. Healthcare is not somthing companies will do cheaply because they dont have to. What are you going to do, not go to the hospital and die?

If you have a way to do it privately Im down to hear it, but as far as Im concerned healthcare is needed by all and falls under infrastructure thus should be provided by the government. Thats not to say it couldnt do a single payer system or find a way to split costs based on income, but the major issue is the insane healthcare costs. Also as hospitals continue to consolidate we re going to end up with an even worse situation as every town will have its own mini monopoly much like with internet today.

 

One major difference is that the insurance company is a private organization to whom you are giving your money willingly and can stop giving your money to at any time.

The government is, well, the government. When the government controls the medicine, you are obligated to give them your money regardless of how inefficient they are, how bad the care is, how long you have to wait, etc.

If you want an idea of how horrible Single Payer would be, just imagine all 317,000,000 people in this country having VA healthcare.

 

Healthcare is not somthing companies will do cheaply because they dont have to. - Therein lies the key, I think. What is it that permits them to charge up the wazoo right now?

 

Health Insurance. Health Insurance pays a vast majority someone's bill, and around 85% of Americans have it. That allows them to charge insane prices, knowing that only about 15% of people will feel the pain. I maintain that if health insurance did not cover as much of someone's bill, prices would fall.

 

They provide a service that you need. Pay or die.

 

Wish I had your insurance. They pay about 20% to 30% of my bills, about $50 over their monthly cost, and nothing towards ER visits wgich are insanely expensive. The onky reason I keep it is incase I get hit by a truck, otherwise I would not pay. I literally pay more in insurance costs than yearly health costs, even assuming they didnt pay a dime to my health costs.

 

Allow me to correct. A majority do (It's an assumption, but there really aren't any actual statistics on that that I know about).

 

Market competition is supposed to keep prices down, though, and I'm thinking that it would if "insurance" weren't in the way, creating a third-party payer that removes the customer from the actual costs involved, which in turn allows those doctors and clinics to overcharge. All the third-party payer has to do is charge higher premiums to the suckers seeking service, and that amount doesn't have to go up quite as much as those medical prices do, since many more people are paying in than are making use of the service at any given time.

Fact is, people need more services than just health care, yet most of those remain affordable. There has to be more to it than just the "pay or die" notion.

 

How exactly do you think insurance works?

 

Can you opt-out of a single payer system if the taxes get too high because of abuse?

 

Interesting post. Not a word of truth in it.

The "abusers" are the insurance companies who take your money. raise your premiums anyway, and then try to weasel out when it comes time for them to pay.

You might want to read the re-posts I'm doing on the whole Romneycare/Obamacare/health insurance reform issue. Among other things, they detail (WITH REFERENCES) the efforts and lies of the medical INDUSTRY and the insurance companies.

By the way, your little quote about "sex fiends who choose pills over condoms," as well as making absolutely no sense, is nothing more than a rehash of the words of the vulgar hero of the OP - Flush Limpbog - the human saddle sore.

Why should YOU tolerate paying for others? Because they pay for you. You might consider that.

 

Health Insurance drug coverage is a joke.
Most Rx medicines are dispensed as "generic".
And their true cost, even with a pharmacist's profit, it way less that the co-pay.
I know because my Pharmacy gives me professional courtesy and charges me the lower amount.

The sad thing about medicine today is it is rotten.
All cook book recipes/protocols void of thinking.
My 90 year old neighbor had a stroke. Whet to Hoag Hospital, Newport Beach, California which use to be considered "good", and was sent home being told he "fainted".
He subsequently had 3 more strokes over the next few days.
My M.D. buddy and I shake our heads wondering how "civilians" survive.

If I ever have to go for care, I would tell the doc,
"Stand Back".
"Remember, I am a person. Not an object for your liability avoiding protocols."

Today's health care system is about everything except your personal health care.
You are a nameless number on a list that is later misplaced.
Solution: Bring back cottage industry medical care. Close the networks and medical factories.
Cream skimmers do not like that solution.


Moi

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To make profits !
Your care is secondary.


Moi

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