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What's so great about private health insurance? (Do insurer's pay a role in the healthcare crisis?)
Los Angeles Times ^ | 8/3/2009 | Michael Hiltzik

Posted on 08/03/2009 1:58:55 PM PDT by SeekAndFind

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To: RoadTest

If government is so efficient at dispensing health care why do they have to raise $1.6 trillion in new taxes to pay for it. Have the liberals been lying to us all this time? Seems to me they are always saying Canada only spends 10% of GDP on health care while we spend 17%. Then they should be refunding taxpayers $1 trillion to implement, not asking for it.


21 posted on 08/03/2009 2:36:42 PM PDT by blue state conservative
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To: a fool in paradise
The greatest moral crisis of our age is that government, using our own money, has crafted a seduction of Christian moral values in how it has changed the social contract implied in the Constitution.

Previously, we had a government of limited and enumerated powers, with the rights retained by the people.

The New Deal is simple: you get to live at the expense of others if you will allow others to live at your expense. We are encouraged to allow this because we are lead to believe that we each get the better half of the bargain.

This of course is made possible by the violation of three of the Ten Commandments: lies, coveting and theft (under the color of law, but still theft).

22 posted on 08/03/2009 2:39:25 PM PDT by theBuckwheat
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To: Alberta's Child

The real problem with health care in this country is the cost of malpractice lawsuits, more than anything else. Thousands of lawyers have become wealthy looking for deep pockets to reach into, and hospitals and doctors are prime targets. There is so much variability in biology that anything that goes wrong can be said to result from negligence. Somebody has to pay the costs of the lawsuits, and that somebody is us. No wonder it is so expensive that many cannot afford it any more.


23 posted on 08/03/2009 2:44:20 PM PDT by webheart
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To: theBuckwheat
The left loves to scold everyone about the issue of “sustainability”. Yet, the policy changes they seem to want most cannot be economically sustainable. That is the case with public health care.

Socialism cannot function in a sustainable mode, ever. That is because it distorts the price and costs over everything. Central planners cannot know the true consequences of their actions and are constantly surprised at the changes in demand for a service when they fix the price. Even the current law under proposal seeks to control costs by reducing the amount that government reimburses both hospitals and doctors.

The statists’ response to seeing an increasing number of doctors who refuse to accept new Medicare patients? To make even more draconian the legal penalties for doing so.

Socialized health care is a path to economic and social hell paved with not-so-good intentions.

24 posted on 08/03/2009 2:45:09 PM PDT by theBuckwheat
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To: Alberta's Child

Didn’t we just trillion dollar bailout of a bunch of New York regulated, top flite, companies that they pay the ratings agencies to, ahem, rate them?

Yeah.

I don’t see why an adult in one state can not buy a product or service, or have delivery from another state.

It seems to me that insurance companies can not build up the bulk to afford sophisticated software, nor manage on a large scale. Further, what does it matter when if as in the case of AIG if the re-insurer goes out of business. Who regulates them.

Making a commercial enterprise replicate its self in every state is no different than requiring( which used to be the case) that each auto company build cars in each state to each state standard.

I don’t even see why I shouldn’t get insurance from outside the US.

All I see is local politicians protecting their hack retireg politician friends and local mercantilism enterprises.

If some wants to be insured by Maine State Podunk Hack Insurance, fine. I would prefer to be insured by Honda of Tokyo or something like that.


25 posted on 08/03/2009 2:47:27 PM PDT by Leisler
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To: a fool in paradise
I am sooooooooo sick and tired of the MSM and liberal talking point that Medicare only has 3% overhead, blah, blah, blah.

I have worked, on the physician side, as a coder/auditor of medical bills for over 15 years. I consider myself a professional. I can say, without hesitation, that the reason that Medicare has such a low overhead is because they leave the real work to every one else!

Every billing department that I have either worked with, or dealt with has 3 to 5 times the amount of workers dealing with Medicare and Medicaid regulations as it does for the rest of the insurances combined.

Medicare also contracts the administration and payment of the program to PRIVATE INSURANCE COMPANIES! For example NY Medicare is administered by Blue Cross/Blue Shield. Wisconsin, which I am most familiar with, uses WPS. So I am unsure if those companies administration costs are calculated into the 3% or not.

Medicare and Medicaid have so many regulations that must be followed that it takes the provider multiple workers just to work through them.

So in the end, if we went to a government run health insurance, I will bet my life that although the governments overhead would be less, the Dr's overhead would skyrocket.

I happen to think that things should be changed in the health insurance world. I just don't think anything, anyone has put forward so far is the answer. I don't have the answer either, but I do think more people going to truly catastrophic insurance may be closest to what is needed. After all if auto insurance had to pay for every oil change, no one would be able to afford it.

26 posted on 08/03/2009 2:57:43 PM PDT by codercpc
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To: Bryanw92
which is exactly how other kinds of insurance works.

I want a comprehensive coverage policy for my car...it should pay for fixing door dings, any engine diagnostic tests I want performed, all maintenance (no matter how much I abuse the car), upholstry repairs, routine car washes, oil changes (heck, ALL fluid changes), paint fading, tire wear, towing...

That would be as affordable as my healthcare policy.

27 posted on 08/03/2009 3:11:40 PM PDT by Onelifetogive (See www.buyingapuppy.com for News on Dogs and Puppies)
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To: GovernmentShrinker
On average there are 36 federally mandated coverages that all insured party must pay for. Ridiculous. My husband shouldn't have to pay for maternity care.

This "reform" isn't about making health insurance more affordable, its about giving the government more power.

What is most ironic about the whole thing - the Dems who scream and throw temper tantrums about privacy are ready and willing to serve up extremely sensitive health information to themselves on a silver platter. Can you say hypocrisy? Unreal.
28 posted on 08/03/2009 3:22:38 PM PDT by ljco (I think the best possible social program is a job. - The Gipper)
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To: a fool in paradise

The private insurance pays healthcare providers more money than Medicare or Medicaid—they are what keeps doctors in business. If obamacare is, indeed, the same as Medicare/Medicaid, as claimed on Rush today, then healthcare providers will never be compensated sufficiently to stay in business.


29 posted on 08/03/2009 3:30:43 PM PDT by DallasDeb (USAFA '06 Mom)
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To: ljco

And then there are all the state mandates on top of the federal. In New York, “catastrophic only” policies are illegal — so if I want to pay out of pocket for routine and relatively minor things, I can’t just buy a a policy to cover huge, totally unexpected things — I either have to have no insurance at all, or pay the inflated policy rates for coverage including routine/minor things. Several states are now mandating infertility coverage, even up through ages where infertility is basically normal and foreseeable.


30 posted on 08/03/2009 3:41:52 PM PDT by GovernmentShrinker (Vote for a short Freepathon! Donate now if you possibly can!)
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To: codercpc
I do think more people going to truly catastrophic insurance may be closest to what is needed

Yep, that would return a significant chunk of the healthcare market to normal competitive forces, where the consumer is price-sensitive because the consumer is actually the one paying. This is why catastrophic-only policies are outlawed in some states -- the last thing the government wants is free-market healthcare re-emerging.

31 posted on 08/03/2009 3:44:44 PM PDT by GovernmentShrinker (Vote for a short Freepathon! Donate now if you possibly can!)
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To: long hard slogger; FormerACLUmember; Harrius Magnus; hocndoc; parousia; Hydroshock; skippermd; ...


Socialized Medicine aka Universal Health Care PING LIST

FReepmail me if you want to be added to or removed from this ping list.

**This is a high volume ping list! (sign of the times)**


32 posted on 08/03/2009 4:04:07 PM PDT by socialismisinsidious ( The socialist income tax system turns US citizens into beggars or quitters!)
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To: webheart
That's definitely a problem, but I don't see that as the biggest problem facing the medical care industry.

There is simply no way to control costs when the party receiving a product or service isn't the same party that pays for the product or service. This is simply the reality we face.

33 posted on 08/03/2009 4:10:42 PM PDT by Alberta's Child (God is great, beer is good . . . and people are crazy.)
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To: Leisler
You're actually making my point. Those insurance companies that collapsed over the last 9-12 months were involved in areas that had little or no oversight and were not subject even to Federal regulations, let alone regulations on the state level.

If some wants to be insured by Maine State Podunk Hack Insurance, fine. I would prefer to be insured by Honda of Tokyo or something like that.

What happens if Honda of Tokyo fails to pay a claim for you? Are you going to have legal recourse through the United Nations, or through the Federal government?

The biggest problem you'll find in the insurance industry is that the "least expensive" insurance plans will also be the least stable in terms of the financial stability of the companies involved. You can go to almost any state in the South and find plenty of horror stories from people who paid premiums on insurance policies for years, only to have the insurance carrier collapse in insolvency when they needed to file a claim.

34 posted on 08/03/2009 4:16:29 PM PDT by Alberta's Child (God is great, beer is good . . . and people are crazy.)
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To: a fool in paradise

Commie crap from the LA Slimes. Does anyone read that birdcage liner?


35 posted on 08/03/2009 4:27:58 PM PDT by darkangel82 (I don't have a superiority complex, I'm just better than you.)
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To: a fool in paradise
"Throughout the heroic struggle in Congress to provide a "public option" in health insurance [...]"

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The heroic struggle of the Filipino people, under the leadership of the Communist Party of Philippines, with the countless sacrifices has highlighted the path for national ...

1 · 2 · 3 · 4 · 5 · 6 · 7 · 8 · 9 · 10 · next »

36 posted on 08/03/2009 4:41:57 PM PDT by Diamond
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To: Alberta's Child
The basic laws of economics are predicated on pricing and its relationship to changes in supply and demand. When the entity that pays the bills isn't the one that gets the service, then the whole system will eventually fall apart.

Bears-repeating bump. At regular intervals.

It also needs to be repeated early, often, and especially loudly when liberals try to get people to glide past it, that Slick and Beast were the people who let the insurance companies into the practice of medicine.

It was they who tore down the "Chinese wall" separating payors from doctors. They did it on purpose, to bureaucratize and screw things up, to prepare the ground with bitter experiences for a second push for nationalization and Sovietization.

37 posted on 08/03/2009 4:51:40 PM PDT by lentulusgracchus
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To: Sherman Logan
We already have massive bureaucracies involved in making health care decisions, they’re just private rather than public bureaucracies, and not necessarily better for being so.

Just remember -- it was Bill and Hillary who brought them in. See my last.

38 posted on 08/03/2009 4:53:11 PM PDT by lentulusgracchus
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To: TChris
Need any other reason?

Well, let's talk about those with PRIVATE INSURANCE -- those who take them from their employers. People employed by big companies that offer a health plan are within a layoff notice of losing coverage for themselves or their families, joining America's millions of uninsured.

Their only alternative right now is the individual market, where insurers scrutinize applicants' medical histories, looking for reasons to turn them down or charge them exorbitant premiums. If you happen to have a chronic illness, You're virtually uninsurable at an affordable cost.

Even if you're accepted, your carrier reserves the right to cancel your policy retroactively if it finds that you left even a tiny condition from years back off your application.

So, for these people with these kinds of conditions, what is your only option ? It seems like the public option may be your lifeline.

Unless of course, you would like to tell him --- TOUGH LUCK ! IT's YOUR PROBLEM, DEAL WITH IT.
39 posted on 08/03/2009 5:01:47 PM PDT by SeekAndFind
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To: Diamond; a fool in paradise
I did a Dogpile fetch on "Hiltzik + Communist" and got an eyeful.

He appears to be one of those, um, journopolemicists who has a lot to say about e.g. "McCarthyism", but as someone pointed out in a blog, gets all mushmouthed and reticent about the atrocities of the Left.

He writes quite often about Communist parties and regimes, East and West.

40 posted on 08/03/2009 5:03:09 PM PDT by lentulusgracchus
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