Why U.S. health insurance sucks...

Discussion in 'Too Hot for Swamp Gas' started by bakaduin, Jun 21, 2013.

  1. JerseyGator01
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    JerseyGator01 Well-Known Member

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    Actually, for my type of cancer, Medicare has actively encouraged less care. Medicare is highly overrated and now run mostly by private agencies.
  2. Row6
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    Row6 New Member

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    While you are correct to point out that Medicare is on an unsustainable path, the reason is an aging population and general increases in medical costs. In it's favor is the ability to dictate prices and minimal administrative costs. Fraud oversight is an area where more administrative costs would be worthwhile.
  3. Minister_of_Information
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    Minister_of_Information I'm your huckleberry Premium Member

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    Medicare is an awful form of openended single payer without genuine cost controls.

    Awful.
  4. el_lagarto
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    el_lagarto Premium Member

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    HHS has been spending monies on data mining to weed out fraudulent billing practices....with decent success. these are large scale multi million operations that bilk the program and are only found POST PAYMENT. you bill medicare, medicare pays. thats where they save on admin costs.

    medicare advantage programs and private health insurance have this built into their admin costs. you are not going to find the russian mob bilking humana or aetna on a large scale, B/C THESE COMPANIES HAVE PRE PAYMENT CHECKS BUILT IN...like authorizations, and letters of medical necessity. and defacto denials of coverage until you send and resend and resend a bill and make 10 phone calls, etc etc etc.

    aging population and rising medical costs are not going to disappear. medicares ability to dictate costs is limited by providers willingness to accept those fees as evidenced by the numbers of providers leaving the program.

    the liberal mantra of 'medicare for all' is based on fantasy land.

    a 2 tiered system is inevitable.(moreso than already exists). if you have the means and are willing to eschew the 3rd flat screen, the 2nd vacation or the 3rd new car in 4 years, and make COVERING THE COSTS OF YOUR health a priority, you will be happy and satisfied.

    if not...stand in line and beg for coverage b/c rationing is coming fast.
  5. candymanfromgc
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    candymanfromgc Well-Known Member

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    My sympathy for your wife. Yes the system has problems. My wife is in health care and while some in her field think Obama care will help many more think it will create far more problems than it helps all the while being way more expensive than what we have.

    They should have designed something by a panel of people such as my wife who deal with the health care problems all day long instead of ivory tower idiots.
  6. G8trGr8t
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    G8trGr8t Premium Member

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    Good stuff. Doubt that it will resonate with those with closed minds though. Medicare policy of pay everything and ask questions later is an open invitation to fraud
  7. Row6
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    Row6 New Member

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    Medicare sets prices for procedures which are lower than private on a take or leave it basis. Because taking it leads to a huge volume of patients it works, and is a very effective means of cost controls, and one that most of the rest of the world also uses to keep their costs at 60% of ours. Other measures are necessary - including moving away from fee for procedure based medicine and more administrative money spent to curb fraud - going forward to keep this primary driver of future deficits under control, but given the success of everyone else in the world doing this for less money while providing universal coverage, we can do this.
  8. Row6
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    Row6 New Member

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    Intelligent rationing is hopefully in our future, as opposed to the arbitrary and scattershot version we have now - no coverage for younger patients with certain serious diseases while we spend huge amounts on end of life corpse avoidance - and we should be able to achieve this given EVERY BODY ELSE IN THE WORLD provides universal care at about 60% of what we spend.
  9. QGator2414
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    QGator2414 VIP Member

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    Health Insurance has become more and more fascist with government not getting out of the way but aiding the problem much like SS is socialist/communist...

    Both are bad...
  10. Row6
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    Row6 New Member

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    You need to read some history books.
  11. QGator2414
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    QGator2414 VIP Member

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    Okay boss...
  12. sappanama
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    sappanama VIP Member

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    Where do you get this idea? After 20 years I can honestly say I haven't seen this, from mcare or private insurance and forget about mcaid.

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