Giganticus said:
My numbers are never bullshit. Administrative costs are triple of what they are in canada, and account for 31% of healthcare spending.
Right, you're quoting a figure from a pro-UHC lobbying group. There's absolutely no conflict of interest there.
Also the comment that these costs are due to "big gummint" regulations is ridiculous. Any country with a National Healthcare System has far more government regulations on standards as they are government facilities, compared to a US system that is far more deregulated. Even the EU countries that have non-government public insurance schemes have far lower costs, and yet usually have so much regulation that insurance companies and hospitals are practically non-profits.
I said that administration costs include costs of government regulations. I didn't say these costs were all because of government regulations anyway. This is pretty much a straw man. Regulations add costs, it's as simple as that, and the fact that we have regulations means we have added costs. If anything you're proving my point for me. We have administrative costs and public healthcare programs have administrative costs. That means we can write those costs off as a factor that would cause the healthcare cost disparity. As I said in my suggestions, we need to do what we can to streamline these requirements to reduce these costs. It really has nothing to do with who does the paperwork, and everything to do with how much paperwork there is. It doesn't magically cost a company more to hire clerks than it does for the government.
If you really think the Government's going to start doing PSAs during the superbowl halftime commercial break just like the pharmaceuticals do right now, then yes, it would be. If however you live in reality and realise the Government doesn't spend that kind of ridiculous money on advertising and in fact would never need to, then no, you're wrong
And once again you're confusing healthcare providers (IE, Hospitals, Doctors, Surgeons, Nurses) with the people that pay the bills. Last I checked there weren't even really all that many commercials by private health insurance firms, and certainly no more than what would be necessary to spread knowledge about a public healthcare option. This is a non-issue.
Because Medicare is legally restricted from negotiating drug prices. Not to mention legislation like the
Medicare Modernisation Act (a few pages in) have hamstrung the efforts to reduce costs. Of course, it looks like
this could change
However the VA is allowed to negotiate, and usually ends up with around
50% savings
More proof that a non-hamstrung public option reduces costs for all.
The VA may be able to negotiate costs, but it also suffers from lack of adequate care according to most veterans. Now, private insurance companies also base the prices they pay for medical fees around the prices that medicare/medicaid pay. Without creating a new plan whatsoever but by reforming medicare we'll already grant any advantage this gives to the private system.
You know what's even cheaper for an Insurance company? Doing absolutely fuck all with regards to preventative care and then refusing treatment when the condition becomes serious. The Government is forced to have the public interest at heart whereas an Insurer is just going for profit. Denial of care is an option for insurers, not the Government. You're right that the Insurers could have even more flexibility than the Government - though it would be much harder to run larger awareness programs and programs like "free condoms" are far more susceptible to Christian rightist pressure when run by a private institute - but they also have the flexibility to not give a shit. That's the main problem with the US system.
An insurance company can't legally refuse treatment for a condition if it was covered by the original healthcare agreement, and as much as we want to demonize them they typically don't behave like this. We already have a system in place to prevent this sort of thing as it stands, and with new regulation saying that people cannot be turned down due to pre-existing conditions this whole point of your argument is a farce. There are ethical codes these companies abide by, and where the ethical codes aren't sufficient there are typically regulations to prevent negative behaviors. The fact of the matter is that preventive medicine is in the interests of a healthcare insurer because it ensures future profits. Governments however are concerned with meeting budgets, and as we've often seen in the past they will cut funding in the present to meet budgets regardless of what impact it has in the future. Governments are fairly short-sighted in this way.
Racial disparities mean fuck all to cost, but they are a concern for all public healthcare systems. Focusing diabetes tests on certain ethnicities has shown great success, and so forth. Of course, a private insurance based system could be possibly motivated to simply drop care for "at risk" ethnicities, if it weren't for regulation.
Any type of care disparity that comes to light will help steer appropriate measures of medicine leading to gains in both preventive medicine or the effectiveness of treatment. But this is another case of a suggestion that has nothing to do with the insurance industry. This is part of the healthcare industry and cutting its costs, and could be done whether or not private insurers or public funds pay the bills.
Now, for malpractice. I work with Gynaecologists and Obstetricians. This section of healthcare has the highest liability insurance costs so I get to hear about how terrible malpractice suits are. Costs amount to around £30k a year. I'm serious. But what's odd is the NHS is rarely sued directly (although it sometimes is). The reason is that the institution itself is rarely at fault, whereas the doctor might be.
So why are institutions in the US sued so frequently? Could it be a sue-happy culture (i'd imagine that's a part of it). But I bet the real reason is quite simply administrative incompetence. Take all the anecdotal stories in the US from patients who get shuffled from department to department to receive treatments they don't need or have to wait on a bed while an insurer approves an MRI or an X-ray for a broken wrist or something. Take all the horrific emergency room experiences from people stuck at the back of the line while uninsured people are waiting for the only healthcare they can receive. Take all the stories of people who "downgrade" their treatment as the insurance wont cover the better options and so die after treatment, or the people who get dumped onto other hospitals as that hospital isn't covered by that insurance plan or whatever. Most of this bullshit goes away with a public system.
There are so many instances of it in this country because it was easy to make a lot of money doing it. Unfortunately it has huge reprocussions. As I already addressed, most of this shuffling and unnecessary treatment that you speak of comes from defensive medicine caused by the prevalence of malpractice cases. A federally mandated cap on the payouts of malpractice suits would reduce this sort of thing drastically. It already has in individual states that have adopted the legislation.
As far as the "downgrading" of treatment, I almost find it humorous that you point to this as unique to private health insurance when it's just as rampant in the public health insurance system. The public health systems across the world constantly pick and choose treatments they feel are unnecessary or overly costly.
But of course the AMA will push for malpractice regulation, after all it will reduce their personal premiums. The reality is, a public system would massively reduce malpractice costs on institutions while still clearing out bad doctors.
Also malpractice is a tiny cost to healthcare, fyi.
read up before talking
A public system wouldn't do anything to reduce malpractice costs if it did nothing to address the reason the cases happen in general. Again, the person who pays for the healthcare has little bearing on how the healthcare is run. In this country less than 1/3 of hospitals are publicly owned or run, which means changes in how they are run have little effect on the overall costs of the country. What is needed is regulation on the overall healthcare industry to prevent malpractice suits and other unnecessary costs. Just because the government is paying a doctor now instead of an insurance company doesn't magically make people less likely to sue the doctor.
Now, regarding the costs of defensive medicine, well, you say potayto, and
I say patata.
hockeypuck said:
You've brought up interesting ideas about solving the U.S. health care crisis. What's funny is that everything I've bolded would actually be more feasible with UHC, with exception to the last phrase I bolded.
-The larger federal government can institute a nation-wide litigation cap that standardizes interpretation of malpractice and would reduce the number of extraneous lawsuits.
Why exactly does this require UHC do to? I mean, can't congress just pass a single regulation without having to completely overhaul the entire healthcare payment system in the country? Doesn't make sense.
-A centralized computer system makes it MUCH easier to catch redundancy testing. No one is paying a third-party to catch redundant tests ordered between two health insurances. You also mention preventive care, which has been unequivocally more effectively implemented in UHC countries because the message is singularly clear and gets to EVERYONE.
That's great. Except in this country the government doesn't run every single private practice, non-profit or private hospital, or most forms of personal care services. Which means we need to be regulating the healthcare system and not the healthcare payment system. Which means that you can do this just as easily without changing who pays! It's a great idea, and I hope they do it. Maybe preventive medicine is better in other countries because the care portion of their system doesn't have insanely high costs compared to ours so that they can put more money toward such things.
-The disparities between racial backgrounds and medicine are better studied under a standardized database. This is why the VA system can put out study after study about outcomes amongst different ethnicities across all states.
And as soon as they institute a centralized database for tracking vital/health statistics everyone will be able to do this. You don't need to be the government to do this. You don't even need this centralized database to be MANAGED by the government.
-You said it yourself, the government (specifically the VA) has excellent standards of record-keeping. I know from first-hand experience. This allows errors to be caught and appropriate action taken. This is why there is the occasional scandal at VA hospitals; well-kept records allowed the discovery to occur in the first place and thus less cover-up is possible. And you still say that who pays the bill doesn't really matter?
I'm not sure what this has to do with who is paying the bills though. It's great that the VA has a good system for patient records. So does the Mayo Clinic Health System! And it's not even public, just a non-profit!
-The government would have even greater power to "strongarm the reduction of rates" if every American was under a UHC system and thus the only American customer available to these pharmaceuticals.
Currently government healthcare programs in the US don't have the ability to strongarm rate reductions (except the VA). When they do, I wouldn't be surprised if private insurers continued to base the fees they pay around the reduced rates medicare got from this negotiations just like they do now.
-Finally, the last bolded phrase: Because of a centralized, standardized record-keeping system, abuse behavior is EASIER to track, not more difficult. This is why Medicare expenditures are used to calculate how cost-effective all healthcare facilities are in the U.S. Now, if we could only apply this to all insured Americans, and not just those with Medicare, then we would catch even more inefficient behavior. But you can't do that amongst private insurers across different states.
And this centralized standardized record keeping system has nothing to do with how the bills are paid, once again, and everything to do with the efficiency of the care portion of the industry.
And you still say that who pays the bill doesn't really matter? So many of your solutions are actually being done in other countries BECAUSE of UHC, not in spite of it.
Yes, obviously.
Edit:
You don't see the irony in that statement?
With all due respect, what is a shame here is that your mother, a professional health-care provider, was relegated to sorting out billing paperwork, something not directly related to improving patient outcome.
The point I was making was the the additional paperwork she had to do was BECAUSE of medicare, and not private insurance. If anything can be pointed to as being the cause of this it is a public healthcare program :lol
Regardless, she was in management and dealt with patients charts and documentation and making sure it was up to standard, which according to you is so important, not that I disagree.
Now, allow me to expand on the underlying problem here. I think most of you who are advocating for a UHC plan are under the impression that the government would assume ownership of all hospitals or private practices in the country and could magically turn them into these incredibly efficient machines of care. In reality there has been no healthcare proposal that even touched on this idea in general (and for good reason, it's a horrible idea). The only thing that healthcare reform initiatives that have been brought up in this debate have done is say that things would get better if someone else paid the bills but they've done nothing to address the underlying issue. The thing is this underlying problem could be completely fixed without changing the payment system by simply regulating the underlying problem away. The reason conservatives get so ticked off about this is because people say "If healthcare costs too much we'll tax people and give the money to the poor so they can afford it!" Conservatives look around and see that the healthcare costs are so high because the care portion of the system is inefficient, and they say "Why are you raising taxes and taking more of my money when you should be making healthcare cost less, not making me pay more!"