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Originally Posted by chrispedersen
First, a few things of which you are probably unaware. The federal government is *causing* a great deal of our present problem. And before you dismiss this statement out of hand, let me show you why its so. When you think healthcare, you probably think ever increasing costs - prices that are increasing at 10+% every year.
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I have to comment here, in the middle of the thought. It just seems that you are unaware that the problem is the bureaucracy itself. It's not *just* healthcare that it is bungling up. It is screwing up just about everything that it has a thumb in, and why? It's not simply because
NO government can handle large projects responsibly, it's because
OUR government can't handle projects responsibly. If people would quit towing a party line, and quit making illogical attacks against the "sworn political enemy", maybe we could work out a governmental paradigm that is actually effectual.
Quote:
Originally Posted by chrispedersen
Currently, the federal government is reimbursing at about 66% of the actual cost of providing for the service.
So, now consider if you are a hospital - your level of service is mandated. You can't deny an indigent patient medical services, yet if the service cost you $1000 and the federal govt only gives you %650 what are you going to do?
Unlike the federal government which can operate in a deficit seemingly forever, hospitals pretty much have to balance their books every year. So that $350 cost gets spread around to the people that can pay it - both insured and cash basis patients...
...This is one of the many examples of federal programs having unanticipated consequences. There is another problem with the federal approach.
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This has nothing to do with the viability of a national health care system, and everything to do with our dysfunctional government. Perhaps you would like to explain to me how so many other industrialized nations pull off the illusion of accomplishing the impossible feat of comprehensive national health care?
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Originally Posted by chrispedersen
The second larger problem with the idea of health insurance - is that it no longer *IS* health insurance. I am all in favor of health insurance - but its no longer even possible to buy that in the US today.
The idea of health insurance as it was practised long ago was that *I* was responsible for the first X thousand dollars of my medical coverage. After that amount X was reached the insurer stepped in with something between 80%-100% of the coverage costs.
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Ummmm, the way that insurance in general is supposed to work, is much more simple than that, and is the essence of how "socialized" programs like national health care could and should work. The basic idea is to statistically determine the odds of severe illness, and project the costs of dealing with that illness. In abstract terms, this means that if we say that 1 in 10 people will eventually suffer from a malady that costs $1000 dollars to treat, but
we have no idea which 10% of the people, then we simply need everyone to to pay in $100 to cover the expenses of those who are afflicted.
One of the reasons that this system is starting to break down as it is (not to bring up greed from every party involved), is the skyrocketing instances of cancer, heart disease, and all manner of other extremely expensive ailments in America. Odd, when you consider how many of these diseases in fact could be avoided or reduced in severity if proper measures were put in place (like making sure everyone has adequate access to early screening to detect cancer when it can be dealt with at a fraction of the cost, and a fraction of the risk).
Quote:
Originally Posted by chrispedersen
It is ironic - but the nucleus of McCains healthcare plan actually has the seeds of how to get out of some of this mess.
First, give every american $5000 dollars a year toward healthcare costs. Bankable or savable. But 5000 a year will pay for all the usual innoculations, and broken bones, and dental xrays. And then make things above that *your* responsbility.
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I'm glad that -someone- thinks that McCain's plan is not only an actual plan, but a good one at that.
The problem with McCain's solution, is first, it's a
tax credit, NOT a check for $5000 (where in hell would THAT money come from? 300mil+ people, that's 1.5 trillion dollars a year if it were true). There's an enormous, gaping hole in this idea though - the vast majority of the uninsured in America don't even make enough (and therefore generate anywhere near enough if Federal Income Taxes) to fully benefit from this.
But really, the boner here, is that if he really somehow managed to find $1.5 trillion (every year!) to throw at the health care problem, he could make it go away MUCH more easily than by forcing the individual to deal with things.
Oh, and a little anecdote, because I know everyone loves my anecdotes. After suffering severe migraines and other terrible side effects from all of the pharmaceutical antihistamines I tried (too bad I can't have ephedra, it worked wonders, but some people "abuse" it, so much for liberty), I was given a prescription for Allegra. Well, Allegra worked quite well for me, and while I was eligible for the Oregon Health Plan, I was paying $15/month for that medicine, and they picked up the rest. But once I was off the health plan, the cost went to $90/month. $3 a tablet, just for an antihistime. Over $1000/year that I can't pay right now, that McCain's plan
will not even touch because I earn so little in my current state of health, that I don't even pay taxes at all, and thus would not receive any "credit".
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