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How will mandated private health insurance be better than what we have now?

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mmonk Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 03:34 PM
Original message
How will mandated private health insurance be better than what we have now?
Aren't we mandating what makes our system the most costly and inefficient in the world?
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dkf Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 03:39 PM
Response to Original message
1. They should just open up medicare to everyone.
Problem solved.
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midnight Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 03:46 PM
Response to Reply #1
7. Yes. Let's just do it.
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cpamomfromtexas Donating Member (453 posts) Send PM | Profile | Ignore Sat Mar-07-09 05:04 PM
Response to Reply #1
18. Just doing my parents taxes, Medicare charges them $4800 a year
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dkf Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 05:47 PM
Response to Reply #18
20. $200 per person a months seems reasonable
for elderly people who would need more medical care than most.

If they had younger people that would fall even more.
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readmoreoften Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 05:52 PM
Response to Reply #20
23. So that's $1000 a month for a couple with three kids.
Okay then. Glad you can afford such things.
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dkf Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 05:55 PM
Response to Reply #23
25. Medicare is the most efficient insurance we have.
Maybe medical expenses really are that high? If so, how can we avoid paying for it?
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HelenWheels Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 06:10 PM
Response to Reply #18
26. What?
I pay $97/month for Medicare,or $1200/year. I'm single. How do they have to pay such a huge amount? I don't know anyone who pays that for Medicare. Does that include the donut hole for medications? If so, then I can see how they come up with that figure.
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TBF Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Mar-08-09 09:54 AM
Response to Reply #18
33. That would be a gift - we pay nearly $1000 per month for Cigna and that's
just premiums (before deductibles and co-pays). There's no reason why it shouldn't be a sliding income based-thing though. It could be a percentage of everyone's income or something, maybe with everyone making under 50K getting it free. I'm just throwing out numbers, nothing special, but I think it's important that we could make it a sliding scale.

There would be many advantages to simply expanding and further modernizing (standardizing) a system that's already in place.
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cyclezealot Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 03:41 PM
Response to Original message
2. controlling /regulating insurance companies
and reducing their profit.A pipe dream... The only way to shut them up is bribe them.
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Donnachaidh Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 03:42 PM
Response to Original message
3. If the PROFIT isn't taken out it will just be like auto insurance
If co caught without it, you'll be fined. Doesn't matter if you can NOT afford it. And there WILL be people who cannot afford it. They are basically being snubbed by the people who promised them relief.
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readmoreoften Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 05:52 PM
Response to Reply #3
24. you hit it on the head.
best post so far.
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ayeshahaqqiqa Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 03:42 PM
Response to Original message
4. This, indeed, is what I fear
That I will be forced to buy an expensive insurance program that will not cover my office visits or pay for lab work. I work in a medical office and know how hard insurance companies work to keep from paying even these most basic things. One of the things our Doc does as a specialist is look to see if a patient has food allergies. Did you know that one of the largest insurance companies refuses to pay for a food allergy test, even if the diagnosis code is that the patient has a probable food allergy? More of this sort of things, even more blatant, would happen if everyone were forced to buy insurance from the for profit companies. To my mind, it is stealing your money.
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FreakinDJ Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 03:55 PM
Response to Reply #4
11. Cut Out the Middelmen (Ins. Cos) and you won't have to worry for your job
Insurance companies add 30% to the cost of Healthcare
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HelenWheels Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 06:12 PM
Response to Reply #11
27. Right
Insurance companies are in it for the money and not for the person insured. Get rid of the insurance companies.
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mmonk Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Mar-08-09 09:50 AM
Response to Reply #4
31. Yep.
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Taverner Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 03:43 PM
Response to Original message
5. I am hoping that when the rubber hits the road, they will move to Single Payer
If anything to reduce costs for the State, the Doctors, the Providers and the Patients.
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mmonk Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Mar-08-09 09:53 AM
Response to Reply #5
32. Me too. But I don't know how to make this country shift its thinking
into putting its citizens first. Around 30 years of belief in the Reagan ideology is hard to sweep away.
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FrenchieCat Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 03:44 PM
Response to Original message
6. Who is for mandates?
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walkaway Donating Member (725 posts) Send PM | Profile | Ignore Sat Mar-07-09 03:47 PM
Response to Original message
8. I think...I hope it is the first step
If the government provides affordable insurance for the uninsured then eventually the entire country will move over to the system. If insurance companies can clean up their act and compete with it they will continue.

Business wants out of the health care responsibility but it can't happen overnight. I have actually heard that there isn't enough doctors to handle another 48,000,000 people into the system.

This is how I understand it but I'm no expert. I just hope it all really happens.
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Greyhound Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 03:50 PM
Response to Original message
9. It's not about getting people health care, it's about guaranteeing profits for campaign contributors
Haven't you been paying attention? Look at everything done for 30 years, regardless of who's in charge.

It's really kind of surprising they've still not given away all the SS money, but devaluation should take care of that sooner or later.


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FreakinDJ Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 03:53 PM
Response to Original message
10. 20% of Hospital Cost is for "Un-Reinbursed Medical Cost"
which is a fancy name for "Uninsured"
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yellowdogintexas Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 04:17 PM
Response to Reply #10
15. yes, and a whole lot of that is folks using the ER as a doctor's office because
they wait until the situation is unbearable and go to the ER because they can't be turned away from the ER especially if it is the County/Public hospital.

Make it easier for people to see a doctor when they first get ill and costs will be reduced.
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IntravenousDemilo Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 03:59 PM
Response to Original message
12. It won't.
All it will do is keep medical care away from those who cannot afford it, and who ironically probably need it the most at this point.

If that's what Obama is thinking about, one must naturally suspect that someone in the administration will be profiting handsomely from it. Politicians and conflict of interest go hand in hand.
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yellowdogintexas Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 04:22 PM
Response to Reply #12
16. the thing is, when you lump what is it now, 50 million people into one group
many of whom are young adults, children and other essentially healthy groups, you get affordable premiums. Spreading the risk.

figure this: 40 million x $10 per month premium x 12 months is a lot of money.
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IntravenousDemilo Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 04:46 PM
Response to Reply #16
17. For once, your government might try abandoning "American exceptionalism" and looking north.
We've set a pretty good example up here, and since The American Way of doing things is just not working, why not give our way a shot? It would cost less in the long run, and everyone would have essential coverage.
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yellowdogintexas Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 11:36 PM
Response to Reply #17
29. wouldn't argue with you there I think you are totally right.
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dipsydoodle Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 04:07 PM
Response to Original message
13. Well now
I don't really see the difference between mandated private health care and our National Health Service in the UK which has been a no choice option since c. 1948 i.e. mandatory. Payments are taken direct from wages weekly or monthly , the same as income tax , and then paid direct to the Inland Revenue government body monthly along with the employers contribution.
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yellowdogintexas Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 04:16 PM
Response to Original message
14. several reasons:
much lower premiums than individual or small group can ever hope to offer

consistency in coverage across the board;

support to businesses who assist their employees in purchasing it either by tax credits to the employer or subsidized premiums.

sliding scale on premiums based on income/family size

no pre existing clauses ..and this is a biggie...Medicare and Medicaid have no pre ex. Most very large employer groups have no pre ex. Outside of that world, the only way you can be sure to not be pre-ex'd on a condition (or denied coverage) is to never be without coverage more than 60 days. And we didn't have that until the Clinton years.

Less complicated for providers. Consider that a whole lot of small group and individual plans will become unmarketable because their customers are going to the big National group. Providers then have that many fewer weird little coverage rules to keep up with .

I have processed medical claims for Part B Medicare, small group and individual, and HMO plans.
Small group and individual is the worst. Part B Medicare is the simplest and has the lowest cost per claim of any coverage out there. Big group is somewhere in between, and sometimes a company will cover things for their employees that a gov't plan will not..like in vitro fertilization for example.

If this proposed coverage is even remotely similar to what government employees are allowed to choose from it is magnificent coverage. My mom had it as part of her survivor's benefits when my dad died and when she became eligible for Medicare it became her supplement. Fantastic coverage. (He was USPS)

My employer offers a High Deductible Plan and you can choose the size of the deductible. Everything that is covered goes on one deductible: RX, dr visits, etc., at the network negotiated rate. However when your deductible is met, your out of pocket is also met for the remainder of the year; and your out of net provider is reimbursed at 70% .

We can combine it with a pre taxed Health Care Savings Plan which is a continuing account that the employer also contributes to and it earns interest. What you don't use just rolls to the next year and you take it with you if you leave the company ... so if I opt to have enough pulled from my pay to total $1200 per year, my employer is going to match that entire $1200 which covers both our deductibles. I am currently building it up but once I have a good nest egg in it I can reduce my personal contribution and essentially give myself a raise. We have a card that allows us to pay for services directly out of that account. This type of account is a new trend and is available to employees whose coverage has a high deductible.

I might be one who opts to stay with the company coverage...OR my company could decide to offer the National plan to us and thus make the group even larger and possible healthier. Certainly my husband's employer, a much smaller company would benefit by the availability of the National plan for the employees. I KNOW it would be better coverage; our last plan was 60/40 after deductible.

I have said ever since I worked for Medicare that it just needed to be opened up to everyone, with employers contributing to premiums if they wanted to, sliding scales for self employed and under employed, etc. See they should have just listened to me

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dkofos Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 05:21 PM
Response to Original message
19. Ask the people in Massachusetts how thats working out for them.
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readmoreoften Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 05:51 PM
Response to Original message
21. It won't. You just won't be able to work because you don't have your insurance card.
It sounds like the worst disaster ever, if you ask me.
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leftofthedial Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 05:52 PM
Response to Original message
22. it won't be better.
it will eventually end Medicare.

THEN the insurance companies will be happier.
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blues90 Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 07:38 PM
Response to Original message
28. I wonder just who in our government got the lobby money
To breath life into these abominations called HMO's in the first place. Find the source and you know why we are even in this madness to begin with.

This sort of shit does not happen by accident, it is planned and paid for.

Some one tosses you some thick book with 10,000 doctors to choose from and off you are into some system of hope and wonder and a big bill.

Why do we pay for the governments healthcare when we get the crap , they seem well off enough let them pay for their own crap ass HMO plan.

Oh I forgot they are the best of the best , the Kings and Queens of the USA that sit on their assess and put on a front and do never stand up for what the people want.

Private comp healthcare as in only they know who they are screwing over.
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TexasObserver Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Mar-07-09 11:41 PM
Response to Original message
30. It won't be. It will be a disaster, just like it is now, except worse.
Mandated health insurance will be used as a club to beat up and beat down those who can least afford such payments.
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TransitJohn Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Mar-08-09 09:56 AM
Response to Original message
34. Insurance=extortion and racketeering.
It doesn't matter what sort of insurance it is, they're not out to help you. They exist to pay out dividends to stockholders, which means denying claims. They view your premiums as their profits.
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