Universal health insurance

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So we say, “Hey, American people! Lawyers, insurance companies, collection agencies, doctors and hospitals are all taking advantage of you. So we’ll fix it so that lawyers, insurance companies, collection agencies, doctors, hospitals and bureaucrats can take advantage of you!!”😉
http://www-personal.umich.edu/~lilyth/cartoon/mrdid.jpg
If you look back through this thread, you can find concrete proposals for making our system better that involve reducing the number of scoundrels that take advantage of people, not increasing the maze of parasites.
Here’s Vern’s approach to medical care:

http://www.comtechelectronics.net/contact_us/Wizard4.gif

Why, it’s MAGIC!
 
I did some extensive research for those who need medicine but are unable to afford it.🙂

Financial Help with Medications
by Sherrie Mcgregor, Ph.D.
January 21, 2007

Low-income patients may be able to get their medications for free by providing documentation to charitable programs run by pharmaceutical companies. **In the US, the Pharmaceutical Manufacturers Association publishes a directory of medication assistance programs. **Doctors can get a copy of the PMA’s official guide by calling (800) PMA-INFO. Alternatively, you or your doctor can call the company that makes your medication directly to find out about its indigent patient program:

3M Pharmaceuticals (800) 328-0255
Allergan Prescription (800) 347-4500
Alza Pharmaceuticals (415) 962-4243
Amgen (800) 272-9376
Astra USA (800) 488-3247
Berlex (800) 423-7539
Boehringer Ingleheim (203) 798-4131
Bristol Myers Squibb (800) 736-0003
Burroughs-Wellcome (800) 722-9294
Ciba-Geigy Patient Support Program (800) 257-3273 or (908) 277-5849
Eli-Lilly (317) 276-2950
Genetech (800) 879-4747
Glaxo (800) 452-7677
Hoechst-Roussel (800) 776-5463
Hoffman-Larouche (800) 526-6367
Ici-Stuart (302) 886-2231
Immunex Corp. (800) 321-4669
Janssen (800) 253-3682
Johnson & Johnson (800) 447-3437
Knoll (800) 526-0710
Lederle (800) 526-7870
Lilly Cares Program (800) 545-6962
Marion Merrel Dow (800) 362-7466
McNeil Pharmaceuticals (800) 682-6532
Merck Human Health (800) 672-6372
Miles (800) 998-9180
Ortho Pharmaceuticals (800) 682-6532
Parke-Davis (202) 540-2000
Pfizer Indigent Patient Program (800) 646-4455
Pharmacia (800) 795-9759
Proctor & Gamble (800) 448-4878
Rhone-Poulenc Rorer (610) 454-8298
Roche Labs (800) 285-4484
Roxane Labs (800) 274-8651
Sandoz (800) 937-6673
Sanofi Winthrop (800) 446-6267
Schering Labs (800) 521-7157
Searle (800) 542-2526
Serono (617) 982-9000
SmithKline Access to Care Program (800) 546-0420 (patient requests) or (215) 751-5722 (physician requests)
Solvay Patient Assistance Program (800) 788-9277
Survanta Lifeline (800) 922-3255
Syntex Labs (800) 822-8255
UpJohn Co.
(800) 242-7014
Wyeth-Ayerst (703) 706-5933
Zeneca Pharmaceuticals (800) 424-372

An organization called the Medicine Program can help you and your doctor apply to indigent patient programs. Call them at (573) 778-1118, email at help@themedicineprogram.com, or see their web site.

Most of these programs require that you have no insurance coverage for outpatient prescription drugs, that purchasing the medication at its retail price would be a hardship for you due to your income and/or expenses, and that you do not qualify for a government or third-party program that can pay for the prescription. (continued)]
psychcentral.com/lib/2007/financial-help-with-medications/
http://psychcentral.com/lib/2007/financial-help-with-medications/
I love to volunteer my time for those in need of care. I hope the information I’ve provided might be helpful for someone out there. 🙂 :blessyou: I have a day off so I’m planting flowers in my garden. 👍
 
Isn’t it interesting how, if we drop the name calling, and do a little reseach we can find so many sources of help for those who need it?
 
How does mismanagement and overspending in government justify more mismanagement and overspending?

I think your prejudices are speaking there.

Everyone wants good health care – and I have posted several things we can do to get it.

When I look at inner cities, families that have to have two incomes, and look at the waste in government, I am not filled with confidence.
It sounds like to me that really what your saying here is that the US can’t do this. That’s an interesting position. Its depressing to be sure, but I’m not going to dismiss you on it. Again that might be worthy of a thread.
Why am I in the minority? What prevents other people from shopping where they please, including shopping for doctors?
In theory you can if you don’t mind paying out of pocket. Most people would find that difficult if not impossible to do.
If we adopted MSAs, as I explained, we could all choose our doctors. In fact, MSAs encourage people to shop for doctors and health care, and allow them to make all their own health care decisions.
I’m not going to argue that this would be better than our current system. However, I’m not sure it would be better a system like the French have. It would certainly be better for middle class but how would this system help the poor?
Actually, until recently I would say no to that. But as an experiment, I enrolled in VA health care (for glasses and hearing aids.) When I go through VA – which is government health care – I have to drive a 100 mile round trip to see a doctor who tells me what my doctor here tells me. Then he “authorizes” me to visit a clinic (250 mile round trip) to get tests I could get within walking distance of my doctor here.
Yeah, most insurance carriers only accept certain providers within their network. Of course while not as bad as your VA experience. Doctors usually have to pick referals to other doctors in the network. And most specialists won’t take you off the street.

I remember working at one company where they lowered our benefits and the employees who lived in Indiana no longer had local doctors in the network. So they had get new doctors in Kentucky. Some of course paid out of pocket, but most could not.
You’re kidding!?!?
I was in England working a project and watched TV in my hotel room. I saw a news program where the worlds Number One heart-lung transplant hospital was being closed down “for reasons of efficiency.” A government spokesman explained this was a good thing – the heart-lung team would be dispersed to other hospitals and train more teams.
That was followed by an interview with one of the team. He said, “I’m the Anesthesiologist. How can I train surgeons?”
Look at the waiting lists.
Yeah and if you think that’s bad consider that the UK ranks better than us on patient wait times! Unless you’re talking non-essential specialists then we rank only behind Germany.
Read the comments by Canadians who blame us for “poaching” the Canadian doctors who come to the US to work.
Sure we do get some docs from other countries. We do pay well. Which is good since we still have less docs per 100,000 than any industrialized nation and some third world nations.
 
How childish.
Sometimes, simplicity is needed to make a point. Your “solution” is naïve and wishful thinking…just like magic. It is based on the notion that everyone is very well off and has thousands in expendable income that they can set aside for medical expenses. Your “solution” fails to take chronic conditions, like pathia’s, into account. Oh, you play lip service by adding a little pittance for the poor but otherwise, it’s another right-wing solution that helps no one but the already wealthy.
 
I’ve never worked at a job where some form of insurance wasn’t offered - from menial jobs all the way up the ladder.
How about the people who work part time? Some of them don’t qualify for the insurance at their places of work.l And what about those who work for individuals, maids, yardmen, etc. If they don’t work for an agency, they don’t have insurance.
 
Whose goal are you assuming to reach? The federal government has no legitimate role in providing anything like universal healthcare insurance. Insurance is a private business venture just as being a physician, or drug maker is private enterprise. Universities and businesses are involved in research and development for non-government reasons generally. Unless you want or think the government should nationalize the schools, R&D, and doctors like some countries like Venezuala have their energy resources, or Cuba and its healthcare…we should not be asking our government to do what we say we are against.

The government has a role to play like when it passed a law that no one can be turned away from an emergency room seeking help or Good Samaritan type protection laws. It should provide a fair an impartial setting (court) when disputes arrise between individuals and/or companies that make and break agreements amongts themselves. The government should not be taking people to court for violations of private industry for that industry; the company and/or individual have that obligation. There are many private firms (lawyers) who advertise on tv to help protect your rights- for a cost and sometimes for free or % of your recovery. The risks are ours to bear as the rewards are ours to keep.

Look at how the government is planning to bail out many mortgage companies who gave bad loans to many people who for a variety of reasons accepted unrealistic terms. It is promoted as helping those who may loose their homes, but it is little more than corporate welfare. Is that fair to the many live within their means and/or who don’t want to receive or give unjustified benefits?

These companies lobby our government officials to pass laws that favor them to reduce their risk at the expense of the individuals. This is evident in energy, housing, insurance, military hardware manufacturers, farmers as well as helathcare professionals.

I would wager if the federal government got out of trying to solve all of our problems for us in an effort to help us; like how much a HMO can charge a patient for an asprin (the maximum) or how much a doctor can charge an HMO for reimbursment (the minimum), what treatment is beneficial for a particular malady and patients choice of physician our status of best healthcare in the world would continue rather then be declining.

The Church should restrict it’s role to forming our morality so that in our daily lives as a doctor, patient, drug company or legislator we are fair and compassionate to those we deal with in a professional Chirstian manner. With that formed morality we shape our government to reflect that morality and fight the immorality of others who want to shape it in a different and harmfull ways like legalized abortion as part of universal healthcare.

The free market unrestricted by federal government mandates would better serve the people. State governors could negotiate with private insurance companies better for the citizens of that state and local appeals for assistance to those who need it would be heard louder than now. We as a society have begun to look to the federal government as the responsible party for our well being and they are not. We the individuals are responsible for ourselves and our neighbors, but if the monolith of federal government is given control of our lives like we have been doing we should not be surprised if most federal government programs are abused like the Social Security program.

We dull our humanity and natural instincts by relying on the federal government like that. We have become ‘afraid’ to render aid in fear of a lawsuit, or we think the 30% we give to the federal government in income taxes absolves us of our duty to care for the man lying in the gutter, or the abused mother and children since the federal government has the money to redistribute for us.
👍
 
Most of these programs require that you have no insurance coverage for outpatient prescription drugs, that purchasing the medication at its retail price would be a hardship for you due to your income and/or expenses, and that you do not qualify for a government or third-party program that can pay for the prescription.
I appreciate the list, I will be contacting some of these organizations, however the bolded part is what messes me up. I have insurance coverage, they just refuse to cover most of my expenses. They are the only insurance company in the state that will cover me, so I have no other options. I don’t know if there are exceptions for this situation or not, most people I’ve contacted won’t help me because I have insurance. However, I’m forced it at work basically, I can’t exactly not-pay for it, even if I wanted to even though it doesn’t do anything for me. I’m currently discussing with HR what to do about this situation.
 
It sounds like to me that really what your saying here is that the US can’t do this. That’s an interesting position. Its depressing to be sure, but I’m not going to dismiss you on it. Again that might be worthy of a thread.
No, I’m saying the Government shouldn’t do it.
There are a lot better ways to reach our goal than a lethargic, inefficient government program.

As a wise man said, “Government healt care will have all the efficiency of the Post Office and all the compassion of the IRS.”
In theory you can if you don’t mind paying out of pocket. Most people would find that difficult if not impossible to do.
So the solution is to pay out of someone else’s pocket? And to thank that person by forcing him under the same restrictions?
I’m not going to argue that this would be better than our current system. However, I’m not sure it would be better a system like the French have. It would certainly be better for middle class but how would this system help the poor?
Obviously you didn’t read the original post. I’ll repost it.
Yeah, most insurance carriers only accept certain providers within their network. Of course while not as bad as your VA experience. Doctors usually have to pick referals to other doctors in the network.
MSAs would give us much more freedom.
And most specialists won’t take you off the street.
Which is an entirely different matter. Specialists rely on GPs and other physicians to diagnose and make tests. Would you expect to walk into a neurosurgeon’s office and say, “Hey, Doc! I need brain surgery right away?”
I remember working at one company where they lowered our benefits and the employees who lived in Indiana no longer had local doctors in the network. So they had get new doctors in Kentucky. Some of course paid out of pocket, but most could not.
And if that happened to me, I’d quit and work elsewhere.
Yeah and if you think that’s bad consider that the UK ranks better than us on patient wait times! Unless you’re talking non-essential specialists then we rank only behind Germany.
Funny how I never wind up on a waiting list – unless it’s with the VA.😛
Sure we do get some docs from other countries. We do pay well. Which is good since we still have less docs per 100,000 than any industrialized nation and some third world nations.
My county has a population of about 12,000. If each of us saw the doctor once a year, and he spend an hour giving us a checkup, we’d need 6 physicians. We have 11 physicians. Do we need more?
 
Funny how I never wind up on a waiting list – unless it’s with the VA.😛
The last time I managed to see an endocrinologist, the specialist I need to see the most often, I had to wait 6months after my GP had said I needed one. Most of the others had even longer waiting lists, I just picked the one that could see me the fastest and even then I drove 4hours.
 
No, I’m saying the Government shouldn’t do it.
There are a lot better ways to reach our goal than a lethargic, inefficient government program.

As a wise man said, “Government healt care will have all the efficiency of the Post Office and all the compassion of the IRS.”
And yet the rest of the industrialized world (with UHC) has better health care than we do. So if your above snip is accurate what does that make our system?
So the solution is to pay out of someone else’s pocket? And to thank that person by forcing him under the same restrictions?
First sentence we pay out of pocket for lots of expenses that may or may not benefit us as individuals, healthcare would just be one of the better things to pay out to.

As to the second sentence I’ve seen less straw in the bedding in my horse’s stall. You do realize that many UHC countries still have health insurance right? If you want supplimentaly care go for it.
Obviously you didn’t read the original post. I’ll repost it.
Please do and focus on the poor because what I saw before didn’t really seem offer much benefit to them.
MSAs would give us much more freedom.
Than what we have now certainly.
Which is an entirely different matter. Specialists rely on GPs and other physicians to diagnose and make tests. Would you expect to walk into a neurosurgeon’s office and say, “Hey, Doc! I need brain surgery right away?”
Well I wouldn’t tell him how to treat me, but why shouldn’t I be able to go to a specialist when I need one? Other countries allow it and works for them.
And if that happened to me, I’d quit and work elsewhere.
I’m glad that you have a profession that has a health job market. Many do not. Heck I’m on my second career profession because the first one pretty much locked me down into my position. I’m lucky though because I’m single and don’t have children. Other’s cannot be as flip with their decisions. Also, when one is in that scenario it doesn’t make the greatest amount of sense to leave what coverage you have to go to zero coverage. And Cobra is a joke.
Funny how I never wind up on a waiting list – unless it’s with the VA.😛
I have, my mother has, my dad has, my brothers have, my aunts and uncles have. Many of my friends have. It isn’t uncommon but then again the US isn’t that bad in this area we’re in the top 6 that’s not to shabby. Also keep in mind that while we were at 37% for next day visits that is still pretty good. I only brought that one up because people always throw the “waiting list” card as con against universal healthcare but in reality 5 UHC countries have shorter waiting times than we do. But still this is the one area we do well in.
My county has a population of about 12,000. If each of us saw the doctor once a year, and he spend an hour giving us a checkup, we’d need 6 physicians. We have 11 physicians. Do we need more?
Vern and I mean this as kindly as possible please use some common sense here. You are blessed to live in area with a saturation of doctors. That’s awesome but try to understand your little county is not the entire United States. Not everyone is blessed with great health insurance and not everyone lives in an area that is convenient to healthcare.

The point of bringing up the number docs was that this should be the one area that we excel all others in. We pay good wages to doctors here yet we don’t seem to be attracting as many to the field as we should be. Why is it that other countries who pay their doctor’s much less are able to attract more to the profession? This isn’t necessarily a UHC verses our system thing, as really the advantage should be ours (at least in theory) but obviously we’re doing something wrong when not even money is enough of a temptation.
 
The last time I managed to see an endocrinologist, the specialist I need to see the most often, I had to wait 6months after my GP had said I needed one. Most of the others had even longer waiting lists, I just picked the one that could see me the fastest and even then I drove 4hours.
This sounds like an extremely unusual situation to me. There must be more to this story.
 
Home

Why, it’s MAGIC!
😃 …bang on. Debating with Vern is a waste of energy…he will never concede defeat and he has soundly lost this debate.

What is one to do?

I suppose just tell him what he wants to hear, that he is right, that the uninsured can get excellent, quality and consistent care in the USA.

🤷
 
And yet the rest of the industrialized world (with UHC) has better health care than we do. So if your above snip is accurate what does that make our system?
You say they have better health care. But under indentical circumstances, that isn’t so. Also, there’s a lot of juggling the figures – for example, obesity in America is cited. How will a government health care system cure obesity?
First sentence we pay out of pocket for lots of expenses that may or may not benefit us as individuals, healthcare would just be one of the better things to pay out to.
That assumes we will get better healthcare. What if we get a healthcare system that is as expensive and ineffective as our Public School System?
As to the second sentence I’ve seen less straw in the bedding in my horse’s stall. You do realize that many UHC countries still have health insurance right? If you want supplimentaly care go for it.
Ah, the old, “If you don’t want it, you don’t have to have it – but you still have to pay for it” ploy.😉
Please do and focus on the poor because what I saw before didn’t really seem offer much benefit to them.
Watch for my next post.
Well I wouldn’t tell him how to treat me, but why shouldn’t I be able to go to a specialist when I need one? Other countries allow it and works for them.
Under MSAs, everyone could go to any specialist they wanted.
I’m glad that you have a profession that has a health job market. Many do not. Heck I’m on my second career profession because the first one pretty much locked me down into my position. I’m lucky though because I’m single and don’t have children. Other’s cannot be as flip with their decisions. Also, when one is in that scenario it doesn’t make the greatest amount of sense to leave what coverage you have to go to zero coverage. And Cobra is a joke.
Which is why Congress should get off its butt and enact MSAs.
Vern and I mean this as kindly as possible please use some common sense here. You are blessed to live in area with a saturation of doctors. That’s awesome but try to understand your little county is not the entire United States. Not everyone is blessed with great health insurance and not everyone lives in an area that is convenient to healthcare.
Pardon me!?!?

I live in a remote county in Arkansas. Arkansas is 48th in the nation in per-capita income, and this congressional district – with 27 counties – has only four counties that can match the state for per capita income.

And 19 of the remaining counties – including this one – are falling farther and farther behind the state.

Yet somehow, we manage to have good health care. Go figure.😉
The point of bringing up the number docs was that this should be the one area that we excel all others in. We pay good wages to doctors here yet we don’t seem to be attracting as many to the field as we should be. Why is it that other countries who pay their doctor’s much less are able to attract more to the profession? This isn’t necessarily a UHC verses our system thing, as really the advantage should be ours (at least in theory) but obviously we’re doing something wrong when not even money is enough of a temptation.
For one thing, the Clinton administration paid medical schools not to graduate so many doctors. They figured less is better.
 
MSAs

The fundamental principle behind Medical Savings Accounts (MSA) is that you buy cheap, high-deductible catastrophic health insurance, and then save an amount each year equal to the deductible with tax-free dollars. You use that money to cover any medical expenses up to the deductible. You roll any unused dollars over at the end of each year into your IRA. The institution holding the MSA would issue a credit card, and this card would be used to pay for health care. This would have several important impacts:
  1. Paperwork makes up from one-third (in private health plans) to two-thirds (in government programs) of the total cost of health care. The use of this credit card approach would dramatically reduce the paperwork and result in lower costs.
  2. The current systems of paying for health care have long delays built in. The pay-on-the-spot approach would allow care providers to further lower costs.
  3. MSAs provide an incentive for people to bargain for health care – when people spend their own money (and know they can keep all they save), they have an incentive to bargain for better rates.
  4. MSAs provide an incentive to avoid over-consumption of medical care.
People who cannot afford MSAs can apply for assistance, based on their most recent tax return, and would receive proportionate assistance – not an automatic 100%. They would get help with insurance premiums and with each payment from their MSA – so they would always have the chance to save something by bargaining and not over-consuming.

Young people would especially benefit from this – since they could build up substantial savings in their healthiest years.
 
The point of bringing up the number docs was that this should be the one area that we excel all others in. We pay good wages to doctors here yet we don’t seem to be attracting as many to the field as we should be. Why is it that other countries who pay their doctor’s much less are able to attract more to the profession? This isn’t necessarily a UHC verses our system thing, as really the advantage should be ours (at least in theory) but obviously we’re doing something wrong when not even money is enough of a temptation.
The doctor shortage is a result of enrollment cutbacks by medical schools several years ago, which we are feeling the affects of now. At the same time these cutbacks occurred, there was a big push for enrollment in other medical professions, such as nurse practitioners and physician assistant programs. The purpose of this is debatable, but it is theorized that it was in anticipation of rising medical costs, and the eventual shift to UHC, which would result in a catastrophic exodus of doctors from the medical field.

Contrary to popular opinion, not all doctors are rich. Many younger doctors are concerned that UHC will result in such a dramatic salary cut that they won’t be able to pay off their student loans. Many older doctors are concerned that UHC will be implemented during the period of their career when their loans were finally paid off and they hoped to pay for their retirement.
My wife and brothers attended the same private Catholic medical school. If they depended completely on medicaid and medicare reimbursement rates, the most likely approximation of UHC reimbursement rates, they would be unable to keep up with their student loan payments.

UHC would cause a chain reaction similar to the housing market crash. Doctors would default on loans, loan companies would start to fail, medical students would have a hard time getting loans at good rates, medical schools would start to go bankrupt, and thus even fewer doctors would be trained.

I know many doctors across many specializations who regularly state that they plan on leaving the medical field if UHC is ever put into practice. Sure, it is possible that we would eventually recoup the number of doctors, but there is no guarantee of that, and there would be chaos in the mean time.
 
MSAs

The fundamental principle behind Medical Savings Accounts (MSA) is that you buy cheap, high-deductible catastrophic health insurance, and then save an amount each year equal to the deductible with tax-free dollars. You use that money to cover any medical expenses up to the deductible. You roll any unused dollars over at the end of each year into your IRA. The institution holding the MSA would issue a credit card, and this card would be used to pay for health care. This would have several important impacts:
  1. Paperwork makes up from one-third (in private health plans) to two-thirds (in government programs) of the total cost of health care. The use of this credit card approach would dramatically reduce the paperwork and result in lower costs.
  2. The current systems of paying for health care have long delays built in. The pay-on-the-spot approach would allow care providers to further lower costs.
  3. MSAs provide an incentive for people to bargain for health care – when people spend their own money (and know they can keep all they save), they have an incentive to bargain for better rates.
  4. MSAs provide an incentive to avoid over-consumption of medical care.
People who cannot afford MSAs can apply for assistance, based on their most recent tax return, and would receive proportionate assistance – not an automatic 100%. They would get help with insurance premiums and with each payment from their MSA – so they would always have the chance to save something by bargaining and not over-consuming.

Young people would especially benefit from this – since they could build up substantial savings in their healthiest years.
Extremely naïve and wishful thinking.

Vernie refuses to answer the question as to where this tax free money has to go so it can be tax free (hello!?). He is probably incapable of answering how people are going to afford putting anything into such a place when inflation is skyrocketing due to an artificially high energy market and food prices climbing through the roof at light speed.

But, hey, it’s a right-wing solution. What else is new?
 
This sounds like an extremely unusual situation to me. There must be more to this story.
Nope.

My GP said “You need to meet with an endocrinologist. Here’s a list of them in the state, make an appointment and let me know which one you see.”

And I called them all, and then the waiting began.
 
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