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Taking Insurance Companies Out of Healthcare - 10/10/2014 6:44:15 AM   
Zonie63


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From: The Old Pueblo
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Boeing experiment will be closely watched by business CEOs and insurers alike

quote:

There are many Americans who are beginning to question the contributions big insurance companies make to our health care system. And I’m not just talking about lefty advocates of a single-payer system. Corporate executives are also wondering why we need the big insurers and whether higher-quality and more cost-effective care could be provided to employees if they didn’t have to deal with health insurers at all.

I wrote a few months back that my former CEO at Cigna once said that what kept him up at night was the possibility that Americans — business leaders in particular — would ultimately conclude that insurers were an unnecessary expense. He used the term “disintermediation,” a fancy word that means “cutting out the middle man.”

News out of Seattle this summer undoubtedly has caused the big insurance CEOs to lose more than a bit of sleep. Boeing, the world’s largest aerospace company and one of the Seattle area’s largest employers, announced that it has decided to forego the services of an insurance company and to contract directly with two of the Northwest’s largest hospital systems to provide care to its 27,000 employees and 3,000 retirees in the region.


This looks like it might have promise. The "middle man" has absolutely zero value in this process, so why not cut out the middle man? "Disintermediation" sounds interesting.
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RE: Taking Insurance Companies Out of Healthcare - 10/10/2014 6:48:27 AM   
Sanity


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From: Nampa, Idaho USA
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Yeah, lets put some lazy, overpaid fat assed government bureaucrats in charge of our health care

Endless red tape, no one to appeal to,, take a number, shut up, and be happy with the crappy service you must accept

Live the dream

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RE: Taking Insurance Companies Out of Healthcare - 10/10/2014 6:49:20 AM   
Musicmystery


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Single payer is the path. Everyone knows it. We're just not done squeezing the extra profit out yet.

The "American way."

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RE: Taking Insurance Companies Out of Healthcare - 10/10/2014 6:56:20 AM   
Lucylastic


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Of course insurance companies only care about the patient.....have no file numbers or case numbers, never deny anyone coverage, and cover anyone who needs help, for the basics of what they need, despite their earnings. Oh and they never put up their prices.
yeah insurance companies
weeeeeeeeee

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RE: Taking Insurance Companies Out of Healthcare - 10/10/2014 7:07:50 AM   
freedomdwarf1


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quote:

ORIGINAL: Sanity


Yeah, lets put some lazy, overpaid fat assed government bureaucrats in charge of our health care

Endless red tape, no one to appeal to,, take a number, shut up, and be happy with the crappy service you must accept

Live the dream

If you had bothered to read the fucking post, he never mentioned the government at all.
He just mentioned cutting out the middle men and dealing direct with the hospitals.


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RE: Taking Insurance Companies Out of Healthcare - 10/10/2014 8:32:22 AM   
tweakabelle


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From: Sydney Australia
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quote:

ORIGINAL: freedomdwarf1


quote:

ORIGINAL: Sanity


Yeah, lets put some lazy, overpaid fat assed government bureaucrats in charge of our health care

Endless red tape, no one to appeal to,, take a number, shut up, and be happy with the crappy service you must accept

Live the dream

If you had bothered to read the fucking post........


freedomdwarf1, I am afraid your expectations are unrealistically high. Bona fide members of the looney Right don't bother themselves with trivialities like facts .......

< Message edited by tweakabelle -- 10/10/2014 8:34:26 AM >


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RE: Taking Insurance Companies Out of Healthcare - 10/10/2014 8:55:01 AM   
mnottertail


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quote:

ORIGINAL: Sanity


Yeah, lets put some lazy, overpaid fat assed government bureaucrats in charge of our health care

Endless red tape, no one to appeal to,, take a number, shut up, and be happy with the crappy service you must accept

Live the dream


I think that lazy, overpaid fat assed corporate shitbreathers have been in charge of insuring we dont get healthcare long enough.

They have created endless red tape, no one to appeal to, take a number, shut up, and be happy with the crappy service you must accept, and their personal bonus is of utmost importance.

Yeah, I would rather have impartial, no skin in the game oversight.


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RE: Taking Insurance Companies Out of Healthcare - 10/10/2014 12:04:43 PM   
RottenJohnny


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FR

Wow. How quickly the winds change.

Seems to me I was trying to advocate something very similar to this in a recent thread and got nothing but crap for the idea of dealing directly with the hospital by paying cash for my healthcare (freedomdwarf). Despite laying out the actual mathematics of it all right in front of everyone, I was met with absolute denial that I was actually spending less than people using insurance and still getting quality care (freedomdwarf). Now, if more people would just consider that by letting the government control healthcare instead of insurance companies they're only swapping one middleman for another (a middleman who actually can take your house for not paying your bill), maybe they'll take an idea like this more seriously. But I can only hope.

I could use the term "market forces" here but I don't want anyone to blow a gasket.

_____________________________

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"Give me liberty or give me death." - Patrick Henry

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RE: Taking Insurance Companies Out of Healthcare - 10/10/2014 12:17:34 PM   
freedomdwarf1


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quote:

ORIGINAL: RottenJohnny

FR

Wow. How quickly the winds change.

Seems to me I was trying to advocate something very similar to this in a recent thread and got nothing but crap for the idea of dealing directly with the hospital by paying cash for my healthcare (freedomdwarf). Despite laying out the actual mathematics of it all right in front of everyone, I was met with absolute denial that I was actually spending less than people using insurance and still getting quality care (freedomdwarf). Now, if more people would just consider that by letting the government control healthcare instead of insurance companies they're only swapping one middleman for another (a middleman who actually can take your house for not paying your bill), maybe they'll take an idea like this more seriously. But I can only hope.

I could use the term "market forces" here but I don't want anyone to blow a gasket.

There is a huge difference between a single person paying a hospital bill and a large company negotiating a decent package for all of their workers.
Or maybe the nuances of real life escape you??

And no, swapping greedy profit-driven insurance companies for a subsidised general healthcare system that benefits everyone is a completely different kettle of fish and a totally different concept.


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RE: Taking Insurance Companies Out of Healthcare - 10/10/2014 12:44:54 PM   
RottenJohnny


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quote:

ORIGINAL: freedomdwarf1
There is a huge difference between a single person paying a hospital bill and a large company negotiating a decent package for all of their workers.
Or maybe the nuances of real life escape you??

Not really. Of course it's more complex but its still taking a "micro" idea and applying it to a "macro" situation. Or maybe the nuances of business economics escape you?


quote:


And no, swapping greedy profit-driven insurance companies for a subsidised general healthcare system that benefits everyone is a completely different kettle of fish and a totally different concept.

The only difference I see is who gets to control the pool of money. Sooner or later, someone isn't going to get the care they need (just look at the VA) or a doctor isn't going to get paid the total sum he charged (lowering costs through legislation). At the recipient level, how are those results any different than dealing with an insurance company?

_____________________________

"I find your arguments strewn with gaping defects in logic." - Mr. Spock

"Give me liberty or give me death." - Patrick Henry

I believe in common sense, not common opinions. - Me

(in reply to freedomdwarf1)
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RE: Taking Insurance Companies Out of Healthcare - 10/10/2014 12:45:42 PM   
Zonie63


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Joined: 4/25/2011
From: The Old Pueblo
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quote:

ORIGINAL: RottenJohnny

FR

Wow. How quickly the winds change.

Seems to me I was trying to advocate something very similar to this in a recent thread and got nothing but crap for the idea of dealing directly with the hospital by paying cash for my healthcare (freedomdwarf). Despite laying out the actual mathematics of it all right in front of everyone, I was met with absolute denial that I was actually spending less than people using insurance and still getting quality care (freedomdwarf). Now, if more people would just consider that by letting the government control healthcare instead of insurance companies they're only swapping one middleman for another (a middleman who actually can take your house for not paying your bill), maybe they'll take an idea like this more seriously. But I can only hope.

I could use the term "market forces" here but I don't want anyone to blow a gasket.


But this proposal wouldn't involve using the government as a middle man.

However, I would point out that the CEO of the US government earns considerably less than the CEO of United Healthcare. So, without having to pay the humongous salaries of do-nothing middle men, there should be enormous savings.

As far as using "market forces" in healthcare, that would only work as long as it operates consistently with the principles of free market economics, but I don't see that happening any time soon.

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RE: Taking Insurance Companies Out of Healthcare - 10/10/2014 1:06:38 PM   
freedomdwarf1


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quote:

ORIGINAL: RottenJohnny


quote:

ORIGINAL: freedomdwarf1
And no, swapping greedy profit-driven insurance companies for a subsidised general healthcare system that benefits everyone is a completely different kettle of fish and a totally different concept.

The only difference I see is who gets to control the pool of money. Sooner or later, someone isn't going to get the care they need (just look at the VA) or a doctor isn't going to get paid the total sum he charged (lowering costs through legislation). At the recipient level, how are those results any different than dealing with an insurance company?

There's the difference you can't grasp... The doctor (and nursing staff), under a single payer system is told what he is getting paid as a fixed salary - s/he doesn't get to set the bill for their services. The same for meds, equipment, auxilliary staff, maintenance etc etc.

Differences???
Insurance companies have to make a profit or they go bust.
Ergo: charges are increased to pay dividends and high salaries and maintain profit margins.
Single-payer doesn't need to make a profit and they have no shareholders to pay off.
They also, through sheer weight of size/numbers, are able to negotiate bigger discounts for equipment, meds and services.
Ergo: end results is better and cheaper for the same or better for the citizen. No middle-men.


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RE: Taking Insurance Companies Out of Healthcare - 10/10/2014 1:13:59 PM   
RottenJohnny


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quote:

ORIGINAL: Zonie63
But this proposal wouldn't involve using the government as a middle man.

I'm not criticizing this idea. I welcome it. It eliminates the nonsense and gets right to the point of paying the lowest costs for direct, quality care.


quote:


However, I would point out that the CEO of the US government earns considerably less than the CEO of United Healthcare. So, without having to pay the humongous salaries of do-nothing middle men, there should be enormous savings.

And how much more savings could we realize by eliminating a bunch more do-nothing legislative middlemen who still get paid humungous salaries?


quote:


As far as using "market forces" in healthcare, that would only work as long as it operates consistently with the principles of free market economics, but I don't see that happening any time soon.

I'll admit, that was a bit of a snipe. But my point in saying that was based on the observation of how other solutions outside the insurance industry and government spheres of influence are worth considering in order to reduce costs. And so far, I haven't seen it leading to a loss of quality care. That would be my one major concern.

_____________________________

"I find your arguments strewn with gaping defects in logic." - Mr. Spock

"Give me liberty or give me death." - Patrick Henry

I believe in common sense, not common opinions. - Me

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RE: Taking Insurance Companies Out of Healthcare - 10/10/2014 2:35:16 PM   
RottenJohnny


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Joined: 5/5/2006
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quote:

ORIGINAL: freedomdwarf1
There's the difference you can't grasp... The doctor (and nursing staff), under a single payer system is told what he is getting paid as a fixed salary - s/he doesn't get to set the bill for their services. The same for meds, equipment, auxilliary staff, maintenance etc etc.

How is that different from what I said?


quote:


Insurance companies have to make a profit or they go bust.
Ergo: charges are increased to pay dividends and high salaries and maintain profit margins.
Single-payer doesn't need to make a profit and they have no shareholders to pay off.

Governments are notoriously incapable of balancing budgets and saving money. Ergo, they continue to raise taxes, fees, and fines to pay for future debts. But it still equals more money out of your pocket.


quote:


They also, through sheer weight of size/numbers, are able to negotiate bigger discounts for equipment, meds and services.
Ergo: end results is better and cheaper for the same or better for the citizen.

Insurance companies do the same thing. But that can also be done in the private sector, perhaps through cooperative hospital groups or something similar. Around here, some doctors are working with the local Wal-Mart. You can walk in and get some medications absolutely free. No government, no insurance company required. Why is that an idea that is so unreasonable to pursue further?


quote:


No middle-men.

Sorry, FD. I just see that as more denial.


_____________________________

"I find your arguments strewn with gaping defects in logic." - Mr. Spock

"Give me liberty or give me death." - Patrick Henry

I believe in common sense, not common opinions. - Me

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RE: Taking Insurance Companies Out of Healthcare - 10/10/2014 3:01:22 PM   
freedomdwarf1


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quote:

ORIGINAL: RottenJohnny

quote:

ORIGINAL: freedomdwarf1
There's the difference you can't grasp... The doctor (and nursing staff), under a single payer system is told what he is getting paid as a fixed salary - s/he doesn't get to set the bill for their services. The same for meds, equipment, auxilliary staff, maintenance etc etc.

How is that different from what I said?

What you described was a different concept to single-payer.
All you did was not pay for insurance but instead paid for your healthcare directly.
From what you posted, the bill was almost halved if paid withing X days.
The difference is, single-payer starts at an even lower price - no profits in the price and probably subsidised.

quote:

ORIGINAL: RottenJohnny
quote:


Insurance companies have to make a profit or they go bust.
Ergo: charges are increased to pay dividends and high salaries and maintain profit margins.
Single-payer doesn't need to make a profit and they have no shareholders to pay off.

Governments are notoriously incapable of balancing budgets and saving money. Ergo, they continue to raise taxes, fees, and fines to pay for future debts. But it still equals more money out of your pocket.

I agree, never able to balance the books properly.
However, this is almost certainly due to fiscal cock-ups than money-grabbing greed for profits.
You posit that taxes fees and fines are raised to pay for said single-payer systems.
Our taxes have actually been lowered over the years.
Moreover, we don't have fees or fines - that is indicative of insurance-based systems, not single-payer.

quote:

ORIGINAL: RottenJohnny
quote:


They also, through sheer weight of size/numbers, are able to negotiate bigger discounts for equipment, meds and services.
Ergo: end results is better and cheaper for the same or better for the citizen.

Insurance companies do the same thing. But that can also be done in the private sector, perhaps through cooperative hospital groups or something similar. Around here, some doctors are working with the local Wal-Mart.

Then if they can do that, please explain why the US system is the most expensive in the world and yet only ranked #37 for performance??

As for some doctors colluding to help reduce costs, there's a huge chasm of difference between that and if the "collaboration" was national, incorporating all 200+ million adults of the US. The negotiated savings are colossal by comparison.

quote:

ORIGINAL: RottenJohnny
You can walk in and get some medications absolutely free. No government, no insurance company required.

Some meds... and in Walmart?
Try all meds, at every hospital, dispensing GP's, clinics and pharmacies.
And more recently, at almost every major supermarket outlet throughout the country.

quote:

ORIGINAL: RottenJohnny
Why is that an idea that is so unreasonable to pursue further?
quote:


No middle-men.

Sorry, FD. I just see that as more denial.

I see your vision as very limited and still run along the lines of profiteering greed.

My "denial", as you say, works in every country where they have single-payer systems.
They provide better care, better coverage, at a cheaper cost to the citizen... for life.


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RE: Taking Insurance Companies Out of Healthcare - 10/10/2014 4:12:29 PM   
DesideriScuri


Posts: 12225
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quote:

ORIGINAL: freedomdwarf1
quote:

ORIGINAL: Sanity
Yeah, lets put some lazy, overpaid fat assed government bureaucrats in charge of our health care
Endless red tape, no one to appeal to,, take a number, shut up, and be happy with the crappy service you must accept
Live the dream

If you had bothered to read the fucking post, he never mentioned the government at all.
He just mentioned cutting out the middle men and dealing direct with the hospitals.


Here's an issue for you: What happens if a Boeing worker is injured outside of the local hospital system? Will Boeing have to contract with every hospital system in the US to make sure their workers are covered?

My ex is an HR Manager. They are self-insured, so the only things they get for their premiums are the costs negotiated by the insurer (negotiated with the health providers), and a stop loss. This whole 80/20 split after you've met your deductible doesn't have anything to do with the insurer. Her employer pays the 80% and the covered person pays the 20%, until the out-of-pocket-max is reached. The employer then pays 100% up until the stop loss is met. With Distributors all over the country, they use an insurer that has a national reach.

Sorry, I have to add one more thing they get for their premiums: They don't have to negotiate the costs around the country. The insurer does that negotiation (they do have to negotiate with the insurance company over premium prices).


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RE: Taking Insurance Companies Out of Healthcare - 10/10/2014 4:31:25 PM   
freedomdwarf1


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quote:

ORIGINAL: DesideriScuri

quote:

ORIGINAL: freedomdwarf1
quote:

ORIGINAL: Sanity
Yeah, lets put some lazy, overpaid fat assed government bureaucrats in charge of our health care
Endless red tape, no one to appeal to,, take a number, shut up, and be happy with the crappy service you must accept
Live the dream

If you had bothered to read the fucking post, he never mentioned the government at all.
He just mentioned cutting out the middle men and dealing direct with the hospitals.


Here's an issue for you: What happens if a Boeing worker is injured outside of the local hospital system? Will Boeing have to contract with every hospital system in the US to make sure their workers are covered?

My ex is an HR Manager. They are self-insured, so the only things they get for their premiums are the costs negotiated by the insurer (negotiated with the health providers), and a stop loss. This whole 80/20 split after you've met your deductible doesn't have anything to do with the insurer. Her employer pays the 80% and the covered person pays the 20%, until the out-of-pocket-max is reached. The employer then pays 100% up until the stop loss is met. With Distributors all over the country, they use an insurer that has a national reach.

Sorry, I have to add one more thing they get for their premiums: They don't have to negotiate the costs around the country. The insurer does that negotiation (they do have to negotiate with the insurance company over premium prices).


You have a valid point.
But I'm willing to bet the Boeing workers would be covered by their employers regardless of where the care was needed.

What I have to question is: at what cost are the insurance companies providing that negotiation??
You can bet your bottom dollar they won't lose any money providing that service - they'll charge the client through the nose for that privilege/convenience, and then some (profits first!).
In single-payer systems, it is always free at the point of delivery; regardless of where you are in the country or what your social position is.


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RE: Taking Insurance Companies Out of Healthcare - 10/10/2014 5:36:49 PM   
Kaliko


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quote:

ORIGINAL: Musicmystery

Single payer is the path. Everyone knows it. We're just not done squeezing the extra profit out yet.

The "American way."



I am watching Vermont with interest and envy.

(in reply to Musicmystery)
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RE: Taking Insurance Companies Out of Healthcare - 10/10/2014 6:23:38 PM   
Sanity


Posts: 22039
Joined: 6/14/2006
From: Nampa, Idaho USA
Status: offline
quote:



Vermont's Single-Payer Dream Is Taxpayer Nightmare...


...Now comes the big challenge: paying for it. Act 48 required Vermont to create a single-payer system by 2017. But the state hasn’t drafted a bill that spells out how to raise the approximately $2 billion a year Vermont needs to run the system. The state collects only $2.7 billion in tax revenue each year, so an additional $2 billion is a vexingly large sum to scrape together.

http://www.bloombergview.com/articles/2014-04-11/vermont-s-single-payer-dream-is-taxpayer-nightmare



Yay Vermont

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RE: Taking Insurance Companies Out of Healthcare - 10/11/2014 7:04:42 AM   
mnottertail


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It seems to me, whether you pay $350 to Blue Cross/ Blue Shield a month with a personal check, or it is removed from your paycheck and paid, the money is the same and its gone the same. And you save a $0.45 stamp, envelope both ways.

I don't follow the logic of the untutored excluded middle arguments of nutsuckers.

< Message edited by mnottertail -- 10/11/2014 7:06:13 AM >


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