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The Great ObamaCare Debate, Part 237: Back to Court The Great ObamaCare Debate, Part 237: Back to Court

12-06-2011 , 04:49 PM
Quote:
Originally Posted by NMcNasty
I don't believe in dental insurance. If you have a bit of money saved up in case of a catastrophic event, then its easy to recognize that due to the cost of administration and the fact that insurance companies profit off of you makes it a -EV bet in both nominal and utility dollars.

Unfortunately however there's a problem that keeps me from simply dodging the issue of dental insurance. Insurance companies make deals with dental offices behind closed doors that dictate the amount the company and the patient will pay for certain procedures. The problem is that this combined amount is usually going to be less than what an office ideally wants to charge. The office is usually ok with this because it brings in a large group of new customers, but to make up for the fact that it doesn't get what it wants from insured customers it charges uninsured customers more.

So unfortunately it creates a situation in which the size and power of the insurance companies screws over the uninsured. This situation alone may turn insurance into a +EV bet for me, but obviously there are plenty of factors to consider.
My dentist charges those without insurance who pay themselves a lower rate. No middleman.
12-06-2011 , 04:59 PM
Quote:
Originally Posted by renodoc
Shifting millions of Americans into medicaid or some other type of government supported plan rather than the employer provided insurance they now have?
The what now? I mean, how did it even make sense in you head that people WITH JOBS THAT HAVE HEALTH INSURANCE would end up on Medicaid?


Quote:
This is still up for debate?
Honestly I don't even think your argument is a chain email or talk radio thing, it's new to me and I tend to keep up with those things. What happened, I suspect, is that Glenn Beck started fear mongering the olds about that Obama trying to take aware your doctor, and then you didn't hear anything about it for a while... so you assumed that whatever Glenn Beck was scared of probably happened.

Last edited by FlyWf; 12-06-2011 at 05:05 PM.
12-06-2011 , 05:01 PM
Quote:
Originally Posted by renodoc
Shifting millions of Americans into medicaid or some other type of government supported plan rather than the employer provided insurance they now have?

This is still up for debate?
2/3 of America is fat. Why should the other 1/3 subsidize them?

We can't afford medicaid. My mother's roommate(only two years older than I) in a nursing facility was a medicaid patient. It was her 22nd time she had been admitted. If every American consumed health care like her, America would have been broke decades ago.
12-06-2011 , 05:02 PM
Quote:
Originally Posted by renodoc

So, new patient in my office for about 90 minutes. Gets some tests done and sees two doctors.

How much should I get paid for seeing this patient?
How the **** should I know?

Quote:
How much will I get paid for seeing this patient?
Probably too much, but again, how the **** should I know? Whatever you negotiate with her or her payor.

Are you seriously trying to make a "woe is the poor doctor who voluntarily accepts a fee" point here?
12-06-2011 , 05:10 PM
Quote:
Originally Posted by NMcNasty
I don't believe in dental insurance. If you have a bit of money saved up in case of a catastrophic event, then its easy to recognize that due to the cost of administration and the fact that insurance companies profit off of you makes it a -EV bet in both nominal and utility dollars.

Unfortunately however there's a problem that keeps me from simply dodging the issue of dental insurance. Insurance companies make deals with dental offices behind closed doors that dictate the amount the company and the patient will pay for certain procedures. The problem is that this combined amount is usually going to be less than what an office ideally wants to charge. The office is usually ok with this because it brings in a large group of new customers, but to make up for the fact that it doesn't get what it wants from insured customers it charges uninsured customers more.

So unfortunately it creates a situation in which the size and power of the insurance companies screws over the uninsured. This situation alone may turn insurance into a +EV bet for me, but obviously there are plenty of factors to consider.
A number of years ago I had a small surgical procedure done (was in and out of the hospital in a few hours). My insurance was charged 4k, of which i paid around 1.5k. At first i thought to myself i would have been fine without insurance even for needing this random super small chance of happening procedure out of the blue. Then somehow the doctors billing sent me a pre insurance deal breakdown of the procedure, it was 23k. wtf? so 23k for the same **** for someone without insurance, my private insurance gets it for 4k, how is this legal?

What other industry does being a part of a business group allow you to get such massive discounts? It's like if all of sudden having aaa membership allowed you to get most $500 a night hotel rooms for 40 bucks while every other schmuck has to pay $500 a night... It's absurd.
12-06-2011 , 05:13 PM
If you're paying out of pocket you won't be charged that price.
12-06-2011 , 05:21 PM
Quote:
Originally Posted by jogsxyz
The U.S. pays twice as much as any other country for health care. Let's eliminate as many parasites as possible. Medicine is a fine art, not an exact science. We can't afford the trial lawyers and high level insurance execs.
First, I'm an expert in PPACA and the healthcare system overall so please ask me anything.

Second, the reason HC is so expensive in this country has almost nothing to do with insurance executives. Depending on your affiliation - individual, small firm, large firm, insurance companies make a varying amount of profit off of you. While it can be high in the individual mkt, overall insurance profits are very low and net to the system overall, its a benefit given the amount of care restricted.

Litigation is a problem - the direct costs are not as big as you would think. However, the threat of litgation causes doctors to overtest for every little thing. In addition, HC in most settings is reimbursed based on services performed thus incentivizng doctors to do more. This is the far bigger cost.

The biggest variable is that many other developed nations have socialized systems which is why HC spending is so much lower there. Essentially the US is subsidizing the rest of the world. This is well documented.

Last edited by Yowserrrs; 12-06-2011 at 05:37 PM.
12-06-2011 , 05:25 PM
Quote:
Originally Posted by Fedorfan
A number of years ago I had a small surgical procedure done (was in and out of the hospital in a few hours). My insurance was charged 4k, of which i paid around 1.5k. At first i thought to myself i would have been fine without insurance even for needing this random super small chance of happening procedure out of the blue. Then somehow the doctors billing sent me a pre insurance deal breakdown of the procedure, it was 23k. wtf? so 23k for the same **** for someone without insurance, my private insurance gets it for 4k, how is this legal?

What other industry does being a part of a business group allow you to get such massive discounts? It's like if all of sudden having aaa membership allowed you to get most $500 a night hotel rooms for 40 bucks while every other schmuck has to pay $500 a night... It's absurd.
Isn't this just an extreme version of the kinds of things Sams Club and BJ's Wholesale Warehouse do? Bulk purchases = savings
12-06-2011 , 05:33 PM
Quote:
Originally Posted by jogsxyz
2/3 of America is fat. Why should the other 1/3 subsidize them?
I agree with what your getting at here, but at the very least I think government could provide absolutely free regular checkups without an insurance middleman. That way if an obese chain-smoker came in the doctor could slap them around a few times and perhaps that person wouldn't be a drain on the system in the future.
12-06-2011 , 05:37 PM
Quote:
Originally Posted by EricLindros
Isn't this just an extreme version of the kinds of things Sams Club and BJ's Wholesale Warehouse do? Bulk purchases = savings
Yup.

It's also the same thing hotels do. Check out the price of the room that's posted on the door. It's almost always a ridiculous number like $750. How many people pay that price? Almost zero - but by posting that number they reserve the right to legally charge it at some point.
12-06-2011 , 05:39 PM
Ill make the question easier.

Should i be paid at all for seeing the pt i described?
12-06-2011 , 05:42 PM
Quote:
Originally Posted by NMcNasty
I agree with what your getting at here, but at the very least I think government could provide absolutely free regular checkups without an insurance middleman. That way if an obese chain-smoker came in the doctor could slap them around a few times and perhaps that person wouldn't be a drain on the system in the future.
The reality though is that those fat chain-smokers tend to die young, so in a lot of cases they're actually cheaper than a healthy person who lives into their 90s.
12-06-2011 , 05:42 PM
Quote:
Originally Posted by dinopoker
The reality though is that those fat chain-smokers tend to die young, so in a lot of cases they're actually cheaper than a healthy person who lives into their 90s.
lol wrong.
12-06-2011 , 05:47 PM
Yeah, that sounds ridiculous. Even if it were true from an absolute value point of view (which I doubt) - it's certainly not true when you account for people that live longer paying more in taxes/premiums/whatever.

I'll prepare to be proved wrong with a source though.
12-06-2011 , 05:47 PM
Quote:
Originally Posted by dinopoker
The reality though is that those fat chain-smokers tend to die young, so in a lot of cases they're actually cheaper than a healthy person who lives into their 90s.
Actually I did read an article somewhere that obesity is pretty close to being a wash for healthcare costs since fat people tend to die of heart-attacks which kill you pretty quickly.

That is utterly not true of cancer patients though.
12-06-2011 , 05:48 PM
Quote:
Originally Posted by renodoc
Ill make the question easier.

Should i be paid at all for seeing the pt i described?
Seriously, I don't know what you're arguing here. No one is saying that doctors shouldn't be paid, and paid well. The crux of the Obamacare argument is whether the government should be allowed to regulate the health insurance market to guarantee that everyone in the country gets care, and/or whether it can mandate that all citizens purchase some kind of coverage. Doctors' salaries are a different issue.
12-06-2011 , 05:53 PM
Quote:
Originally Posted by jjshabado
Yeah, that sounds ridiculous. Even if it were true from an absolute value point of view (which I doubt) - it's certainly not true when you account for people that live longer paying more in taxes/premiums/whatever.

I'll prepare to be proved wrong with a source though.
Well to be honest it was something I heard from a couple of cardiologists while listening to Doctor Radio, so it could easily be wrong. I don't think it would surprise me either way.
12-06-2011 , 06:50 PM
Quote:
Originally Posted by NMcNasty
I don't believe in dental insurance. If you have a bit of money saved up in case of a catastrophic event, then its easy to recognize that due to the cost of administration and the fact that insurance companies profit off of you makes it a -EV bet in both nominal and utility dollars.

Unfortunately however there's a problem that keeps me from simply dodging the issue of dental insurance. Insurance companies make deals with dental offices behind closed doors that dictate the amount the company and the patient will pay for certain procedures. The problem is that this combined amount is usually going to be less than what an office ideally wants to charge. The office is usually ok with this because it brings in a large group of new customers, but to make up for the fact that it doesn't get what it wants from insured customers it charges uninsured customers more.

So unfortunately it creates a situation in which the size and power of the insurance companies screws over the uninsured. This situation alone may turn insurance into a +EV bet for me, but obviously there are plenty of factors to consider.
I agree with this. Dentists/ins. cos have been running the silver/white filling scam for a long time now. Ins. co only covers silver fillings, no one gets silver fillings anymore, dentist makes some extra $$. I really don't mind this one actually as it keeps dentists afloat, and puts some reasonable financial burden on the insured - as there should be with all medical visits and procedures.
12-06-2011 , 06:52 PM
Quote:
Originally Posted by renodoc
Ok Sarah Palin.
12-06-2011 , 08:14 PM
Quote:
Originally Posted by dinopoker
Seriously, I don't know what you're arguing here. No one is saying that doctors shouldn't be paid, and paid well. The crux of the Obamacare argument is whether the government should be allowed to regulate the health insurance market to guarantee that everyone in the country gets care, and/or whether it can mandate that all citizens purchase some kind of coverage. Doctors' salaries are a different issue.
Modern US government definitely artificially increases doctor compensation compared to a hypothetical libertarian wonderland.

Licensing requirements, special medical malpractice rules, and they fund care for old and poor people who would otherwise not be able to pay. Plumbers maybe get state enforced licensure, but that's it.

Like, I'm kinda interested in where renodoc is going with this. I'm 99% sure it's just another unbelievably callous and oblivious bout of him whining about how while his life is really good it could be better if the government gave him more money for doing the same amount of work he currently does. Maybe he's got something even better planned for us?
12-06-2011 , 09:04 PM
Sheesh. Either govt isn't jacking prices to the moon or it's ruining Renodoc's life with draconian Medicare price cuts. Can govt ever get anything right?
12-06-2011 , 09:43 PM
Of course not, that's why it shouldn't exist.
12-06-2011 , 10:14 PM
I get paid nothing if I can't find anything wrong with this healthy woman.

Obamacare fixes this, right?
12-06-2011 , 10:27 PM
Quote:
Originally Posted by renodoc
I get paid nothing if I can't find anything wrong with this healthy woman.

Obamacare fixes this, right?
Fixes what? Obamacare is health insurance reform, it's not going to make your toast always land butter side up.

Negotiate a better fee structure if you find your current arrangement unacceptable.

P.S.
Quote:
Originally Posted by me, about where renodoc was going with this story
I'm 99% sure it's just another unbelievably callous and oblivious bout of him whining about how while his life is really good it could be better if the government gave him more money for doing the same amount of work he currently does.
Boys, never doubt that I have my finger directly on the pulse of Real America.
12-06-2011 , 10:41 PM
Quote:
Originally Posted by dinopoker
Get cancer or heart disease and get back to us on that.


(Actually please don't get either, just look up the costs associated with both. Hell look up the cost of having your appendix removed.)
Already made to medicare age. Was once sick for 36 hours.
Much cheaper to pay to have appendix removed than to pay 65 years of health insurance.

      
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