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Political Threads This section is for Political Threads - Enter at your own risk. If you say you don't want to see what someone posts - don't read it :hihi:

 
 
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Old 05-11-2018, 12:04 PM   #1
PaulS
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Med trend will average about 6.5% and RX trend will average about 11.3%.
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Old 05-12-2018, 04:03 AM   #2
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until it changes back to a non profit model ... its going to go up its not about taking care of Americans its about making money and if your priced out the usual suspects will blame the sick person not the system.. or you hope to make it 65 where your insurance will bounce you back to the government because you cost to much ...
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Old 05-12-2018, 09:13 AM   #3
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until it changes back to a non profit model ... its going to go up its not about taking care of Americans its about making money and if your priced out the usual suspects will blame the sick person not the system.. or you hope to make it 65 where your insurance will bounce you back to the government because you cost to much ...
Define "profit." Then tell us when health care here was non profit.
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Old 05-12-2018, 10:51 AM   #4
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until it changes back to a non profit model ... its going to go up its not about taking care of Americans its about making money and if your priced out the usual suspects will blame the sick person not the system.. or you hope to make it 65 where your insurance will bounce you back to the government because you cost to much ...
Profit margins among health insurers are around 6-7%. Not a big deal. Seeking profit provides a good incentive to avoid expensive waste, something that the public sector could stand a lesson on.
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Old 05-14-2018, 08:04 AM   #5
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Profit margins among health insurers are around 6-7%. Not a big deal. Seeking profit provides a good incentive to avoid expensive waste, something that the public sector could stand a lesson on.
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That is profit not including the costs that physicians incur to count beans for insurance companies. When my brother closed his practice he had himself, a nurse practitioner, several rns and 6 people dealing with paperwork. Now the 6 people dealing with paperwork do not improve healthcare outcomes, and they are a cost.
Shuffling paper and counting beans makes insurance companies money 6-7% of all the paper they shuffle, and beans they count.

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Old 05-14-2018, 08:39 AM   #6
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That is profit not including the costs that physicians incur to count beans for insurance companies. When my brother closed his practice he had himself, a nurse practitioner, several rns and 6 people dealing with paperwork. Now the 6 people dealing with paperwork do not improve healthcare outcomes, and they are a cost.
Shuffling paper and counting beans makes insurance companies money 6-7% of all the paper they shuffle, and beans they count.

I setup and fix those medical / practice management systems and the continual changes and updates that must be applied just for regulatory changes cost thousands per year at the practice level. Would be good to simplify that small cost of a business. There are a lot of hoops the practice runs thru just to formulate the paperwork to the INS co's whims and desire.

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Old 05-12-2018, 10:49 AM   #7
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Med trend will average about 6.5% and RX trend will average about 11.3%.
That’s about right Paul.

We need some kind of pooling of risk to get healthy people into the system, for damn sure we need tort reform, not sure what else can help. This is the downside of increased life expectancy, combined with the demographic effect of the baby boomers. We will have huge numbers if old people, who can live into their late 90s but will need care and expensive drugs. Going to be a massive problem, no easy solution.
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Old 05-12-2018, 11:11 AM   #8
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We need some kind of pooling of risk to get healthy people into the system,
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We had that, it was called the individual mandate, it was a Republican idea. Trump repealed it because it was passed under Obama.
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Old 05-12-2018, 11:18 AM   #9
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We had that, it was called the individual mandate, it was a Republican idea. Trump repealed it because it was passed under Obama.
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Except it didn’t work. So we didn’t really have it. Too many opted out. We increased coverage, covered more people, covered more health events for more people, but didn’t get sufficient numbers of healthy people.

I have a liberal view on this. No one chooses to be born healthy, no one chooses to be born with lifelong health issues, so the proper thing is to pool the risk. We’re all in that together. No one should struggle financially for their entire life because they were born with a terrible illness. It’s bull#^&#^&#^&#^&.
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Old 05-12-2018, 12:44 PM   #10
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Except it didn’t work. So we didn’t really have it. Too many opted out. We increased coverage, covered more people, covered more health events for more people, but didn’t get sufficient numbers of healthy people.
That's just not true. Numbers of uninsured plummeted to historic lows and near the CBO estimates. The issues had more to do with Republican led states denying the exchanges and more recently Trump gutting Federal funding. In states where it was embraced it was actually working nearly according to plan. Not perfect but heading in the right direction.
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Old 05-12-2018, 01:51 PM   #11
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That's just not true. Numbers of uninsured plummeted to historic lows and near the CBO estimates. The issues had more to do with Republican led states denying the exchanges and more recently Trump gutting Federal funding. In states where it was embraced it was actually working nearly according to plan. Not perfect but heading in the right direction.
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Old 05-12-2018, 05:48 PM   #12
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That's just not true. Numbers of uninsured plummeted to historic lows and near the CBO estimates. The issues had more to do with Republican led states denying the exchanges and more recently Trump gutting Federal funding. In states where it was embraced it was actually working nearly according to plan. Not perfect but heading in the right direction.
"That's just not true."

Yes it is true. Costs skyrocketed because not enough healthy young people signed up. Sick people signed up in huge numbers, healthy people paid the fine and self-insured. That's why it failed miserably.
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Old 05-14-2018, 10:38 AM   #13
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"That's just not true."

Yes it is true. Costs skyrocketed because not enough healthy young people signed up. Sick people signed up in huge numbers, healthy people paid the fine and self-insured. That's why it failed miserably.
Jim, you're just making thing up again. Uninsured among young adults dropped more than any other age group. Of course with Trump's changes this could change dramatically.

Makes a lot of sense to break something people depend on without any alternate plan.
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