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The Basement
Chrysler paid....
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<blockquote data-quote="John Roberts" data-source="post: 31017" data-attributes="member: 126"><p>Re: Chrysler paid....</p><p></p><p> </p><p>Bzzt... It's actually worse than that... </p><p></p><p>The insurance companies negotiate preferential rates with hospitals and providers so it's the sorry pukes like me who choose to go without insurance who really get raped if and when we try to buy some services. </p><p></p><p>I got a MRI a few years ago and I estimate I paid 4-5x what it would have cost, had I travelled to different state where there was still some competition (based on looking at advertised rates on the internet). Surely the insurance company doesn't pay what I paid. </p><p> </p><p>The entire world has been hit by a similar demographic (aging population), and new mitigations against late life afflictions, that wildly increase health care costs. The socialized health care in other countries are under similar cost pressures, resulting in cut backs in services and different strategies to ration care. It's like that old joke about the eggs costing more if they actually had them... We can get you free healthcare you just need to get on this list and wait.</p><p></p><p>We already have the worst of single payer, with insurance companies taking the patient out of most pricing decisions with drug companies blunting the few that are still present (prescription costs). We should probably make it harder for drug companies to pay down the patient's share of any prescription co-pays, as that blunts the insurance company attempts to inject some market pricing discipline into those patient decisions. </p><p></p><p>We have a classic resources distribution issue.. Historically free markets are the fairest and most efficient way to allocate limited resources. We do not have a free market now, and the government operating it as a non-proft does not mean they will be more efficient than the for-proft insurance companies. just look at the difference between UPS, FEDEX, and the post office, (Note the post office lost $8.5B last year). </p><p> </p><p>Health care insurance should be just like car insurance... If we have some extraordinary health event, the insurance kicks in, but routine sniffles and the like should be paid for out of pocket Millions of patients actually buying their own healthcare per event would create a competitive marketplace response. </p><p></p><p>Private companies that self insure can purchase insurance for extraordinary events/years. Consumers don't have as many options. </p><p></p><p></p><p>I am not optimistic that the government left to their own devices can fix anything..we need to continue the recent adjustments, but we can only fire 1/3rd of them every two years. There is more work left undone. </p><p></p><p>“That government is best which governs least;” Thoreau</p><p></p><p>JR</p></blockquote><p></p>
[QUOTE="John Roberts, post: 31017, member: 126"] Re: Chrysler paid.... Bzzt... It's actually worse than that... The insurance companies negotiate preferential rates with hospitals and providers so it's the sorry pukes like me who choose to go without insurance who really get raped if and when we try to buy some services. I got a MRI a few years ago and I estimate I paid 4-5x what it would have cost, had I travelled to different state where there was still some competition (based on looking at advertised rates on the internet). Surely the insurance company doesn't pay what I paid. The entire world has been hit by a similar demographic (aging population), and new mitigations against late life afflictions, that wildly increase health care costs. The socialized health care in other countries are under similar cost pressures, resulting in cut backs in services and different strategies to ration care. It's like that old joke about the eggs costing more if they actually had them... We can get you free healthcare you just need to get on this list and wait. We already have the worst of single payer, with insurance companies taking the patient out of most pricing decisions with drug companies blunting the few that are still present (prescription costs). We should probably make it harder for drug companies to pay down the patient's share of any prescription co-pays, as that blunts the insurance company attempts to inject some market pricing discipline into those patient decisions. We have a classic resources distribution issue.. Historically free markets are the fairest and most efficient way to allocate limited resources. We do not have a free market now, and the government operating it as a non-proft does not mean they will be more efficient than the for-proft insurance companies. just look at the difference between UPS, FEDEX, and the post office, (Note the post office lost $8.5B last year). Health care insurance should be just like car insurance... If we have some extraordinary health event, the insurance kicks in, but routine sniffles and the like should be paid for out of pocket Millions of patients actually buying their own healthcare per event would create a competitive marketplace response. Private companies that self insure can purchase insurance for extraordinary events/years. Consumers don't have as many options. I am not optimistic that the government left to their own devices can fix anything..we need to continue the recent adjustments, but we can only fire 1/3rd of them every two years. There is more work left undone. “That government is best which governs least;” Thoreau JR [/QUOTE]
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