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Post 06 Jun 2011, 9:15 am

It's enough to keep up with just me.
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Post 06 Jun 2011, 9:19 am

rickyp wrote:from Steve's quotation:
The liberals' plan is that when Medicare does crash, the market for medical services will be so distorted and so government-driven that it will be too late for any alternative except socialized medicine.


See, this is remarkable. Medicare IS socialized medicine. And yet your author and apparently you strongly insist it isn't...
Why? Because Medicare is popular...


Meh. It's popular because it's a ponzi scheme for the aged and the young are relatively ignorant of this fact. Old folks feel they are "entitled" to it because they "paid for it." Of course, that's nonsense. They "paid" for someone else and now insist on their children and grandchildren paying for them. The problem is that increasing medical costs can only be borne by a rapidly increasing population, which we don't have.

Medicare costs are out of control but then so are all US health care costs... Medicare is hit a little faster because the group it serves use more medical services.


There are other reasons. Because the government limits fees for services, providers give unneeded services to increase fees generated. It is a wasteful, dumb system. In that sense, yes, it's socialism, but it's not in this sense: pure socialism would just have the government providing without any fees to doctors--because they would be on the government payroll too.

Again the point is Tom and Steve, that when the same medical procedures and the same pharmaceuticals that you use in the SU are 40% more costly than they are in France or 30% more costly then they are in Canada you've got a system that isn't working. (There is no cost control. )
Obama has entered into some measures that will incrementally bring in cost controls but he can validly be criticized for not going far enough.


Simplistic. The government cannot simply "control" prices without unintended consequences.

Now Tom. Do Americans want Medicare when they reach 55?


I don't.

Then again, I don't want to bankrupt the country. Apparently, Democrats do. They are pledging "no changes to Medicare." How does that work when the program is going broke?
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Post 06 Jun 2011, 9:29 am

This is an op-ed, but it contains many indisputable facts:

Let’s start with “Medicare as we know it.” According to the Congressional Budget Office and Medicare’s trustees, the program has a long-term unfunded liability of more than $30 trillion. It’s about a decade from insolvency. The trustees’ latest annual report, released on May 13, notes that the Medicare trust fund is projected to run out of money five years sooner than was projected last year. Its current trajectory would swallow up the federal budget. Taxes could not be raised high or fast enough to keep up with its growth without crushing the economy. “Medicare as we know it” is not an option. Leaving Medicare alone means it simply won’t be there for future seniors. The question is how to reform the program in order to save it.

The Democrats cannot deny the figures, but their solution is to let the crisis come. President Obama’s budget offered nothing beyond Obamacare as a solution. Of course, the effects of Obamacare are already accounted for in the latest actuarial projections, since Obamacare is current law. Indeed, in an extraordinary letter affixed to the recent trustees’ report, Medicare’s chief actuary noted that Obamacare’s approach to the program—price controls determined by a board of experts and devoid of market-based reforms that could help health care providers improve their efficiency—would actually exacerbate Medicare’s troubles.

The Republican budget offers precisely such market-based reforms. It proposes not just to reduce the growth rate of Medicare spending, but to introduce consumer pressures into the system that would create financial incentives for providers to work more efficiently and reduce the growth of the health care costs that are at the heart of the problem.

Right now, Medicare pays all providers the same price for a given service—regardless of quality, efficiency, outcome, the cost to the provider, or patient satisfaction. Medicare recipients play no part in determining who gets paid and how much, and have no sense of what their health care costs. Providers have no financial incentive to deliver better care at lower prices. And price controls that would reduce what Medicare pays per service (the Obamacare solution) would only create an incentive for providers to supply a greater volume of services to make up the difference. That is exactly what price controls have done in the past—drive efficiency down and costs up.

The House Republican proposal would change Medicare’s counterproductive design. It would leave today’s seniors and those now 55 or older in the current system, since they have planned their retirements around it. But everyone younger than that would join a redesigned Medicare when they retire. Rather than pay all providers a set fee directly, seniors would use the money (in the form of a premium support payment that would start at current Medicare rates and grow with inflation) to choose insurance plans from a menu of guaranteed private coverage options. Poor seniors and those in the worst health would get significantly greater support, while the wealthiest would receive less. And seniors would be buying guaranteed insurance with limits on out of pocket costs, not paying directly for care. Sebelius’s notion that they would simply “run out” of money if they got sick is nothing more than fear-mongering.

Insurers and providers would compete for seniors’ dollars. They would be free to find innovative ways to offer better quality at lower costs. That’s how markets produce efficiency: by letting sellers find ways to offer buyers what they want at prices they want to pay.

Everyone agrees that such efficiency improvements are essential. As Ryan has put it, the basic choice offered by the parties’ competing approaches to Medicare has to do with how efficiency is achieved. It’s a choice between giving a board of experts the power to deny care to seniors based on its magisterial judgment of quality and value, and giving seniors the power to deny business to providers based on their individual opinions and priorities.

In principle, therefore, this is a choice between markets and central planning, which should no longer be hard to make. In practice, it is a choice between modernizing Medicare to allow it to continue providing seniors with health security in retirement and letting the program collapse under its own weight.


As an American, I'm not willing to push my responsibility for my healthcare onto future generations. Democrats are willing to let a train wreck happen. That's not merely demagoguery. It's evil.
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Post 06 Jun 2011, 11:36 am

theodorelogan wrote:Those people are why we have charity wards. They can rely on their families, friends, church, etc for help. Just because an insurance company won't pay for your surgery doesn't mean you have no options.
And if they have no family, and the local charity ward is full? What options remain then?

You deny them their treatment everyday when you choose not to hand over all of your money to pay for the treatment of people who can't afford it. How do you feel about it?
Bzzt! Hyperbole alert! 'all of your money'? What's the actual amount of tax people usually pay as a proportion of their money?

Maybe they wouldn't do that if there were some actual consequences. Like, getting sick and having $100,000 in debt because of it.
Yeah. That'll show those sickies for catching a disease.


Society doesn't make calls.
Not in your universe. In ours they do via this thing called democracy. Oh, yeah, you hate that stuff.

Give me an example of a society making a decision, and I'll show you the individuals who actually decided.
[/quote]Norway deciding to become independent from Sweden. You may claim it was 'individuals' who voted almost unanimously in the plebiscite, but collectively it was virtually all of Norway.
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Post 06 Jun 2011, 4:02 pm

from Steve's article
Everyone agrees that such efficiency improvements are essential. As Ryan has put it, the basic choice offered by the parties’ competing approaches to Medicare has to do with how efficiency is achieved. It’s a choice between giving a board of experts the power to deny care to seniors based on its magisterial judgment of quality and value, and giving seniors the power to deny business to providers based on their individual opinions and priorities

right. Undeniable facts...More like false choices.
What your author conveniently neglects to point out is that the current health system has clearly indicated that the kinds of market choices that affects the prices of other services and commodities is virtually unfelt in the market for medical services.
Seniors who are sick are faced with only a choice of which service... If the services near them are unwilling to compete on price, eventually the seniors have to choose a high price service. Why? becasue staying out of the market is not an option. (Unless choosing to die instead of getting treatment counts as an option) The free market does not work in medical services becasue the market demand is effectively inelastic.
His author also doesn't mention the methods that can be used to reduce costs within a health care system outside of denial of service.
New Zealands' health service pays about a quarter the price of drugs that the US consumer does . Why? The negotiate collectively.
Same in other markets.
In other markets there is a negotiated price with the suppliers for the service. Above that price, a service can bill the insurance system ... Now that seems entirely negtive, but actually the amount of bad debt and disputed fees in the US system indidicates that there would be benefits for many suppliers. Also the cost of administration is as much as 5 times lower in national insurance plans. So hospitals and doctors have lower administration costs and can therefore absorb lower fees that currently only cover the overhead of the red tape in the private market.....
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Post 06 Jun 2011, 4:09 pm

So, Tom, I guess you're okay till you loose your job? Then what?

Its disingenuous to rule out from a comparison of service provided and waiting time if you don't include those who wait forever because they can't pay or get charity. The portion of Americans who receive health care benefits at work decreases every year. In part becasue the high cost of insurance is an incredible burden on businesses.... A cost which serves to make American business less comeptitive.
You see how tieing health care into work both deprives your populace and hinders your business community?
Most businesses would love to get rid of the requirement to provide and compete on health benefits... A national health insurance plan would be pro-business and protect you and your family when you loose your job for spending too much time on redscape.
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Post 07 Jun 2011, 7:56 am

rickyp wrote:fUndeniable facts...More like false choices.
What your author conveniently neglects to point out is that the current health system has clearly indicated that the kinds of market choices that affects the prices of other services and commodities is virtually unfelt in the market for medical services.


Why do you persist in this untruth? You act as if the current system is a "free" market. Are there not a myriad of regulations and restrictions imposed by the government? Why do you insist on blaming the highly-regulated market instead of the government that promulgates the restrictions?

New Zealands' health service pays about a quarter the price of drugs that the US consumer does . Why? The negotiate collectively.


Please prove, rather than just stating, that everything in the NZ drug market is the same as ours (same availability, etc.) with the singular exception of collective purchasing power.

The "fiscal conservative" argues for socialism . . . yet again. How odd :no:
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Post 07 Jun 2011, 1:11 pm

Great news about Obamacare: it's going to cost more, a lot more, than originally thought!

The more a company knows about coming changes to the nation’s health care laws, the more likely it is to consider radically restructuring the way it provides insurance to employees, according to a study by the consulting firm McKinsey and Co.

The study, which is being circulated among Republicans, predicts that as many as 30 percent of companies will stop offering health insurance benefits, reduce the level of benefits, or offer benefits only to certain employees. If this prediction holds, the number of Americans who could see changes to their health insurance would be far more than the 9 million to 10 million estimated by the Congressional Budget Office.

That means that the cost of subsidizing plans for those people—about $19 billion a year, according to the CBO—could more than triple. And, if the report's predictions are borne out, many Americans would lose their health insurance.

The study contradicts at least three others predicting that reform will have a negligible effect on employer-sponsored insurance. A Rand study finds the number of employees who would lose insurance to be “small,” and the Urban Institute believes that the percentage “would not differ significantly.”

“History has shown that reform motivates more businesses to offer insurance,” said an administration health care expert who read the study at National Journal’s request. “Health reform in Massachusetts uses a similar structure, with an exchange, a personal responsibility requirement, and an employer responsibility requirement. And the number of individuals with employer-sponsored insurance in Massachusetts has increased.”

In first selling the plan to Congress, President Obama said that “no one” who liked their current plan would be dumped into a subsidized insurance market by their employers. But his language changed once it became clear that some employers would find it cheaper in the new system to not offer health benefits at all.


Well, I guess we HAD to pass it to find out what was in it.

Now, can we repeal it?
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Post 08 Jun 2011, 6:07 am

Ricky, I have repeatedly said the US health care system is broken. I have even stated I am warming more and more to a universal health care system. However, I am not very eager to scrap my good coverage to get lesser coverage and be happy about it because now the poor are covered. That is the problem, you have millions like me, we have better care than in most other countries and while we know the system is broke and we don't WANT to see the poor getting screwed over, we also know our own selves come first. Selfish maybe but that's the score. This current Obamacare plan is a stupid foolish "plan" and is no real plan at all. Never did I say we should tie health care to business, Never did I say I liked our current system, yet here you are making claims that I said things never said.
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Post 08 Jun 2011, 6:38 am

steve
Why do you persist in this untruth? You act as if the current system is a "free" market. Are there not a myriad of regulations and restrictions imposed by the government? Why do you insist on blaming the highly-regulated market instead of the government that promulgates the restrictions
?

First, I said the current system demonstrates that the markets pressures required don't exist in the health sector. I didn't claim your current system was a free market. I said it doesn't function as such and that it provides evidence that there is no genuine free market system in an area where the market for serices is essentially inelastic. (You understand the requirement for demand elasticity in a market for price to become a competititve lever?)
In what way Steve is a current consumer of health services regulated out oof "going shopping" for cheaper health services or cheaper insurance?
They don't do it. It doesn't happen. But not because there are regulations that stop them from doing so.
The new plan offered up by the republicans provides a consumer with a level of funds to provide for their care. But if they can't meet their needs in a given year they need to use their own funds. Somehow its beleived that this will force seniors to go shopping for cheaper health care. (The "faith in the markets")
It would be interesting if you could provide evidence anywhere that a senior would leave their doctor for a cheaper doctor. Thye would leave behind a medial practioneer they've used for years in order to get a small discount from an unknown ?
This "faith" in the markets demonstrates absolutely no "faith" in human nature.
There is of course evidence that there is a potential for real price competition in pharmeceuticals. Seniors taking bus trips to Canada to buy medicine. Here you are absolutely right. Your current system is entirely too regulated. In the favour of Big Pharma.
A real free marketer would allow the reimportation of drugs in order to allow seniors to shop. Whats the republican (or democratic) stand on that Steve? That would be an immediate use of the competitive pressure of a free market. (Do you really need links to articles on drugs being cheaper all around the world in oerder to understand that corporations have fixed prices for pharmeceuticals in the US. Through regulation yes. ) How does the republican fix of Medicare address this fixed industry Steve?
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Post 08 Jun 2011, 7:22 am

rickyp wrote:They don't do it. It doesn't happen. But not because there are regulations that stop them from doing so.


Really? So, for example, there is no law to prevent a company from selling health insurance across State lines? There are no bare minimums and absolute maximums set by law?

Good to know! :no:

You're just wrong. There is no free market in health insurance because the Federal government prevents such markets from existing.

The new plan offered up by the republicans provides a consumer with a level of funds to provide for their care. But if they can't meet their needs in a given year they need to use their own funds. Somehow its beleived that this will force seniors to go shopping for cheaper health care. (The "faith in the markets")


You have it backwards, but that's what happens when your only source is left-wing outlets.

It would be interesting if you could provide evidence anywhere that a senior would leave their doctor for a cheaper doctor. Thye would leave behind a medial practioneer they've used for years in order to get a small discount from an unknown ?


Again, this is upside down. What is actually happening is that fewer and fewer doctors are accepting Medicare as it continues to pare back what it pays. Why is there a shortage of general practitioners? Because of government restrictions on what they can charge Medicare patients.

This "faith" in the markets demonstrates absolutely no "faith" in human nature.


Do tell. So, markets are independent, sentient beings?

There is of course evidence that there is a potential for real price competition in pharmeceuticals. Seniors taking bus trips to Canada to buy medicine.


Same old saw, different piece of wood. Now, I respond with "Canadians come to the US for medical care."

Boring.

A real free marketer would allow the reimportation of drugs in order to allow seniors to shop. Whats the republican (or democratic) stand on that Steve?


Richard, Democrats have blocked that, Richard. http://www.reducedrugprices.org/read.asp?news=4120 And another:

Throughout the process Reid mobilized Democrats to block efforts to alter the terms of the deal between the White House and the pharmaceutical industry.


It's so surprising that you don't know what you're talking about. :uhoh:
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Post 08 Jun 2011, 7:40 am

It would be interesting if you could provide evidence anywhere that a senior would leave their doctor for a cheaper doctor. Thye would leave behind a medial practioneer they've used for years in order to get a small discount from an unknown ?
This "faith" in the markets demonstrates absolutely no "faith" in human nature.


Ricky, my experience is so different than yours. Seniors are very price conscious. They are rational, and they are usually smart.70 year olds tend to be smarter than 90 year olds, but 90 year olds tend to have their children (who are 60) helping them make decisions. Most rational people use price as an ingredient for a good decision. Only a fool makes price the only criteria. But fundamentally, people are better decision makers for their own well being than a large government bureaucracy.

Often with health care you have to go to a specialist who you've never met before. It's very easy to ask your primary care physician for a couple or 3 recommendations, and then go to the best one based on price, location, availability, etc.
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Post 08 Jun 2011, 10:54 am

I think that when it comes to direct healthcare, people would only use price as a yes/no determinant - they will go for the best care that they can afford. With best being about perceived quality and convenience (time & distance). I'm not sure how one can really make fully aware rational decisions about quality - a lot of what you see on it will be subjective and depend on a huge number of factors. So won't it usually come down to who nearby can do it quickest and isn't reputed to be a complete quack?

When it comes to insurance, that's more difficult, because it involves a judgement of future risk and a fair amount of luck. Humans are poor at risk assessment at the best of times, let alone looking well ahead into the unknown.
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Post 08 Jun 2011, 2:21 pm

steve
Really? So, for example, there is no law to prevent a company from selling health insurance across State lines? There are no bare minimums and absolute maximums set by law?


How many insurance companies would you require to have effective price competition ocurring Steve?
3, 4 5 6 or more?
If you eamine the numbers of compsnies competing within a state there are plenty of states where there are plenty of competitors.
And yet, insurance costs aren't lower in those states.

Ray, seniors are indeed very carfeful shoppers. How many of them do you see staning in front of the doctors office looking over the doctors price list before they enter and ask for an appointment?
Are you actually claiming that seniors, are engaging in the same kind of price shoipping regarding medical prodcures that they do with other commodities.
That they shop for drugs based upon price, and are denied access to cheap drugs, demonstrates that perhaps if Doctors began to advertise their services based on price that you could see an influx of shopping. You honestly think doctors are going to start advertising their prices?
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Post 08 Jun 2011, 2:28 pm

Steve I was aware of the sell out on drug reimportation by the Dems. I think it stunk. However I asked you what the Republican position was on drug reimportation...Becasue I can't find it anywhere. You'd think it would be a major plank in saving medicare. And its a free market solution....But no. Nothing in the plan is there?

Allowing the Secretary [of HHS] to negotiate drug prices has the potential to save billions of dollars ­ potentially up to $24 billion annually ­ assuming that the mean reduction in drug prices obtained through the limited use of VA’s negotiation techniques could be applied to the Part D program’s overall prescription drug cost of $49 billion. These savings are more than adequate to close the “doughnut hole” coverage gap, estimated by the Congressional Budget Office to cost $42 billion over five years. Savings in excess of $42 billion could be used to improve other Medicare benefits and reducing the deficit.
According to the National Committee to Preserve Social Security and Medicare
source:
http://my.firedoglake.com/peterr/2011/0 ... -to-phrma/