Health Care Costs

4/4/2013 11:42:53 AM	Health Care Costs
58dpilot Springdale, AR 62, joined May. 2012	According to some analysts it now appears that health care premiums will double or triple for people under 30 because of the requirements to cover pre-existing conditions and the higher cost burden of older people. That wouldn't be so bad if having it was optional which we all know it is not. Without it you will have to pay a fine out of your tax return. It got me thinking that where I retired from the company rate for health insurance with $1000 deductible for a single person was $28 a week. Talking to a friend that still works there it was raised recently to over $30 a week. If Obamacare makes that go to $40-60 a week based on what a line worker makes there (about $10 or a little more an hour) most would have trouble making rent, buying gas and groceries, and other essentials. Foregt about a case of beer for the weekend. Taking into account the cost for a family of 4 and WOW! Even with both parents working they aren't gonna make it without food stamps, WIC, rent assistance and a lot of other help from somewhere. God help you if you are single, paying child support and ordered by the court to pay for your kids health insurance! These revelations make it appear the real world total cost of Obamacare across the board is going to be much higher than even the most pesimistic opponents previously predicted. But like voting for the law in the first place where we had to pass it to see what's in it we are going to have to give it a shot to see how much it will cost. It will be interesting to see how all this is going to pan out! God help America! Meet singles at DateHookup.dating, we're 100% free! Join now!
4/4/2013 2:54:09 PM	Health Care Costs
metalshadow6 Dillon, SC 36, joined Feb. 2013	We know that pre-existing conditions is one reason healthcare is on the rise but I also would like to see a study is the better healthcare resulting in more with pre-existing conditions. Just think about it, use to before medicine and medical practice got better, often the week and sickly died, young for many. Now we can save them from death but the cost to keep them alive is what drives the cost. Now some of the rise in cost is result of government trying the regulate it as well as many malpractice lawsuits but in the end if we want to save that child that is born unhealthy with a conditions, then we should not complain if it is going to cost some money. The cost to live is high for a person born with a condition because they require more then the average person. Yet if you want to see these people die, turn medical care over to the government. The Government will look at the treatment and say “That cost to much” so that person will not receive the treatment they need. Now if we were to make people pay if they bring up a false health claim the cost of the lawyers and courts, we would see a decrease in lawsuits and even new and better stuff introduce into the market. Some companies have stated that they do have lifesaving devices made but are not releasing them because a treat of a lawsuit and the cost it bring even if it is a false one. And get government out of health care can drop the price as well. All that paperwork the government requires alone raises the price. [Edited 4/4/2013 2:55:34 PM ]
4/4/2013 3:57:35 PM	Health Care Costs
cowboy4672 Lillian, AL 69, joined Dec. 2012	Okay so Pre Existing conditions: So under the current un system you pay the "Company" for 40 years, Every year your premiums increase because of age/company profit. If and when you get sick the company pays a doctor to cure you. After you are released, you have a preexisting condition. Now while you are in the hospital they X-ray poke prod and every quack in thirty miles comes thru and puts a note in your file so they to can charge your insurance company! Don't say It don't happen................Been There!! 5 years, bankrupt Now the upside, all those "Notes" are Preexisting conditions to your insurance company. Now you have to have individual policies for each condition. Oh Yeah Now fight that all by yourself against the Quacks who screwed you!! Lawyers Love it!! "Some Analysts" Work for Insurance, Doctors and Lawyers. "Some Analysts" don't work for you!! God Helps those who help themselves!!
4/5/2013 12:28:06 AM	Health Care Costs
58dpilot Springdale, AR 62, joined May. 2012	Quote from cowboy4672: Okay so Pre Existing conditions: So under the current un system you pay the "Company" for 40 years, Every year your premiums increase because of age/company profit. If and when you get sick the company pays a doctor to cure you. After you are released, you have a preexisting condition. Now while you are in the hospital they X-ray poke prod and every quack in thirty miles comes thru and puts a note in your file so they to can charge your insurance company! Don't say It don't happen................Been There!! 5 years, bankrupt Now the upside, all those "Notes" are Preexisting conditions to your insurance company. Now you have to have individual policies for each condition. Oh Yeah Now fight that all by yourself against the Quacks who screwed you!! Lawyers Love it!! "Some Analysts" Work for Insurance, Doctors and Lawyers. "Some Analysts" don't work for you!! God Helps those who help themselves!! I know there are a lot of "problems" with the current system. Some can probably be solved, ohters not so easily. The affordable care act may solve some but will create others. Health care is expensive...very expensive no matter what you do. The share of the economy it consumes increases every year. Increasing those costs dramatically especially during a recession is not a very smart idea. What the increase will be when "Obamacare" goes fully into effect is anyone's guess. One thing we know for sure based on past performance is that "government" projections aren't even close. Wanting, wishing, and hoping can't change that. Nothing is free. There are a lot of questions including what are we willing to pay for it? What other things are we willing to sacrifice and give up for it? How do we contain costs? Where are we going to get not just the money to pay for it but also all the extra medical professionals to service all these "newly insured" people? What is going to happen to availability and quality of care? Will medical professionals stick with it? A lot of doctors won't accept medicaid patients in private practice because it pays less than it cost to provide even basic services. Many doctors and nurses over 50 have already expressed the sentiment that rather than take a loss they will retire or change to other businesses. I remember a company that was losing money each month on it's health care plan. They only had about 25% of their employees signed up. They figured that if they required all employees to pay in at a minimum of the "single" rate they would have more money and not lose so much so they made that rule. Employees had to buy in at least at the single rate as a condition of employment. A lot of things have unexpected consequences. Most of their uninsured were young people that didn't make a lot of money and also rarely got sick with anything serious. When they did get sick they would get a bottle of Nyquil or whatever and tough it out. However when they started paying for health insurance that changed. A cold turned into a doctor appointment, an expensive prescirtion, and a couple days off (lost manhours in business speak). Losses on the health plan went through the roof. Six months later the company eliminated that program and went back to the old way. They learned trying to insure everyone cost a lot more than they predicted. Add 40 million people to the rolls by government mandate and what do you think the effect will be? It doesn't take a genius to figure it will be a heck of a lot more than the designers and proponents of "Obamacare" are figuring. Some estimates are 10 times the projected annual estimated 800,000 million cost or 8 or trillion. Medicare was supposed to cost 11 billion over the first 10 years beginning in 1972 and wound up actually costing 121 billion. For all the good, bad, or whatever one thing is for sure, I don't trust politicians to get it right. They haven't gottten anything right yet so why expect them to do it this time? I think everyone is in for a big surprise. We'll just have to wait until sometime in 2014 to see just how big is it going to be.
4/5/2013 8:28:07 AM	Health Care Costs
cowboy4672 Lillian, AL 69, joined Dec. 2012	The current system does not work. The only people served by it are, Quacks and lawyers and insurance companies. Under the current system your doctor has absolutely no incentive to cure you, And since it is a "Self Policing system" You can be can be assured that their is no doctor who will help you against another doctor. It is also now a self certifying agency. A "board" gets together and agree that you "look" like a doctor and certify you. Since their are no Federal rules, you can Kill, (Malpractice and be convicted) in one state and go to the next state and hang your shingle there. No Matter what "Some" People say, the cost increases are due to repeat tests. Each and every doctor orders his own set of X-Rays. Each and every doctor calls all his "Insurance team." These guy's order heir own tests to make sure they don't get sued. Ad Infinitum.......................................... I paid fifteen doctors that conducted tests at 3 AM???????????? If politicians are the peoples rep and they are useless, UNVOTE them. It used to be that a Doctor pledged "Do NO Harm!" and it meant to use all your knowledge to save a life without causing further harm. now it means, If I do Nothing I can't be sued for causing harm!!
4/5/2013 10:54:04 AM	Health Care Costs
58dpilot Springdale, AR 62, joined May. 2012	And why is it the way it is in the first place? Simple. Government has made so many rules, gotten involved in trying to control prices, established government systems that mandate who, what, when, where, and how every facet of it works, who gets what, who gets paid, how much, and when. The more complex a system becomes the more difficult to control expensive, and inefficient it becomes. 90% of the effort that goes into medical care now has nothing to do with doctors or patients. A rediculous percentage of the costs paid don't go into care, it goes to clerks and administrators and to people that "can't afford their own care". Hence your $50 aspirin at a hospital. At my doctor office the same aspirin is free. The point is that when government gets invovled to mandate any industry the same results are always realized. The industry invovled becomes less efficient, more expensive, and less serving of it's customers. This new Obamacare is much worse than what we had before and serves to spread the "worseness" around more boradly to the detriment of everyone. If you think what we have now is bad you ain't seen nothing yet!
4/5/2013 1:50:58 PM	Health Care Costs
cowboy4672 Lillian, AL 69, joined Dec. 2012	It's that way because Government has no rules governing doctors or hospitals or lawyers. Your state may have a medical board of investigation, but that is not a government or citizen agency. It is strictly doctor's overseeing doctors who are reported to the board by their organization. Doctor's can do whatever, if they screw up the lawyers are Happy! Because the worst doctor's pay the highest premium's, the insurance company is happy. And because you choose to go against them alone..........You will loose!! Remember, unless watched over, doctor's get to bury their mistakes!! What do doctor' fear most in the affordable care act, They cannot charge for the same procedure in a 30 day period. Unless approved by the Medical board!! So you cannot get the same Knee replaced twice in 30 days!!
4/7/2013 12:52:00 PM	Health Care Costs
deneez Rochester, MI 57, joined Apr. 2012	I believe many persons went to the polls believing we would have true universal health care coverage such as Canada. This did not turn out to be the case. Those who have not obtained health care through employment will face personal penalty and such fees are paid to the government via federal tax return or beating from a rock. Now that the true case will come to light and insurance remains a 'risk'...(hey, thats what insurance is)...it should not come as a surprise that premiums will go up. My fathers brother is an attorney. He wanted to read all of it in its entirety...all 2000 some pages of our new health care 'tax'. And so he did. The news is not good. True universal health care...it is not. The only reason I would have voted for our President would have been this...because I support a universal health care that is 'true' universal health care, with an option for those wealthy enough to maintain their personal health care if they wished to do so. [Edited 4/7/2013 12:52:26 PM ]
4/7/2013 2:01:14 PM	Health Care Costs
gradereight Sterling Heights, MI 56, joined May. 2011	According to JAMA, July 26, 2000, in an article by Dr Barbara Starfield, the 3rd leading cause of death in America is medical care. According to the FDA, adverse drug reations are the #4 cause of death in America. And we want more of this? Allopathic medicine has no answers for any diseases or ongoing medical conditions. Cancer rate increases of 1000's of percent, Autism for 1 in 50, & diabetes increasing by 1000's of percent. Take your pills and vaccines!!!!!!!!!!!!!!!!!!!! LOL Wake up, America
4/7/2013 3:24:18 PM	Health Care Costs
deneez Rochester, MI 57, joined Apr. 2012	Quote from gradereight: According to JAMA, July 26, 2000, in an article by Dr Barbara Starfield, the 3rd leading cause of death in America is medical care. According to the FDA, adverse drug reations are the #4 cause of death in America. And we want more of this? Allopathic medicine has no answers for any diseases or ongoing medical conditions. Cancer rate increases of 1000's of percent, Autism for 1 in 50, & diabetes increasing by 1000's of percent. Take your pills and vaccines!!!!!!!!!!!!!!!!!!!! LOL Wake up, America and frozen custard? just kidding M. are U proposing natural remedy? re: my post, companies that did not provide medical care do not wish to provide it now , nor will they be forced to by keeping staffing at minimum, and hours worked as well. but persons in need of work to survive will take these jobs and be left with a huge bill at tax time (which increases yearly btw) as a personal penalty. when did we determine this beneficial? nuff.
4/7/2013 4:28:15 PM	Health Care Costs
cowboy4672 Lillian, AL 69, joined Dec. 2012	For me it's a "Baby" bathwater scenario. I would prefer universal as in Canada and most progressively educated countries. But this country's government is paid for by the "Rich And Famous!" Doctor's and lawyer's and Insurance Investor's. So what we get stuck with is somewhere between where we are and where we want to be. It took 40 years to make this step, Can we move forward or do we jump all the way back and let the Insurance companies have the last two years of increases that they didn't get? And should we return the penalties collected under the "Affordable Care act" for the amounts over charged by insurance in the past year? Remember that in the five years preceding the talk of the "Affordable care act........ Premiums increased by 15=20% and companies are depositing "Pre Existing" on to the Medicare Rolls. Currently these people get their "Care" thru the Emergency room. AS Mr. Romney Said, Let them have Charity care!! Oh wow ER care is 100 times more expensive. To the Tax payer!! I say get rid of any politician who say's to repeal, and elect only hose who will strengthen!!
4/23/2013 11:58:42 AM	Health Care Costs
58dpilot Springdale, AR 62, joined May. 2012	It is inescapable that when you give everyone something for "free" is is never "affordable". About 15-20 years ago business and industry tried an experiment to cut loses in their health care plans by making participation in the company health plan mandatory. They figured that if everyone contributed they would have more money coming in to cover what they were paying out. Didn't work. What happened was that when people could use it they did. The actual result was that they paid out a lot more because the number of claims skyrocketed. In addition to increased our of pocket expenses there were other effects that harmed their efficiencies. Imagine that? How does that happen? Well, you have a high school kid in his first job. He's healthy and stong so he doesn't take the insurance he figures he won't need. He gets a cold and goes to get a bottle of something at the drug store and toughs it out. Everybody is happy. Make him pay for insurance and he will use it. His few dollars of out of pocket expense turn into a $50 doctor visit, a $50 prescription, and two days off work. If he does that three times a year the company is in the hole again, much deeper in the hole when you count up everyone doing the same thing. Now imagine adding 40 million people to the current system. Affordable? Not by a long shot. Argue all you want, I predict that before 2014 is over and we finally find out what is in it and what it is really going to cost and Obamacare will get tossed into the trash can where it belongs. Sure it would be nice if everybody got everything they need for free. In the real world that doesn't happen. Somebody wants to get paid for providing the free stuff everybody wants and somebody has to pay for it or they aren't going to give it up. Wait and see. This Affordable Health Care Act is anything but.
4/23/2013 5:04:33 PM	Health Care Costs
cowboy4672 Lillian, AL 69, joined Dec. 2012	I sill don't understand the source or logic of your numbers!! Your healthy kid, like every other healthy kid gets a cold, goes to the doctor, and pays his $20 Copay. He gets his Shot and has to avoid people for 24 Hours!! If he has a Job he is paying 15-20% of his paycheck for insurance. His employer is contributing matching dollars. The employer Deducts the contribution as a business expense. Say your healthy kid has no insurance, Because of a "Preexisting condition!" or It's just too expensive!! He toughs it out with cough syrup and Aspirin, continues to show up for work, because he needs the money. Now instead of one kid out for two days you have a rotating viral disease going gradually through all your employees. Instead of one kid out for a day, your whole company, one by one, is out three to seven days at a time! (Depending on the nature of the Unattended Virus) Or he has no insurance so he goes to the E.R.: The Average Charge (To You as a taxpayer) is $4000 dollars. (Charity Care, (As described By Mitt)) Or is it your suggestion that once you are diagnosed with a condition, We take you outback and shoot you?? Once you are kicked off the "Commercial Carriers" Who do you think Pays??
5/11/2013 5:47:32 AM	Health Care Costs
cowboy4672 Lillian, AL 69, joined Dec. 2012	Update: The current healthcare "System!!" With two PPO policies in effect (Paid for By me.) Two insurance companies paid the doctor/hospital/quack parade, and now five years later I have a bill collector on my credit report for $18000............................Doctor wasn't paid enough!! 80% of all bankruptcies are caused by Illness,........................................ Fix it: or Join me, under the bridge in your own cardboard box!!
5/13/2013 10:57:33 AM	Health Care Costs
58dpilot Springdale, AR 62, joined May. 2012	Bottomline is simple. There isn't enough money to fund this thing, in an attempt to do so they are taxing all kinds of things, they will reduce those lavish IRS "transfers of wealth" from payers to single mothers as they deduct her "premium" from her IRS "handout". The cost is the key and there is no way to pay for it except through increased deficit spending we can't afford for too many reasons to mention. Sit back and watch, that is about all anyone can do about it at this point. Just wait and see. Therein lies all the evidence one needs. It gets all fired up in 2014 and will collapse in 2015.
5/14/2013 12:35:16 PM	Health Care Costs
58dpilot Springdale, AR 62, joined May. 2012	Today in the news 14 0r 17 or something of the largest insurance companies in the US have announced that premiums will as much as double and may even go higher for some people. Young people will be the hardest hit. Even people that have been paying nothing are going to get hit. So this thing is going to cost everybody crazy amounts of money. Those that already have it will pay much more and those that will be forced to buy it and haven't been paying anything will be forced to spend money on it. Everyone is gonna get slapped. No one escapes, everybody pays something.....except...... ..... Oh, except the people that are exempt like some of the labor unions, government employees, politicians, illegal aliens, you know ..... the preferred classes of people that progressive liberals love. Everybody else is gonna get hammered.
5/15/2013 7:04:52 AM	Health Care Costs
cowboy4672 Lillian, AL 69, joined Dec. 2012	This mornings report: If you have health insurance, You need in addition $200,000 in savings or Assets for one illness!! So who, is going to arrest and punish the Frauds who are running up the costs? DOJ arrested and prosecuted 2 Billion dollars worth of fraud claims since ACA was implemented. The estimate is that this is less than 1% of the fraud in medical claims. The primary reason to overturn the ACA is that it would return oversight and enforcement back to the Doctor's association!! Who would naturally not overcharge you!! Oh and they would also make sure the Dr's in their hospitals were really Qualified!!
5/24/2013 3:21:38 PM	Health Care Costs
deneez Rochester, MI 57, joined Apr. 2012	There's nothing affordable about the affordable care act. I believe it benefits everyone for there to be a basic system that covers everyone. But if it costs tax payers money...... There shouldn't be any profit attached. I'm not talking about doctors I'm talking about insurance companies. They are there for ppl who can afford policies to buy them. The govt has no business trying to insure everyone via insurance companies. Because you take something like healthcare that's already expensive anyway then you add a profit for a private company other than caregivers, you add dramatically to the cost. andy505050 Bravo! AND because insurance is a risk....and everyone must be insured....who will control the cap on the cost? There are models of national health care that work and are progressive in a standard of excellent health care, Isreal is one, I've read about it, and it seems possibly our President may have been hasty to get something on the table. When congress was told they had to sign it to look at it...that should have been an indication. I feel we could have done better, and the underserved could have had insurance that is as conducive to health (including preventative) as the wealthy who will not be hampered by premiums.
6/19/2013 11:54:42 AM	Health Care Costs
58dpilot Springdale, AR 62, joined May. 2012	Bottom line is that doctors and other medical professionals provide a service. It is Like any other service and they deserve to be paid and also deserve to choose their customers. It is no different than getting a haircut or a manicure or whatever other service. No one has an "inalienable right" to healthcare and the basic concept that people do is a socialist philosophy, even a communist one at best. There is no right to healthcare in the Constitution. So where do these progressive liberal knuckleheads get the idea that health care is a right in the first place? They pull it out of their progressive liberal thinking without regard to who owns it. They do that with everything. They believe we all owe our neighbors and our property is not our in the first place. No matter how you slice it it that idea is simply an excuse for stealing. They put hoards of useless people on government programs for generations effectively subjugating them to the whim and will of government. They disregard freedom and personal responsibility completely and those principles are what the country was founded on. They take your freedoms in order to "protect" you. What we need is protection from "them". There are billions of poages of regulations the goverment makes for us. The rules we have for them fits on two pages....they are the Constitution and Bill of Rights. Anybody see the irony in that? Progressive liberalism is a serious clinical mental disorder that should be dealt with by professionals running mental institutions. People so afflicted should be locked up somewhere and never be let out. People like Harry Reid, Nancy Pelosi, Diane Feinstien, Hillary Clinton, Barney Frank, and Barry Sueto are severely afflicted. To let people with a serious mental disorder run anything is simply crazy. Progressive liberals always do much more harm than good regardless of their noble intentions. On the other hand people that can't get out of the bottle long enough to form a rational thought shouldn't be in charge of anything either. Ed Kennedy comes to mind. Then there is the guy that guarantees Obama won't be impeached. He is also more effective at protecting Obama than the Secret Service. It is Joe Biden. If anything happens to Barry Sueto, Uncle Joe Biden would become president!
6/19/2013 1:17:09 PM	Health Care Costs
cowboy4672 Lillian, AL 69, joined Dec. 2012	I Believe the Constitution starts with the Inalienable rights, LIFE, LIBRTY, AND THE PURSUIT OF HAPPINESS. Life being the first "Right." mentioned. So the denial of "Healthcare" would be denying life. Is that your suggestion? Just line up outside the ER door. Or Do like Tennessee have a Lottery for available healthcare? Oh!! You prefer Mitt's Cure, just go to the ER and fill out the forms, Charity care will cover it!!! As it is, Don't work......................................
6/19/2013 1:43:50 PM	Health Care Costs
deneez Rochester, MI 57, joined Apr. 2012	What is the Human Right to Health and Health Care? The human right to health means that everyone has the right to the highest attainable standard of physical and mental health, which includes access to all medical services, sanitation, adequate food, decent housing, healthy working conditions, and a clean environment. The human right to health care means that hospitals, clinics, medicines, and doctors’ services must be accessible, available, acceptable, and of good quality for everyone, on an equitable basis, where and when needed. The design of a health care system must be guided by the following key human rights standards and principles: Universal Access: Access to health care must be universal, guaranteed for all on an equitable basis. Health care must be affordable and comprehensive for everyone, and physically accessible where and when needed. Availability: Adequate health care infrastructure (e.g. hospitals, community health facilities, trained health care professionals), goods (e.g. drugs, equipment), and services (e.g. primary care, mental health) must be available in all geographical areas and to all communities. Acceptability and Dignity: Health care institutions and providers must respect dignity, provide culturally appropriate care, be responsive to needs based on gender, age, culture, language, and different ways of life and abilities. They must respect medical ethics and protect confidentiality. Quality: All health care must be medically appropriate and of good quality, guided by quality standards and control mechanisms, and provided in a timely, safe, and patient-centered manner. The human right to health also entails the following procedural principles, which apply to all human rights: Non-Discrimination: Health care must be accessible and provided without discrimination (in intent or effect) based on health status, race, ethnicity, age, sex, sexuality, disability, language, religion, national origin, income, or social status. Transparency: Health information must be easily accessible for everyone, enabling people to protect their health and claim quality health services. Institutions that organize, finance or deliver health care must operate in a transparent way. Participation: Individuals and communities must be able to take an active role in decisions that affect their health, including in the organization and implementation of health care services. Accountability: Private companies and public agencies must be held accountable for protecting the right to health care through enforceable standards, regulations, and independent compliance monitoring. The Human Right to Health is protected in: • Article 25 of the Universal Declaration of Human Rights • Articel 12 of the International Covenant on Economic, Social and Cultural Rights • Article 24 of the Convention on the Rights of the Child • Article 5 of the Convention on the Elimination of All Forms of Racial Discrimination • Articles 12 & 14 of the Convention on the Elimination of All Forms of Discrimination Against Women • Article XI (11) of the American Declaration on Rights and Duties of Man • Article 25 of the Convention on the Rights of Persons with Disabilities United Nations committees ("treaty bodies"), comprised of independent experts, oversee the implementation of particular human rights treaties. These committees oversee the treaties by, among other things, receiving government and civil society reports on the implementation of the treaties, making comments to the government reports, and issuing general comments about the treaties or specific right contained therein. With regard to the human right to health, in the year 2000 the UN Committee on Economic, Social and Cultural Rights issued legal guidance for implementation of this right: - See more at: http://www.nesri.org/programs/what-is-the-human-right-to-health-and-health-care#sthash.zSMKhAkg.dpuf

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