Universal Healthcare Madness

8

The pursuit of universal healthcare coverage once more seems to be all the rage on the left. The administrative inefficiencies of the private system, we are told, massively drive up our costs, while leaving vast numbers of Americans uninsured. If only we could have universal coverage administered by the federal government, they say, we could save money while at the same time getting better results for all.

To listen to people talk, one might almost think that - due to the machinations of stingy right-wingers and greedy corporations - public healthcare in America is starved for funds, compared to our Canadian neigbor and to the enlightened welfare states of Europe. But is this true?

Consider:

In 2005, Medicare covered about 42 million elderly and disabled people at a total cost to the federal government of about $325 billion.

In 2005, Medicaid covered about 44 million low-income parents, children, seniors, and people with disabilities at a total cost to the states and the federal government of about $305 billion.

In 2006, Schip (the State Children's Health Insurance Program) covered about 4 million children at a total cost to the states and the federal government of about $8 billion.

Many more are eligible but are too ignorant and/or indifferent to sign up.

About 6 million people are enrolled in both Medicare and Medicaid, so that gives us a combined total of about 84 million people covered by the government at a cost of about $638 billion. That works out to about $7,600 per individual covered.

If you divide $638 billion by the total U.S. population in 2005 (about 295 million) you get $2163. For purposes of comparison: according to OECD figures, in 2003, the Canadian government spent $2102 per capita on healthcare.

Got that? Medicare, Medicaid and Schip alone, which cover about 27% of the U.S. population, cost about as much per capita as the entire Canadian government system, which covers everybody.

The idea that if only we were to let the U.S. federal government take over the *entire* American health care system, then suddenly it would become a miracle of efficiency, producing Canadian-style health outcomes at Canadian-style expense, is somewhere between utterly fantastic and deeply dishonest. I have been trying for months now to get supporters of socialized healthcare for the U.S. to explain to me: if the American government as it actually exists is so good at this and so efficient, then why don't we already enjoy universal coverage under the current budget?

And they just won't do it. They won't even try. All I ever get is this endless mantra about the administrative inefficiencies and assorted other evils of the private part of the system - none of which ever seems to explain anything at all about the limitations of the public part.

*Sigh.*

If the advocates of public healthcare were genuinely interested in providing a "safety net" for all Americans who really can't afford their own coverage - as opposed to facilitating a gigantic federal power-grab and sticking it to big business - they would not be doing what they're doing. They would not be pushing for a government takeover. They would be pushing for *reallocation* of the resources that the government already has at its disposal.

On the healthcare budget it's already got, the American government could afford to fund free clinics and/or insurance and/or whatever for the entire lower-income *half* of the American population, to the tune of more than $5000 per recipient - which is more than double per capita government spending on healthcare in Canada or England or France or Germany or Sweden.

I submit that that ought to be enough.

And I submit that those above the median family income in the U.S., which is fast approaching $50000, can and should be looking after their own damn healthcare coverage.

It is *insane* for taxpayers to pay for the coverage of rich old people. It is *insane* for taxpayers to subsidize free choice of provider for those on the healthcare dole. It is *insane* for taxpayers to squander huge sums of money on the futile end-of-life interventions that so many Americans insist on. And so on. Yet those are among the crazy things that we are doing.

If the advocates of public healthcare were to give up their dreams of total state victory and instead concentrate on creating a genuine "safety net" within current budget constraints, I think that they would get a lot more conservative and libertarian support.

And why not? What's the ideological obstacle to such an approach? Isn't liberalism supposed to be all about doing the best for those with the least?
--

Something lies beyond the scene...

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I get the impression

(#26358)


that its a about money and not actual delivery of
health care.

Its just a model, you wouldn't want to bank on it.

In both spelling and obscurity...

(#26420)

...this rivals Timmy himself.

And ye shall cry out in that day because of your king which ye shall have chosen you; and the LORD will not hear you in that day.

Let's sum up:

(#26272)

1. The current U.S. "system," using that term in the most ironic sense possible, is by your own metric nearly four times as expensive (and/or four times as wasteful) as health care systems in other countries.

2. You believe the federal government ought to do more with the funding it already has.

3. You oppose single-payer care, or indeed any public/regulatory solution to the healthcare problem of the type you might see in foreign healthcare systems.

Isn't there a contradiction between 2 and 3? Second question, how do you go about setting up an affordable "safety net" without finding a way to control spiraling costs of care and insurance?

In other words, what's your solution to the massive inefficiencies in the U.S. system?

The point I take away from this

(#26275)

Mr. Jordan,

Is that the high cost of the US system has little or nothing to do with the fact that its partially private because the public, single payer parts of the system are just as expensive. The idea that the system will become cheaper if all medical insurance is nationalized is pretty questionable.

Solutions depend on accurately identifying the problem.

Since a great many of the costs

(#26277)

are incurred by confusion/poor oversight/excessive paperwork (every doctor's office in the country has a full time staff just to keep up with insurers, gov't reporting requirements, pharma companies -- a paperwork nightmare), it would seem obvious that a simpler system, whatever that may be, would reduce the massive inefficiencies.

Who is forcing the government...

(#26421)

...to work with the private insurers?

If the USG is so much more efficient, and so much less prone to "paperwork nightmares" than the private sector, then why don't they set up their *own* alternative system for their beneficiaries, *right now?* - within the current budget?

And ye shall cry out in that day because of your king which ye shall have chosen you; and the LORD will not hear you in that day.

Who? I believe that would be the Republicans.

(#26435)

The GOP has been wanting to replace Medicare with private insurance for years now. They offer all sorts of incentives for people to move from Medicare to plans offered by private insurers, figuring that the efficiency of the private sector over bloated government bureaucracy would result in better care for less money. They even let the private insurers cherry pick the healthier seniors. What they found, unsurprisingly, was that people didn't want to give up their Medicare because the private plans weren't as good.

When the GOP passed their abominable Medicare Part D (prescription drug coverage) instead of letting Medicare administer the benefit, they required that private insurers be cut in on the deal with predictable results.

Guard, protect and cherish your land, for there is no afterlife for a place that started out as Heaven.

I understand that Medicare D worked out rather well

(#26452)

Mr. Chuchundra,

So far, and as government programs go anyway. Drug prices are low, signups are high, and complaints few.

Shall we?

(#26273)

1: No. Where did I say that?

2: Yes.

3: Too vague to judge.

4: Contradiction? Please explain.

5: "How do you go about etc..." - haven't a clue. Did I say anything that suggested that I did? What's your point?

I do not write unclearly. Why waste time on nebulous paraphrases?

And ye shall cry out in that day because of your king which ye shall have chosen you; and the LORD will not hear you in that day.

Total US per capita health care costs, 2005:

(#26280)

Y'all ready for this?

The U.S. spent $2.0 trillion on health care, or $6,697 per person, in 2005.

Now Vinteuil, your own numbers have 27% of the US population covered by Federal programs at $2163 per capita. Which is less than 27% of the total US cost of health care. In other words, by your own numbers, Medicare/Medicaid is operating more efficiently than the US system as a whole.

All that, of course, at over three times the total cost of the Canadian system, and many times the cost in any other country on earth. Medicare ain't the problem.

http://www.cms.hhs.gov/NationalHealthExpendData/02_NationalHealthAccountsHistorical.asp#TopOfPage

Your math is off -

(#26284)

Mr. Jordan,

As per Mr. Vinteuils numbers, since Medicare/Medicaid only cover part of the US population, the cost of coverage is $7600 per insured person under Medicare/Medicaid, well above the US average, which leads to the conclusion that the private system covers its insured (and free-riding uninsured) for much less.

Which is not surprising as Medicare/Medicaid cover a population that consumes more health care.

It does *not* lead to that conclusion.

(#26461)

The data you are looking for would be cost-per-procedure and/or cost-per-condition between Medicare and average private insurers.

well above the US average

Well duh. Medicare patients consume a lot more health services than your average US resident. Can you point to a private US insurer that excludes everyone but the elderly and the disabled? Then you might have a point.

Thank you, Mr. Alegria.

(#26422)

You spared me the trouble.

Jordan seems to have missed the distinction between cost per insured person (27% of Americans) and cost per capita (100% of Americans).

It's also true that Medicare/Medicaid covers "a population that consumes more health care" - especially the (astonishingly expensive) disabled. Yet, somehow or other, the Canadian and European governments seem to manage such folk for a lot less.

And ye shall cry out in that day because of your king which ye shall have chosen you; and the LORD will not hear you in that day.

Apple, Meet Orange

(#26462)

Vinteuil is comparing the cost of treating the Medicare population (apples) to the total per capita cost of Canada's health system (oranges). He's comparing the per-person cost to treat everyone in Canada with the per-person cost of treating the neediest & most expensive population in the US. I hope you can both see that the comparison is bunk.

If there's a way to break out Canada's retired/disabled population and make a direct comparison system-to-system, fine. (I don't know of a way to get that data.) Likewise if there's a way to compare something like cost-per-procedure between Medicare and private US insurers, that might be a valid starting point.

Otherwise, the idea that the Medicare system, which treats the neediest subset of US healthcare consumers, is in any way "scalable" or homologous to a system that would theoretically handle all US consumers, is utterly flawed from the outset.

The only valid comparison between the US & Canadian systems is apples-to-apples, that is, total per-capita costs for each. I made that comparison, and showed that overall, as a percent of GDP, Medicare costs are a low percentage of total healthcare costs per capita, and indeed that they scaled below total costs per person nationwide (27% of people account for less than 27% of total costs). And, of course, as we all know, the US spends over 16% of its GDP on healthcare, which is completely off the charts of any comparable system in the world. I say again: Medicare ain't the problem (nor is it a model for a solution).

P.S. -- apologies for the slow response. I'm on jury duty here in NYC, and the courts still frown on blogging during testimony.

California collison alert

(#26243)

Dubya versus Arnold -- sounds like a Japanese monster movie.

The proper balance between defense and welfare are the tectonic plates that lie beneath our political discourse.

Heere it comes.

(#26246)

Bush says he's gonna back state plans in the SOTU. A sure bet he intends to do nothing of the kind. How can you tell if Bush is lyin'? His lips are moving.

I thought you wanted to balance the budget ? n/t

(#26248)

I see, by supporting state health care plans

(#26249)

Bush means moral support. Not financial. BTW, you owe me an apology for that "your people" remark, Señor.

So, Bush can say things in the SOTU he doesn't mean. Sorta reminds me of a few words he said a while back, sixteen of 'em, wasn't it? ROFL. Payaso! He didn't mean a thing he said about state health care, not a word of it.

Your people

(#26256)

Mr. BlaiseP,

Like those fellows Spitzer and Cuomo, with respect to coal.

You campaign for their candidates and you see them as your political allies. They are yours.

You are waaaay out of line Luis!

(#26263)

I've got my own agenda. Not Schumer, or Spitzer. I went to the trouble of getting a bipartisan bill putting up award money for hydrogen power, largely through convincing nuclear and coal proponents it was a smart move for both. You, by contrast, seem to have done a lot of work around power plants, and have done nothing except whine about Liberals. And make money from it all.

I've done plenty. You've done nothing. You hate Liberals, on principle, you say. I'll respond in this wise: you have no principles, if you feel you can lump me in with Schumer and Spitzer. So much for your much-touted civility.

Who said this, Luis?

(#26250)

My second proposal is to help the states that are coming up with innovative ways to cover the uninsured. States that make basic private health insurance available to all their citizens should receive federal funds to help them provide this coverage to the poor and the sick. I have asked the Secretary of Health and Human Services to work with Congress to take existing federal funds and use them to create "Affordable Choices" grants.

"Existing Federal Funds"

(#26252)

Mr. BlaiseP,

Which I take to mean to treat existing Medicaid etc. as block grants. I don't see a promise to add extra funds.

If true, then its just more

(#26254)

Emperor's New Clothes from our Churchill-ian wannabe.

A fake "surge" to kick the Iraq can down the road (and evade blame); and

A promise to help the uninsured, but with crossed fingers.

The proper balance between defense and welfare are the tectonic plates that lie beneath our political discourse.

A sure sign of intellectual dishonesty

(#26157)

in the health care debate is when Canada is trotted out as the sole model of what universal coverage would look like.

As a start, I'd suggest people read this article by Ezra Klein for an overview of the various systems out there.

And as an initial challenge to my doctrinaire conservative friends, I'd throw out this question: Why has no other industrialized country adopted an American-type health care system of their own?

Excuse me?

(#26204)

(1) Nothing in my post depends on the peculiarities of the Canadian system - which, please note, I did not criticise in any way. If it would make you happier, just substitute "England" or "France" or "Germany" or "Sweden" or whatever for "Canada" throughout my post. Some of the numbers would change, a bit, but my points would remain the same.

(2) I Read Ezra Klein's "overview" long ago. I was not impressed.

(3) Are you under under the impression that I'm defending the current "American-type health care system?" I hope not.

(4) You should be slower to throw around accusations of "intellectual dishonesty." Where I come from, those are fighting words.

And ye shall cry out in that day because of your king which ye shall have chosen you; and the LORD will not hear you in that day.

Excuse me...

(#26238)

1) Congrats on not singling out Canada as the sole illustration of a universal health care system. As for substituting different countries, that's silly. They all have different systems, with different pros and cons. The arguments one could muster against the Canadian system are not the same ones that apply to the French.

2) Ezra Klein's overview is just that- an overview of the different approaches taken to national health care. If you disagree with his conclusions, fine. No-one said he wrote the definitive text on the subject.

3) I'm glad you're not defending the current "system." (It would be easier to defend if a real system existed, as opposed to the current hodge-podge.)

4) You know as well as I do that any time a national health care system is proposed, an insurance lobby group or some free-market fundamentalist will jump up and down, pointing out all of the flaws in the Canadian system, as if that were the only alternative available. It's intellectually dishonest, and I'll stand by that. Since you aren't making that argument, the label doesn't apply to you now, does it.

One of your points is worth mentioning: as for per capita costs, it seems to me that programs that cater to the elderly and poor are going to have sicker patients than programs catering to the population in general. I'd also note that nowhere in your post do you compare the per capita cost of private insurers. Why is that?

Did you even actually bother...

(#26260)

...to read my whole post?

Let me try again: I muster *no* arguments (not here, anyway) against the Canadian plan. Or the French. Or the German. Or the Swedish. Or whatever.

In every respect that is relevant to my post, the differences between the various socialized plans simply don't matter.

For all I know, insurance lobby groups may behave as you say they do. I pay them no heed. But free-market fundamentalists do not. And I bet I know more of them than you do.

Distinctions. Distinctions. Distinctions.

What particular comparison between "the per capita cost of private insurers" and...uh...what, exactly?...would you consider relevant to my argument here? And why?

And ye shall cry out in that day because of your king which ye shall have chosen you; and the LORD will not hear you in that day.

Family Coverage Costs Over $1,100 a MONTH!

(#26133)

That's right, to get family coverage where I work (a large, national company), even the cheapest family plan costs over $1,100 a month! I bet lots of people here don't even realize how much family coverage costs, even if they have it. Chances are your employer pays something like the $10,000 a year per worker mine does to subsidize every worker who has a family plan.

Who can afford that?

Not many of the uninsured, that's for sure. As for us lucky ones who get health insurance through our jobs, I don't see how we can expect the employers to keep up this level of subsidy indefinitely, either.


Speaking of medical funding

(#25930)

The VA needs more money

Two weeks ago, Schulze went to the VA hospital in St. Cloud. He told a staff member he was thinking of killing himself, and asked to be admitted to the mental health unit, said his father and stepmother, who accompanied him. They said he was told he couldn't be admitted that day. The next day, as he spoke to a counselor in St. Cloud by phone, he was told he was No. 26 on the waiting list, his parents said.

Four days later, Schulze, 25, committed suicide in his New Prague home.

The proper balance between defense and welfare are the tectonic plates that lie beneath our political discourse.

No, the VA needs to stop spending money on people who do

(#26006)

not need it. They need means testing far worse than does Social Security or Medicare.

I know guys who get new glasses every year, new hearing aids, all their meds. Yeah, they're "disabled" -- but, funny thing, they all worked for years after they got out with no apparent physical problems and they all have good incomes...

I have no quarrel taking care of veterns, I r 1 after all -- but they're a little too easy on who they provide treatment to. You know why? Because with our oddball Federal budgeting process, numbers = dollars; they go to Congress with gross numbers, they get big bucks -- but they, IMO, waste a lot of $$ providing care to people who can afford to pay for their own but do not. Why should they when they can get free or very low co-pay care from the VA.

Yet another failure of the American health care system.

Uh, you do realize

(#26040)

that the bloated, inefficient and wasteful VA system is the best performing part of the US health care system?

Best in chronic and preventative care

More efficient than private coverage - note the flat cost increases over the past 10 years.

I blame it all on the Internet

Uh, I do realize that I didn't say what you said, pity you don't

(#26046)

I have no quarrel with the VA, they do good work -- and I may need 'em sometime... :)

My quarrel is with our arcane budgeting system in all respects but in this thread as it relates to the VA -- and with what Congress has told the VA to do -- which IMO are many more things for many more people than the original charter for the VA envisioned.

Congress doesn't want to make any voting block -- and veteran's vote -- angry, so they in essence tell the VA give all you can to anyone who seems to qualify. The issue is not effectiveness or competence, it's simply who the VA should be serving. See my response to Chuchundra below.

Well, since about 40% of vets

(#26048)

are over 65, my guess is that all those enrollees saved a considerable amount of money for the government as opposed to leaving them on Medicare.

Congress may spend a lot of money on the VA, but it's only wasteful if it would be less expensive to treat them elsewhere. I haven't looked at the numbers enough to see if that's true or not, but it certainly reduces the excess costs.

I blame it all on the Internet

They've still got Medicare. Many of them also have TriCare,

(#26055)

the DoD health care plan run by Humana and others.

You're missing the point, treating them elsewhere is not the issue -- whether many should be getting treatment from the VA at all is one aspect; another is whether others should be able to use MediCare (and/or Tricare) when that's advantageous or get treatment from the VA when that is. The VA for example will give you eyeglasses and hearing aids, the others do not. The VA cannot do some things that MediCare will do; TriCare will not do somethings either will do but will do some things they won't do. All are virtually no cost to anyone who is a qualified veteran and to many who really aren't -- like the adult children of combat disabled veterans...

You also seem to think I'm complaining that the VA has excess money. Not so. My comment was "The VA needs to stop spending money on people who don't need it, they need means testing far worse than Social Security or MediCare."

The real issue IMO is whether the VA returns to its roots as a care system for combat disabled veterans or continues serve everyone who can remotely claim to be a veteran or in some cases, merely related to one. A secondary issue is why should the VA spend tax dollars to provide excellent care to people who can afford equally good private care and use the money thus saved to enhance their Estate or by a new Maserati. Or use the VA for free when they have MediCare and TriCare who between them will pay virtually everything.

(One answer to that, BTW, is that many doctors and Hospital won't accept TriCare because their payment scale is the lowest around and TriCare does not have the MediCare law that says the payment is all that can be charged or else...)

This goes back to Bill's original comment. That guy was denied a needed bed in a facility. There is every possibility that the "No Vacancy" sign went up because the facility was providing treatment for some folks whose qualification for care is tenuous at best.

The US needs to properly fund the VA system

(#26037)

Call me a communist or something, but I feel that the least we can do for someone wounded in the service of this country is give them free or low-cost medical care.

The GOP machine hates the VA system because it proves them wrong. It's efficient, cheap and effective government run health care from top to bottom. So they've done the only thing they could, cut its funding.

Guard, protect and cherish your land, for there is no afterlife for a place that started out as Heaven.

Not totally correct on several levels. First, there are

(#26042)

millions of veterans who were not wounded in service to their country. Most are disabled, legally in some way -- but not all. Then there's the question of what's a veteran...

"Disablement" is a tricky thing. I know people employed in active professions (Cops, for example) that are legally disabled and who receive a VA pension -- and access to VA Medical facilities. Many were injured in the service but in accidents or during training exercises and were discharged either early or on time with a disability rating of 10% or more but are now fully capable physically.

There is no provision for revisiting the disability rating by the Government, yet the individual can apply for an upgrade (and very often get it). There used to be an assessment process but that ended up finding some disabilities had gone away and resulted in a loss of income to the individual who cried to his Congressman and got restored and Congress just said 'once it's awarded it doesn't go away.'

The VA is essentially a good outfit and it does what it's supposed to pretty well -- my argument is with what Congress has told the VA to do...

I agree with taking care of combat disabled veterans. I do not agree with taking care of those with "service connected disabilities," with paying disability pensions to people who are healthy or with treating people who can and should use other methods who have only minor health problems.

I think if you'll check out the total spectrum it is not cheap and it's not all that effective. Every Administration tries to cut the VA because it's a huge cost and it just keeps growing; Congress is afraid to mess with it.

A sense of "entitlement" and dependency is an awesome thing... :(

Universal coverage would solve that.

(#26030)

Just saying.

It's impossible to debate if people simply hold beliefs that have no grounding in reality.

Data doesn't have needles.

(#26050)

Consumption of health care is inherently time-consuming and unpleasant, a fact which is consistently glossed over.

Case in point -- I'm currently avoiding my ortho doc because he might order an MRI on my shoulder. I have a $100 copay on MRIs, but that's not why I'm avoiding it; I'm doing so because the process of injecting the dye for the MRI is unpleasant enough that I'd honestly rather have a bum shoulder for the rest of my life.

In addition, even if that's true, so what? What's better to spend money on than our health?

It's impossible to debate if people simply hold beliefs that have no grounding in reality.

I meant the original Parkinson's law, not the johny come lately

(#26058)

computer nerd version... :)

""Parkinson's Law" could be more generalized still as: "The demand upon a resource always expands to match the supply of the resource." An extension is often added to this, stating that "the reverse is not true."

Both the generalization and the extension have applicability in health care provision.

With respect to your comment above, I meant it in the sense that we could adopt universal health care (unlikely soon and I certainly hope not in my lifetime) but that neither the current MediCare bureaucracy nor the VA system is at all likely to disappear; thus you'll be confronted with competing bureaucratic systems and probably achieve liitle if any saving of GDP devoted to health care.

I, BTW, am opposed to single provider health care due to almost 30 years of living with such a system. The system will pay providers and one will have choice eventually and then the choices will decline and eventually, you'll have an incompetent provider. It is not the panacea many think...

They seem to do okay with it in Europe

(#26061)

Are you saying that those cheese-eating, surrender monkeys can do something that we bold, brave and smart Americans can't?

Guard, protect and cherish your land, for there is no afterlife for a place that started out as Heaven.

You should take a good look at some European systems.

(#26065)

The Swedes and the Germans both use a mix of public and private and both work well. So do the Australian and the French systems. The Brits and Canadians, not so well...

All of those nations except Australia (which not at all coincidentally uses the most private providers) are geographically compact and predominately urban. All their populations are far smaller and less diverse. None of them claims to have the ideal solution, most are experiencing increases in costs and the grass may not be quite as green as it seems from this side of the fence.

You can transfer some of their systems to the US but you're going to have to cope with whole lot of large open, lightly populated spaces, a far larger rural population and a very diverse population base with a series of genetically derived problems and impairments that literally will require every treatment classification in the world.

I do not and have not said it can't be done -- in fact, I'm sure it will be -- I just said I hoped it didn't occur until after I'm dead because I had almost 30 years experience with it and it isn't a panacea. There are pluses and minuses in everything and every benefit has a cost.

As your Mother probably told you, be careful what you want -- you may get it.

BTW, the only cheese eating surrender monkey are the French; most of the rest of Europe I've never complained about.

I've also never said we're bold, brave and smart Americans -- rather the opposite. We are not bold and brave; we've become disgustingly risk averse and pathetically timid as a people. We obviously aren't smart or we'd never have let the nation that had world class almost everything in 1950 sink to a namby pamby, marginally educated and very dependent upon the government populace. Thank FDR and the New Deal, LBJ and the Great Society and our friends in the NEA and the AFT for that -- just as you can thank the AMA, AHA and HIAA for the health care troubles. Oh, and thank a series of pathetic Congresses for supporting all the above.

One of the consistently silly things...

(#26053)

...that opponents of Universal Care say is that if health care is free, then people will over consume it. Like, who the hell goes to the doctor if they don't need to. Even people like me and PM who have decent health insurance often don't go to the doctor when they should. My fiancee knew just how sick I was about a month back when I asked her to take me to the doctor.

I remember a similar discussion last year on Crooked Timber when a free marketeer claimed that if health care was free, people would go to the doctor for a hangnail. The funny thing being, people should go to the doctor when they have a hangnail. A five minute office visit could prevent a serious infection or worse. If people saw their doctors earlier and more often then the cost of health care in the aggregate would go down because people would get treatments that would prevent serious conditions later on.

Guard, protect and cherish your land, for there is no afterlife for a place that started out as Heaven.

I spent two years...

(#26217)

...in the bioethics department at the National Institutes of Health. I was surrounded by M.D.'s.

They would sit around laughing about their patients. They would say that most of their time was spent dealing with B.S. health complaints from over-insured hypochondriacs.

But maybe they were just making it all up.

And ye shall cry out in that day because of your king which ye shall have chosen you; and the LORD will not hear you in that day.

The System We Have Will Soon Self-Destruct

(#25897)

There's so many good points mixed in with misinformation and outdated arguments here that I don't quite know how to respond.

A few thoughts -- maybe more later.

1. It's not just the "left" who's looking for a way out. Healthcare costs are eating us all alive, and are projected to continue to spiral out of control. Big increases in insurance premiums have reduced the take-home paychecks and wage increases of most Americans over the past five years. It's making life miserable for employees and employers alike, all over America.

2. I don't know who can control the healthcare monster -- which is bigger than any single employer, state or group of people in America -- except the federal government.

3. I don't expect doctors and nurses to become government employees or for the government to own and operate our medical offices and hospitals. I don't see support for that here, so the government wouldn't exactly be "taking over" the healthcare system.

4. Rationing -- the impolite but accurate term for "making the hard choices" -- is probably the toughest problem. In the past, that's been one of the chief arguments against changing the current system. Interesting that people who support the current system are arguing that the reformers won't make the hard choices.

Bottom line for me: things cannot continue as they are. The question is: how will our healthcare system change?

Is there some point here...

(#26218)

...where we're disagreeing?

And ye shall cry out in that day because of your king which ye shall have chosen you; and the LORD will not hear you in that day.

it's ...

(#25785)

... telling that the Canadian government even feels the need to actively ban private insurance at all.

If the nationalized service was so good, why would there even be a demand for private insurance at all?

And how can you justify banning private insurance in either case?

If someone wants to buy private insurance, why one earth should anyone feel it is their right to stop them?

As mentioned elsewhere...

(#25858)

...the point of nationalized coverage is risk-pooling; disturbing the pool disturbs the risk.

I'm honestly baffled by a need for private coverage at all -- if you're wealthy enough that you're looking to supplement Canada's system, then you're wealthy enough to pay out-of-pocket for what you need. I guess negotiation to create networks is vaguely useful, but you're paying huge overhead costs.

It's impossible to debate if people simply hold beliefs that have no grounding in reality.

Well, yeah ...

(#25963)

... *all* insurance ultimately works that way. Insurance companies make money off of our aversion to risk. There's nothing new or unique to healthcare in this.

Simple

(#25844)

Adverse selection. As Bill pointed out earlier, the insurance companies would love to cherry pick the healthy and wealthy and dump the rest on the government.

I blame it all on the Internet

bad argument ...

(#25960)

... the healthy and weathy are still paying taxes into the single payer system. So their buying private insurance does *not* deprive the government run system of resources to deal with the less healthy. In fact, the government has more resources, since they are relieved of the burden of providing care for those who have alternate coverage.

My guess is

(#25964)

that seeing how poorly the US insurance system has worked out, they're trying to head it off before it gathers any momentum.

I blame it all on the Internet

Riiiight ...

(#25979)

... all those rich people are buying private insurance as an act of generosity to save the single payer system.

???????

(#26039)

I meant the Canadian government was trying to head off the insurance morass we have down here.

I blame it all on the Internet

Try this

(#25766)

Go to your doctor and ask him or her how many hours a week they spend personally filling out insurance company paperwork or arguing on the telephone with insurance company drones about treatments and payments. Think about all the hours spent doing this nonsense instead of treating patients. Then ask them how many staff members they have to employ to deal with these insurance companies and medical billing in general. Ask about how much that costs them. Then multiply all that wasted money and all that wasted time by the hundreds of thousands of practicing physicians in the United States. Then realize that that's just once small part of the inefficiency of the nonsensical health care system we have in this country.

It's incomprehensible to me that anyone would look at the US system, the most expensive in the world by percentage of GDP, compare it to the health care systems used by other major industrialized nations, who get better results ans spend far less money and think, "Hey, maybe our system just needs a few tweaks and it will be fine".

Guard, protect and cherish your land, for there is no afterlife for a place that started out as Heaven.

If I may quote myself:

(#25843)

"All I ever get is this endless mantra about the administrative inefficiencies and assorted other evils of the private part of the system - none of which ever seems to explain anything at all about the limitations of the public part."

Thanks for providing yet another example.

Do you really think that the alternative I've suggested here is just another "tweak?" Is it at all possible that we can talk seriously, here?

And ye shall cry out in that day because of your king which ye shall have chosen you; and the LORD will not hear you in that day.

As I've said before

(#26057)

There is no separate public system and private system. They both use the same doctors, nurses, hospitals, etc. So if those institutions must deal with administrative overhead that drives up costs, both systems will have to pay for it. If a doctor has to bill ten fewer hours a week because he's dealing with insurance nonsense, his remaining hours will need to be billed at a higher rate to make up the difference, no matter if they're paid with public or private monies.

There are plenty of other inefficiencies in the system. The forty million or so Americans without health insurance, as well as those with very poor coverage, will often delay treatment for a minor problem because they can't afford it. Then when they get really sick they'll go to the emergency room and be treated there.

I'd also like to point out that the majority of people in the USA's public systems are either elderly or disabled. It's no surprise that these groups have rather high per capita costs.

Guard, protect and cherish your land, for there is no afterlife for a place that started out as Heaven.

So why isn't there?

(#26229)

Why can't the public part of the system simply *separate* itself from the private part? Set up it's own clinics, hire its own staff, establish it's own reimbursement system, etc.?

*Shouldn't* it do so? Given that the private sector is such an inefficient mess and that the federal government is so frightfully clever?

I agree that the elderly and disabled are more expensive than the young and able. Presumably that's also true in Canada. And England. And France. And Germany. And so on. Yet their public systems seem to look after these folks much more cheaply than ours does.

Why is that?

And ye shall cry out in that day because of your king which ye shall have chosen you; and the LORD will not hear you in that day.

I'd settle happily for...

(#25760)

...Canadian-style outcomes at US expense.

Also, this:

It is *insane* for taxpayers to pay for the coverage of rich old people.

...I strongly dispute. Firstly, rich old people pay taxes and deserve access to government services like anyone else. Second, the ENTIRE POINT of universal health care is the tremendous set of gains which come from maximizing the concept of risk pooling; the act of excluding any subpopulation is inherently in opposition.

It's impossible to debate if people simply hold beliefs that have no grounding in reality.

Rich Old People

(#25864)

There are serious arguments, in the literature of political philosophy, for providing rich old people who pay their taxes with the minimal services of government, which they simply can't provide for themselves: i.e., national defense and local police protection.

There might even be serious arguments for providing those who can't provide for themselves with luxuries like health insurance.

But there are *no* serious arguments for providing the rich with government services for which they are perfectly able to pay out of their own pocket.

None.

And ye shall cry out in that day because of your king which ye shall have chosen you; and the LORD will not hear you in that day.

Of course there are...

(#25881)

...risk pooling, benefits to standardizations, costs of screening, economies of scale . . . granted, they're mostly practical rather than philosophical (i.e. society as a whole can have more stuff if we just go ahead and tax everyone and provide everyone with a particular service, rather than trying to parcel out some folks who can afford it for themselves), but that doesn't make them unserious.

It's impossible to debate if people simply hold beliefs that have no grounding in reality.

Why, P.M.!

(#26231)

I hadn't taken you for a reflexive defender of welfare for the wealthy.

Live and learn.

And ye shall cry out in that day because of your king which ye shall have chosen you; and the LORD will not hear you in that day.

Risk pooling, at the cost ...

(#25788)

... of eliminating any incentive to restrain one's consumption of health care services.

Especially during end-of-life interventions.
This is fundamentally the problem with any health care system that attempts to guarentee universal medical coverage. Whether this is paid for by the government or private health care insurers, costs are *guarenteed* to spiral out of control, because there is no limit to how much you can spend trying to keep someone alive these days.

At some point, either the government or the insurance company has to be the bad guy and say "no", because our citizens have been so coddled by the welfare state that they don't have the stomach to do it themselves anymore. So the responsibility for deciding when to accept death is turned over to someone else, whom they can then blame and sue for failing to stop the inevitable.


Don't have the stomach

(#25792)

Man, that's some brutal rhetoric. "Heartbroken with grief due to your aging mother's decline and eventual death? You're coddled by the welfare state! A real man (or woman) would sign the no-code with one hand and pull the plug with the other."

It's impossible to debate if people simply hold beliefs that have no grounding in reality.

Pulling emotional strings ...

(#25803)

... just shows that you don't want to deal with reality.

In an earlier age, people were also spared having to make these decisions because the lack of technology meant that they didn't have the option of keeping someone on life support indefinitely. But they also did still pay their own medical bills and had to decide at some point when they couldn't afford a treatment.

In this day and age someone has to make the decision when to stop treatment, and it would help if the advocates of universal health care wouldn't call those people "heartless" and "brutal" "meanies" and throw a petulent temper tantrum any time some points out the elephant in the living room.

Reality: We now have the technology keep people alive indefinitely, at unlimited expense, but we can't afford to do so. You just want to rig a system that avoids having to face these decisions. Give the decision to an insurer, let people sue the insurers, and then complain about rising costs. Or give the decision to the government, and then make a law that says the government can't refuse treatment, and then wonder why there are waiting lists and spiraling costs.

Or maybe we can just face the reality and give the decision back into the private hands of the people who are most directly involved. These are tough decisions, but lets not make them ugly by calling anyone who makes such a decision, a coldhearted brutal bastard for making it.

In The Old Days. . .

(#25825)
M Scott Eiland's picture

. . .rich people effectively served as beta-testers for new medical technology, paid for the privilege, and didn't generally sue when things inevitably occasionally went south. These days, everyone thinks they're entitled to cutting edge medical technologies paid for by "someone," and have no problem suing everyone in sight when less than perfect results are obtained.

Can't imagine how costs got out of hand.

To strive, to seek, to find, and not to yield.--from Ulysses, by Alfred, Lord Tennyson

No problem suing

(#25841)

Due respect, but I have brought two separate events to lawyers where they agreed that the actions were egregious and probably actionable, but that because they merely unnecessarily endangered my life and long-term health -- and caused months of unnecessary suffering -- they were not awful enough to likely produce a jury award large enough to justify their time.

I don't buy that the problem is malpractice premia.

It's impossible to debate if people simply hold beliefs that have no grounding in reality.

Well of course ...

(#25967)

... does any malpractice lawyer have an interest in saying that actions were non-egrigious and non-actionable?

They get paid either way, remember.

That's like taking your car to a machanic and asking if there's anything that needs fixing.

He didn't get paid.

(#25989)

He refused my case, and the consultation was free.

It's impossible to debate if people simply hold beliefs that have no grounding in reality.

They get paid either way, remember.

(#25971)

Sorry, wrong.

Plaintiff lawyers are contingent fee, only. No victory, no money. PM is saying that he was told that based on the law and the facts he had a good case. But it was not economical to bring.

I've been on the other side of that. Some outraged person demanding justice and after adding up the costs of going to court I have to advise just walking away.

But divorce work is full of cases where people will pay $8,000 to deny their ex-spouse $4,000. On principle.

The proper balance between defense and welfare are the tectonic plates that lie beneath our political discourse.

Most plaintiff's bar lawyers I know

(#25827)

say business has been very bad for many, many years. Juries in Illinois have become quite stingy for at least a decade, maybe longer.

"It's all the trial lawyers fault" is an old canard that is no longer true, if it ever was.

= = =

I used to handle the occasional accident case, but no longer. Too much work for too little money. And Med-mal? No way.

The proper balance between defense and welfare are the tectonic plates that lie beneath our political discourse.

Not everywhere in Illinois...

(#25968)

down in Belleville, all the OB/Gyn doctors have left.

Not The Whole Problem

(#25865)
M Scott Eiland's picture

But--between the threat of lawsuits and defensive medicine--definitely part of it. Personally, the demand for cutting edge medicine without concern for the cost strikes me as the central cause for runaway medical costs.

To strive, to seek, to find, and not to yield.--from Ulysses, by Alfred, Lord Tennyson

I see bloated middle management

(#25867)

and the desire of MBAs and MFAs to grab an increasingly large share of every health care dollar as being the problem.

The proper balance between defense and welfare are the tectonic plates that lie beneath our political discourse.

The system is rigged

(#25814)

by pandering politicians. Of every partisan persuasion.

Many American citizens believe death is optional.

The proper balance between defense and welfare are the tectonic plates that lie beneath our political discourse.

As Teri Schivao reveals

(#25812)

this is a bi-partisan controversy.

Simply not smoking, eating fewer fast foods and exercise would lower American medical costs quite substantially.

= = =

A few weeks ago I was in an Italian restaurant and was seated underneath a photo of the "Rat Pack" -- Frank Sinatra, Sammy Davis Jr, Dean Martin and some other dude. I was astounded at how skinny they all were. Sinatra looked like one of those kids who would get sand kicked on him at the beach.

I savored my astonishment and ordered a killer tiramisu. :-)

The proper balance between defense and welfare are the tectonic plates that lie beneath our political discourse.

Ban smoking altogether

(#25824)

I think it's simply ridiculous that we as a society tolerate a product that slowly kills people at enormous financial and emotional cost to the rest of us.

To head off the inevitable objections or counter-examples, alcohol used in moderation is not inevitably harmful (it may actually be beneficial). Smoking in "moderation" kills. Yes, I'm ok with banning trans fats.

Come, my friends. 'Tis not too late to seek a newer world -- Tennyson

Signs of the collapse of civilization...

(#26056)

I think it's simply ridiculous that we as a society tolerate a product that slowly kills people at enormous financial and emotional cost to the rest of us.

Let's ban automobiles. They kill people all the time. And I hate having to pay for insurance. And fatty foods. And television. So irritating, and a cheif source of obesity. The financial and emotional costs are staggering. And oxygen. One of the most corrosive elements known to man. I wouldn't breathe it if I didn't have to.

Not to mention making babies. All those people, living their lives, not doing what I want. The frustration is terrible for my mental health, and they add to my tax burden.

Predictable but nonetheless disappointing

(#26127)

Why is it that y'all are experts on the "used as it was intended" reasoning when it comes to arguing against gun control laws but apparently find the application of such logic to smoking bans baffling and incomprehensible?

Put another way: "Honey, I'm gonna fire up that cig and ride it to work! Then I'll watch the curls of smoke from my next one to learn about WWII. Oh, and I'll be breathing the smoke all day, since it keeps me alive! Then, when I get home, we can make a baby... by smoking together!"

The cost/benefit to smoking is not particularly hard to figure out. Benefit: once you're addicted, it feels good. Cost: you'll probably die a nasty death. Hmm. The reason people don't quit is obvious, of course: nicotine is alarmingly addictive. Ask anyone who has smoked for more than five years how many times they've tried to quit, and I betcha the answer isn't gonna be zero. Unfortunately, the preferred delivery system for this drug is inevitably and cumulatively harmful. Banning smoking has nothing to do with morals; I could care less if the smokers chew nicotine gum all day (although that's kind of creepy too, but whatever). It's just common sense to avoid an entirely predictable tragedy.

Which makes it hard to understand why politicians wouldn't support such an obvious method of saving money and saving lives. Gosh, you think money had anything to do with it?

According to the Center for Responsive Politics (CRP), in the previous election cycle, the tobacco companies gave more than $6 million in soft money, mainly to the Republican Party. Between 1995 and the end of 2002, Philip Morris alone put up more than $10.7 million (about $9 million to Republicans), making it number four on the all-time soft-money donor list.
When you throw in the jobs involved with growing and processing tobacco, it's not hard to see why politicians ignore the elephant in the room. Maybe change will have to come from the local level, where many businesses prohibit smoking indoors.

Come, my friends. 'Tis not too late to seek a newer world -- Tennyson

Cost/benefit of smoking

(#26245)

Mr. Brendanm98,

Is actually positive, for the government, seeing as we are all going to die anyway. Smoking decreases average lifespans by a couple of years, but usually does so rather late in life, in effect shortening old age, saving years of publicly financed geriatric treatment and reducing the burden on pension systems.

Luis may have a point

(#26257)

It was asserted to me at a dinner (by someone I'd not seen before or since) that the Beijing government supports smoking for precisely these reasons. Kill people off early and demographically it's a big win for the State.

But I assert that crushing NIMBYs with state action is Soviet-style governance; and

Talking up the demographic benefits of smoking reveals a Soviet-style approach to public health.

As an American I find both unacceptable.

The proper balance between defense and welfare are the tectonic plates that lie beneath our political discourse.

When you include all of the costs

(#26253)

associated (perhaps too loosely, I'm open to persuasion) with smoking (scroll down), I believe it's a net cost to the federal government.

But as mentioned below the human cost is too high regardless.

Come, my friends. 'Tis not too late to seek a newer world -- Tennyson

Your analysis is off

(#26261)

Mr. Brendanm98,

Most smokers who die of a smoking-related illness die of heart disease, not cancer.

All people die, and there is no reason why a terminal illness in an 85-year old should be less lingering or cheaper than in a 65-year old. Most of us die ugly.

And that 85-year old will probably have had many treatments, doctors visits and prescriptions for arthritis, heart problems, bone problems, and what have you over the twenty extra years.

And then there is the pension benefit.

And the cost of cigarettes does not come out of the governments revenues. Quite the opposite in fact, they are a good source of tax collections. As for the general economy, cigarettes are just an alternative to other consumer spending. Perhaps the fellow would have purchased more or more expensive beer instead, or eaten more. I find it hard to see an economic problem with smoking.

The human cost of smoking is, unlike the case with narcotics or alcohol, largely confined to the individual.

It's not my analysis

(#26270)

it's the CDC. And SS payouts and tax revenue are taken into account. If you have a more current unbiased source that calculates a comprehensive financial cost/benefit analysis of smoking I'd appreciate you directing me to it.

Come, my friends. 'Tis not too late to seek a newer world -- Tennyson

If only it were so.

(#26251)

Sometimes smoking doesn't kill. Not in a timely fashion, at least. Sometimes the smoker (as in a case I'm aware of) strokes out...and lingers, comatose, for ages while his spouse and kids struggle with the burden. No real net positive to be found in such cases.

Otherwise, I'm sure you're correct. In fact, I'm comforted in the realization that when I used to puff in others' faces, I was performing a patriotic service.

Excess on occasion is exhilarating. It prevents moderation from acquiring the deadening effect of a habit. - W. Somerset Maugham

Ban smoking?

(#26242)

That's a great idea. Because, you know, that's worked so well in the past for alcohol and drugs. An outright ban of smoking would merely create a thriving black market and funnel even more money into organized crime.

The best you could do, maybe, is outlaw all types of tobacco advertising and promotion. You might also regulate the look of tobacco product packaging -- make them all black and white with no graphical elements at all.

My fiancee was looking at some jobs the other night and she showed me a particularly lucrative position at a major tobacco company. I said that you'd need to get paid well for a job like that. You'd need to spend a lot of money on soap.

Guard, protect and cherish your land, for there is no afterlife for a place that started out as Heaven.

You'll get no argument from me on the dangers of smoking ...

(#26146)

... what I object to is the implication that we should take it for granted that anything which "imposes costs", however indirect, on society (particularly because we have *chosen* to take up certain costs) can be banned without a second thought.

We chose to provide medical care for parts of society through tax dollars. We choose to buy insuance rather than paying our own bills out of pockets. We can't use that as an excuse to ban activities that drive up those costs, since we should accept the fact that when we pool risk, we're pooling risks that other people choose to make. We can't use this as an excuse to restrict other people's liberty. If we could, then we could ban mountain climbing, because people are voluntarily exposing themselves to increased risk, and therefore indirectly increasing medical costs for us. You could ban nearly anything on those grounds. Human liberty, including the freedom to engage in risky behavior, shouldn't be curtailed for such trivial reasons.

Well

(#26159)

I personally am in favor of having untrained climbers who tackle mountains beyond their skill level pay for their own rescue, so that gives you an idea of where I'm coming from with this. I don't have a problem holding people accountable for the costs they impose upon others, even in a shared risk setting.

Come, my friends. 'Tis not too late to seek a newer world -- Tennyson

How about ...

(#26278)

... just not covering smoking-related diseases with public financing. I'd go with that.

If you smoke and get lung cancer, you pay out of pocket. We're not going to pick up the tab.

What about second hand smoke?

(#26279)

Also we could tax cigarettes even more and funnel the money into health care for smokers. Kinda like mandatory auto insurance.

A "Big Mac" tax for future by-pass operations?

The proper balance between defense and welfare are the tectonic plates that lie beneath our political discourse.

It should be up to the smokers ...

(#26286)

... if they want to buy extra insurance to cover smoking-related diseases, they are free to do so. if we make it mandatory, then there is no leeway for people to guage whether they should get it or not based on how much they actually smoke. A casual 'social' smoker ends up getting forced to pay the same as a 2 pack a day smoker.

If the tax is on cigarettes

(#26288)

then the more you smoke the more you pay and the reverse.

The proper balance between defense and welfare are the tectonic plates that lie beneath our political discourse.

Should have thrown in ...

(#26293)

... if you have family risk factors, you might buy more insuance. Etcetera. Plus as JKC mentions, not everything is directly dependent on number of packs smoked.

Generally, buying private insurance allows a person to guage his own risks and tailor the amount he wants to spend to his particular needs.

Besides, all other things being equal, I feel it's better to leave things up to the market, than the government anyway.

As it should be...

(#26287)

The number of cigarettes smoked is relevant to lung cancer risk- i.e. the more you smoke, the greater your risk of developing lung cancer. But as far as cardiovascular risk is concerned, one cigarette is as bad as a pack.

Expanded and modified

(#26135)

and perhaps more coherent version of the above thoughts is now here

Come, my friends. 'Tis not too late to seek a newer world -- Tennyson

Smoking in moderation

(#25838)

I dunno, smoking a cigar every day or two I doubt will cause much in the way of damage.

Depends on the size of the cigar, I guess.

It's impossible to debate if people simply hold beliefs that have no grounding in reality.

Depends on a lot of things

(#25851)

but I wouldn't advise it for an extended period of time. But I was mostly thinking of cigarettes.

Come, my friends. 'Tis not too late to seek a newer world -- Tennyson

"You just want to rig a system..."

(#25811)

You're kind of making stuff up at this point.

It's impossible to debate if people simply hold beliefs that have no grounding in reality.

Well ...

(#25965)

... okay "design a system". Whatever.

You're still making stuff up. -nt-

(#26213)

.

It's impossible to debate if people simply hold beliefs that have no grounding in reality.

Are you aware that the Canadian Supreme Court recently

(#25769)

ruled that it was unconstitutional for Canada to ban private health insurance due to the poor quality of the nationalized service?

Politicians spend our money like a pimp with only a week to live.  CJ Boxx

Jackalope

(#25780)

This is a jackalope -- my contention is that the Canadian system is superior to the US system, not that it is good, as such.

I cannot be the only person who is tired of having to point out the presence of rhetorical gamesmanship in place of argumentation.

It's impossible to debate if people simply hold beliefs that have no grounding in reality.

I don't understand your comment but you clearly didn't get mine

(#26069)

The fact that people are opting out of the Canadian system (and are forced to use the courts there to do so) suggests that from a user's point of view their system is not superior to ours. What's so gamey about that point?

BTW, I've had first-hand contact with the Canadian health care system and based on that, no one here would be satisfied with it. I also cannot see anyone setting up a system here that forbids private insurance, like they do.

Politicians spend our money like a pimp with only a week to live.  CJ Boxx

They aren't "opting out"

(#26071)

Did you even read the article?

Guard, protect and cherish your land, for there is no afterlife for a place that started out as Heaven.

Not only that

(#25784)

Canada is not the USA. It has about one tenth the population, a smaller GDP per capita and somewhat more land than the USA. Three quarters of the Canadian population live within 100 miles of the US border.

Canada has many issues that are distinct and different from ones the United States faces and their health care system reflects that.

Guard, protect and cherish your land, for there is no afterlife for a place that started out as Heaven.

That's not exactly correct

(#25774)

George Zeliotis sued and the Supreme Court ruled that he should have the right to obtain private insurance because waiting times for certain procedures -- hip replacement, in the case of Mr. Zeliotis -- were unacceptably long. The decision was stayed and the Canadian government given time to remedy the situation and prevent private insurance from being allowed. It should noted that private insurance, if it were to be allowed, would only be permitted for procedures that were ruled to have unacceptably long waits. Private insurance for procedures not covered by CHA is already permitted. Here is the link to the story.

Guard, protect and cherish your land, for there is no afterlife for a place that started out as Heaven.

Aren't you splitting hairs?

(#26067)

Why doesn't your "unacceptably long waits" equate to my "poor quality of service"? Is having a cancer metastasize before you get an MRI good quality of service?

I have had personal contact with the Canadian health care system in a large city there (Montreal). The several hour waits, lack of availability of doctors, unavailability of appointments etc. would be considered unacceptable even in a low-tier plan here.

Politicians spend our money like a pimp with only a week to live.  CJ Boxx

I don't think so

(#26070)

Poor quality of service implies that the services provided are somehow sub-standard, which is certainly not the case. Yes, there are unacceptably long wait time for certain services, but even those are a small sub-set of service provided.

And I don't know where you live, but I often have long waits for doctors and appointments, depending. My fiancee has been on the phone for days trying to get an emergency appointment with one of her specialists so that she can get a referral to see another specialist so that she can get the medication she needs before she runs out.

Guard, protect and cherish your land, for there is no afterlife for a place that started out as Heaven.

Well, we have a three-tier system:

(#26077)

State-paid (Blue Cross equivalent);
"Average HMO" (Kaiser) - about $300/mo per person or $4-500/family but must use their facilities;
"Premium HMO" - Can use doctor/facilities of your choice - about $600/mo per person and $800 and up per family.

Costs of these vary within about a 20-30% range depending on risk group assignments. Kaiser has a somewhat high reputation for malpractice; you are on your own at the "premium level" AFA this issue is concerned because no one picks for you. There are rarely delays at that level IME.

Which raises another question: what is the equivalent cost, in USD/mo, that an average Canadian worker is "paying" in health care costs there? I know ther is no direct equivalency, but someone must have come up with this number for comparison purposes.

Anyway, I still say that if you have a life-threatening problem (which you won't know until you see a doctor if it's asymptomatic), it's immaterial whether you get bad service on time, or good service when it's too late to help you.

Politicians spend our money like a pimp with only a week to live.  CJ Boxx

a link for the rest of us

(#25770)

link

It wasn't the quality of the care it was the availability of the care. From the linked article:

In a 4-3 decision, the panel of seven justices said banning private insurance for a list of services ranging from MRI tests to cataract surgery was unconstitutional under the Quebec Charter of Rights, given that the public system has failed to guarantee patients access to those services in a timely way.

"And now you run in search of the Jedi. They are all dead, save one. And one broken Jedi cannot stop the darkness that is to come." -Darth Sion

Works for me

(#25771)

Government provides a floor and if people wish to add on extras, well okay.

Besides, folks are flying to India for by-pass surgery and the like because it is less expensive even including airfare and top notch hotel accomodations.

And look, Cuba plays medical capitalist:

A Quebec company is offering to fly Canadian patients fed up with long waiting lists to Cuba for surgery.

But unlike private health care options in North America, patients can get the care they need at half the cost.

The proper balance between defense and welfare are the tectonic plates that lie beneath our political discourse.

That's because the....

(#25773)
Bernard Guerrero's picture

....stupid Cuban system has over-invested in doctors (and in specific types of doctors) and now finds itself with excess capacity. So he's selling it, the greedy capitalist bastard! :^)

-“It is unwise for the government to tell people how they can spend their money” - Barney Frank, Chairman House Financial Services Committee, on on-line gambling, 2009

My point exactly

(#25775)

And we should take full advantage.

The proper balance between defense and welfare are the tectonic plates that lie beneath our political discourse.

FWIW

(#25756)

I've done integration systems for three Blue Cross franchises: I'd like to think I have some sense of what to do here.

The greatest cost of health insurance is administrative overhead. The Blues are not-for-profit, not non-profit, big difference. One Blue, North Carolina, recently applied to go for-profit. Why? So they could dump their government union policies, and concentrate on the single payer. Huge profits.

Here's my answer. In the same way a stock or commodity exchange operates, with a buy matching a sell, and all trades clearing the SEC, a health care system matches providers to patients. All transactions go through a centralized clearing operation. The insurance companies receive their claims information in HIPAA/HL7 format, already required by law. The insurance company pays up immediately, the doctor is paid immediately.

Such a system already connects all the Blues.

Currently, the law of large numbers is being defeated by the insurance companies, who prefer to insure only the healthy, and not in large groups. Insurance companies would compete on the basis of real statistics, such as the automobile insurance industry use.

Such a database might raise privacy issues, but I believe these concerns could be mitigated by the same techniques used by other information exchange mechanisms.

The poor are really not much more expensive than the rich. The poor are expensive because they get treated in the Emergency Room.

Doctors need better insurance too. Malpractice insurance is a huge ripoff. God, I could go on and on about this issue.. :(

The nub of the issue

(#25772)

Currently, the law of large numbers is being defeated by the insurance companies, who prefer to insure only the healthy, and not in large groups. Insurance companies would compete on the basis of real statistics, such as the automobile insurance industry use.

The private sector wishes to cherry pick the healthiest for private insurance coverage and dump the rest on the government. Which is why the insurance industry needs careful regulation.

The proper balance between defense and welfare are the tectonic plates that lie beneath our political discourse.

We need reallocate government

(#25755)

resources. I agree.

We also need to reallocate windfall profits raked in by Big Pharma and the health insurers setting record profits.

Lets make sure there is nothing going on like those Civil War "business men" who would buy lame surplus horses from the Union Army in Baltimore at $5 each and sell 'em back to the Union Army in Philadelphia at $50 each.

The proper balance between defense and welfare are the tectonic plates that lie beneath our political discourse.

More later...

(#25750)

But to begin with, it seems like your gripe isn't with universal coverage... it's with single-payor. You shouldn't confuse the two issues.

"I don't want us to descend into a nation of bloggers." - Steve Jobs