A health care system worth preserving

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Screw_Michigan
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A health care system worth preserving

Post by Screw_Michigan »

We are all literally one serious illness away from losing everything we have. No matter how good you think your insurance is.

Cue mvscunt and Left Shitter crying "BUT BUT BUT how can we afford it?"

While Eat a Penis will blame the victim.

Patients Stuck With Bills After Insurers Don’t Pay As Promised
By Lauren Weber FEBRUARY 7, 2020

The more than $34,000 in medical bills that contributed to Darla and Andy Markley’s bankruptcy and loss of their home in Beloit, Wisconsin, grew out of what felt like a broken promise.

Darla Markley, 53, said her insurer had sent her a letter preapproving her to have a battery of tests at the Mayo Clinic in neighboring Minnesota after she came down with transverse myelitis, a rare, paralyzing illness that had kept her hospitalized for over a month. But after the tests found she also had beriberi, a vitamin deficiency, Anthem Blue Cross and Blue Shield judged that the tests weren’t needed after all and refused to pay — although Markley said she and Mayo had gotten approval.

While Darla learned to walk again, the Markleys tried to pay off the bills. Even after Mayo wrote off some of what they owed, her disability and Social Security checks barely covered her insurance premiums. By 2014, five years after her initial hospitalization, they had no choice but to declare bankruptcy.

Anthem Blue Cross and Blue Shield spokesperson Leslie Porras said company “records do not indicate that Ms. Markley had tests authorized that were later denied.”

Markley said she never would have had the tests done if she had known insurance was not going to pay for them. “I feel for anyone that finds themselves in that predicament,” said Markley, a nurse who was pursuing her Ph.D. in education. “You can go from an upstanding middle-class American citizen to completely under the eight ball.”

The billing quagmire into which the Markleys fell is often called “retrospective denial” and is generating attention and anger from patients and providers, as insurers require preapproval — sometimes called “prior authorization” — for a widening array of procedures, drugs and tests. While prior authorization was traditionally required only for expensive, elective or new procedures, such as a hip replacement or bypass surgery, some insurers now require it for even the renewal of some prescription drugs. Those preapprovals are frequently time-limited.

While doctors and hospitals chafe at the administrative burden, insurers contend the review is necessary to ferret out waste in a system whose costs are exploding and to ensure physicians are prescribing useful treatments.

But patients face an even bigger problem: When insurers revoke their decision to pay after the service is completed, patients are legally on the hook for the bill.

Prior authorizations may now include a line or two saying something like: “This is not a guarantee of payment.” This loophole allows insurers to change their minds after the fact — citing treatments as medically unnecessary upon further review, blaming how billing departments charged for the work or claiming the procedure was performed too long after approval was granted.

In other cases, a patient will be told that no prior authorization is needed for a certain intervention, only to hear afterward that the insurer wanted one in this particular case. It then refuses to pay. Oftentimes, approval conversations happen primarily between the insurer and the provider — leaving the patient further in the dark when the bill appears.

The American Medical Association drafted model legislation to combat the problem for lawmakers to introduce, but the measure has not been widely picked up.

Martha Gaines, director of the Center for Patient Partnerships at the University of Wisconsin Law School, co-authored an article in the Journal of the American Medical Association on the issue and sees firsthand the time and money patients lose fighting such retrospective denials — for coverage they thought they had.

“How broken can you get?” she asked. “How much more laid bare can it be that our health care insurance system is not about health, nor caring, but just for profit?”

The Push-And-Pull Of Prior Authorizations

Many physicians and health care providers consider the extra paperwork needed for prior authorizations a growing scourge that requires them to expand their staff to handle the back-and-forth with insurers. According to an American Medical Association survey released in 2019, 88% of providers reported that the burden of prior authorization has increased over the past five years, forcing them or their staff to spend an average of two business days a week completing them.

The process of prior authorization aims to establish medical necessity to prevent “unnecessary, costly, or inappropriate medical treatments that can harm patients,” according to Cathryn Donaldson, a spokesperson for the America’s Health Insurance Plans industry group.

It’s unknown how many patients get stuck with bills for prior approvals gone wrong. But retrospective denials have become only more common as prior authorizations have increased, said Dr. Debra Patt, an oncologist and chair of the Texas Medical Association’s legislative council.

Her practice has tripled the number of staff who deal with prior authorizations, and she said she is currently trying to get the Texas Medical Association to survey its members on the revocation topic after seeing its impact on her patients, one of whom she said recently had chemotherapy payments denied.

Donaldson said her insurance trade group realizes the process for prior authorizations could be improved and is working with tech companies to help streamline it for all involved. But she added that denials may be simple requests for more information.

“A denial usually occurs because the clinician may not have provided the documentation needed to show that the treatment is necessary,” Donaldson said. “Once that documentation is received, claims may then be approved.”

I wish people would understand that they are one illness away from totally losing everything they worked for. I lost it all in a day.

DARLA MARKLEY
As insurers and providers argue over money, patients are often stuck in the middle.

After Rebecca Freeman’s insurer, Moda Health Plan, approved a genetic test for the Portland, Oregon, woman’s now 5-year-old daughter in 2018 to rule out a serious condition that could cause blindness, the insurer declined to pay after the test was performed.

Moda argued that the dates and billing codes didn’t match up with what was authorized. It told Freeman’s lab company, PreventionGenetics, it wasn’t going to pay, and, eventually, PreventionGenetics billed Freeman.

“Everyone is pushing the blame on everyone else, and I’m left holding the bag — there’s no recourse for the patient,” Freeman said. “Worst case for them is they pay what they were supposed to. You don’t get anything for all your stress and time.”

When Kaiser Health News first asked about the case, Moda spokesperson Jonathan Nicholas said it was still an active claim. “As soon as the lab provides us with correct information, we anticipate prompt payment,” he said.

But Freeman said Moda had denied five claims and appeals on the nearly $2,000 bill for more than a year.

Within days of KHN’s questions, Moda paid the bill.

The Problem With Legalese

Pharmacist Melita Pasagic of Fenton, Missouri, was told by her provider — who had called UnitedHealthcare, her insurer — that her and her husband’s genetic tests needed no prior authorization.

After the tests were performed, though, UnitedHealthcare told Pasagic it had deemed the tests medically unnecessary and would not pay for them. Later when she called, she said, the insurer cited a coding discrepancy. Although Pasagic spent hours on the phone appealing the decision, the insurer didn’t budge. The genetic testing company sent the $5,000 bill to collections.

“How can you deny anything post-service for medical necessity?” she said. “If it didn’t require a pre-review, why does it have a post-review?”

Pasagic said she plans to take UnitedHealthcare to court over it. The insurance company said the testing was never covered in the first place.

“While certain procedures, tests and drugs may not require prior authorization, individuals should still confirm that the services are covered under their benefit plans,” UnitedHealthcare spokesperson Maria Gordon Shydlo said.

Typically, there’s no penalty for insurance companies that play games with prior authorizations, Gaines said, calling denials and delays integral to their business model.

The National Association of Insurance Commissioners has formed a working group to investigate the revocations following a presentation in December by Patt, of the Texas Medical Association. The Minnesota and Pennsylvania departments of insurance both said they had seen complaints regarding retrospective denials of prior authorizations. But quick fixes are unlikely.

“There’s no silver bullet for this issue, so we encourage consumers to remain vigilant,” said Katie Dzurec, acting director for the Health Market Conduct Bureau in Pennsylvania. “Ask questions, review documents and contact the insurance department.”

Markley hopes this doesn’t happen to more people.

“I wish people would understand that they are one illness away from totally losing everything they worked for,” Markley said. “I lost it all in a day.”
kcdave wrote: Sat Sep 09, 2023 8:05 am
I was actually going to to join in the best bets activity here at good ole T1B...The guy that runs that contest is a fucking prick
Derron wrote: Sat Oct 03, 2020 3:07 pm
You are truly one of the worst pieces of shit to ever post on this board. Start giving up your paycheck for reparations now and then you can shut the fuck up about your racist blasts.
Kierland

Re: A health care system worth preserving

Post by Kierland »

The CEOs got the premiums and an extra 34k. What the problem?
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L45B
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Re: A health care system worth preserving

Post by L45B »

Move to Cuba. I hear the real estate market is great and the healthcare is free. Vote with your feet.
“My dentist, that’s another beauty, my dentist, you kiddin’ me. It cost me five thousand dollars to have all new teeth put in. Now he tells me I need braces!” —Rodney Dangerfield
EAP
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Re: A health care system worth preserving

Post by EAP »

Nothing's gonna save you.
Just ask paul allen and steve jobs.

Doesn't matter if you have the best of the best care in the universe. Just ask those two.

You're fear mongering just makes you look stupid.
Yes, you and kierland are stupid.

Nothing is free except your birth and death. That's on the house.
Everything else you pay for.
And if you don't understand that?
You proved that you're stupid.

We already knew you and kierland were stupid when you said the police spilled OJ's DNA all over Ron and Nicole's bodies.

Now, no one takes you clowns seriously.
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Screw_Michigan
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Re: A health care system worth preserving

Post by Screw_Michigan »

L45B wrote: Fri Feb 07, 2020 9:46 pm Move to Cuba. I hear the real estate market is great and the healthcare is free. Vote with your feet.
Of course a filthy Wall Streeter would think insurance companies stealing from patients would be acceptable behavior.

Fuck you.
kcdave wrote: Sat Sep 09, 2023 8:05 am
I was actually going to to join in the best bets activity here at good ole T1B...The guy that runs that contest is a fucking prick
Derron wrote: Sat Oct 03, 2020 3:07 pm
You are truly one of the worst pieces of shit to ever post on this board. Start giving up your paycheck for reparations now and then you can shut the fuck up about your racist blasts.
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Screw_Michigan
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Re: A health care system worth preserving

Post by Screw_Michigan »

Kierland wrote: Fri Feb 07, 2020 9:40 pm The CEOs got the premiums and an extra 34k. What the problem?
How can we afford anything else?

My favorite part about all this is how the insurance companies stiff the patients until jizz moppers come calling. Then they fall over themselves to reverse themselves.
kcdave wrote: Sat Sep 09, 2023 8:05 am
I was actually going to to join in the best bets activity here at good ole T1B...The guy that runs that contest is a fucking prick
Derron wrote: Sat Oct 03, 2020 3:07 pm
You are truly one of the worst pieces of shit to ever post on this board. Start giving up your paycheck for reparations now and then you can shut the fuck up about your racist blasts.
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The State
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Re: A health care system worth preserving

Post by The State »

We'll (San Francisco) be removing the Fat Fucking Retard from office at the end of his term.

We may remove him sooner if we decide to expose him for marrying a tranny.

I can't tell you how we've come across this info... but I'll leak a little tidbit.




Here's a picture of Michael's (Melania) mom we have on file.



Image




This is just the beginning...
EAP wrote: Fri Jan 10, 2020 10:39 am The STATE has all the answers
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Screw_Michigan
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Re: A health care system worth preserving

Post by Screw_Michigan »

88 wrote: Fri Feb 07, 2020 11:06 pm We are a country of laws. And no one is above them, especially President Donald J. Trump.
Couldn't help but start lying 17 words into your post. Lie, lie, lie, that's all you Trumpsters do.
kcdave wrote: Sat Sep 09, 2023 8:05 am
I was actually going to to join in the best bets activity here at good ole T1B...The guy that runs that contest is a fucking prick
Derron wrote: Sat Oct 03, 2020 3:07 pm
You are truly one of the worst pieces of shit to ever post on this board. Start giving up your paycheck for reparations now and then you can shut the fuck up about your racist blasts.
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Softball Bat
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Re: A health care system worth preserving

Post by Softball Bat »

SM wrote:We are all literally one serious illness away from losing everything we have. No matter how good you think your insurance is.
True.

Good luck, people.
Image
88 wrote:I have no idea who Weaselberg is
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The State
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Re: A health care system worth preserving

Post by The State »

Image
EAP wrote: Fri Jan 10, 2020 10:39 am The STATE has all the answers
Kierland

Re: A health care system worth preserving

Post by Kierland »

L45B wrote: Fri Feb 07, 2020 9:46 pm Move to Cuba. I hear the real estate market is great and the healthcare is free. Vote with your feet.
America: love it or leave.
The intellectual equivalent of IKYABWAI.
Kierland

Re: A health care system worth preserving

Post by Kierland »

88 wrote: Fri Feb 07, 2020 11:06 pm We are a country of laws. And no one is above them, especially President Donald J. Trump. But it is also true insofar as private health insurance companies are concerned. One would have thought that when Our Dear Leader, President Barack H. Obama, hallowed be thy name, and his merry band of Team D All-stars took control over America's private health insurance marketplace, which Klepto Joe declared was a very big fucking deal as I recall, and ordered every American to buy private health insurance whether they wanted to or not (or else face a fine, not a tax, OK a tax), they would have had the compassion, intelligence and foresight to also pass legislation relating to prior authorization requirements for covered procedures. But then again, their was that small glitch that caused the entire system to implode for months and months. Something like that will never happen again. I'm sure.
So Obama didn’t save us from you and your klepto friends. Shame on him.

“Clearly, what we should do is ignore the courts, turn the entire economy over to Bernie Bros and life will just be fucking great.”
WTF are you babbling on about know? You couldn’t read a court case with 10 more years of law school you fucking hack POS desk jockey.
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L45B
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Re: A health care system worth preserving

Post by L45B »

Ok, so make medical care “free” for everyone so that people like this don’t carry a large tab.

How long does everyone have to get today’s quality of care before the medical industry nosedives and turns into today’s version of government-run education?

10 years?
20 years?

Nobody wants to be a teacher today. Tomorrow nobody will want to be a doctor. That’s what socialized industry does— ensures there’s more people than loaves of bread.
“My dentist, that’s another beauty, my dentist, you kiddin’ me. It cost me five thousand dollars to have all new teeth put in. Now he tells me I need braces!” —Rodney Dangerfield
Kierland

Re: A health care system worth preserving

Post by Kierland »

First nice edit you fucking tard.
Second wtf does that case have to do with the ignoring the court and turning the government over to Bernie?
Third I understand the EC just fine, wtf does that have to do with health care?
Lastly you are are stupid fucking nazi POS.
Kierland

Re: A health care system worth preserving

Post by Kierland »

L45B wrote: Sat Feb 08, 2020 1:57 am Ok, so make medical care “free” for everyone so that people like this don’t carry a large tab.

How long does everyone have to get today’s quality of care before the medical industry nosedives and turns into today’s version of government-run education?

10 years?
20 years?

Nobody wants to be a teacher today. Tomorrow nobody will want to be a doctor. That’s what socialized industry does— ensures there’s more people than loaves of bread.
The medical industry is already in a nose dive. If you can’t even see it’s broken why should anyone listen to you about its future?
And the education system (outside of racism) worked just fine for over a hundred years. Socialism didn’t break it. Greedy stupid fucks like you did.
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Re: A health care system worth preserving

Post by L45B »

Jeezus 88, why did you have to be such a greedy and racist asshole explaining general logic like that?

Instead you should have been apologizing to the board gestapo for why you weren’t contributing or flat out paying the full $34k of that family’s medical debt. You greedy, racist asshole you.
“My dentist, that’s another beauty, my dentist, you kiddin’ me. It cost me five thousand dollars to have all new teeth put in. Now he tells me I need braces!” —Rodney Dangerfield
Kierland

Re: A health care system worth preserving

Post by Kierland »

Logic? What would you know about logic?
He lied about what is being proposed. He didn’t mention the billions for profit insurance companies make. He knows we can pay for it if he stops voting for MIC war mongers. He is literally saying some people, Americans mind you, are just too expensive. That making the pool THAT big is bad. Fuck them. Capitalism has deemed them to risky. He cries about Dr Flight but gets on planes maintained by people who make much less than doctors. Even though most dr visits are: here is a pill or a cream see ya later.

You might want to let them eat cake...
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Re: A health care system worth preserving

Post by EAP »

L45B wrote: Sat Feb 08, 2020 1:57 am Ok, so make medical care “free” for everyone so that people like this don’t carry a large tab.

How long does everyone have to get today’s quality of care before the medical industry nosedives and turns into today’s version of government-run education?

10 years?
20 years?

Nobody wants to be a teacher today. Tomorrow nobody will want to be a doctor. That’s what socialized industry does— ensures there’s more people than loaves of bread.
100% correct sir.
And yet kierland and the other left wing sheep don't understand a word of that.

Shows you how fuckin stupid these left wingers are.
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Screw_Michigan
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Re: A health care system worth preserving

Post by Screw_Michigan »

Kierland wrote: Sat Feb 08, 2020 6:37 am Logic? What would you know about logic?
He lied about what is being proposed. He didn’t mention the billions for profit insurance companies make. He knows we can pay for it if he stops voting for MIC war mongers. He is literally saying some people, Americans mind you, are just too expensive. That making the pool THAT big is bad. Fuck them. Capitalism has deemed them to risky. He cries about Dr Flight but gets on planes maintained by people who make much less than doctors. Even though most dr visits are: here is a pill or a cream see ya later.

You might want to let them eat cake...
This is their logic

1. Will never happen to me, so I don't care
2. They deserved it in some way, so I don't care
3. We can't afford it, so I don't care

We are the only developed planet on the face of the earth that does not provide socialized health care. Our economy will not implode if we do.
kcdave wrote: Sat Sep 09, 2023 8:05 am
I was actually going to to join in the best bets activity here at good ole T1B...The guy that runs that contest is a fucking prick
Derron wrote: Sat Oct 03, 2020 3:07 pm
You are truly one of the worst pieces of shit to ever post on this board. Start giving up your paycheck for reparations now and then you can shut the fuck up about your racist blasts.
Kierland

Re: A health care system worth preserving

Post by Kierland »

EAP wrote: Sat Feb 08, 2020 1:01 pm
L45B wrote: Sat Feb 08, 2020 1:57 am Ok, so make medical care “free” for everyone so that people like this don’t carry a large tab.

How long does everyone have to get today’s quality of care before the medical industry nosedives and turns into today’s version of government-run education?

10 years?
20 years?

Nobody wants to be a teacher today. Tomorrow nobody will want to be a doctor. That’s what socialized industry does— ensures there’s more people than loaves of bread.
100% correct sir.
And yet kierland and the other left wing sheep don't understand a word of that.

Shows you how fuckin stupid these left wingers are.
He writes drivel, I refute it, you ignore that and pimp him.
Your process is wack 88nazis and you are a fucking POS robber baron.
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Re: A health care system worth preserving

Post by L45B »

What happens when the good doctor refuses to operate or leaves the field because it isn’t worth the hassle of dealing with patient overflow, lack of funding, lack of appropriate medical equipment, lack of resources?

Do your government control authoritarians crack the whip and force the doctor back into the operating room?

That’ll work until the incentive to become a doctor in the first place completely vanishes. Then what?

Wait in line for six months for your moldy loaf of bread, that’s what.
“My dentist, that’s another beauty, my dentist, you kiddin’ me. It cost me five thousand dollars to have all new teeth put in. Now he tells me I need braces!” —Rodney Dangerfield
EAP
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Re: A health care system worth preserving

Post by EAP »

L45B wrote: Sat Feb 08, 2020 4:06 pm What happens when the good doctor refuses to operate or leaves the field because it isn’t worth the hassle of dealing with patient overflow, lack of funding, lack of appropriate medical equipment, lack of resources?

Do your government control authoritarians crack the whip and force the doctor back into the operating room?

That’ll work until the incentive to become a doctor in the first place completely vanishes. Then what?

Wait in line for six months for your moldy loaf of bread, that’s what.
With every post you make kierland look like the spazzed out looney he is.

You bring up facts, he just screams out "nazi".

Who handles the kierland troll?
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The Big Pickle
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Re: A health care system worth preserving

Post by The Big Pickle »

EAP wrote: Sat Feb 08, 2020 4:10 pm
Who handles the kierland troll?

A crazy lunatic midget with a gun!!! :shock: :shock: :shock:
Kierland

Re: A health care system worth preserving

Post by Kierland »

EAP wrote: Sat Feb 08, 2020 4:10 pm
L45B wrote: Sat Feb 08, 2020 4:06 pm What happens when the good doctor refuses to operate or leaves the field because it isn’t worth the hassle of dealing with patient overflow, lack of funding, lack of appropriate medical equipment, lack of resources?

Do your government control authoritarians crack the whip and force the doctor back into the operating room?

That’ll work until the incentive to become a doctor in the first place completely vanishes. Then what?

Wait in line for six months for your moldy loaf of bread, that’s what.
With every post you make kierland look like the spazzed out looney he is.

You bring up facts, he just screams out "nazi".

Who handles the kierland troll?
Says the guy who types socialism every second word and then says he posts facts when he doesn’t after I posted facts which he ignores.

I get the process. I know you just throw shit out there like Don the Con. Just flood the zone. Try and pretzel every argument.

Fuck you 88, you nazi POS.
EAP
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Re: A health care system worth preserving

Post by EAP »

Kierland wrote: Sat Feb 08, 2020 4:24 pm
EAP wrote: Sat Feb 08, 2020 4:10 pm
L45B wrote: Sat Feb 08, 2020 4:06 pm What happens when the good doctor refuses to operate or leaves the field because it isn’t worth the hassle of dealing with patient overflow, lack of funding, lack of appropriate medical equipment, lack of resources?

Do your government control authoritarians crack the whip and force the doctor back into the operating room?

That’ll work until the incentive to become a doctor in the first place completely vanishes. Then what?

Wait in line for six months for your moldy loaf of bread, that’s what.
With every post you make kierland look like the spazzed out looney he is.

You bring up facts, he just screams out "nazi".

Who handles the kierland troll?
Says the guy who types socialism every second word and then says he posts facts when he doesn’t after I posted facts which he ignores.

I get the process. I know you just throw shit out there like Don the Con. Just flood the zone. Try and pretzel every argument.

Fuck you 88, you nazi POS.
Are you the pot calling the kettle black?

YOU just said you want LESS government than me, which is a.complete lie.
Because in the same breath, you said that Bernie Sanders makes the most sense of all the dems running for president.
You agree with Bernie Sanders on most everything.

To which I replied, ARE YOU CLINICALLY INSANE?

Because anyone with an IQ above retard levels, understands that Bernie Sanders is the face OF BIG GOVERNMENT CONTROL SOCIALISM!
In other words dimwit, Bernie is the Peter North of BIG GOVERNMENT CONTROL.

You talk out of both sides of your ass. And you make zero sense.
Kierland

Re: A health care system worth preserving

Post by Kierland »

Yes we all get it, you are too dumb to figure out how that could be possible even though it’s already been laid out for you.

You really are a stupid POS 88.
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Truman
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Re: A health care system worth preserving

Post by Truman »

Couple of questions for the Board's libtards:

Screw_America: Where is it written that it is the function of the our government to provide you with healthcare insurance? Amendment, section, article and clause, please. And "but, but, but Europe" is not an argument. We're a constitutional republic, fuckface. Health care insurance is not a Right. Where does it end? Housing? Student loans? Jobs? Fuck off, you talentless, fucking Red.

Weeland: Spot-on asshole. The finest health care this country has to offer at a pittance to all citizens - and illegals? HOW do you propose to pay for it? Tax the rich? You ARE the rich, you disingenuous fuckhole. You have the option to pay MORE to the Fed to address the problem with each quarterly check you scratch. Yay Weeland! He's making a difference!

Every time you step in a pile of human shit on a San Francisco sidewalk, people rally to you to assure you that youre not melting. 88 is in your dome. Here's hoping that next Tenderloin fag that fists your midget ass ruptures your colon...
Kierland

Re: A health care system worth preserving

Post by Kierland »

I was taking your lead Lieman, I hadn’t seen where you sent extra cheese to Cheetolini for your wall, or whatever right wing fetish you currently have.

Are you people actual adults? These are real “arguments” you think hold weigh?
Good fucking god.
EAP
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Re: A health care system worth preserving

Post by EAP »

Kierland wrote: Sun Feb 09, 2020 4:25 am I was taking your lead Lieman, I hadn’t seen where you sent extra cheese to Cheetolini for your wall, or whatever right wing fetish you currently have.

Are you people actual adults? These are real “arguments” you think hold weigh?
Good fucking god.
Truman's post to you was HALL OF FAME WORTHY.

He raised serious questions which you have absolutely no answer for.
The reason why you can't answer Truman is because leftism is based on emotion. Zero logic.

Dr. Dennis Prager fully explains this.
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Re: A health care system worth preserving

Post by atmdad »

What the hell is wrong for treating insurance for what it is meant for? Taking care of things when shit hits the fan.

The HMO plans and there like are crap, $10 - $40 copays etc. for people to go to the doctor whenever they have a pimple on their ass.

High Deductible plans with (tax free) Health Savings Accounts are the way to make things work. Pay as you go until you hit a limit ($5K or so) then insurance kicks in.

Prescription meds are an entire different conversation though. Big Pharma needs to be reeled in.
EAP
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Re: A health care system worth preserving

Post by EAP »

atmdad wrote: Sun Feb 09, 2020 6:32 am What the hell is wrong for treating insurance for what it is meant for? Taking care of things when shit hits the fan.

The HMO plans and there like are crap, $10 - $40 copays etc. for people to go to the doctor whenever they have a pimple on their ass.

High Deductible plans with (tax free) Health Savings Accounts are the way to make things work. Pay as you go until you hit a limit ($5K or so) then insurance kicks in.

Prescription meds are an entire different conversation though. Big Pharma needs to be reeled in.
BINGO! Big pharma needs to be way more reasonable.
I totally understand that the research and development of drugs is extremely expensive and takes years, we get that.
But ultimately, what good is it if the drugs are unaffordable?
Imagine if Flat screen TVs stayed at 30 grand? What good would that have been? Only a very chosen few would've been able to purchase one.

Several years back, former president Jimmy Carter had stage 4 brain cancer which spread to his liver and elsewhere. HOWEVER, he was given an insanely expensive new drug which cloaked the cancer cells message of "don't eat me".
And as a result, Jimmy's own immune system swooped in like shutyomouth at the "all-you-can-eat Buffett". Bye bye cancer.
Today, jimmy is cancer free.
Stage 4 folks. To cancer free.
Get those ground breaking expensive cutting edge drugs in the hands of all cancer patients, not just the rich and powerful.

Ya feel me?
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Screw_Michigan
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Re: A health care system worth preserving

Post by Screw_Michigan »

atmdad wrote: Sun Feb 09, 2020 6:32 am What the hell is wrong for treating insurance for what it is meant for? Taking care of things when shit hits the fan.

The HMO plans and there like are crap, $10 - $40 copays etc. for people to go to the doctor whenever they have a pimple on their ass.

High Deductible plans with (tax free) Health Savings Accounts are the way to make things work. Pay as you go until you hit a limit ($5K or so) then insurance kicks in.

Prescription meds are an entire different conversation though. Big Pharma needs to be reeled in.
Did you even read the fucking story I posted? Can you even read?
kcdave wrote: Sat Sep 09, 2023 8:05 am
I was actually going to to join in the best bets activity here at good ole T1B...The guy that runs that contest is a fucking prick
Derron wrote: Sat Oct 03, 2020 3:07 pm
You are truly one of the worst pieces of shit to ever post on this board. Start giving up your paycheck for reparations now and then you can shut the fuck up about your racist blasts.
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Screw_Michigan
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Re: A health care system worth preserving

Post by Screw_Michigan »

L45B wrote: Sat Feb 08, 2020 4:06 pm What happens when the good doctor refuses to operate or leaves the field because it isn’t worth the hassle of dealing with patient overflow, lack of funding, lack of appropriate medical equipment, lack of resources?

Do your government control authoritarians crack the whip and force the doctor back into the operating room?

That’ll work until the incentive to become a doctor in the first place completely vanishes. Then what?

Wait in line for six months for your moldy loaf of bread, that’s what.
Right, there are no doctors in Canada, France, Germany, Spain, Portugal, the UK. How could I forget?
kcdave wrote: Sat Sep 09, 2023 8:05 am
I was actually going to to join in the best bets activity here at good ole T1B...The guy that runs that contest is a fucking prick
Derron wrote: Sat Oct 03, 2020 3:07 pm
You are truly one of the worst pieces of shit to ever post on this board. Start giving up your paycheck for reparations now and then you can shut the fuck up about your racist blasts.
EAP
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Re: A health care system worth preserving

Post by EAP »

Screw_Michigan wrote: Sun Feb 09, 2020 3:35 pm
L45B wrote: Sat Feb 08, 2020 4:06 pm What happens when the good doctor refuses to operate or leaves the field because it isn’t worth the hassle of dealing with patient overflow, lack of funding, lack of appropriate medical equipment, lack of resources?

Do your government control authoritarians crack the whip and force the doctor back into the operating room?

That’ll work until the incentive to become a doctor in the first place completely vanishes. Then what?

Wait in line for six months for your moldy loaf of bread, that’s what.
Right, there are no doctors in Canada, France, Germany, Spain, Portugal, the UK. How could I forget?
Please don't embarrass yourself any further.
We all know about the horror of having to wait 8 months for cancer surgery when you'll be dead in 4 months.

Our system is the best on planet earth. The only problem is the huge costs.

If we can fix that one issue, it will be pure perfection.
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L45B
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Re: A health care system worth preserving

Post by L45B »

Screw_Michigan wrote: Sun Feb 09, 2020 3:35 pm Right, there are no doctors in Canada, France, Germany, Spain, Portugal, the UK. How could I forget?
Once again, vote with your feet. If it’s free and it’s great, go there and take it.
“My dentist, that’s another beauty, my dentist, you kiddin’ me. It cost me five thousand dollars to have all new teeth put in. Now he tells me I need braces!” —Rodney Dangerfield
EAP
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Re: A health care system worth preserving

Post by EAP »

L45B wrote: Sun Feb 09, 2020 5:45 pm
Screw_Michigan wrote: Sun Feb 09, 2020 3:35 pm Right, there are no doctors in Canada, France, Germany, Spain, Portugal, the UK. How could I forget?
Once again, vote with your feet. If it’s free and it’s great, go there and take it.
Screw strikes me as a rabble rouser.
An agent provocateur.

He knows that nothing in life is free except birth and death.
But like all left wing types, they know that their empty rhetoric will sway the low IQ masses.

That's how socialists like Hitler and Mussolini gained power.
Brainwashing the low IQ disaffected masses.

FEEL THE BERN!!!!!
BSmack
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Re: A health care system worth preserving

Post by BSmack »

Once again, vote with your feet. If it’s free and it’s great, go there and take it.
Or we can stand and fight for the same healthcare in our own country.
"Once upon a time, dinosaurs didn't have families. They lived in the woods and ate their children. It was a golden age."

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Re: A health care system worth preserving

Post by Kierland »

L45Braincells can’t think I’m such complex terms.
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smackaholic
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Re: A health care system worth preserving

Post by smackaholic »

I will admit that the American healthcare system we have today is worse than a gubmint single payer system, thanks to the assfukking Obamacare gave it.

This doesn't mean we should go single payer. I think we could improve the private system. Partly by getting gubmint the fukk out of it...and partly by getting them into the one area that I think they can help, pre-existing conditions.

The current trend is that many, including Republicans, even the crazy orange guy, thinks that forcing insurance companies to foot the bill, is a good idea.

It isn't, for a few reasons.

If you force insurance companies to cover them, you are telling people, don't waste your money on insurance....until you're fukked up. This increase of healthy people sitting on the sideline completely fukks the actuarial math. And, as 88 says, putting the insurance companies on the hook for these costs results in a huge rise in premiums.

These 2 factors just feed off each other. So the question is, what is the answer? Tell people with pre-existing conditions to fukk the fukk off?

No.

Why not just put people in this system into a medicare type of program. I mean being old is basically a pre-existing condition. Oh, and one other thing. If you are on any government provided healthcare system, you forfeit all tort rights. You wanna sue? Buy your own insurance.

If we take pre-existing conditions off the table, rates drop considerably.

Another thing we need to do is deregulate things to allow people with training less than the MD level, be allowed to treat people. A half way competent RN can diagnose and treat people for the large majority of routine medical treatment. We could also put a lot of treatment on line. Anyone would be able to pick up a phone, talk to an RN and get treated for routine shit like earaches. Such an arrangement could be done for 20 bucks cash.

Doing these few things would return us to a system we had 50 years ago which was largely direct fee for service.

Another thing I would like to see is a divorce between insurance coverage and employers. Pay people this money and let them pick their provider and level of coverage. One of the big knocks on insurance companies is the way they shit on the customer by withholding payment.

And why is this?

It is partly because the customer can't fire the insurance company.

Give him this ability and maybe they'll start being treated like actual patients.
mvscal wrote:The only precious metals in a SHTF scenario are lead and brass.
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Dinsdale
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Re: A health care system worth preserving

Post by Dinsdale »

If you think health care is expensive now, just wait until it's free.
I got 99 problems but the 'vid ain't one
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