CBO: Healthcare Premiums will Remain Stable or Rise

Re: CBO: Healthcare Premiums will Remian Stable or Rise

PostBy: Richard S. On: Mon Nov 30, 2009 11:09 pm

tvb wrote:
This alone would save millions. .


It's much more than millions, maybe millions per hospital. ;) The last figure I heard was 25% of healthcare costs are administrative.
Richard S.
 
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Re: CBO: Healthcare Premiums will Remian Stable or Rise

PostBy: jpete On: Wed Dec 02, 2009 6:53 pm

tvb wrote:And unless strict controls are put in place and this probably includes a public option so that the robber barons have real competition, the rates are going to rise.


You mean those who benefit from the robber barons.....Congress, don't want to kill their golden goose.

How come your boy Harry Reid didn't do the ONE SIMPLE THING he could have done? That was repeal the 1945 McCarran Ferguson Act.

http://hcrenewal.blogspot.com/2009/10/n ... llows.html

In a rare appearance as a witness at a Senate hearing, the majority leader, Harry Reid of Nevada, told the Judiciary Committee on Wednesday that it should repeal a 1945 law that granted the insurance industry limited exemption to national antitrust laws by allowing states to regulate insurers.


That "limited exemption" gives insurance companies the ability to fix prices.

This whole "reform" issue is BS, and anyone who is for it is a stooge. It's simply a way to extract more money from the taxpayers to cover up decades of theft from Medicare and SS by Congress.
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Re: CBO: Healthcare Premiums will Remian Stable or Rise

PostBy: jpete On: Wed Dec 02, 2009 6:57 pm

tvb wrote:What is your solution then? Every single republican (and a fair number of DINOs ) in congress is against the public option which would offer some hope of reining in prices through competition. Without competition or supposedly "unfair" controls on private business, how does one put a stop to runaway premiums?


How does Q-liance offer coverage so cheaply? Maybe we should model a system on their business model.


http://www.qliance.com/fees.html
This link is broken, either the page no longer exists or there is some other issue like a typo.


To become a Qliance patient, you pay a one-time, $99 registration fee. After you are registered, you pay an affordable monthly care fee based upon your age. For families, the registration fee is only charged once per billing account (not per person). The discounted $39 child rate applies to children (ages 0-19) of adult Qliance patients.


Too bad CONGRESS won't let the people buy insurance across state lines. Why does Congress hate the population so much?
jpete
 
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Re: CBO: Healthcare Premiums will Remian Stable or Rise

PostBy: jpete On: Wed Dec 02, 2009 7:01 pm

stockingfull wrote:You also need to score fairly, and that means to take into account the benefits of investing in preventative care, which the CBO has been hesitant to do.


http://press.novonordisk-us.com/index.php?s=43&item=216
This link is broken, either the page no longer exists or there is some other issue like a typo.


This is something the insurance industry has known for well over a generation. I had one of the first HMO's offered to me by an HR person in 1974 -- for the same cost as straight BC/BS. And that HMO included everything that BC/BS covered. So the wellness care was free.

In healthcare, an ounce of prevention literally is worth a pound of cure. You can cover a whole lot of people for what it costs to treat a few really sick people. And you can keep those people from getting sick. There are hundreds of yachts owned by insurance barons which the CBO could look to as proof of the savings.

So, of all the groups in the healthcare debate, the insurance industry knows best of all that the CBO cost estimates are unrealistically high. Think they'll chime in with the truth???


HMO's were like going to your local heroin dealer. He gave it to you cheap to get you hooked and then lowered the boom. You can thank Richard Nixon and Ted Kennedy (RIH) for that.

http://www.capmag.com/article.asp?ID=2819

http://en.wikisource.org/wiki/Transcrip ... ct_of_1973:


Ehrlichman: “Edgar Kaiser is running his Permanente deal for profit. And the reason that he can … the reason he can do it … I had Edgar Kaiser come in … talk to me about this and I went into it in some depth. All the incentives are toward less medical care, because …”

President Nixon: [Unclear.]

Ehrlichman: “… the less care they give them, the more money they make.”

President Nixon: “Fine.” [Unclear.]

Ehrlichman: [Unclear] “… and the incentives run the right way.”

President Nixon: “Not bad.”
jpete
 
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Re: CBO: Healthcare Premiums will Remian Stable or Rise

PostBy: stockingfull On: Thu Dec 03, 2009 10:08 am

jpete wrote:HMO's were like going to your local heroin dealer. He gave it to you cheap to get you hooked and then lowered the boom. You can thank Richard Nixon and Ted Kennedy (RIH) for that.

I've seen the Nixon-Ehrlichmann transcript before. And I don't disagree that the HMO business model was designed to grab control of the market and thereby the power to dictate costs, no doubt with an assist from the "Hotels on Boardwalk," if you'll pardon the metaphor. (In fact, I worked on a hospital bankruptcy which was the direct result of that brutal price-fixing. A lot of good hospitals went down struggling against the insurance monopoly. What would the screaming have sounded like if all that price-chopping had been done by the gov't in the name of Medicare or some other "public option"?)

But it ain't rocket science that wellness care is not only preferable to but a whole lot cheaper than acute care for the sick.

It's controlling costs which is the much more difficult problem. If the gov't does it by denying services, you've quite literally got "rationing" (to wit, the recent flap over the age at which mammograms are statistically "efficacious"); if they do it directly on the cost side, it'll take a nanosecond longer for the pols to characterize it as "indirect rationing by reduction in capacity" (i.e., the barbaric "Canadian" or "British" models).

But where was the screaming when the insurers were doing those exact same things? And why are they immune now from accountability for 35 years of that?
stockingfull
 
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Re: CBO: Healthcare Premiums will Remain Stable or Rise

PostBy: jpete On: Thu Dec 03, 2009 10:12 pm

It wasn't JUST the "greedy" HMO's. The HMO Act MANDATED that any company which offered an individual insurance plan, HAD TO offer an HMO.

The insurance companies were colluding(or buying, take your pick) with the government against the people.

Now that the HMO Act has expired, you see PPO's. And they take the previous business model and turns it up to 11.

Do you think the link between the insurance company and Congress is broken? I don't care what they say. "Reform" is good ONLY for the insurance companies.

And if BHO goes the other way and tries to implement price controls, which is the only way they can "force" prices down, then he can forget those comparisons to Lincoln and move straight to Carter. Price controls are a failure from the word go.

If he wants to lower the cost of insurance, allow competition. Let people buy insurance across state lines. It works for car, life, and homeowners insurance. Why not health insurance?

As far as "wellness" goes, isn't that a persons responsibility? Does your car insurance cover oil changes and tune ups? Wellness checkups shouldn't automatically be part of insurance. If a person WANTS it, then they can pay for it.

My company is trying to FORCE us into this wellness BS. It's all about control and extracting as much money from the people. Don't think your government cares about you. You are a "revenue stream", not a citizen or a person.
jpete
 
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