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30ashopper

SoWal Insider
Apr 30, 2008
6,845
3,471
59
Right here!
I think 10%+ of people's income ought to cover expenses. :roll:

Depends, if you use more than you pay, then 10% is pretty reasonable. (independent of how much healthcare actually costs, which is a different matter entirely.) Most people are paying for their cost plus the cost of those that use more than they pay for. So 10%+ is what your coverage costs plus some percentage of the cost for other folks in your plan.

If we could bring the cost of actual care down, that would go a long way to reducing what you pay for your coverage and others.
 
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scooterbug44

SoWal Expert
May 8, 2007
16,706
3,339
Sowal
My point was that the problem is not a lack of money flowing through these poor innocent insurance companies.

Totally agree we need to reduce costs - and I know that whether it's a single payer system, socialism, or the current private insurance companies I am currently paying other people's health care bills.
 

Miss Critter

Beach Fanatic
Mar 8, 2008
3,397
2,125
My perfect beach
WASHINGTON (The Borowitz Report) -- Just hours after rocking the political world with his surprise retirement announcement, Sen. Evan Bayh (D-Ind) said that he would undergo treatment for an "all-consuming addiction" to the popular Facebook game Farmville.
"I realized that I had to make a choice between being a United States senator and tending my imaginary farm," a tearful Mr. Bayh told reporters. "I had to look at myself in the mirror and acknowledge that I had a problem."
Majority Leader Harry Reid said that he was shocked by Sen. Bayh's admission, adding, "This is all the more surprising because he hails from a farm state, where there are plenty of actual farms he could take care of."
Elsewhere, a New York Times reporter accused of plagiarism commented on the scandal, calling it "the best of times and the worst of times." More here.


:rotfl::rotfl:

Oh, thank God! I thought the Facebook Mafia was after him. :D
 

Matt J

SWGB
May 9, 2007
24,862
9,670
Could someone point me in the direction of a website that shows the bonuses or programs that health insurance companies offer doctors, nurses, or any health care provider for reducing smoking and obesity rates?
 

Minnie

Beach Fanatic
Dec 30, 2006
4,328
829
Memphis
The Speech

Indianapolis ? Senator Evan Bayh announced today he will not seek a third term to the United States Senate. At a news conference at Indiana University Purdue University Indianapolis (IUPUI), he reflected on nearly a quarter-century of public service as Indiana?s Secretary of State, a two-term Governor, and a two-term United States Senator.
* * *
Thank you all for coming today. I know how busy you are, and I appreciate you taking the time to be with us. I would like to begin by acknowledging some people to whom I owe a great debt of gratitude.

First, my wife Susan, who for 25 years has stood by my side and without whose love and support so much I have been privileged to do would never have been possible. As my father told me the day we were married: ?Son, you definitely married up.?

Second, my wonderful children, Beau and Nick, who I love so much and of whom I am so proud. Being their father is the most important job I will ever have.

Next, my staff members?past and present?who have worked so hard and sacrificed so much for the people of our state. There is not one that couldn?t have made more money and worked fewer hours doing something else. They have always managed to make me look much better than I deserve.

Most importantly, the people of Indiana, who for almost a quarter century have placed their trust and welfare in my hands. No one could ask for a better boss or a greater honor.

I was raised in a family that believes public service is the highest calling in the church, that what matters is not what you take from life, but what you give back. I believe that still.

For almost all of my adult life, I have been privileged to serve the people of Indiana in elective office.

As Secretary of State, I worked to reform our election laws to ensure that every vote counts. I cast the deciding vote in the closest congressional race in the nation for a member of the other political party, because I believed he had legitimately won the election.

As Governor, I worked with an outstanding team to balance the budget, cut taxes, leave the largest surplus in state history, create the most new jobs in any eight-year period, increase funding for schools every year, make college more affordable, and reform welfare to empha work.

We raised water quality standards, created more new state parks than any time since the 1930s, and raised the penalties for violent crime.
In the Senate, I have continued to fight for the best interests of our state. I have worked with Hoosier workers and businesses, large and small, in the defense sector, the life sciences, the medical device industry, autos, steel, recreational vehicle manufacturing, and many, many more, to save and create jobs.

Since 9/11, I have fought to make our nation safe with a national security approach that is both tough and smart. I have championed the cause of our soldiers to make sure they have the equipment they need in battle and the health care they deserve when they get home.

I have often been a lonely voice for balancing the budget and restraining spending. I have worked with Democrats, Republicans, and Independents alike to do the nation?s business in a way that is civil and constructive.

I am fortunate to have good friends on both sides of the aisle, something that is much too rare in Washington today.
After all these years, my passion for service to my fellow citizens is undiminished, but my desire to do so by serving in Congress has waned. For some time, I have had a growing conviction that Congress is not operating as it should. There is too much partisanship and not enough progress -- too much narrow ideology and not enough practical problem-solving. Even at a time of enormous challenge, the peoples? business is not being done.

Examples of this are legion, but two recent ones will suffice.
Two weeks ago, the Senate voted down a bipartisan commission to deal with one of the greatest threats facing our nation: our exploding deficits and debt. The measure would have passed, but seven members who had endorsed the idea instead voted ?no? for short-term political reasons.

Just last week, a major piece of legislation to create jobs -- the public?s top priority -- fell apart amid complaints from both the left and right.

All of this and much more has led me to believe that there are better ways to serve my fellow citizens, my beloved state, and our nation than continued service in Congress.

To put it in words most people can understand: I love working for the people of Indiana, I love helping our citizens make the most of their lives, but I do not love Congress. I will not, therefore, be a candidate for election to the Senate this November.

My decision should not be interpreted for more than it is: a very difficult, deeply personal one. I am an executive at heart. I value my independence. I am not motivated by strident partisanship or ideology.

These traits may be useful in many walks of life, but they are not highly valued in Congress.

My decision should not reflect adversely upon my colleagues who continue to serve in the Senate. While the institution is in need of significant reform, there are many wonderful people there. The public would be surprised and pleased to know that those who serve them in the Senate, despite their policy and political differences, are unfailingly hard-working and devoted to the public good as they see it. I will miss them.

I particularly value my relationship with Senator Dick Lugar and have often felt that if all Senators could have the cooperative relationship we enjoy, the institution would be a better place.

My decision should not reflect adversely upon the President. I look forward to working with him during the next 11 months to get our deficit under control, get the economy moving again, regulate Wall Street to avoid future financial crises, and reform education so that all children can fulfill their God-given potential. This is the right agenda for America.

My decision was not motivated by political concern. Even in the current challenging environment, I am confident in my prospects for re-election. Five times over the last 24 years, I have been honored by the people of Indiana with electoral success. But running for the sake of winning an election, just to remain in public office, is not good enough. And it has never been what motivates me.

At this time, I simply believe I can best contribute to society in another way: creating jobs by helping grow a business, helping guide an institution of higher learning, or helping run a worthy charitable endeavor.

In closing, let me say this: Words cannot convey nor can I adequately express my gratitude to the great people of Indiana.

I will never forget those I have been privileged to serve and those who have so kindly supported me. I have always tried to remember that my job is to work for Hoosiers, not the other way around.

I am constantly reminded that if Washington, D.C., could be more like Indiana, Washington would be a better place.
Lastly, let me reiterate my deep and abiding love for our nation and my optimism for our future. These are difficult times for America. But we have seen difficult days before, and we will see better days again. With all our faults, we are an exceptional people.

I look forward to continuing to do my part to meet the challenges we face as a private citizen, to work for solutions not slogans, progress not politics, so that our generation can do what Americans have always done: convey to our children, and our children?s children, an America that is stronger, more prosperous, more decent, and more just.

Thank you again. May God bless you all.
 

Interrogator

Beach Comber
Mar 20, 2008
35
10
People cannot obtain or afford health insurance..........but it is not in any way the fault of the insurance companies?

<bullsheet>

There is direct correlation between unaffordable premiums and the underlying cost of providing health care. With approximately eighty cents out of every dollar of premium paid to health care providers and twenty cents retained by the insurance companies for administrative expenses (and executive bonuses), what is the real driver of cost and subsequent unaffordable premiums? To lower the cost of health insurance, first and foremost, we need legislation that will reform the health care "delivery system". Passing health insurance reform is needed but it will not lower the cost of insurance until the dysfunction, waste and fraud embedded in the current health care delivery system is eliminated. Highly efficient health care delivery systems do exist n this country and are providing value and quality for the dollars invested. Unfortunately, these systems represent a small minority of the health care providers that receive eighty cents out of every health care dollar. Premiums will never be affordable when the underlying cost of health care is expensive, make sense?
 

rapunzel

Beach Fanatic
Nov 30, 2005
2,514
980
Point Washington
The health care "crisis" has NOT been created by the insurance industry. Culpable-yes / crisis creators-no.

The crisis in health care has been created by the dysfunctional and wasteful health care delivery system that currently exists in combination with the increase in unhealthy Americans who do not take responsibility for their health, i.e. obesity, smoking, lack of exercise.

If the delivery system could control cost, the insurance industry could establish a stable and affordable premium structure to protect against unforeseen, catastrophic loss.

If you think heath care is expensive now, wait until it is free!

I would contend that the reason the healthcare delivery system is wasteful and dysfunctional because of the current reimbursement system -- the third party payor system is destined for failure, as every good free market conservative since Adam Smith could attest.

The health insurance industry is able to predict loss with stunning accuracy thanks to the fact that all services are contracted, and tied to the federal price schedule known as RBRVS.
 

Interrogator

Beach Comber
Mar 20, 2008
35
10
I would contend that the reason the healthcare delivery system is wasteful and dysfunctional because of the current reimbursement system -- the third party payor system is destined for failure, as every good free market conservative since Adam Smith could attest.

The health insurance industry is able to predict loss with stunning accuracy thanks to the fact that all services are contracted, and tied to the federal price schedule known as RBRVS.

So we are in agreement that the health care delivery system is "wasteful and dysfunctional", correct? How would you recommend reforming the "third party payor system" (that in your opinion is the catalyst for making providers wasteful) when the largest third party payor is the federal government? Obama-Care proposed a reduction of $500 billion in their third party payments to Medicare / Medicaid beneficiaries and to increase the subsidy of health insurance premiums paid to the demonized insurance industry. Do you believe the health "insurance" reform being proposed would exacerbate or lower the cost of health care?
 

Susan Horn

Beach Fanatic
I write this with complete awareness of the stars in my eyes, but I've always liked the way they used to do it in China. Each village had a doctor, and all villagers paid the doctor as long as they stayed well. When they got sick, they stopped paying, till they got well again. Since TCM (Traditional Chinese Medicine) includes diet and exercise as well as herbs and acupuncture, each villager shared responsibility for staying healthy with the doc.

Because docs got paid for keeping folks well, rather than getting paid for treating them for illness, they learned to detect and remediate imbalances in the system long before any serious disease manifested.

I guess the main idea here is, we have a health care system that is all about sickness, crisis management if you will, rather than about wellness and crisis prevention. Seems pretty wack to me.
 
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