Health Care Bill and Your Personal Experiences

Choose One (see post)

  • I support the reform and I have had problems

    Votes: 13 19.7%
  • I support the reform and I have not had problems

    Votes: 26 39.4%
  • I don't support the reform and I have had problems

    Votes: 8 12.1%
  • I don't support the reform and I have not had problems

    Votes: 19 28.8%

  • Total voters
    66

TromboneAl

Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Joined
Jun 30, 2006
Messages
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I wonder how one's support of the health care reforms that are being discussed are influenced by personal experience.

By "Support the Reform" I mean support the kind of reforms that are currently being discussed in congress.

With "Had Problems" I m referring to things like problems getting health insurance, being denied coverage, being denied payment for a procedure, or having to spend huge amounts for insurance.
 
I'll support reform as soon as they have a proposal that seriously addresses the cost issue. Otherwise we're just making more promises we can't keep.
 
I'm concerned about one thing for us. I'm hearing that if you are happy with the plan you have you can keep it. I also hear that if the plan makes any kind of changes to cost or coverage, that it is thrown out as not being the same plan and you can't keep it. This would scare me. Health plans make changes all the time and it sounds like Obama is going to use my concern as mentioned above to disallow my current plan. If United Medicare Advantage makes any kind of change I'll be out of luck and will have to go with whatever the g'ment dictates.
 
I wonder how one's support of the health care reforms that are being discussed are influenced by personal experience.
Observations: Can we reliably infer causation ("are influenced by") between the two things being measured?

While I wouldn't be surprised if those who have problems with the present system are more in favor of changing it radically, I'd guess that other factors may also be at work.
 
I support reform and I personally have had good experiences with health care delivery. I am not thrilled at how much we pay for the risk pool, but at least we have insurance and the pool's insurance is good.

However, my views are substantially effected by personally knowing a number of people who didn't have insurance and had significant problems as a result. Unable to by medications. Unable to pay for hospital bills. Not getting proper treatment for chronic illness. I know others who stuck around work far longer than they should have to keep the health insurance. Etc.

EDIT: On reflection, I do have one problem. I can't move to another state.
 
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However, my views are substantially effected by personally knowing a number of people who didn't have insurance and had significant problems as a result..... Etc.

This is exactly why I feel it is so important that reform be sustainable. We want those same protections for people in the future. If we can't pay for it now, we not only won't have the money to continue, we will need to cut back at some time. We might run into a "pendulum swing" and end up worse than we are today. I want the best for people today and tomorrow.

It's disingenuous to just say that "we will find a way to pay for it". That hasn't worked for SS or Medicare. This is a democracy, and if the majority want health care reform, then the majority ought to be made aware of the costs and the majority should be willing to pay their share.

-ERD50
 
Every year my premiums go up (thx Blue Cross/Blue Shield) and every year both my wife and I have at least one disagreement with insurance referencing an unpaid procedure.

Now... to be fair... sometimes the Dr office incorrectly codes the invoice to insurance who then denies payment. But every single year? The process is flawed! It's red tape frustration to the max! :mad:
 
I support reform and have not had problems. But I would not have retired four months ago if my employer did not allow retirees to continue in their group plan.

Coach
 
if the majority want health care reform, then the majority ought to be made aware of the costs and the majority should be willing to pay their share.

-ERD50

And pay their share real time....... not leave a mountain of debt for the next generation.
 
Every year my premiums go up (thx Blue Cross/Blue Shield) and every year both my wife and I have at least one disagreement with insurance referencing an unpaid procedure.

Now... to be fair... sometimes the Dr office incorrectly codes the invoice to insurance who then denies payment. But every single year? The process is flawed! It's red tape frustration to the max! :mad:

Not to worry. Under the govt plan you'll receive free insurance and all procedures will be covered in full. ;)
 
I support reform. I had ONE illness in my life over 15 years ago...a ONE time occurance of a bleeding ulcer, yet still get denied coverage when I apply for individual health insurance. This is ridiculous. If congress changes just one law it should be to eliminate pre-existing conditions. That one change would give people access to health insurance easier and would allow them to switch insurance plans easier when the premiums are raised beyond what one would consider a reasonable increase. Hopefully that would force insurance companies to price the premiums more competively since people would probably switch to another plan if the premiums are too high compared to other similar plans. Fortunately at this point it looks like both Republicans and Democrats support eliminating the pre-existing conditions for health insurance plans so if any plan passes, this will probably be included.
 
And pay their share real time....... not leave a mountain of debt for the next generation.

Yes, we are getting a sample of what the "we will pay for it later" attitude can bring - just look at California. They are making big cuts because "later" caught up with them.

I don't want to sound too negative though - let me reinforce that if they can do this for a reasonable price and spread the costs reasonably, I'm all for some of the reforms they are talking about. But I won't accept smoke and mirrors for costs, savings, and how to pay.

Looks like Obama is starting to hear that message - let's hope something good comes from it. I never would have thought that it would be the Dems themseleves providing the "gridlock" that we often need to avoid having Congress run roughshod over the public.

I am also wondering how many people read the poll carefully before voting? Are they voting in favor of "reform", or "THIS reform bill", which is what T-AL asked?

-ERD50
 
I believe we need to make changes and many are common sense things. The congresscritters have done an extremely poor job with what is being touted now. There are a lot of smaller cuts and modifications that can make a difference. Extreme rationing and denial of service to our elderly to provide coverage for people who are not legally here is not what I want to see.

So, it is not said that all I do is gripe and not offer solutions I propose the following items.

DME (durable medical eqpt) is not what my government needs to buy me when I am old or infirm. How many $4000 scooters have we already paid for? I can buy it or do without.

Generic meds is the limit that ins needs to cover.

City clinics for healthy children where they are seen by a nurse practioner for all routine health care. We can not afford Pediatricians time to discuss diaper rashes.

Required Parenting Education classes during pregnancy and the 1st 5 years to reduce un-necessary medical visits.

Co-pays that are realistic and force all consumers to evaluate the need in advance. Ridiculously low or income based fees encourage over consumption.

Correct our welfare system to require 40 hours work in order to recieve housing, food, healthcare and any other subsidies for all able bodied individuals. If you do not work then you do not get a free ride. We need to get people off the pity pot and take care of business. You don't need a degree to clean up litter or paint gov't buildings or mow grass in the parks.

For those who want education: A large tax credit only upon completion of a course of study with defered intrest student loans to finance it.

Why do we pay for glasses frames and see an opthamologist for routine glasses instead of an optician? In most cases only because our insurance covers it. Do we need society to pay for stylish frames or can't we get by with basic or self pay?

Can you add to this list?
 
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Generic meds is the limit that ins needs to cover.
Agreed in 99% of the cases. Someone wants the name brand, they pay for it. There are times when people react badly to the inert ingredients in a generic medication, and in those cases and ONLY those cases, an exception to use a name brand could be granted. Other than that, the same principle should apply as is the case with most health insurance today: you get a generic if it's available, and you pay any excess for name brands.

City clinics for healthy children where they are seen by a nurse practioner for all routine health care. We can not afford Pediatricians time to discuss diaper rashes.

Sounds good but we already have a nursing shortage as it is, and relying more on RNs and NPs could exacerbate that. In principle, though, I like more reliance on NPs rather than full-blown MDs for a lot of relatively minor treatments.

Correct our welfare system to require 40 hours work in order to recieve housing, food, healthcare and any other subsidies for all able bodied individuals. If you do not work then you do not get a free ride. We need to get people off the pity pot and take care of business. You don't need a degree to clean up litter or paint gov't buildings or mow grass in the parks.

Sounds good but it's not easy to "get a job" in this economy. I have no quarrel with the community service in lieu of a "real job" angle for allowing the unemployed to receive the goodies, but in terms of performing basic maintenance of public facilities as you mention, good luck getting it past public employees' unions.
 
Sounds good but we already have a nursing shortage as it is, and relying more on RNs and NPs could exacerbate that. In principle, though, I like more reliance on NPs rather than full-blown MDs for a lot of relatively minor treatments.

Subsidize the extra education for RN's, Paramedics and Military Medics to upgrade their education. The Dr shortage is also pretty severe and projected to get worse.


Sounds good but it's not easy to "get a job" in this economy. I have no quarrel with the community service in lieu of a "real job" angle for allowing the unemployed to receive the goodies, but in terms of performing basic maintenance of public facilities as you mention, good luck getting it past public employees' unions.[/quote]

Ceta was a program in the 70's and it could be revived to get skills to the unskilled. Subsidize wages partially for 6 to 12 month with small businesses. As far as the public employee unions, if they are not laid off they need to go suck their thumb when not working!
 
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I am also wondering how many people read the poll carefully before voting? Are they voting in favor of "reform", or "THIS reform bill", which is what T-AL asked?

-ERD50

He asked about the "kind of reforms being discussed in Congress." Not a specific bill, which changes from day to day.
 
DME (durable medical eqpt) is not what my government needs to buy me when I am old or infirm. How many $4000 scooters have we already paid for? I can buy it or do without.

If you can't walk, what do you do? I think that we need cheaper scooters. Medicare has to be able to negotiate costs for drugs and durable medical equipment.

Generic meds is the limit that ins needs to cover.
Some drugs have no generic equivalents. Insulin for example. There are all branded. Specialty drugs as well, that can be very expensive. But yes, if there is a generic equivalent, take the brand name off the formulary.

City clinics for healthy children where they are seen by a nurse practioner for all routine health care. We can not afford Pediatricians time to discuss diaper rashes.

Required Parenting Education classes during pregnancy and the 1st 5 years to reduce un-necessary medical visits.

I know that there is a fair amount of intervention, at least in Minnesota and Wisconsin, with poor women and how to take care of their children. One program I recently learned about was early head start, which starts right after birth. A head start person makes visits, checks the babies to see how they are doing with development, and works with the parents to make suggestions on what they can do to help baby learn. WIC also is very good at teaching about nutrician. Early head start is not required for TANIF recipients. I think it should be.

Co-pays that are realistic and force all consumers to evaluate the need in advance. Ridiculously low or income based fees encourage over consumption.
How does income based fees encourage over consumption? You run the risk of under consumption if a person has no ability to pay a copay. I have spent several years paying out of my own pocket copays for some street kids who need mental health medication. They are not covered by medicaid but through state programs get low cost drugs. But hey have no money to pay the small copay. Plus, they don't have good sense. If they have a small amount of money, such as through selling blood, they will use the money to buy cigarettes, which is more important to them then an antipsychotic drug with unpleasant side effects. But I do agree that skin in the game is important. But requiring too high of a deductible and copays sometimes results in people forgoing necessary care which ends up costing more in the long run. There have been some studies on this issue.

Correct our welfare system to require 40 hours work in order to recieve housing, food, healthcare and any other subsidies for all able bodied individuals. If you do not work then you do not get a free ride. We need to get people off the pity pot and take care of business. You don't need a degree to clean up litter or paint gov't buildings or mow grass in the parks.
Already has happened. Able bodied people without kids don' get welfare. If you have kids you still have to go through work programs and find work in a certain amount of time. The bad thing is that able bodied people who can't find work are SOL. Also, there are a lot of borderline able bodied people. People with poor skills and maybe some mental health issues. We need more work programs, especially when our economy is in a recession.

For those who want education: A large tax credit only upon completion of a course of study with deferred interest student loans to finance it.
Thank god for student loans! I am only financially independent today because of loans and grants for school. We do need to get a handle on the cost of higher ed, which like health care has far outpaced inflation. One thing I have seen with our local university is building, building and more buildings, because of the ability to finance through bonding, where regular operating costs cannot be financed that way. Maybe less building and more on teaching?

Why do we pay for glasses frames and see an opthamologist for routine glasses instead of an optician? In most cases only because our insurance covers it. Do we need society to pay for stylish frames or can't we get by with basic or self pay?

I have never had insurance that covers eye care and at least for medicaid eye care is limited and you only get "welfare" frames.

Thanks for thinking about these things Connie. It is important.
 
Ceta was a program in the 70's and it could be revived to get skills to the unskilled. Subsidize wages partially for 6 to 12 month with small businesses. As far as the public employee unions, if they are not laid off they need to go suck their thumb when not working!

A wonderful program. I got a job through CETA.
 
A wonderful program. I got a job through CETA.

Comments like this concern me. Now, I don't know the numbers so this is just hypothetical, but it is relevant to the health care debate.

Just because a program benefited someone or some group, does not mean that that program is a good idea. We live in a democracy, and we need to ask if the program was good for the nation (and maybe CETA was). We need to look at how much was put in, how much we got out, and also consider if alternatives would have provided a better bang for the buck.

As a parallel, I'm sure a sugar producer would say that sugar subsidies are a "wonderful program", but are they good for the nation?

I've posted enough on this topic, I should probably take a little break... so rather than comment point-by-point on some of the recent posts (and I support many of the comments) I'll just say again that I wish we had some documents like that one about the energy sustainability without the hot air. We can go back and forth on individual issues, but it is pretty meaningless w/o a real big picture view. What % of our current costs go to supporting illegal immigrants, what % of our costs goes to internal medical technology funding that helps subsidize other country's health care, what % of our costs could be reduced by more preventative care to poor people (and what % would utilize it?), etc, etc, etc?

W.O more hard numbers, I feel like so much of this goes in circles. And the emotional aspect of something that can totally turn around our lives makes it that much harder to get to the numbers.

The more I think about that, the more I think that Congress is NOT the place to deal with the details. Set up a voucher system, get some group like that MedPac to define terms and basic coverage options, and let the system work outside of Congress. Something like that.


-ERD50
 
Comments like this concern me. Now, I don't know the numbers so this is just hypothetical, but it is relevant to the health care debate.

Just because a program benefited someone or some group, does not mean that that program is a good idea. We live in a democracy, and we need to ask if the program was good for the nation (and maybe CETA was). We need to look at how much was put in, how much we got out, and also consider if alternatives would have provided a better bang for the buck.

As a parallel, I'm sure a sugar producer would say that sugar subsidies are a "wonderful program", but are they good for the nation?

I've posted enough on this topic, I should probably take a little break... so rather than comment point-by-point on some of the recent posts (and I support many of the comments) I'll just say again that I wish we had some documents like that one about the energy sustainability without the hot air. We can go back and forth on individual issues, but it is pretty meaningless w/o a real big picture view. What % of our current costs go to supporting illegal immigrants, what % of our costs goes to internal medical technology funding that helps subsidize other country's health care, what % of our costs could be reduced by more preventative care to poor people (and what % would utilize it?), etc, etc, etc?

W.O more hard numbers, I feel like so much of this goes in circles. And the emotional aspect of something that can totally turn around our lives makes it that much harder to get to the numbers.

The more I think about that, the more I think that Congress is NOT the place to deal with the details. Set up a voucher system, get some group like that MedPac to define terms and basic coverage options, and let the system work outside of Congress. Something like that.


-ERD50

I figured it would be too far off topic to give lots of facts and figures about CETA.

You are not going to get all the hard numbers on health care because the GAO can't figure out some of the savings. For example, it has said that it can not look into savings from best practices and eliminating redundancies.

A lot of the answers regarding costs (in contrast to savings) can be found. I have read several books and many studies. This place is not the place where you can talk about all of them. But it may be surprising all that we do know.

As I have said many times, we can get our arms around some of the savings by comparing different parts of the country and why some areas and some providers cost a lot less with as good or better outcomes. We also know that there will be savings to offset cost that we all bear through higher insurance premiums which go to pay for uncompensated costs that providers end up eating.

One big problem still remains the high admin costs we have as compared to other countries, resulting from the fact that we have too many reimbursement plans and every state with their own plan regulations. Even if we keep insurance companies I would like to see this attacked through some kind of standardization. Thirty one percent admin costs is a big area to save money.

One thing that is intriguing me more and more is changing reimbursement for medicare and medicaid to move the emphasis off of procedures and more on prevention and best practices. This could end up being a model for insurance companies to follow in the future, which could save costs (by eliminating unecessary procedures and focusing on prevention) and improve outcomes. I think that specialists will have to take a hit, which is going to be tough, and I think that primary care providers should be paid more and be more of a gatekeeper, especially for the elderly.

My sister is in California, in HMO land. She has a number of health problems due to life threatening asthma. She recently had pneumonia. She can stay in touch with her doc through email. It is very efficient for the both of them to communicate that way to make sure that day by day she is doing fine and can stay out of the hospital. They can only do that because of the way her doctor is compensated. I have asthma as well. The only way my doctor gets paid is through visits. She will not get reimbursed for phone calls and email is not an option. When I get sick due I have to make more visits to the doc which ends up more costly.

My doctor has gone to electronic records. It has been a bit frustrating for her as it slows her down as she imputs data, but it is growing on her. I recently had my physical. Her computer program would prompt her to be sure that she asked certain questions and checked certain boxes. It reduces her risk of error. Plus, she could press a button to print out prescriptions, which are now legible, and sign them on the spot.

A few years ago I had an accident where a huge container of sand fell on my hands. My hands were badly bruised and swollen. I went to the doctor. She said that compression injuries such as that rarely had broken bones. I said I was a piano player and wanted to make sure so she did an x-ray anyway. All was fine. That probably was unnecessary care in retrospect. Maybe I should not have been able to get the x-ray. Unless I was Van Cliburn. :) But it is tough on doctors, who likely do not want to spend a good part of the day arguing with patients.


I tell these stories as just a small examples of how we can make delivery of heath care more efficient. Government can do that through the medicare and medicaid system now.
 
I tell these stories as just a small examples of how we can make delivery of heath care more efficient.

Well, I'll keep it short (that's almost like taking a break ;) )...

I totally agree that there are many opportunities to make delivery of health care more efficient.

I'm far less certain that we can rely on the govt to deliver those efficiencies. That's one reason I offer the option of doing the cost savings first, then apply that to expanded coverage. By [-]August[/-] 2013, we ought to have considerable savings.


Government can do that through the medicare and medicaid system now.

OK, go. And it begs the question, why haven't they done them already?

-ERD50
 
If these "reforms" are so good, why has congress exempted themselves from them??

Just more "do as I say, not as I do politics."

Leave me out of it too.
 
Well, I'll keep it short (that's almost like taking a break ;) )...

I totally agree that there are many opportunities to make delivery of health care more efficient.

I'm far less certain that we can rely on the govt to deliver those efficiencies. That's one reason I offer the option of doing the cost savings first, then apply that to expanded coverage. By [-]August[/-] 2013, we ought to have considerable savings.




OK, go. And it begs the question, why haven't they done them already?

-ERD50

Inertia. Lobbies. Fear.

Certainly the private system has done next to nothing to reduce costs and build in efficiencies.
 
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