Ontopic Healthcare.gov

Valve1138 said:
I wonder how much healthcare would really cost of health insurance companies were outlawed.
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full coverage should be outlawed imo. people should have catastrophic health insurance and be required to pay for normal checkups and stuff out of pocket. then the price of normal checkups or visits for the flu will go waaay back down in price and when you break your arm you can rely on your insurance.

i mean, this is how the system used to work when it was affordable. insurance just drove the price of everything skkkkkkyyy fuckin high.
 
thintoast said:
And what about the cost of malpractice lawsuits. Outlaw those, limit them, or make the claimant financially responsible for all costs of the trial if the claim is found to be false.
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they just need a standard payout for everything. when i worked at UPS they had a set agreement, like lose a finger, get 100k or something ridiculous. it was all outlined...

not sure why the government couldn't come up with something similiar for malpractice. leave scissors inside a patient? 100k. do it again? lose your ability to practice. it's not really difficult and it'd save the courts a lot of time debating on what a fair value for something is.
 
plot said:
they just need a standard payout for everything. when i worked at UPS they had a set agreement, like lose a finger, get 100k or something ridiculous. it was all outlined...

not sure why the government couldn't come up with something similiar for malpractice. leave scissors inside a patient? 100k. do it again? lose your ability to practice. it's not really difficult and it'd save the courts a lot of time debating on what a fair value for something is.
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Agreed. That sounds reasonable.

Instead, people get a loose staple left in their arm, and all of a sudden it's worth a $10 million lawsuit. Most hospitals/attorneys actually settle instead of going to court because it's less expensive to give them $500k, than spend months in court and lose out on being a doctor that whole time.
 
i don't work in healthcare but my company figures about 25k just to activate their lawyers on a case, so they're quick to settle out of court for anything less than that.
 
thintoast said:
Here comes my tinfoil hat...

Do you think any of that is to help the individual?

First off, while it sounds great, it still doesn't resolve the underlying issue of quality healthcare being unaffordable. To do that, you have to fix the cost of healthcare, not the cost of insurance.

Second, if a new individual signs up with a new insurance company, with a pre-existing condition, how can an insurance company afford to stay in business if that person is requiring more insurance payout than what they're paying into their plan? Is there a government subsidy involved? Are they allowed to increase the rate of the premium to cover their losses? No. they have to rely on other individuals not utilizing their insurance. THAT'S one of the major issues that I have.
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a) yep. helped Valve.
b) agreed, healthcare costs are inflated and ridiculous.
c) The insurance company can afford it because while they are paying out more for that one person, the other 79,000 people who dont have issues, they arent paying out anything for. Thats the basic concept of insurance.
 
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plot said:
full coverage should be outlawed imo. people should have catastrophic health insurance and be required to pay for normal checkups and stuff out of pocket. then the price of normal checkups or visits for the flu will go waaay back down in price and when you break your arm you can rely on your insurance.

i mean, this is how the system used to work when it was affordable. insurance just drove the price of everything skkkkkkyyy fuckin high.
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or, y'know, people shouldn't have to pay to get any kind of medical care, including preventative. that's the right way for a civilized nation to handle things, not make someone's health dependent on their net worth.

health care, like education, should be considered a basic human right
 
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fly said:
I just did work for a pharmacy that specializes in Hep-C drugs. The pills cost $30-40k a month. :lol:
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Do you know the biggest money maker in RADONC is?

Finding gamma shifts in images. Without going into detail, it's comparing one treat day to another. $600-1000 per shift. 24 treats per person on avg. for comparing 2 images...
 
fly said:
And everything you listed makes our already laughably expensive and terrible healthcare system even more expensive. How about this: There was almost nothing done to control costs.
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Except for the 15% overhead limit. (meaning 85% of your premium had to do to health care) Still much more to do to curb costs, but that was at least a start.
 
fly said:
That quote is for a cure too. Takes like 3 months.
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Not always. I have a friend who literally just took his last pill on Monday. He's been on it for 6 months. It was a bit iffy for a while because his insurance didn't approve the drugs he needed. We thought he wasn't going to be able to get them. After they managed to prove he most likely got hep in a VA hospital things changed and the govt paid for the meds.

They are expensive because it costs billions to develop the drugs and there simply aren't that many people with hep c. Other places get them cheaper because of charity and negotiated rates bur that just means we Americans have to eat more of the costs. It sucks, but the drug companies do have to try to recoup their outlays. This is not to say they can't be greedy bastards, but in this instance, after months of research trying to help save my good friend's life, the facts are that right now those drugs are actually priced reasonably.
 
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