View Poll Results: What is the LARGEST cause of increasing health care expenditures in the US?

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  • Increasing Consumer Demand (rising income and population)

    1 2.94%
  • Advancement in Medical Technology

    5 14.71%
  • Cost Insulation from Third Party Payers (Employers, Insurance, Government)

    17 50.00%
  • Employee Based Health Insurance

    0 0%
  • State Mandated Benefits

    3 8.82%
  • Spending on Prescription Drugs

    0 0%
  • Adminstrative Costs (customer service, IT, underwriting)

    2 5.88%
  • Rising Prices in the Health Care Sector

    4 11.76%
  • Aging Population

    2 5.88%
  • Defensive Medicine

    0 0%
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Thread: Increasing Health Care Expenditures

  1. #51
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    Re: Increasing Health Care Expenditures

    Quote Originally Posted by lpast View Post
    Blue Cross Blue Shield tradional plan was the best of all of them....It had a deductible that everyone had to meet before the insurance kicked in and everyone paid 20% over a certain cost number. That plan could have been tweaked as it went along to increase the deducticles for people that could afford it....BUT
    The insurance companies basically KILLED that program and forced everyone into HMOs and PPOs...which have small copays and no deductibles for the most part...I have to believe that in some way the insurance companies benefited and made more money by forcing the switch.

    There are some that clamor than any changes for the common be good be based on free market and capitolism...I read a long article recently from a capitolist who believes in our system...who also believes certain aspects of our life that are absolutely necessary should be profit FREE..
    He mentioned health care in the insurance sense...not for services....and another example he used was Utilities...he said its absurd that profit is in the cost of electricity which is a must have today....Of course the rich will vehemently oppose that and label the guy a communist...but it does have merit whether you would admit to it or not.
    You're joking right?
    HMO's were a creation of federal legislation.

    What you wrote is conspiracy theory.
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  2. #52
    Politically Correct

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    Re: Increasing Health Care Expenditures

    The problem is our overuse of healthcare. I'm not sure which category above that best fits into.
    (avatar by Thomas Nast)

  3. #53
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    Re: Increasing Health Care Expenditures

    Quote Originally Posted by Krhazy View Post
    The problem is our overuse of healthcare. I'm not sure which category above that best fits into.
    Cost insulation, the one everyone's voting for.

  4. #54
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    Re: Increasing Health Care Expenditures

    Quote Originally Posted by Harry Guerrilla View Post
    You're joking right?
    HMO's were a creation of federal legislation.

    What you wrote is conspiracy theory.
    I have never seen what the problem that some people have with HMO's anyway. Back when I was on one the coverage was great, the drawback was that you had to stay in network. That isn't a problem unless you live in a rural area.
    "You're the only person that decides how far you'll go and what you're capable of." - Ben Saunders (Explorer and Endurance Athlete)

  5. #55
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    Re: Increasing Health Care Expenditures

    Quote Originally Posted by SouthernDemocrat View Post
    I have never seen what the problem that some people have with HMO's anyway. Back when I was on one the coverage was great, the drawback was that you had to stay in network. That isn't a problem unless you live in a rural area.
    HMO's pretty much guarantee that administrative costs are going to be larger.
    I was discovering that life just simply isn't fair and bask in the unsung glory of knowing that each obstacle overcome along the way only adds to the satisfaction in the end. Nothing great, after all, was ever accomplished by anyone sulking in his or her misery.
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  6. #56
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    Re: Increasing Health Care Expenditures

    Quote Originally Posted by Harry Guerrilla View Post
    Pretty much guarantees that administrative costs are going to be larger.
    Wasn't the idea with them originally before they were watered down with various regulations, that they would control costs by managing care much more of a focus on preventative medicine than traditional plans and thus catching medical problems earlier before they became costly chronic issues.
    "You're the only person that decides how far you'll go and what you're capable of." - Ben Saunders (Explorer and Endurance Athlete)

  7. #57
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    Re: Increasing Health Care Expenditures

    Quote Originally Posted by SouthernDemocrat View Post
    Wasn't the idea with them originally before they were watered down with various regulations, that they would control costs by managing care much more of a focus on preventative medicine than traditional plans and thus catching medical problems earlier before they became costly chronic issues.
    That's the idea, but it never fleshed out.
    The gate keeper doctors have to continuously work with the insurance staff, to make sure X,Y and Z are covered under the plan.

    When you have multiple gatekeepers, you'll need more administrative staff to coordinate care with them.
    Too much micro management.
    I was discovering that life just simply isn't fair and bask in the unsung glory of knowing that each obstacle overcome along the way only adds to the satisfaction in the end. Nothing great, after all, was ever accomplished by anyone sulking in his or her misery.
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  8. #58
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    Re: Increasing Health Care Expenditures

    I think the biggest bang for our buck in terms of curbing healthcare costs, or at least in making Medicare more solvent going forward, would be to make Medicare taxes and premiums, as well as private sector medical insurance premiums reflect the true costs of lifestyle choices. For example, if you are obese, you should be paying higher Medicare taxes and higher Medicare premiums because your lifestyle choices are going to lead to far higher medical costs in the future. The same should be true of private sector plans (many states don't allow this). The same should be true if you smoke as well.

    The system we have now is that you can never smoke, exercise regularly, and eat right, yet get cancer due to your family history, and be uninsurable in the private sector once you go into remission. Yet you can smoke 2 packs a day, be morbidly obese, never exercise and never eat right, and pay the same healthcare premium as your coworkers, pay the same Medicare tax rate as everyone else, and pay the same Medicare premium upon retiring as everyone else even though your lifestyle choices will lead to you utilizing far more healthcare services than others. Until we do something about that, costs will continue to grow unsustainably.

    I have never smoked. I eat well. I exercise all the time. I have 5% body fat, an hdl of 73, and when I get a physical, the doctors tell me I have the numbers of a professional athlete. So why should I pay the same rate as some fat ass that never takes care of themselves?
    Last edited by SouthernDemocrat; 09-30-11 at 05:49 PM.
    "You're the only person that decides how far you'll go and what you're capable of." - Ben Saunders (Explorer and Endurance Athlete)

  9. #59
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    Re: Increasing Health Care Expenditures

    Quote Originally Posted by SouthernDemocrat View Post
    I think the biggest bang for our buck in terms of curbing healthcare costs, or at least in making Medicare more solvent going forward, would be to make Medicare taxes and premiums, as well as private sector medical insurance premiums reflect the true costs of lifestyle choices. For example, if you are obese, you should be paying higher Medicare taxes and higher Medicare premiums because your lifestyle choices are going to lead to far higher medical costs in the future. The same should be true of private sector plans (many states don't allow this). The same should be true if you smoke as well.

    The system we have now is that you can never smoke, exercise regularly, and eat right, yet get cancer due to your family history, and be uninsurable in the private sector once you go into remission. Yet you can smoke 2 packs a day, be morbidly obese, never exercise and never eat right, and pay the same healthcare premium as your coworkers, pay the same Medicare tax rate as everyone else, and pay the same Medicare premium upon retiring as everyone else even though your lifestyle choices will lead to you utilizing far more healthcare services than others. Until we do something about that, costs will continue to grow unsustainably.
    That would be a good start.
    My plan does charge more if you smoke, but my company also pays for stop smoking programs.
    I was discovering that life just simply isn't fair and bask in the unsung glory of knowing that each obstacle overcome along the way only adds to the satisfaction in the end. Nothing great, after all, was ever accomplished by anyone sulking in his or her misery.
    —Adam Shepard

  10. #60
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    Re: Increasing Health Care Expenditures

    Quote Originally Posted by Harry Guerrilla View Post
    That's the idea, but it never fleshed out.
    The gate keeper doctors have to continuously work with the insurance staff, to make sure X,Y and Z are covered under the plan.

    When you have multiple gatekeepers, you'll need more administrative staff to coordinate care with them.
    Too much micro management.
    This is why I think the government needs to mandate some standards of coverage for ALL health insurance policies (both public and private). It's simply too much of a hassle for every insurer to individually negotiate with each hospital, and for each customer to be expected to individually determine what is and isn't covered under his insurance plan.

    Essentially the government could mandate that all health insurance plans must cover X, Y, and Z in order to exist at all, and to market themselves as "Basic coverage." Then they could mandate that health insurance plans must also cover A, B, and C if they want to market themselves as "Advanced coverage." And then they must cover all of that plus D, E, and F if they want to market themselves as "Deluxe coverage" or something like that.

    This would allow consumers to more accurately compare policies. As it stands now, the few consumers who even HAVE a choice on what insurer to pick usually pick the wrong one, because the information is simply too complex for the average person to figure out.
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