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Universal Health Care: from someone who lived under both ...

Apparently you can now be denied health insurance if you've been sexually assaulted.
Well, not actually DENIED, it will just cost you 3500 bucks a month in Chicago.

Woman Appalled After Being Denied Health Insurance Because Of Sex Assault-Related PTSD

Kitley began searching for insurance for her family of six earlier this month, after her husband lost his coverage. She never expected past mental health-related issues would be a factor.

She was even more shocked to learn that she could still get coverage under the plan – but instead of paying $1,500 a month, her broker told her it would now cost $3,500.

At that price, it might as well be denial."
Welcome to TrumpCare.
 
For thirty-five hundred bucks a month?

I'm sure someone who was concerned could provide insurance for less that thirty-five hundred bucks a month. Undersell the greedy bastards and make a killing.
 
I'm sure someone who was concerned could provide insurance for less that thirty-five hundred bucks a month. Undersell the greedy bastards and make a killing.

It's rather obvious that no one is interested in doing so, or they would have already found something.
I think you may be missing the point.
 
So you can't provide insurance for less than thirty-five hundred bucks a month? You can't help out this poor lady?

Let me know when you're actually willing to have a serious discussion.
I am not skilled or trained in the insurance business, I am not financially blessed with the funds to insure someone, I am not interested IN BEING in the insurance business and I am not licensed by the state of California as an insurance broker.

I was a professional film editor for almost forty years.
Again, if you're going to continue this juvenile approach, I will be ignoring anything further from you.
Go find another person to troll-bait.
 
Let me know when you're actually willing to have a serious discussion.
I am not skilled or trained in the insurance business, I am not financially blessed with the funds to insure someone, I am not interested IN BEING in the insurance business and I am not licensed by the state of California as an insurance broker.

I was a professional film editor for almost forty years.
Again, if you're going to continue this juvenile approach, I will be ignoring anything further from you.
Go find another person to troll-bait.

So, given that you say you're not skilled nor trained in the insurance business, how do you know that thrity-five hundred bucks a month is a good or bad price?
 
What's better in your opinion: public housing projects, where the government builds and owns the apartments, or the section 8 voucher system where poor people get a voucher and live in privately owned apartments?

But you want government out of it all. That means no vouchers.

Would that really work out for the best?
 
But you want government out of it all. That means no vouchers.

Would that really work out for the best?

Yes, but as philosopher Jagger once said, you can't always get what you want.
 
But what is the incentive structure? The unstated assumption in your comment is that the government will use its leverage to drive down prices. A private company selling to the federal government has deep pockets to contribute to political campaigns, while Joe Voter isn't even at the negotiating table. Joe Voter has no idea whether or not politicians are doing what's best for the public, or what's best for themselves.

That doesn’t make sense.

Joe voter elects the people who oversee the staff in Medicaid.

Right now, Joe voter had absolutely NO say at all regarding their private health insurance. (I have no idea why right wingers keep talking this specious argument about “choice”). Americans get the health insurance their boss picks for them. And there is little meaningful recourse if something goes wrong.

Years ago, I was in London and turned on the morning news. The panel was discussing whether a certian procedure should be covered by the National Health.

It was a public health, and therefore a political issue (as health insurance is a government run function).

No such discussion ever took place on a news program in the US. Indeeed, no such public discussion happens in the US at all, as the insurance companies do not answer to patients, and seldom to government.
 
I am not suggesting a copy/paste of the British system here in the United States. That wasn't the point of the thread.
The thread is about life in a nation that has a UHC system, but there is no reason to suggest that implies some notion that the UK NHS is a good fit for us.

The phrase "change our government system" (I guess you meant 'swap') is vague.
When public programs of any kind are enacted, some aspects of life changes but that is the case when private sector does certain things as well. When the private sector inflates the price of an essential lifesaving medication to stratospheric levels, it can cause a drastic change in the lives of millions, millions who by the way did not even get a chance to VOTE on that private sector change, because there is no "vote" if you can't live without that medication.
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Well.. just to point out.. those very same things happen in European healthcare systems. In fact.. its one reason that often the US beats other countries when it comes to cancer survival. Its one of the way they get the savings that they do. Again.. no free lunch.

Secondly.. there is a real fact here that when a supplier jacks up drugs to the point where "MILLIONS"... can't afford their medication? Sorry man.. but that's emotion talking and not reality. Why would a for profit company price out millions of people. The truth is.. the vast majority of those drugs that "become astronomically priced"... are for very rare conditions. Its one reason why they are so expensive.. because all that research has to get paid for with fewer people. There just isn't enough market.
Other countries to save money, do the same analysis that an insurance company does..and if having that drug on their formulary isn't cost effective, then its not available to people.

You mentioned voting. Well.. that doesn't provide the benefits especially for the minority. The vast majority of people.. who want cheap healthcare? Are going to vote for politicians that keep their government healthcare cheaper. and if that means that outliers.. those folks that cost more money because of their conditions.. don't get the coverage for certain procedures. Oh well.

You seem to think that universal healthcare in these countries means that all procedures, and medications are paid regardless of the overall cost effectiveness of doing so. And that's just not the case. You think there is a free lunch here. That magically.. just by going to a government system.. its going to solves all ills. Well it doesn't. Not in other countries and not here.

T
hat doesn't pass the smell test. In fact, guessing that 87 percent can afford their healthcare is not only suspect, the notion that ten or eleven percent are just scoffs who just go without because they don't think they need it is also suspect.
But I don't even trust your figure of 87 percent to begin with.

OF course it passes the smell test. Heck.. you just point out that BEFORE.. Obamacare about twenty percent did not have health insurance. Do you think that Obamacare DECREASED the number of people that had health insurance? Nope.

So with OBamacare.. we got to about 90% that healthcare insurance. then Trump/republicans got rid of the mandate.. and we saw those with healthcare insurance drop to about 87%. Which likely means that 3-5% of folks without healthcare insurance.. are choosing to go without it. That once the penalty was removed.. then they decided to drop insurance.

By the way.. I have a long history on this board of supporting the best parts of Obamacare. Your partisanship doesn't really affect me because I deal with facts and reality.

Not emotion and politics. You can continue to think that UHC is some magical unicorn and that there is a free lunch here. There isn't.

Its entirely possible.. that if we go to universal government healthcare.. that your coverage will be less than it is now.
 
That doesn’t make sense.

Joe voter elects the people who oversee the staff in Medicaid.

Right now, Joe voter had absolutely NO say at all regarding their private health insurance. (I have no idea why right wingers keep talking this specious argument about “choice”). Americans get the health insurance their boss picks for them. And there is little meaningful recourse if something goes wrong.

Years ago, I was in London and turned on the morning news. The panel was discussing whether a certian procedure should be covered by the National Health.

It was a public health, and therefore a political issue (as health insurance is a government run function).

No such discussion ever took place on a news program in the US. Indeeed, no such public discussion happens in the US at all, as the insurance companies do not answer to patients, and seldom to government.

Just to point out.. Medicaid is just about one of the worst insurances to have. Despite it being a government program.

And yes.. there are discussions all the time on new programs in the US.

The insurance companies answer all the time to patients. Its who actually buys their healthcare insurance. Its their customers. If they leave for better coverage.. then the insurance company makes no money.
 
Apparently you can now be denied health insurance if you've been sexually assaulted.
Well, not actually DENIED, it will just cost you 3500 bucks a month in Chicago.

Woman Appalled After Being Denied Health Insurance Because Of Sex Assault-Related PTSD



At that price, it might as well be denial."
Welcome to TrumpCare.

Yep..

HARTFORD, Conn. — Thousands of Navy and Marine Corps veterans of Iraq and Afghanistan who developed post-traumatic stress disorder but were denied Veterans Affairs health benefits have been given a green light to sue the military, under a ruling by a federal judge in Connecticut.


Good thing these vets have government insurance to cover their PTSD...oh wait.

No free lunch.
 
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Well.. just to point out.. those very same things happen in European healthcare systems. In fact.. its one reason that often the US beats other countries when it comes to cancer survival. Its one of the way they get the savings that they do. Again.. no free lunch.

Secondly.. there is a real fact here that when a supplier jacks up drugs to the point where "MILLIONS"... can't afford their medication? Sorry man.. but that's emotion talking and not reality. Why would a for profit company price out millions of people. The truth is.. the vast majority of those drugs that "become astronomically priced"... are for very rare conditions. Its one reason why they are so expensive.. because all that research has to get paid for with fewer people. There just isn't enough market.
Other countries to save money, do the same analysis that an insurance company does..and if having that drug on their formulary isn't cost effective, then its not available to people.

You seem to think that universal healthcare in these countries means that all procedures, and medications are paid regardless of the overall cost effectiveness of doing so. And that's just not the case. You think there is a free lunch here. That magically.. just by going to a government system.. its going to solves all ills. Well it doesn't. Not in other countries and not here.

T

OF course it passes the smell test. Heck.. you just point out that BEFORE.. Obamacare about twenty percent did not have health insurance. Do you think that Obamacare DECREASED the number of people that had health insurance? Nope.

So with OBamacare.. we got to about 90% that healthcare insurance. then Trump/republicans got rid of the mandate.. and we saw those with healthcare insurance drop to about 87%. Which likely means that 3-5% of folks without healthcare insurance.. are choosing to go without it. That once the penalty was removed.. then they decided to drop insurance.

By the way.. I have a long history on this board of supporting the best parts of Obamacare. Your partisanship doesn't really affect me because I deal with facts and reality.

Not emotion and politics. You can continue to think that UHC is some magical unicorn and that there is a free lunch here. There isn't.

Its entirely possible.. that if we go to universal government healthcare.. that your coverage will be less than it is now.

Well, thank you for telling me what I think about UHC but instead let's pay attention to perhaps the only valid part of your counter-argument, that of astronomically priced drugs and how those are really the rare drugs that go to rare cases, the "outliers".

So, you're really just saying that diabetics who need insulin are outliers, and that the resulting astronomical markup of all but the most primitive form of cow insulin is just a rare instance of a rare drug for a rare outlier condition.
Hmmm, again the smell test rates that as "pants on fire" and emotion has nothing to do with it, facts and figures do. Emotion has nothing to do with it, so maybe stop being so emotionally attached to attacking universal healthcare, because the facts and figures say that we spend more and get less in return than any other nation on the planet, and we have serious looming problems on the horizon which are leading to unsustainable market distortions.
The health insurance industry corporate profits, which are at an all time high, do nothing to enhance the actual delivery of actual healthcare.

PS: I don't know where you got the notion that I thought Obamacare DECREASED the number of people with health insurance. Maybe you're having difficulty with simple concepts. You seem to have a knack for telling people what they think of universal health care, at least when talking to people on the left anyway. I've never said anything was a free lunch, not that I expect you to grasp that.
Your accusations of "partisanship" are projection, my friend.
And by the way, a lot of the research into new drugs is underwritten by taxpayers.
In the case of an anti-AIDS drug called Truvada, which now costs almost $2000 a month for most users, ALL of the research was taxpayer funded, and the true cost of Truvada is about six bucks a month.
Again, that is not emotion, it's facts and figures.

Cancer survival rates?

CONCORD-table12.jpg


Oh wow, we beat Canada by a blistering two to three percent. :roll:
 
Yep..




Good thing these vets have government insurance to cover their PTSD...oh wait.

No free lunch.

Pity you didn't read the article.
This has nothing to do with insurance and everything to do with the DoD approach to active duty personnel using WEED. It has everything to do with a phenomenal abuse of a policy known as "bad paper".

Manker developed PTSD after serving in the 2003 invasion of Iraq and received an other-than-honorable discharge for a single incident of self-medicating himself with an illegal drug, according to the lawsuit. The Naval Discharge Review Board rejected his request for a discharge upgrade, as it has done with similar applications by thousands of other veterans.

Tyson Manker's case is well known in the disabled veteran community.
Overuse of "bad paper" against veterans is an inexcusable DoD policy used to toss thousands of honorable veterans under the bus.
If the DoD hadn't given him the big chicken dinner he would HAVE VA healthcare.
Are you going to transform into an expert on VA healthcare now?
 
W
So, you're really just saying that diabetics who need insulin are outliers, and that the resulting astronomical markup of all but the most primitive form of cow insulin is just a rare instance of a rare drug for a rare outlier condition.

Nope... because insulin is not costing millions of dollars per dose. That's an astronomically high price. It went from about 7.50 to 16 bucks.. from 2012 to 2016.. which is a huge jump based on percentage. BUT.. its not an astronomical cost... Not like some of the drugs that cost hundreds of thousands of dollars for a single dose.

Emotion has nothing to do with it, so maybe stop being so emotionally attached to attacking universal healthcare, because the facts and figures say that we spend more and get less in return than any other nation on the planet,

Sure it does. Your emotion is displayed all over the place. Heck. you are the one that offered to have me talk to your sons doctor. If that was not an emotional appeal.. I don't know what is.

The facts are.. we don't pay more for less than other countries. We pay more for a variety of reasons. one of which is that if you have insurance.. in many ways you get more. more access to technology.. faster access, access to providers etc.

Now..if you don't have insurance.. yeah.. you get screwed.. but if you have insurance.. in all likelihood.. if we go to a government run system like other countries.. you will find your coverage etc.. worse than what you have now.

The health insurance industry corporate profits, which are at an all time high, do nothing to enhance the actual delivery of actual healthcare.

hold that thought for a minute. Okay.. first.. lets look at the idea that universal health insurance is going to get rid of private insurances. First.. in America.. most of our public insurance.. medicare and Medicaid.. is administered by private insurance companies.

Second.. most of the countries on the list you provided on cancer rates? HAVE private insurances.. they are a blend of private insurance and public insurance as well. So going to a UHC system does not mean that private insurance companies are out of the picture...

Now.. you need to look at the cancer survival rates that you posted. Yep.. Canada survival rates are just a few percentage below us. Now.. do you know what Canadian government insurance does not pay for? IT DOES NOT PAY FOR OUTPATIENT MEDICATIONS. That's right.. Canadian government single payer does not pay for medication outside the hospital.. which things like Cancer medication would often fall into.

Meanwhile.. the UK? Which has pretty much eliminated private insurance..and is definitely a single payer system that has little use for private insurance... look at their survival rates.. 52%...versus 73.8 %.. in the US.

Please explain that.. if getting rid of private insurance is magically going to improve cancer treatments? Like I said.. there is no free lunch.

PS: I don't know where you got the notion that I thought Obamacare DECREASED the number of people with health insurance. .

Well.. I stated that about 87% of americans had health insurance. You disputed that figure and stated it didn't pass the smell test.. then pointed out that BEFORE Obamacare 80% of americans had health insurance. Soooo... you pretty much shot your "it doesn't pass the smell test"...in the foot. If we had 80 percent that had insurance before Obamacare.. the only real way we don't end up 87 or better.. is if Obamacare didn't work. or made things worse. You pretty much shot yourself in the foot there.

And by the way, a lot of the research into new drugs is underwritten by taxpayers.

Some facts:

While government funding supports basic research, America’s biopharmaceutical companies conduct the critical R&D needed to bring new medicines to patients and bear the associated costs and risks,” Holly Campbell, director of communications for the Pharmaceutical Research and Manufacturers of America (PhRMA), told Healthline in an email. “In fact, the biopharmaceutical sectors spend more on R&D than the entire National Institutes of Health operating budget, with all biopharmaceutical companies investing more than $70 billion in R&D.”
Campbell also points to a 2015 white paper from the Tufts University School of Medicine that concluded that 67-97 percent of drug development is conducted by the private sector.

Expensive New Drugs and Taxpayer Money
 
Nope... because insulin is not costing millions of dollars per dose. That's an astronomically high price. It went from about 7.50 to 16 bucks.. from 2012 to 2016.. which is a huge jump based on percentage. BUT.. its not an astronomical cost... Not like some of the drugs that cost hundreds of thousands of dollars for a single dose.

That's just from 2012 to 2016. Where you come from, doubling the price in four years isn't considered astronomical. Lucky you, but thankfully you are not diabetic.


Sure it does. Your emotion is displayed all over the place. Heck. you are the one that offered to have me talk to your sons doctor. If that was not an emotional appeal.. I don't know what is.

Apparently you don't remember why. I'll wait while you scroll back up for a refresher.

The facts are.. we don't pay more for less than other countries. We pay more for a variety of reasons. one of which is that if you have insurance.. in many ways you get more. more access to technology.. faster access, access to providers etc.

Now..if you don't have insurance.. yeah.. you get screwed.. but if you have insurance.. in all likelihood.. if we go to a government run system like other countries.. you will find your coverage etc.. worse than what you have now.

Oh so now you're picking winners and losers based on projection of figures that don't actually exist because we will not be just doing a "copy/paste" of another country's UHC system, so in essence this boils down to "you don't THINK" coverage will be as good, because your gut says so.

By the way, did you think that this was about us duplicating the UK NHS system? Sure sounds like it.

hold that thought for a minute. Okay.. first.. lets look at the idea that universal health insurance is going to get rid of private insurances. First.. in America.. most of our public insurance.. medicare and Medicaid.. is administered by private insurance companies.

BINGO, confirmed, you DO think this is some imaginary CTRL+C/CTRL+V of UK NHS. Hmmm, thought so.
We did not go there, you did. I simply said that the enormous profits insurance co's make don't have any positive effect on the actual healthcare delivered. I didn't say that they weren't entitled to make a profit. Making a profit by denying care and coverage however,

Second.. most of the countries on the list you provided on cancer rates? HAVE private insurances.. they are a blend of private insurance and public insurance as well. So going to a UHC system does not mean that private insurance companies are out of the picture...

BINGO, confirmed, you DO think this is some imaginary CTRL+C/CTRL+V of UK NHS. Hmmm, thought so.

Now.. you need to look at the cancer survival rates that you posted. Yep.. Canada survival rates are just a few percentage below us. Now.. do you know what Canadian government insurance does not pay for? IT DOES NOT PAY FOR OUTPATIENT MEDICATIONS. That's right.. Canadian government single payer does not pay for medication outside the hospital.. which things like Cancer medication would often fall into.

And how are those Canadian prices these days. :lamo

Meanwhile.. the UK? Which has pretty much eliminated private insurance..and is definitely a single payer system that has little use for private insurance... look at their survival rates.. 52%...versus 73.8 %.. in the US.

Please explain that.. if getting rid of private insurance is magically going to improve cancer treatments? Like I said.. there is no free lunch.

BINGO, confirmed, you DO think this is some imaginary CTRL+C/CTRL+V of UK NHS. Hmmm, thought so.

Pro Tip: The United States will most likely NOT be instituting any government owned and operated system of hospitals and clinics like the UK because our medical infrastructure is already in place, was not largely destroyed by WW2 and is mostly paid for already. Also, what works for UK doesn't necessarily work for the USA.
You made a foolish assumption that because you're talking to someone on the left, that they automatically believe in government owned and operated healthcare.

Although I will say that my opinion of the VA system has gone up drastically in the last fifteen years after watching them save my wife's life seven times. <<<<----THIS RIGHT HERE qualifies as "emotion", just so you can discern the difference next time.

It's been real fun. I'm bored now.
 
Just to point out.. Medicaid is just about one of the worst insurances to have. Despite it being a government program.

And yes.. there are discussions all the time on new programs in the US.

The insurance companies answer all the time to patients. Its who actually buys their healthcare insurance. Its their customers. If they leave for better coverage.. then the insurance company makes no money.


I was only on Medicaid briefly. It was just fine for me, and it worked well.

As for insurance companies answering to patients...

When was the last time you EVER bought a health insurance policy?????? Most Americans never have.

One of the reasons the insurance industry can play the scare tactics that they do, is because most people don’t buy their health insurance, and have no idea how much it actually costs.
 
I was only on Medicaid briefly. It was just fine for me, and it worked well.

As for insurance companies answering to patients...

When was the last time you EVER bought a health insurance policy?????? Most Americans never have.

One of the reasons the insurance industry can play the scare tactics that they do, is because most people don’t buy their health insurance, and have no idea how much it actually costs.

Hmmm... when was the last time I ever bought an insurance policy. I don't know.. every year since 1992? Individual policies and then employer sponsored policies since I am an employer.

And yes.. I have switched insurance companies or threatened because an insurance company was not going to cover the services etc that my employees wanted. And yes..I have had insurance companies come to the table and change coverage decisions because I threatened to switch insurances if they were not going to cover a certain medication or procedure.. or even have certain providers as preferred providers.

And if you worry about people not knowing what insurance costs etc.. imagine what people on Medicaid know about.. or other government healthcare. How good are they at making informed decisions on what's necessary in healthcare?
 
Pity you didn't read the article.
This has nothing to do with insurance and everything to do with the DoD approach to active duty personnel using WEED. It has everything to do with a phenomenal abuse of a policy known as "bad paper".



Tyson Manker's case is well known in the disabled veteran community.
Overuse of "bad paper" against veterans is an inexcusable DoD policy used to toss thousands of honorable veterans under the bus.
If the DoD hadn't given him the big chicken dinner he would HAVE VA healthcare.
Are you going to transform into an expert on VA healthcare now?

Well.. since I have VA contracts currently.. and used to work in the VA as a medical provider... yeah.. I know a bit more about the VA than the average patient in the VA.

And the point was not that "they used "bad paper"...they used a way to deny this person benefits. The government.. that you so willingly trust your healthcare insurance to did it. But you keep on keeping on.
 
Yes, but as philosopher Jagger once said, you can't always get what you want.

So just to be clear: you would be OK with entire families dying out on the street if it’s on the free market.

So what exactly is the goal we are looking for here? A society free of fear and horror, or just the cheapest price for those who can work?
 
That's just from 2012 to 2016. Where you come from, doubling the price in four years isn't considered astronomical. Lucky you, but thankfully you are not diabetic.

.

No.. just my family members... but hey.. you know my family history better than me right? And yes.. doubling the price from 7.50 to 16 dollars is NOT astronomical. Not when you have family members that take drugs that cost 47,000.

Apparently you don't remember why. I'll wait while you scroll back up for a refresher.

Oh I do.. because you didn't really have an facts or understanding of how healthcare insurance or healthcare works. So you thought an emotional appeal was going to flummox me... It doesn't because I treat folks that have worse conditions than your sons and I see stuff like that on a daily basis. AND I have worked in other countries and seen how their single payer works.. and I know that in many instances.. their single payer would not cover what a child on Medicaid.. would get here.

Oh so now you're picking winners and losers based on projection of figures that don't actually exist because we will not be just doing a "copy/paste" of another country's UHC system, so in essence this boils down to "you don't THINK" coverage will be as good, because your gut says so.

Ahh the irony. The irony is that you are doing exactly that. YOU are picking winners and losers without having a clue about any figures. I on the other hand.. DO know what other countries UHC [pays for and what they don't.. and the ways in which they get their savings. ).. That's how I know how say Canada government single payer doesn't pay for outpatient therapy. And that France still has private insurances because the French single payer will pay for your abdominal surgery.. but you need a private insurance to pay for the anesthetic. Or that the UK largely does away with private insurance.. but they do some pretty aggressive management of costs through deciding the cost effectiveness of certain medications.

We did not go there, you did. I simply said that the enormous profits insurance co's make don't have any positive effect on the actual healthcare delivered.
Well.. as I pointed out.. it may. Because private insurance.. may be covering and allowing healthcare procedures and medications.. while government healthcare may not. SO.. that profit incentive.. may be helping that.

Certainly most private insurances pay for way more procedures and medications than Medicaid. or the VA. Why? IF profit motive was the purely based on denial.. then they should be the worst payers.

r
o Tip: The United States will most likely NOT be instituting any government owned and operated system of hospitals and clinics like the UK because our medical infrastructure is already in place, was not largely destroyed by WW2 and is mostly paid for already. Also, what works for UK doesn't necessarily work for the USA.
You made a foolish assumption that because you're talking to someone on the left, that they automatically believe in government owned and operated healthcare.

PRo tip. I made no such assumption. instead.. I pointed out that while you said "we cost more and get less".. I showed that we get better cancer survival rates. You.. seemed to only notice Canada.. and blithely ignored the UK.

The point is.. you just naturally assume that UHC is going to magically improve our system.. and cost less...when you really have no idea what those UHC systems are like and how they arrive at their savings and what things they are better at.. and what things they are worse.

It's been real fun. I'm bored now.

too bad.. you should stick around and you might learn something.. or you can run around and keep making the same assumptions.. based on nothing but your emotion.
 
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