- 24,553
- Frankfort, KY
- GTP_FoolKiller
- FoolKiller1979
I never denied that. My point was in a private system you can choose how you pay for those people and how much.Joey DMy point is if you buy insurance, you are supporting those who haven't been able to take care of themselves along with the people who have had misfortunes of being sick. I don't care what type of insurance you have or how much you shop around, you're going to be paying for these people.
Yes, but it makes you look bad when you post as if his comments never existed to those of us who see every post but can't see who you are ignoring.I don't feel like Danoff's post contribute anything and I don't agree with his posting style so he's on my ignore list, seems to cause less issues. But freedom of choice right
Yet they allow my insurance to pay as little as 5% of their initial charge. I'm pretty sure my $25 copay isn't covering the rest. Of course, the doctors paying $50,000 are likely grossing that much in a month, if not quicker. Don't forget, I see high cost bills all the time.Consumer involvement in what doctor you go to has very little to do with why the cost of healthcare is so high. The main reason your doctor's visit costs so much is due to malpractice, ask any doctor and they will probably tell you this, I know I've spoken with several during my employment and they all say the exact same thing. Malpractice insurance has become so out of control that it makes their overhead obscenely high meaning they have to charge a lot of money. Depending on the practice and what they do and the insurance they require, each doc could be paying $50,000 or more per year for their malpractice and this is assuming they haven't been previously sued. Factor in employees, utilities and the desire for a large salary and you see the cost of healthcare climb.
Price competition exists anywhere consumers look at the cost to them. I'm not claiming that it will suddenly be pocket change. In fact, I gave real world examples to show the difference I was talking about. Apparently doctors only need to charge a fraction of what they do, because they let the insurance pay that lower amount. If malpractice requires a doctor charge you or I $1,500 then how do they survive only taking $200 when insurance pays it?Allowing people to shop for doctors isn't really going to do much unless malpractice lawsuits are controlled and the doctor's insurance lowered. Every doctor deals with it.
I'm not talking about out-of-network coverage. That is a whole other discussion about the whys and hows of each individual plan and each case is different. I'm talking about in-network coverage, you know the doctors that agree to accept a much lower rate than what they charge you. And telling me how much you paid in one instance tells me nothing. You could have high deductible, low premium plan and have had a biopsy done in the office (done that, so I know it can be done) or any other in-office outpatient procedures. You paid $700 just tells me either you have decent premiums, a crappy plan, and had something expensive done. It sure as hell wasn't just an annual checkup.I can't ask them, it's borderline illegal. But I can tell you based on my bills it depends on what I have done and where I go. If I go out of the health system my insurance pays a very small portion and if I go within the health system they cover a pretty big chunk. I mean I've paid as much as $700 for a single doctor's visit before and they were an in system doctor that took my insurance.
I just want the in-network insurance rate.If patients shopped based on price they really wouldn't see that much of difference because the overhead for all doctors' offices is insanely high as I've said. One doc may be a little lower than another, but overall the industry is still going to stay high priced.
Because a dead patient tells no...er pays no bills. A patient too ill to work can't pay bills. Ultimately, it is in their best interest to give their patient good treatment and find a way that they can pay. Otherwise they'd be out of business.And why wouldn't they? Healthcare isn't something you can ignore if you want to continue living, so why not charge whatever since it's either pay it or end up in bad shape/dead.
They also offer prescription assistance plans that provide free or extremely discounted name brand drugs. But that is a whole other discussion regarding the falsehood of how drug companies are perceived and may get way too close to describing exactly what my current job is while I am still on new hire probation.Drug companies do the same exact thing before their drugs end up generic.
Excellent, because I said no one else did.I don't believe having zero regulations would make a good society,
Good thing we have regulations preventing that from happening. Only the poor people invited to George Clooney's house get a say.I believe it would just end up with whoever has the most money would end up dictating what can and cannot be done.
So you agree that regulating is a futile waste of time and resources?Yes, there is such a thing as to much regulations, but there is also such a thing as not enough. As I've said I don't trust people to do the right thing, even with regulations they still don't do the right thing.
I do not see why we need people regulating sugar, trans fats, salt, and so forth. That was my initial point. If you want to continue discussing regulations in a discussion that began from that topic then please address it, as this aimless regulations discussion is running us in circles to the point that you appear to be replying to something I didn't say. You just defended against the opposite of what I said and partly agreed with me. Maybe it's just late and you read it wrong.
Yeah, don't sell misleading products is a rule even the staunchest libertarian can agree to. But you act as if you think Id be opposed to informed consent.It's not so much a personal level of decision making, but corporate. I think food should be regulated and there should be a standard to which items are made. McDonald's could make their products from just a bunch of chemicals (although I suspect they do) and sell it to the public. Say those chemicals were known to cause cancer but they made the food taste good. If McDonald's never says anything people will keep eating and eventually start getting sick. Depending on how much money McDonald's then wants to throw at the problem, they can easily keep it under wraps without the general public knowing.
Yet the theme has never had a timeline of immediately. We didn't get here over night and we can't fix it over night. No one thinks we can.I know a common theme around here is that we should throw out everything that's perceived as wrong and start anew.
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