A Hospital Bill Example: Ruptured Appendix Removal

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metalgearHMN

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A family's healthcare coverage lapsed while one of them was between jobs, and as luck would have it they had a serious medical issue, a ruptured appendix. This is their bill for $76,574.85.

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An insurance company would be able to pay a fraction of that, but this family has to pay cash out of pocket and will likely go bankrupt because of this. Plus the hospital is probably overcharging for one of the myriad reasons (make up for low insurance payments, medicare payments, etc).

Source

The thread is full of people from New Zealand, Canada, UK etc. telling us how stupid we are. Frankly I think they're right.

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This reddit thread made me sad. Mostly because these are obviously intelligent people, but there's still a lot of blame thrown at doctors for the bill/our healthcare situation. The surgeon is getting a small fraction of that payment.
 
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Nurse: Your bill, sir.
Mr. Krabs:
$15,000?! [gasps]
Squidward: You're not going to have a heart attack, are you?
Mr. Krabs:
Not with these prices! Forget hotels! This hospital rank is where the money is!
Patrick: This is a hospital?
Mr Krabs: Pack your bags, boys! You're going to medical school!
SpongeBob and Patrick: Hooray!
 
"it's the patient's fault for being lazy and not earning enough to have medical insurance, and for having a lazy appendix. lazy lazy lazy." - a typical republican's view

it's kinda hard to argue for universal healthcare when the people you're arguing with are too stupid and selfish to understand the simplest concepts.

and by New Zealand do you mean Australia? since New Zealand is basically Australia's appendix...haha
 
This reddit thread made me sad. Mostly because these are obviously intelligent people, but there's still a lot of blame thrown at doctors for the bill/our healthcare situation. The surgeon is getting a small fraction of that payment.
For a perforated appendix, the surgeon probably won't see more than $1000. Maybe even half that.
 
What can I say... this is absolutely heartbreaking.

Issues like these show the dangers of having benefits like insurance TIED to our jobs. It's also a great case study in the push for reform in how health insurance is sold and restricted.
 
Is this a real bill?

They misspelled "hematology"...
 
For a perforated appendix, the surgeon probably won't see more than $1000. Maybe even half that.

So the surgeon gets about 1-2% of the bill, and yet is blamed for most of the costs. I guess I'm signing up to be a scapegoat.
 
I was charged $18 for a blanket and $8 for a potassium pill after visiting the ER. If I would've known that I was gonna be charged that much, I would've stayed somewhat cold and would've asked someone to go get me a couple of bananas from the cafeteria for $2. 🙄
 
One thing you guys should realize is that hospital bills are in fact negotiable. I would be surprised if this particular patient ends up paying less than 20K, but they certainly will not pay the formal amount.
 
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One thing you guys should realize is that hospital bills are in fact negotiable. I would be surprised if this particular patient ends up paying less than 20K, but they certainly will not pay the formal amount.
Yeah, if you pay in full. I remember the collector saying something like "We can bring it down to only $4k (from $6k) if you pay it in full right now. So will you be sending or check or paying by credit card today, sir?" 🙄🙄
 
Yeah, if you pay in full. I remember the collector saying something like "We can bring it down to only $4k (from $6k) if you pay it in full right now. So will you be sending or check or paying by credit card today, sir?" 🙄🙄

Perhaps for a relatively small amount like 4K
 
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"it's the patient's fault for being lazy and not earning enough to have medical insurance, and for having a lazy appendix. lazy lazy lazy." - a typical republican's view

it's kinda hard to argue for universal healthcare when the people you're arguing with are too stupid and selfish to understand the simplest concepts.


"Poor people are lazy! They don't deserve healthcare. And our country's broke!" - Typical Republican

"Universal healthcare is communist! And it's un-American! And the rich won't make as much money as they used to! And everybody knows that people who support universal healthcare HATE god!" - Typical Tea Party Supporter

I guess two things really are infinite. The Universe and human stupidity.
 
One thing you guys should realize is that hospital bills are in fact negotiable. I would be surprised if this particular patient ends up paying less than 20K, but they certainly will not pay the formal amount.

Well on the original thread, the poster states it was adjusted down from 96k, and that they would get an extra 10% off if paid within 30 days. I don't know anything about hospital billings... but maybe that was the result of whatever 'negotiations' take place with medical bills?

I'm taking the thread in good faith and assuming it's not fake, but obviously it could be I suppose.
 
There are plenty of people who object to universal healthcare without filling your stereotypes even remotely. The typical republican might be closer to the stereotype, and I won't deny that people like that stereotype do in fact exist, but I think if you spent more time paying attention to those that disagree with you, you'd realize that the typical ANYTHING is more complex than you seem to think. This of course goes to generalizations republicans make of liberals too.

Hogwash.
 
hemotology....suspect. The hospital seems to be in Sacramento, they should just post the name of it, that would end well for the hospital. Someone did mention the little known fact about retroactive cobra coverage in the comments.
 
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I received $3 million in bills including one single $400,000 bill from when my wife was in the ICU for 4 months. I think after everything it wound up costing me around $3000.
 
I received $3 million in bills including one single $400,000 bill from when my wife was in the ICU for 4 months. I think after everything it wound up costing me around $3000.

Is this with insurance or without?
 
Would any of the smart liberals who hate those greedy republicans so much in this thread be willing to justify universal healthcare in the context of population biology and fair (read: open) immigration policy?

I think that anyone who wants to come to this country should be able to as fast as we can give out SSNs. Closing the doors on a country is hypocritical and ignorant.

That said, a welfare state is unsustainable in light of how populations grow. Some people have to die. It's not selfishness, it's not greed, it's reality. Administering medicine, especially the advanced technology and labor-heavy medicine involved in surgery, takes a lot of resources and effort, from development to administration. This has value, and costs money - a lot of it.

It would be nice to give the best healthcare to everyone, but it simply isn't possible in the long run unless you close the country's borders and severely limit reproduction. Medicine is a luxury and a privilege to those who can pay for the resources and effort that go into it. If you want to call it a "right" and say that someone else should have to pay for the multitude of services that go into medicine, you have to justify it logically and logistically.

Basically, it sounds nice and fluffy and friendly to try and save everyone's life with other people's time and money, but it just isn't reasonable or sustainable.
 
hi guys
As a canadian here, i don't understand how this bill is going to be covered.
QUESTION.
If this person has a good medical insurance, how much would he had to paid roughly??
 
If you want to call it a "right" and say that someone else should have to pay for the multitude of services that go into medicine, you have to justify it logically and logistically.

Basically, it sounds nice and fluffy and friendly to try and save everyone's life with other people's time and money, but it just isn't reasonable or sustainable.

Research how health insurance works? Everyone who pays into an insurance pool pays for everyone else's healthcare. I know that insurance premiums are rising like crazy (and are slated to be over $20,000 a year by 2020 for a simple family policy...whoohoo!) but believe it or not, the money you pay every month is NOT going to be enough to cover you in case of a serious accident. Have you paid $75,000 into an insurance policy? If not, where do you think the money comes from? From other insured people who HAVEN'T had a major hospital bill yet.

I'm all for closing down the border (as much as is feasible) for a multitude of reasons, but those who are already here will need healthcare as much as anyone else...unless of course, you want them to die and have their LEGAL children put into the foster system/prison system.
 
Research how health insurance works? Everyone who pays into an insurance pool pays for everyone else's healthcare. I know that insurance premiums are rising like crazy (and are slated to be over $20,000 a year by 2020 for a simple family policy...whoohoo!) but believe it or not, the money you pay every month is NOT going to be enough to cover you in case of a serious accident. Have you paid $75,000 into an insurance policy? If not, where do you think the money comes from? From other insured people who HAVEN'T had a major hospital bill yet.

I'm all for closing down the border (as much as is feasible) for a multitude of reasons, but those who are already here will need healthcare as much as anyone else...unless of course, you want them to die and have their LEGAL children put into the foster system/prison system.

Yes, and this model breaks down when you use healthcare "insurance" to pay for minor needs. It should be switched to a catastrophic model, to reflect true insurance. Healthcare insurance right now is truly mediated healthcare bargaining.
 
Would any of the smart liberals who hate those greedy republicans so much in this thread be willing to justify universal healthcare in the context of population biology and fair (read: open) immigration policy?

I think that anyone who wants to come to this country should be able to as fast as we can give out SSNs. Closing the doors on a country is hypocritical and ignorant.

That said, a welfare state is unsustainable in light of how populations grow. Some people have to die. It's not selfishness, it's not greed, it's reality. Administering medicine, especially the advanced technology and labor-heavy medicine involved in surgery, takes a lot of resources and effort, from development to administration. This has value, and costs money - a lot of it.

It would be nice to give the best healthcare to everyone, but it simply isn't possible in the long run unless you close the country's borders and severely limit reproduction. Medicine is a luxury and a privilege to those who can pay for the resources and effort that go into it. If you want to call it a "right" and say that someone else should have to pay for the multitude of services that go into medicine, you have to justify it logically and logistically.

Basically, it sounds nice and fluffy and friendly to try and save everyone's life with other people's time and money, but it just isn't reasonable or sustainable.

Hi I'm a smart liberal, so I'll take a stab at it.

Your claim: Socialized healthcare systems are unsustainable

The UK and Canada have had national healthcare coverage for 62 and 58 years respectively. Although both have some issues (such as long waiting times for non-emergent procedures), they are able to provide a baseline of coverage for all their citizens, and have been doing so for over half a century. Private healthcare services exist in both countries and are available as a "luxury and a privilege to those who can pay" 🙄.

If anything is unsustainable, it's our system. With healthcare insurance rates rising every year, more and more people are unable to afford healthcare, even working class Americans. The beauracracy resulting from having different insurance companies with different reimbursement schemes and requirements, means nearly 10% of our healthcare dollars go to paying secretaries and billing specialists, that same figure is 2% for Medicare.

Claim: Socialized systems are unsustainable in an open border nation

We are not an open border nation, so why create healthcare policy for an ideal that doesn't represent our national reality? Perhaps socialized medicine is unsustainable in an open border setting, but that argument is moot, because that's not the system we have.

Claim: Some people have to die. It's not selfishness, it's not greed, it's reality...If you want to call it a "right" and say that someone else should have to pay for the multitude of services that go into medicine, you have to justify it logically and logistically.

Obviously administering healthcare costs money. We believe that there is a more efficient and balanced solution as to how to pay for it.

As morning already mentioned. Healthcare is already socialized through insurance. All of us, even the healthy, pay monthly premiums to provide care for the those who become sick. Is that not "someone else" paying for the "multitude of services"? This is the same in a socialized system, except we all pay taxes, and without having to pay for unnecessary insurance company profits.

Can you logically and logistically explain why we spend nearly twice as much as most other western democracies on healthcare per capita, and yet have worse outcomes? Can you explain how paying monthly premiums is better than a monthly tax? At least the tax is used efficiently as opposed to the premium which is used for corporate profits and bloated administrative costs.

If national systems have been shown to work in nearly every developed western democracy, why wouldn't it work here?

hi guys
As a canadian here, i don't understand how this bill is going to be covered.
QUESTION.
If this person has a good medical insurance, how much would he had to paid roughly??

The bill probably isn't going to be covered. The man stated after posting that he might declare bankruptcy and not pay anything. This cost will then be passed onto other people, in an endless cycle of increased healthcare costs and BS. If he had insurance, he would have had to pay the detuctable, which can be anywhere from $0 to 20-30% of the bill (maybe more in even cheaper plans).
 
I was charged $18 for a blanket and $8 for a potassium pill after visiting the ER. If I would've known that I was gonna be charged that much, I would've stayed somewhat cold and would've asked someone to go get me a couple of bananas from the cafeteria for $2. 🙄

I passed out after getting the stomach flu because I couldn't keep any water down and ended up paying $200 out of pocket for some IVs of water and $20 for some apple juice? I didn't even ask for the latter...

At least I had insurance, that ER visit would have cost me 2000+ without it.
 
Just wanted to chime in on the "negotiable" aspect of billing. I worked at a home healthcare company for a year. Part of the time there I worked in accounts receivable. Sometimes patients had lapses in insurance coverage, they would then get bills with itemized policy rates that are negotiated with their insurance companies every year. The amounts looked insane, it must have given people heart attacks. But, if they called in and talked it through, certain people were authorized to drastically reduce the bill, even if they didn't pay on the spot, just so long as they committed. It's really unfortunate that there's so much bs but that's the way it currently is.

So, if you ever get a bill you can't pay, call in, negotiate and even have them put you on a payment plan (when they ask you how much you can pay a month don't be embarrassed, tell them $25 or as low-ball an amount as you can actually afford and you'll be surprised what they'll agree to...they want your money and it's easier to get you to forfeit it). Never put it off because it could end up affecting your credit.
 
I passed out after getting the stomach flu because I couldn't keep any water down and ended up paying $200 out of pocket for some IVs of water and $20 for some apple juice? I didn't even ask for the latter...

At least I had insurance, that ER visit would have cost me 2000+ without it.

My sister passed out in class and was taken by ambulance to the hospital. Cost for the EMS? $700.

Here's the funny part...the hospital is literally right across the street from her college. In fact, I've parked at the hospital and walked across the street when I couldn't find a parking space at her school.

The emergency room bill was over $300.

I realize that some of this is because of the drug seekers, attention seekers, and wackos that abuse EMS and EDs...they have to charge everyone a ton of money because those people waste time and don't pay. I just wish there could be more prevention from the very start. Meaningless 911 calls need to be filtered out. I've heard of one ED testing a system where calls that do not sound emergent will be patched into a nurse, rather than sending an ambulance out and bringing them in.
 
Healthcare isn't a right. They shouldn't have let their insurance lapse, that's what COBRA is for. If you wan't good healthcare you have to pony up. The healthcare bill doesn't cut costs other than by cutting physicians reimbursements. Until people are willing to accept a lower standard they'll continue to pay out the nose.
 
Healthcare isn't a right. They shouldn't have let their insurance lapse, that's what COBRA is for.

Agreed, an insurance lapse isn't good. However, sometimes people on COBRA can also experience desperation. Once had a guy who had become unemployed and had X months left with COBRA. He was afraid that if he didn't find a job before coverage ended he'd be unable to purchase his very expensive medication. He actually came into the surgeon's office to request that he do surgery (as with any surgery, it was risky) to correct something that was fine with medication just because COBRA would cover surgery now. Healthcare is complicated.
 
Healthcare isn't a right. They shouldn't have let their insurance lapse, that's what COBRA is for. If you wan't good healthcare you have to pony up. The healthcare bill doesn't cut costs other than by cutting physicians reimbursements. Until people are willing to accept a lower standard they'll continue to pay out the nose.
Can anyone comment on this? MetalgearHMN?
 
Healthcare isn't a right. They shouldn't have let their insurance lapse, that's what COBRA is for. If you wan't good healthcare you have to pony up. The healthcare bill doesn't cut costs other than by cutting physicians reimbursements. Until people are willing to accept a lower standard they'll continue to pay out the nose.
LOL @ Corbra. When I was laid off from a job, I had someone call me about continuing my insurance for 12 months. They said it would be $400. So I said that I could easily afford $400 for the year. I was paying $35/month while I worked so it was going to come out to be the same price that I was paying when I worked, so I thought. That's when she said, "Oh no, that's $400 per month." I guess asking an unemployed person to pay $400/month is pretty reasonable. 🙄 I kindly said no thank you and hung up. 👍
 
LOL @ Corbra. When I was laid off from a job, I had someone call me about continuing my insurance for 12 months. They said it would be $400. So I said that I could easily afford $400 for the year. I was paying $35/month while I worked so it was going to come out to be the same price that I was paying when I worked, so I thought. That's when she said, "Oh no, that's $400 per month." I guess asking an unemployed person to pay $400/month is pretty reasonable. 🙄 I kindly said no thank you and hung up. 👍

How about doing something crazy, something radical. Having a years worth of savings, so that you can deal with the fact you might be laid off?
 
LOL @ Corbra. When I was laid off from a job, I had someone call me about continuing my insurance for 12 months. They said it would be $400. So I said that I could easily afford $400 for the year. I was paying $35/month while I worked so it was going to come out to be the same price that I was paying when I worked, so I thought. That's when she said, "Oh no, that's $400 per month." I guess asking an unemployed person to pay $400/month is pretty reasonable. 🙄 I kindly said no thank you and hung up. 👍

Did you price out any standalone insurance plans NOT through an employer? I had a job offer that paid well but was a small business and my cost for insurance for my wife and I was $600/mo. I shopped around and found a private party that offered a decent PPO+ plan for $150/mo.

Thankfully I got another job offer with a large company where my cost is now only $62/mo for my wife and I.
 
How about doing something crazy, something radical. Having a years worth of savings, so that you can deal with the fact you might be laid off?

Not everyone can save money easily, especially if you're living check to check just to make ends meet. Don't assume that putting a ton of money in the bank to save for something like being laid off is so easy. That is what I am getting from your post.
 
How about doing something crazy, something radical. Having a years worth of savings, so that you can deal with the fact you might be laid off?

You might as well hold a sign over your head that says "I live off of mommy and daddy's money and don't pay for any of my own bills." 🙄 I was 21-years-old, living on my own, and didn't have enough to save to pay $5000 for a year of that insurance. Most adults with a salary can't even afford to save $5000 year, let alone someone who gets paid by the hour. Get over yourself, kid. Why would you say that anyways? I got insurance elsewhere. Read below, kid.

Did you price out any standalone insurance plans NOT through an employer? I had a job offer that paid well but was a small business and my cost for insurance for my wife and I was $600/mo. I shopped around and found a private party that offered a decent PPO+ plan for $150/mo.

Thankfully I got another job offer with a large company where my cost is now only $62/mo for my wife and I.
I actually did. That's why I turned down that $400/month. 😀 I believe I went with Blue Cross Anthem for about $75/month. I got insurance through another job not to long after that.
 
Hi I'm a smart liberal, so I'll take a stab at it.

Your claim: Socialized healthcare systems are unsustainable

The UK and Canada have had national healthcare coverage for 62 and 58 years respectively. Although both have some issues (such as long waiting times for non-emergent procedures), they are able to provide a baseline of coverage for all their citizens, and have been doing so for over half a century. Private healthcare services exist in both countries and are available as a "luxury and a privilege to those who can pay" 🙄.

If anything is unsustainable, it's our system. With healthcare insurance rates rising every year, more and more people are unable to afford healthcare, even working class Americans. The beauracracy resulting from having different insurance companies with different reimbursement schemes and requirements, means nearly 10% of our healthcare dollars go to paying secretaries and billing specialists, that same figure is 2% for Medicare.

Claim: Socialized systems are unsustainable in an open border nation

We are not an open border nation, so why create healthcare policy for an ideal that doesn't represent our national reality? Perhaps socialized medicine is unsustainable in an open border setting, but that argument is moot, because that's not the system we have.

Claim: Some people have to die. It's not selfishness, it's not greed, it's reality...If you want to call it a "right" and say that someone else should have to pay for the multitude of services that go into medicine, you have to justify it logically and logistically.

Obviously administering healthcare costs money. We believe that there is a more efficient and balanced solution as to how to pay for it.

As morning already mentioned. Healthcare is already socialized through insurance. All of us, even the healthy, pay monthly premiums to provide care for the those who become sick. Is that not "someone else" paying for the "multitude of services"? This is the same in a socialized system, except we all pay taxes, and without having to pay for unnecessary insurance company profits.

Can you logically and logistically explain why we spend nearly twice as much as most other western democracies on healthcare per capita, and yet have worse outcomes? Can you explain how paying monthly premiums is better than a monthly tax? At least the tax is used efficiently as opposed to the premium which is used for corporate profits and bloated administrative costs.

If national systems have been shown to work in nearly every developed western democracy, why wouldn't it work here?



The bill probably isn't going to be covered. The man stated after posting that he might declare bankruptcy and not pay anything. This cost will then be passed onto other people, in an endless cycle of increased healthcare costs and BS. If he had insurance, he would have had to pay the detuctable, which can be anywhere from $0 to 20-30% of the bill (maybe more in even cheaper plans).


I asked "in the context of population biology and fair (read: open) immigration policy" and you answered in the context of neither. I should stop here, but I'm too much of a rockstar pre-med to stop running my pretentious mouth.

You based most of your points on the premise that since we don't have open immigration, it's okay to ignore it as a direction to go in with other aspects of policy. Maybe we should start by asking if people should be able to move wherever they please or if it's acceptable to fence off entire sections of the planet and say "Sorry folks, all full here." If you agree the first is the only reasonable answer, then how can you support major legislation that would make the borders impossible to open? That fully runs on its ability to keep the majority of the population rich and healthy and not poor and sick? If you have a political ideology, you don't take each bill and accept it if it fits with the current system, you take steps in every place you can to fulfill your ideology. If your worldview supports open borders, the other things you support must fit consistently. If we don't agree on this point, there is no reason to go further with the conversation about appropriate healthcare policy.

Most other countries that have socialized medicine have closed borders and/or good geographic isolation from impoverished nations (think UK and Canada), so any comparison here makes little sense. Also, those systems are just as unsustainable as ours would be. It's not about "functional for now," my post was about sustainability.

The difference, of course, between insurance "socialism" and socialized medicine is that people opt into it when they can afford it. In socialized medicine, everyone is by definition forced to be included in the pool. When your pool has more poor, sick people than healthy, rich people, the system fails.

When we open our borders with socialized medicine, the poor, sick people will come flooding in. At first we will take care of them because our system is rich. We give them food, unemployment checks, and pay their medical bills. Everyone feels good. This is where population biology happens (something you never even mentioned in your response). Because these poor, sick people are now well fed and healthy people, they start having babies. Lots of babies. More babies than we could pay for with what we had to give. I know, let's just take 10% more from the rich in taxes. This is compassionate, and seems sensible at the time. The cycle continues until the pool is more poor, sick people than healthy, rich people because resources are spread so thin.

This would still happen even with closed borders, just more slowly. The whole world has population problems and we are growing exponentially. Population growth does not stop until people begin to die as fast as they are born. Instead of accepting our fate that our populations will grow until we have an equal birth/death ratio and allowing poverty to exist now, socialization and welfare policies will support a much larger population until the planet itself is sucked dry of resources in a tiny fraction of the time. This is a depressing reminder that we are just animals and are not, as we today seem to assume, excluded from the rules.
 
I agree with your argument about healthcare; just because someone is sick or dying doesn't mean they are entitled to treatment. However, your immigration argument baffles me. In light of your realistic opinion on healthcare, I can't understand why you would promote such ridiculous ideals as "fair" immigration policies that allow anyone in.

If we let anyone who wants to be a citizen in, then that creates further strain on our government and social services, and it harms current citizens (immigrants compete for jobs, housing, and other things with current citizens). I know that your whole argument rests on the idea that the government shouldn't provide many (if any) social services, but even setting that aside doesn't mean that immigrants don't have a negative effect on current citizens.

For the vast majority of other countries in the world, you would be laughed at if you just showed up and expected to become a citizen. Yet, for some reason there is an idea held by many people in this country that we should just let anyone become a citizen if they simply arrive here. Do people honestly believe immigration has zero effect on a country?

Regardless, I am not criticizing you because of your beliefs concerning immigration, I am criticizing you because your beliefs on immigration are ridiculously idealistic while your beliefs about healthcare are harshly realistic. You say that no one has a right to healthcare and that some people are just unfortunate to have to die or be sick? I say that some people are unfortunate to have been born elsewhere in the world and they should strive to accomplish things in their own country and they shouldn't be given a free escape to this country.

If we're going to be realistic and harsh here, then don't make exceptions like you did with immigration policy.

Yes, open immigration would have a profound negative effect on this country and its citizens, small government or not. I'm not being idealistic because I am considering the full consequences. As I've said above, I just cannot accept the premise that it's moral to shut the door on a massive chunk of the globe and say "sorry, all full in here." To say that letting an immigrant in is giving them a "free ride" to a better life is assuming that it was our privilege to give in the first place. Weren't your relatives immigrants like mine? When did this piece of the globe become ours to divy out? Maybe we should all step out for a moment and see how many of us the Native Americans let back in. Ah, but when did it becomes theirs, either?
 
I asked "in the context of population biology and fair (read: open) immigration policy" and you answered in the context of neither. I should stop here, but I'm too much of a rockstar pre-med to stop running my pretentious mouth.

I'm not clever enough to know if that rockstar pre-med, pretentious mouth comment is directed at me or not. If it is, let's just keep it civil, no personal attacks.

You based most of your points on the premise that since we don't have open immigration, it's okay to ignore it as a direction to go in with other aspects of policy. Maybe we should start by asking if people should be able to move wherever they please or if it's acceptable to fence off entire sections of the planet and say "Sorry folks, all full here." If you agree the first is the only reasonable answer, then how can you support major legislation that would make the borders impossible to open? That fully runs on its ability to keep the majority of the population rich and healthy and not poor and sick? If you have a political ideology, you don't take each bill and accept it if it fits with the current system, you take steps in every place you can to fulfill your ideology. If your worldview supports open borders, the other things you support must fit consistently. If we don't agree on this point, there is no reason to go further with the conversation about appropriate healthcare policy.

Furthermore, the bill mandates that insurance companies use 80% of consumer premiums on paying for actual services (as opposed to administrative costs and profits). This is one step closer to a mirror of Swiss healthcare. In Switzerland, healthcare is mandated for all, but provided by approved private insurers who are heavily regulated, and cannot profit of the basic plan (but can profit off of more luxurious insurance policies)

You're creating a false polarization of immigration policy between an open border system, and saying "No" to everyone, when in actuality most countries allow immigration to some extent, but not free flow, so it's a middle-ground. We don't say "Sorry, we're full," but we do limit immigration. This is the system (reality) upon which I base my support for socialized medicine.

I understand that you have a bigger picture for world order, and that socialized medicine may be incompatible with that ideal, but I want to focus on policies which can help real people today, with more practical goals of what society will become (meaning I doubt we'll have open borders anytime soon).

I see no need to refrain from implementing socialized medicine while our borders are still semi-closed. If your ideal is ever realized, then perhaps we can reconsider.

Most other countries that have socialized medicine have closed borders and/or good geographic isolation from impoverished nations (think UK and Canada), so any comparison here makes little sense. Also, those systems are just as unsustainable as ours would be. It's not about "functional for now," my post was about sustainability.

I was comparing sustainability in a semi-closed border society. How are those system unsustainable? They have been running for over half a century, do you have reason to believe they will fail anytime soon?


The difference, of course, between insurance "socialism" and socialized medicine is that people opt into it when they can afford it. In socialized medicine, everyone is by definition forced to be included in the pool. When your pool has more poor, sick people than healthy, rich people, the system fails.

That's a valid point that insurance is optional (although that's no longer the case in the US), however people are not completely denied emergency care when they don't have insurance. This creates a system where people volunteer to pay, and some don't. Then the ones that don't end up getting very sick and can't/don't pay their bills so the volunteers end up paying for them as well. Is this fair? No! Why not require everyone to pay their fair share? The other alternative is to deny care to people who can't afford it, which most people will have trouble doing (think empathy).

When we open our borders with socialized medicine, the poor, sick people will come flooding in. At first we will take care of them because our system is rich. We give them food, unemployment checks, and pay their medical bills. Everyone feels good. This is where population biology happens (something you never even mentioned in your response). Because these poor, sick people are now well fed and healthy people, they start having babies. Lots of babies. More babies than we could pay for with what we had to give. I know, let's just take 10% more from the rich in taxes. This is compassionate, and seems sensible at the time. The cycle continues until the pool is more poor, sick people than healthy, rich people because resources are spread so thin.

This would still happen even with closed borders, just more slowly. The whole world has population problems and we are growing exponentially. Population growth does not stop until people begin to die as fast as they are born. Instead of accepting our fate that our populations will grow until we have an equal birth/death ratio and allowing poverty to exist now, socialization and welfare policies will support a much larger population until the planet itself is sucked dry of resources in a tiny fraction of the time. This is a depressing reminder that we are just animals and are not, as we today seem to assume, excluded from the rules.

First, do you propose that we use healthcare restriction as a form of population control? I find that to be unethical, as it favors the death of the poor, perhaps before they have had a chance to work or climb in society.

Secondly, you make a lot of claims that just aren't backed by real world observations. You claim that welfare states are unsustainable because they allow the poor to breed uncontrollably, and then we will run out of resources. However, examination of European socialized states shows that they have very stable growth rates and some are even shrinking. This is because elevating people out of poverty causes them to reproduce LESS. It is well known that the impoverished have more children, creating some sort of economic stability means that LESS children are born. This is evidenced by the current population biology of European welfare states. Where is the evidence for your assertions, aside from thought experiments?

Healthcare isn't a right. They shouldn't have let their insurance lapse, that's what COBRA is for. If you wan't good healthcare you have to pony up. The healthcare bill doesn't cut costs other than by cutting physicians reimbursements. Until people are willing to accept a lower standard they'll continue to pay out the nose.

Can anyone comment on this? MetalgearHMN?

Yes the healthcare bill did cut physician reimbursements from medicare. However the cut is meant to be temporary, and I believe the cut ends on November 30, 2010. Also, the bill cuts costs through other avenues as well. We are all aware of the phenomenon of uninsured people waiting to see a physician until their condition has gotten out of hand. Waiting until drastic measures are needed means we utilize more expensive measures (ER over Family Doc). By mandating that everyone have insurance, costs will be reduced because the previously uninsured will receive preventative and primary treatment, instead of expensive treatment in the ER and ICU after their conditions have advanced. There is expected to be an initial jump in healthcare costs, due to the onboarding of millions of previously uninsured, eventually the savings will offset this. This is one of the many reasons that the Congressional Budget Office (an independent and non-partisan body) stated that the bill help save money.
 
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I'm not clever enough to know if that rockstar pre-med, pretentious mouth comment is directed at me or not. If it is, let's just keep it civil, no personal attacks.
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To start - Europe sees "stable" population growth because of the nearly 1:1 abortion to live birth ratio it enjoys.
 
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QUESTION.
If this person has a good medical insurance, how much would he had to paid roughly??

I have what I consider to be "good insurance" and here's a few estimates based on my insurance website's treatment cost estimator for "in network" facilities around Boston:

EMERGENCY CARE BY PHYSICIAN
Emergency department visit of moderate to severe complexity
Estimated Treatment Cost: $261-342
Plan Responsibility: $241-322
Member Responsibility: $20

HIGH COMPLEXITY EMERGENCY DEPT VISIT (PHYSICIAN COST ONLY)
Standard charge for emergency room visit of high degree of difficulty
Estimated Treatment Cost: $177-231
Plan Responsibility: $157-211
Member Responsibility: $20

EMERGENCY ROOM CHARGES FROM FACILITY
Standard charge for use of emergency room
Estimated Treatment Cost: $716-1,292
Plan Responsibility: $616-1,192
Member Responsibility: $100

LAPAROSCOPIC APPENDECTOMY
Estimated Treatment Cost: $9,573-13,463
Plan Responsibility: $9,493-13,383
Member Responsibility: $80

So depending on how I make my way to the ER to be sent for an appendectomy I might spend about $200
 
I'm not clever enough to know if that rockstar pre-med, pretentious mouth comment is directed at me or not. If it is, let's just keep it civil, no personal attacks.

It was an attack on myself. 🙂 No hard feelings. I'll get to your post in a bit.

I actually feel really embarrassed that you thought it was about you. It would be really mean and hypocritical haha
 
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It amazes me that there are even pre-meds on here that aren't in favor of universal healthcare. Every doctor I've ever met in my entire life has been in favor of it. I don't understand how someone who wants to become a doctor would look the other way as people, potential patients, go untreated.

On another note. I think EMS should definitely be publicly funded. You don't get charged a bill if you call 9-1-1 for any other service, do you? No. Pretty soon they'll be running credit checks in the ED to see whether you'll be able to afford their services or not.

I agree with your argument about healthcare; just because someone is sick or dying doesn't mean they are entitled to treatment.

Yeah. I'd like you to tell someone with a curable ailment on their deathbed that they don't deserve treatment. Sorry, but we only treat rich people here. Maybe you could pray?
 
Healthcare isn't a right. They shouldn't have let their insurance lapse, that's what COBRA is for. If you want good healthcare you have to pony up. The healthcare bill doesn't cut costs other than by cutting physicians reimbursements. Until people are willing to accept a lower standard they'll continue to pay out the nose.

What about the people who go into the ER and don't or can't pay for their care? Physicians don't see any money there. At least with the healthcare bill ER physicians will be reimbursed somewhat for all the patients they see.
 
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