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NY Times Healthcare Article: MUST READ

Discussion in 'Pre-Medical - MD' started by TheRealDrDorian, Mar 5, 2007.

  1. TheRealDrDorian

    TheRealDrDorian Dr. Acula
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    Hey all-

    If anyone out there is like me when it comes to the US healthcare system (shaky), there is an article in today's NY Times that is really great. I just read it and it's an awesome supplement to the many sources out there. It's a nice, short description of some of the problems in the current system, and where it stands now. Hope it helps!

    http://www.nytimes.com/2007/03/05/us/05uninsured.html?hp
     
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  3. Krisss17

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    Personally, I think it s#$%$ks. Not the article, but the facts behind the article. I also don't blame it on the medical professionals but the insurance companies. I've just been hired by a job that will give me full health benefits, but before than I was flying without a net, and it was scary. I'm 42 so chances that something healthwise can derail me financially as well as physically.

    Until some kind of reigning in of the health insurance companies occurs, it'll only get worse. As a nontrad, I'm sure other nontrads are also concerned about this a little more than trads for good reason. As long as a student is going to school directly from high school to college to medical school (usually until 25 as long as they go to school), they will not be as worried. Of course, this is not to say that traditional students come from families without health insurance. Although getting a good rate insurance when you are 22 is a lot easier than when you are 42.

    Primary physicans can take a big role in this by: not prescribing unnecessary tests and most importantly, not prescribing medications (brand names) to patients that cannot afford them.

    Something has got to be done...
     
  4. TheRealDrDorian

    TheRealDrDorian Dr. Acula
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    Good points. I also think a general flow of events as far as dilemmas in the healthcare system is:

    Large amount of malpractice suits --> High price of malpractice insurance --> High salary of physicians --> High cost of healthcare --> High cost of insurance

    This is just my two cents, don't know how accurate it is. Thanks for you input Krisss.
     
  5. armybound

    armybound urologist.
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    Physicians only make a small amount of what a procedure brings in, why get upset with physician salary? Get upset with the 80% of healthcare cost that the hospital takes. Regarding not prescribing unnecessary tests: at what point do they become necessary? When they're unhappy with their treatment and suing you for not ordering it? Not all medications out there are generic.. there are a lot of things to consider in the choices doctors make.

    Either way, people being uninsured isn't good, sure. If you're at an extremely high risk like someone with cancer, can you really expect insurance to be cheap? Insurance companies are out to make money, and charging you $1,200 a year so they can pay out $50,000 in treatment isn't going to get their business very far. Same thing happens to people who get in 10 car wrecks a year.. eventually, no one will insure their cars, or they have to pay some ridiculous premium.

    Either way, I don't think socialism will fix this problem.
     
  6. Krisss17

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    Well, in regards to MD/DO salaries, agree with you. I think a big problem are the lawyers (sorry another major sore spot with me) who take every advantage to play on patients' emotions.

    No, I agree, $1200 a year for coverage to pay out $50,000 is not realistic...but neither is $27,000 (per article). Also, that patient isn't their only customer.

    Also, I think the driver that gets into 10 wrecks a year has a little more control than a person getting sick. I personally think someone that gets into that many accidents should just give up their license and take a bus.
     
  7. tdd340

    tdd340 Assistant to the sensei
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    I think that can be a very slippery slope . What about the person that is 50, 100, 150 lbs overweight, what about smokers, I would say they have a lot of control over how often they get sick. Should these people not be insured because they are making bad decisions like the bad driver? I think the situation is much more complex than laid out.
     
  8. TroubleTheCat

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    I have an idea of what can be done about the situation...we as Americans need to stop taking our health (and healthcare) for granted! Why are we so readily willing to pay hundreds of dollars each month on living expenses, transportation, food, etc. but when it comes to the most important thing (good health) we are so cheap???!!!!!! Yes you can afford to buy your own health insurance and no you don't need your employer to pick up the tab for you. It is called being responsible. You may say: "I cannot afford to pay for my healthcare costs because I need to make house payments, car payments, payments for the care of my children, etc." Well I would say to you: "You should have included the cost of your helathcare in your budget before you bought a house, before you bought a car, and before you had children, etc....You can find cheaper transportation (i.e. used cars, public mass transit, etc.), you can find cheaper living arrangements (i.e. apartments, taking on extra roommates, etc.), and you sure as heck should not have children if you cannot afford to care for them (which means ensuring that you can afford to provide them and yourself with whatever medical attention you and your children may need). And if you cannot budget wisely and make the sacrifices necessary to cover the things that you deem most necessary in your life...then find yourself a new job that pays better (they are out there...believe me). And while you are at it, do yourself a favor and exercise more than once-in-awhile, and stop eating so much unhealthy garbage (Every day when I ride the bus to work my jaw drops because everyone but me looks like they weigh ~200-300lbs...I can really see where the future costs of healthcare are coming from...our gigantic rear ends).
     
  9. Krisss17

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    True, and I did think of that. But I think the "control" word isn't as easy when you are talking about health reasons like that. Sure, saying don't smoke to a smoker, sounds easy in theory but unfortunately with addiction, whether it be nicotine, drugs, alcohol or food, requires a lot more behavior modification than taking away a drivers license for someone that doesn't have the maturity to drive safe (i.e. accident after accident after accident).
     
  10. dutchman

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    How will they do that when the same public is waiting to sue the crap out of them. Americans will have to choose what they want or shut the **** up. You can't expect to make the business of healthcare so risky by injecting a whole bunch of litigation into it and then turn arround and expect healthcare itself to be cheap.
     
  11. Krisss17

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    A lot of times what happens, especially to the older generations, is that they are totally intimidated by doctors and are afraid to say anything. Okay, maybe this is getting a little personal to me as I've been witness to that with some older citizens that do have things that they want to find out, but when MDs/DOs are understandably rushed due to the amount of patients they still need to see, the patient they are currently seeing can feel that tension and unless they write it down are apt to not lay out their health concerns. Not every patient sees an MD and says how can I sue them. I think that the #1 thing that patients want is for their MD/DO to really listen to them. It is this lack of attention if anything that sends some patients to lawyers. Again, I feel that this is a vicious cycle, because MDs are trying to do their best but they are being beaten down by the lawyers and insurance companies.
     
  12. HOLDENc

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    Exactly what was this supposed to shed light on????

    My advice to Ms. Readling is to get a job with health insurance, or maybe she could have had the foresight to do so years ago before she was afflicted with cancer. She could very easily have tagged on with a real estate company in the recent housing boom that would have covered her with health insurance:thumbdown: but you know what? She thought the grass was greener on the other side. She thought she could make more money (60K!) by going alone and failed to even consider what the lack of health insurance would mean. Soon, when she can't pay her bills, my premiums will go up to cover the loss. I get punished for having foresight. Ms. Readling gets her sob story in the NY Times.

    Universal Healthcare sounds nice. It has a nice ring to it. But ask Obama or Hillary how they intend to pay for it and things get a little less McDreamy. Why stop at Universal Healthcare? Why not throw in a ferrari? Lets throw poptarts in with the food stamps we are already giving out!

    The problem w/ socialism is that no one has any motivation to work hard. Our government is already over-extended with the entitlement programs it has in place. Social Security was by far our country's greatest blunder. FDR is praying we put Universal Healthcare into place b/c it will replace his idea of SS as the dumbest idea since the snooze button.
     
  13. Bubblehead-to-MD

    Bubblehead-to-MD Emergency Blow!
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    Preach on brother!
     
  14. beenthere2

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    This concept is less reasonable than it looks. What is an "unnecessary test"? One that comes out "negative"? NO, and this, in hindsight, is the criterion often used. A patient who has the signs and/or symptoms of a condition for which non-diagnosis can result in significant morbidity and for which the test has been shown to be helpful has the indications for the test, regardless of its outcome. Sure, some doctors "over-order" for the wrong reasons, including fear of med mal as well as patient insistence(advertising to the public, the media), which are areas that need correction. But many "negative" tests are ordered appropriately, and these attempts at curing the health-care financial crisis are not as simple as they appear.
     
  15. armybound

    armybound urologist.
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    damned if you do, damned if you don't.

    everyone wants perfect treatment but don't want to pay for it. oh, and if it's not perfect, you're going to get sued.
     
  16. Winged Scapula

    Winged Scapula Cougariffic!
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    Best quote from the article: "Another insurer suggested she remarry her former husband to get back on his insurance plan. ":rolleyes:
     
  17. alphaeve

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    Do you even know how much health insurance costs? I'm talking buying a plan on your own... when no part of your premium is paid by your employer. Say you buy a cheap not so great plan because that's all that you can afford. You're still talking like 150 dollars PER MONTH just to have the privilege of paying a 5000 dollar deductible before it even matters. I don't know about you, but I certainly don't have 5000 dollars sitting around. Frankly, if I had to buy my own health insurance, I would not be able to afford it, and I have a college degree and work for a great company. This is not just another budget item. This is a several thousand dollar a year raise, and frankly, those "higher paying jobs" you suggest are so abundant are not nearly as plentiful as you seem to think... particularly for the people you are suggesting get them.

    I don't necessarily think socialized health insurance is the best idea. I do, however, think the outcry over the current state of health care and health insurance is completely justified.
     
  18. HOLDENc

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    This is why ppl should tag on with a company that will foot the bill. My insurance costs $22 per month. Anyone can get a job where I work too.
     
  19. TroubleTheCat

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    Yes, as a matter of fact I do know how much it costs to buy your own health insurance. What you spoke of is basically a major medical insurance to bail you out of potentially paying millions if you get in a catastrophic car accident (coming up with $5000 is a hell of a lot easier than coming up with $2million).
    But you clearly have no clue what I'm talking about!!!! $5000 invested in your good health is $5000 well spent. Tons of people pay that much and then some for their yearly transportation costs (including car payments, car insurance, gas, repairs, etc.). Do you bellyache about how expensive it is to own a car and get around as much as you bellyache about how expensive it is to buy your own health insurance? If so then maybe you propose forcing your employer to pay the costs for you to own, use, maintain and insure your car? Why stop there?...force your employer pay the costs for you to own and insure your home. Before you know it your coworkers would have lost their jobs to pay for your expenses and in the end you will lose your job too. The fact of the matter is you need to get your priorities straight. Health insurance is very costly, but it is well worth the money. People need to drop this mindset that health insurance is simply a luxury expense. Just as you cannot formulate a budget that fails to allow funds for you to eat and drink you should also not formulate a budget that fails to cover your healtcare needs. My father thought he could get away with not paying for health insurance while he was working freelance and his employer did not contribute towards his HMO. He thought it would be really nice to save a lot of money as a result of being uninsured. Well, luckily he was hired on full-time and was earning full medical benefits LESS THAN 1 MONTH BEFORE HE HAD A MAJOR HEART ATTACK!!! A few major medical procedures later and how do you think he would feel about his little risky decision now had he suffered this heart attack a month earlier than he did? My point is that people need to be more responsible and not take their healthcare expenses for granted (it is well worth the money...believe me!).
     
  20. TheRealDrDorian

    TheRealDrDorian Dr. Acula
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    I know it's not much, and probably not possible, and some may think is a completely idiotic idea, but what are everyones thoughts on some sort of tax break for an American to be "in good health." Obviously it's a crazy idea, and in all reality people should not be spoon fed the notion of good health, but American society is beyond lazy...

    Random thoughts that I have...

    Then again, all this will probably do is be a bonus for people who already life a health lifestyle. Instead of a tax break, maybe we need a "Fat fee" or something to punish people not maintaining healthy lifestyles.
     
  21. alphaeve

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    TroubleTheCat,
    We are in agreement that health insurance should be considered a priority... I do not dispute that this is important. That being said, my point is that MANY people cannot afford rent, utilities, food, AND health insurance. For example: single person. Makes a little over a thousand dollars a month before taxes. Rent is 250 (because she has a roommate), utilities are about 60-80, gas to drive back and forth to the job, about 150, food for a single person about 200 because it's very hard to buy groceries for just one person, student loans are about 150, and car insurance is about 100 because in my town, we don't have public transportation, so this person would HAVE to have a car to even get to a job. Ok, so where does money for health insurance come in? This person has about 70 dollars left over for any unexpected expenses... car repairs... emergency travel... and this assumes that this person paid up front for the car she had to have. Good thing this person doesn't have to have any medications on a monthly basis... those could be expensive. Good thing this person hasn't already had some hospital stay or another, for which she could be paying forever. And notice, I'm not including money for clothes, for cable or internet, for going out, for a cell phone. These are the necessities.
    This person is my sister. Those are her exact payment amounts for her bills, and she did pay for her car up front. She has a college degree, she works 40 hours per week, and this is her financial situation.
    Fortunately, my parents pay her premiums so that she can have insurance, because we found out in December (a month before her insurance coverage ran out) that she has a heart condition, and if her coverage lapses, she will be uninsurable. Because of this, they are having to wait to build a house they were planning on building this spring because the extra 450 dollars per month to COBRA her is too expensive. My sister turns in new job applications every week trying to find a job that will offer health insurance. Thing is, she went to college instead of a training program for some technical skill so getting a job with benefits is very difficult.
    My sister is not unusual. Because of my job, I am constantly around very poor families who have harder decisions to face than I hope I ever have to face. My sister and I are BLESSED to have parents that can help us out. Most people are not so lucky.
    Thing is, it's unfair. I'm extremely greatful my sister has health insurance, but it's not fair that she does and that her next door neighbor does not because they don't have viable parents around. I'm just saying the system is broken. And health care.... something so basic, should not be a privilege. It's not ok that people who work and are educated and TRY cannnot even afford what they need.
     
  22. ClockworkDoc

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    Why make healthcare an option at all? Add the cost to the amount we pay in taxes thereby removing the burden from the employers thus making us more competitive as a nation. This approach would also eliminate the problems associated with the currently healthy no participating in insurance programs.

    OH NO, NOT BIG GOVERNMENT

    Don't worry my friend, we can still have the private market compete for your healthcare dollars. Different policies will be available for the tax payer to chose from. (depending on how they want their copay, deductible, co-prescription, etc. covered) What would be wrong with this system???
     
  23. sirus_virus

    sirus_virus nonsense poster
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    ^^
    You would have to raise taxes significantly, and you would have to tell guys like HOLDENc who is paying $22 a month to pay more so that alphaeve's sister could get covered. Tough to sell.
     
  24. Auraraptor

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    Health insurance should be completely tax deductible.

    End result, same for you.
     
  25. TroubleTheCat

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    The system is not broken, but rather the lives in the scenario you just provided are broken...and you want all of us to pay for it. It is not my fault or the fault of anyone else on this forum that you are down on your luck so is it fair to make us all pay for your problems?
     
  26. tdd340

    tdd340 Assistant to the sensei
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    Under this scenario the person would be making around $12,000 a year and would certainly be eligible for goverment assistance programs. The budget you have laid out would make buying insurance impossible but a large portion of those without insurance in the US are not living below the poverty line but the working uninsured. Yes something needs to be done to spread out the risk and lower the cost for everyone, but there is a lot to be said for personal responsibility. Just because health insurance is expensive does not mean that many more people could not afford it, rather they would prefer to have an extra couple hundred dollars a month. There has to be a balance but if the government foots the bill for Universal care don't think that it wont cost each and every one of us large chunk of change. Entitlement as they are will bankrupt this country and throwing on universal health care on top of that needs to be weighed VERY carefully in my opinion.
     
  27. ClockworkDoc

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    Breast cancer is not really a problem that you can easily avoid. Yeah, you can get yearly tests and eat right, but sometimes you just get unlucky. Doesn't a just society need to help ensure that we are secure and do not need to depend on luck in order to be safe and healthy?
     
  28. LizzyM

    LizzyM the evil queen of numbers
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    Maybe you aren't aware that real estate companies do not employ real estate professionals; each real estate broker or agent is what is called an "independent contractor". This means that they sent their own hours, provider their own equipment, and so forth. This means that they do not get salary & benefits from the company that they represent. Rather, in exchange for clerical assistance, office space, "brand" advertising, etc the real estate professional gives a cut of each sale commission to the real estate company to cover the cost of the services provided by the office.

    So, this woman who makes $60,000 per year an an independent contractor can buy insurance but it will cost $27,000 in premiums and $5,000 deductible before insurance will pay a penny in benefits. How does a person making $60,000 at their chosen profession (a very good income for a real estate professional -- well above the national average) find a better job with benefits or budget that $27,000-32,000 annual expense for health insurance (with the assumption that after taxes that $60,000 is more like $48,000).

    I'm seeing a lot of immaturity (lack of life experience) and misconceptions on this thread. It has been interesting reading.

    Thanks to the OP for bringing the NYT article to my attention.
     
  29. sirus_virus

    sirus_virus nonsense poster
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    That thing you call imaturity is the exact way the society as a whole reasons, and that is why it is tough to sell them any plans on healthcare reform, especially if it does not translate to "cheap" or better yet "free".
     
  30. LizzyM

    LizzyM the evil queen of numbers
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    No, the reason that health care reform is a tough sell is that the 200+ million Americans who are insured don't see a problem. Those who are paying $22 a month in premiums for excellent coverage don't see a problem. Those who don't wan to pay higher taxes to cover someone else prefer the status quo. And note how we blame the uninsured: they don't work hard enough, they don't budget, they have children they can't afford, they spend their money on luxuries like food and clothing, they eat too much and don't exercise.

    I think that some folks here have never had the experience of "walking a mile" in someone else's shoes.
     
  31. NickRiviera

    NickRiviera MS-Never
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  32. HOLDENc

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    The answer lies within your question.
     
  33. sirus_virus

    sirus_virus nonsense poster
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    You make a good point. Another thing that I was curious about is the number of uninsured Americans that choose to go without health insurance even though they can afford it(I used to be one). I think those people are throwing off our ability to gauge the problem properly, as all uninsured people are somehow viewed as "unable" to buy insurance, which I think is not the case.
     
  34. maddycat15

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    What kind of a hole are you living in???!! So if we assume that everyone is paying their own health insurance premium (and taking the bus, and living in a smaller house because of it), what happens when they get sick with the flu along with their 4 kids. They should have factored in the $ it's going to cost them to buy the outrageous drugs and the doctors' visits with no insurance coverage???

    I agree that people should take responsibility for their well-being by exercising and eating healthy, but there are plenty of healthy people out there that get sick with the flu, cancer, infections, etc..

    People are not "so readily willing to pay for living expenses." They have to! Access to health care should be a right given to everyone, not just the middle & upper class with good jobs.

    Please don't post on this forum ever again. The lack of your intelligence is hurting me:)
     
  35. sirus_virus

    sirus_virus nonsense poster
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    You were going good until you got to the whole "healthcare should be a right thing". How about shelter and food? Those things are not rights. I almost got evicted from my apartment a few years ago, I did not see the government stepping in and garaunteeing me shelter. If you are in the business of asking for healthcare as a right then what qulity of healthcare do you want? and how do you measure when your right to healthcare is violated? For example: should you have a right to have a dermatologist pop your pimples?
     
  36. HOLDENc

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    If they are dumb enough to live w/o health insurance I wouldn't expect them to plan that far ahead but to answer your question, yes.

    Also your last sentence is loaded w/ irony.
     
  37. Davjc2009

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    US Gov't absolutely CANNOT budget... simple as that.
     
  38. sejin8642

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    Well, we can follow good examples of foreign countrys' health policy such as national health insurance system or health education classes in high school.
     
  39. armybound

    armybound urologist.
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    health education? that might hurt the obese kids' feelings. we can't have that.
     
  40. ClockworkDoc

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    As a liberal, I agree with your sentiment. This country has become way too touchy feely for anyone's good. Everyone seems to defend their feelings like they can truly be hurt and cause injury.
     
  41. TheRealDrDorian

    TheRealDrDorian Dr. Acula
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    We can give him french fries to bring to class with him?

    (The above is a hopefully obvious joke)
     
  42. BarrySanders

    2+ Year Member

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    You people need to take a sociology class.
     
  43. alphaeve

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    I agree with maddycat that access to healthcare should be a right to everyone. I'm not saying we should pay for it in its entirety, and I'm not saying that we should force people to spend money on it. But some form of reasonably affordable health care should be an option for everyone.

    Thing is, there are only so many jobs with benefits out there, and it's far less than the number of people who need those benefits. It's a zero sum world when it comes to employment, and whenever one of us takes a job with benefits, that means there's one less for someone else out there. Unfortunately, the assertion that people should just get jobs, suck it up, and deal with it just won't work.
     
  44. LizzyM

    LizzyM the evil queen of numbers
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    $60,000 per year is above the median family income in the U.S. Are you saying that more than half of all American families are wrong for doing the jobs they have chosen to do?
     
  45. HOLDENc

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    Lizzy, you are introducing extraneous observations into this argument.

    All I am saying is that if a person is going to choose a profession that doesn't offer health insurance they need to consider how they are going to pay for it b/c I am tired of footing the bill b/c of their lack of foresight. If real estate companies don't offer health insurance I wouldn't reccomend anyone going into that sector until wages increase enough to offset the hit the worker will take when they purchase health insurance on their own. Ms Readling saw 60K and jumped at it w/ out thoroughly thinking through the consequences of her choices. Surprise! she came down w/ a case of cancer and has an amazing sob story for the NY Times complaining about how I am not footing the bill for her simpleton approach to life.:thumbdown:



    For everyone that thinks Universal Healthcare is a rational notion, I urge you to look at Canada where it is in effect. Yeah they don't have to pay for any of their healthcare needs BUT they pay upwards of 60%!!! of their paycheck in taxes and their healthcare system is f*cked on top of that. You wanna see your PCP for a cold? 1 month wait. Want to schedule a surgery? 6 month wait. There is a healthcare professional shortage in Canada too (workers make more in the US so many commute if they don't just move to America all together). On top of all this the Healthcare leaders all say the system is not working and they need more money to make the program solvent.


    Everyone WANTS universal healthcare. I WANT to have 20 minutes of bliss w/ Heidi Klum. Living in the real world is a b*tch.
     
  46. Zerodegree

    Zerodegree Junior Member
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    HOLDENc you're implying that woman described should change her chosen profession right?

    It brings up an interesting argument in which our current health system forces people to work in jobs that they would not want to and which are not in their comparative advantage to work in purely for health benefits. This to me seems in conflict with the free-market that private health care pretends to be a poster child for.

    Would a universal health care increase productivity and thereby real income by allowing people to work where they wanted without the baggage of fringe benefits?
     
  47. HOLDENc

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    Not at all.

    I encourage everyone to do what they want !BUT! I think everyone should recognize the baggage associated w/ certain professions.

    I always wanted to become a White Water Rafting Guide but I don't want to die. Instead of calling up the NY Times and whining about society not taking care of me, I chose a different profession.

    Trust me, if no one was willing to be a real estate agent b/c there was no healthcare insurance provided, the big firms (Century 21, Remax, Coldwell Banker, etc) would soon nut up and provide health insurance for the agents b/c they need workers or else they don't make money. The problem is many current agents, like Ms. Readling, see the 60K and take the job w/o thinking twice. The **** hits the fan when they come down w/ a nasty case of cancer and suddenly she wants society to help her get out of the big mess she is in.
     
  48. Zerodegree

    Zerodegree Junior Member
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    Why shouldn't access to healthcare be a right for this woman?

    I'm assuming she didn't do anything morally or ethically wrong that led to breast cancer. She may have had some kind of genetic predisposition which led to it but you know what, I have a genetic predispostion which causes me to pretty much suck at fighting, yes I'm a wimp. I know this so I don't go around trying to get my ass whipped, but one day some jerk off may just want kick some ass and mine's there for the kicking. Luckily for me, our govt has a system in place ostensibly in a police force that helps my cowardly ass.

    It is my right to have this system, yes I pay for it directly through my taxes, but I do it because I think it is absolutely essential to my well being.

    Cancer is a jerkoff, so is heart disease and diabetes. Sure there are things like diet and exercise which can alleviate their effects and we should all encourage these but they can only go so far. Some people have underlying genetic problems, like my wimpiness, that aggravate the situation and I believe it is in the interest of a developed nation like ours to give them the access to drugs and doctors to help them in their fight.
     
  49. LizzyM

    LizzyM the evil queen of numbers
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    Did you read past the first paragraph of the article, Holden? She was insured when she developed cancer and it sounds like she was covered under COBRA or a similar arrangement because her coverage was running out. She was shopping for a policy that would cover her and then the cancer was diagnosed. Suddenly, she could no longer buy an affordable policy. This lady wasn't making a choice to "go bare" and then wish she had insurance after she got sick. She had a policy that she couldn't renew. Self-employed people who self-insure have this problem quite frequently: once they become sick the premiums go through the roof and they can no longer afford coverage.

    One payer (Canadian system) is one solution but not the only one and there may be other ways to make it feasible for more Americans to get health insurance.
     
  50. sirus_virus

    sirus_virus nonsense poster
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    BTW, as future physicians, it is in our financial and ethical interest to have the uninsured insured. Maybe not through a single payer system, but we need to find a way to do it. 47 million uninsured people to me translates to 47 million potential bad customers.
     
  51. tdd340

    tdd340 Assistant to the sensei
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    Completely agree. It is our best interest both morally and financially to get these people insured, but I think we need to stray from a single payer system. The federal gov't has proven they can't handle entitlement programs. I personally prefer the idea of some of the supplementary programs fudned and provided by the individual states. The coverage isn't the best, ie high deductible, but it does provide coverage for disasters and emergency's. In addition states unlike the federal gov't have a mandate to balance their budget each year so the program would have to be paid for before it was implemented, not just borrowed against the future like Social Security.
     

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