- Joined
- Dec 18, 2005
- Messages
- 5,533
- Reaction score
- 9,423
Who could have imagined that the face of an onerous healthcare system would upset someone?
Good Lord. That's awful.
Who could have imagined that the face of an onerous healthcare system would upset someone?
Shocking/surprising how every place I read about this, the comments are filled with absolute disdain for this dude. Maybe not so surprising, but I guess it just goes to show how much people completely hate health insurance companies. Also makes me wonder about the social acceptance of vigilante justice increasing
I think there's a pretty big line between seemingly okay and unsurprised/expected this to be the outcome. I fall into the latter camp and completely abhor violence and would never advocate for it. But when you have rapidly increasing wealth inequality and pushes towards even more crony capitalism/kleptocracy it would be naive to consider that everything will be fine/as it has been.I had the same reaction. I very much dislike the way some insurance companies operate and suspect this CEO profited from causing quite a bit of pain. Still, this seems like a really bad development especially when paired with the incoming President having faced two assassination attempts during the recent campaign season.
I don't think we have to like the target to understand that this kind of vigilante justice is a big problem. That is especially true for us as psychiatrists, because I'm sure there are patients we have involuntarily committed or refused benzos or whatever else who would like to exact some vigilante "justice."
It seems unsettling that people come across (on SDN, reddit, news article comment feeds) as seeming pretty okay with this.
Interestingly, this is exactly what needs to happen with social media as well. No more protections for algorithmically promoted content if it leads to bad outcomes. They know they are making money sending you material that is worse for your morbidity and mortality and it's time to address the issues. That all said, this is exactly what won't happen in either case as both industries have an iron-fist hold over politics on both sides of the political spectrum.Here's my proposal to address the insurance company mess: get rid of protections (like those found in ERISA) that make insurance companies immune to malpractice suits.
If the patient's doctor recommends a treatment and the insurance company swoops in and says "actually, that treatment isn't indicated. You need to do X, Y, Z instead" then the insurance company is practicing medicine. If we are going to allow that, we need to expose them to the same malpractice risk that you, I, and every other physician faces for our decisions. Once juries start awarding big judgments for denied care I think the economics of these kind of obstructionist care-denying policies will shift rapidly. And in the end, the money is what can actually motivate these companies to change.
Not to defend the insurance companies, but there's a difference between saying "this treatment isn't indicated" and "we're not paying for this treatment". I get that there's not really much of a difference to patients, but from a legal argument standpoint I think it would be pretty easy to argue that they're not practicing medicine by denying coverage by just changing some language.Here's my proposal to address the insurance company mess: get rid of protections (like those found in ERISA) that make insurance companies immune to malpractice suits.
If the patient's doctor recommends a treatment and the insurance company swoops in and says "actually, that treatment isn't indicated. You need to do X, Y, Z instead" then the insurance company is practicing medicine. If we are going to allow that, we need to expose them to the same malpractice risk that you, I, and every other physician faces for our decisions. Once juries start awarding big judgments for denied care I think the economics of these kind of obstructionist care-denying policies will shift rapidly. And in the end, the money is what can actually motivate these companies to change.
I don't read any internet comments, ever, but I hear about them.Not to defend the insurance companies, but there's a difference between saying "this treatment isn't indicated" and "we're not paying for this treatment". I get that there's not really much of a difference to patients, but from a legal argument standpoint I think it would be pretty easy to argue that they're not practicing medicine by denying coverage by just changing some language.
Disagree on this point.Not to defend the insurance companies, but there's a difference between saying "this treatment isn't indicated" and "we're not paying for this treatment". I get that there's not really much of a difference to patients, but from a legal argument standpoint I think it would be pretty easy to argue that they're not practicing medicine by denying coverage by just changing some language.
Sure, but the legal argument is and has been 'You can pursue any treatment you want, we won't stop you, but we don't have to pay for it.' They don't have an obligation to pay for things that fall outside of the scope of the extremely carefully worded insurance policies they agreed to with their customers.Disagree on this point.
I get denials of care all the time and the letters that they send these patients are all worded such that "your doctor wants to do this but he is supposed to be doing XYZ instead, so we are not going to pay for what he wants to do"
I have never seen something like this in psychiatry other than times where I’m starting a expensive med (typically when cheaper alternatives are available) or there’s a pretty obvious deviation, like trying to start TMS or Spravato when a patient has only ever taken Prozac. I’ve never seen a letter saying “your doctor is supposed to do x,y, z” as that seems to be pretty obviously stepping outside their role.Disagree on this point.
I get denials of care all the time and the letters that they send these patients are all worded such that "your doctor wants to do this but he is supposed to be doing XYZ instead, so we are not going to pay for what he wants to do"
I had one this week "your doctor is ordering a scan to check for infection (I wasn't - Radiation Pneumonitis isn't an infection...) and they should be doing that only if you haven't responded to treatment after 2 or 4 weeks"I have never seen something like this in psychiatry other than times where I’m starting a expensive med (typically when cheaper alternatives are available) or there’s a pretty obvious deviation, like trying to start TMS or Spravato when a patient has only ever taken Prozac. I’ve never seen a letter saying “your doctor is supposed to do x,y, z” as that seems to be pretty obviously stepping outside their role.
Yup, they didDidn't blue cross, or whatever shiet insurance company it was, backtrack on charging for anesthesia time that went over their self determined arbitrary time cutoff right after this news came out?
That’s pretty messed up and seems much less ambiguous than what I’ve seen.I had one this week "your doctor is ordering a scan to check for infection (I wasn't - Radiation Pneumonitis isn't an infection...) and they should be doing that only if you haven't responded to treatment after 2 or 4 weeks"
Except that's what it has morphed into with no end in sight. And because they hide away from patient care we end up being the evil face of care denial.The UHC lawsuit over using AI to deny coverage is the more wild story, imo. Sad for the guy, he didn't deserve to die, but neither did all the other people who died because they couldn't get treatments due to healthcare costs and insurance dropping them.
In case people didn't know, health insurance companies can arbitrarily change how much they reimburse doctors, hospitals, etc and they can stop covering areas of the US just as easily (they know where the high utilizers live). Health insurance is supposed to be there to provide a pool of money that people who need them can draw from, not a money making enterprise for investors.
Right. Nothing like the patient asking, "can you call them and ask?" or "why can't you do anything about it?" Like the MD/DO is powerful but not that powerful. We are increasingly at the whim of hospital admins and insurance companies that try to dictate how we deliver care and are ruining the field for us. No one wants the pay of a single payer healthcare system but what we got ain't working. either. I think other countries have figured out that there's not supposed to be money in healthcare.Except that's what it has morphed into with no end in sight. And because they hide away from patient care we end up being the evil face of care denial.
We actually pay more for our health care, and get fewer years of life in return, than other developed nations with single payer systems. We just call it "premiums" while they call it "tax".No one wants the pay of a single payer healthcare system but what we got ain't working. either. I think other countries have figured out that there's not supposed to be money in healthcare.
We actually pay more for our health care, and get fewer years of life in return, than other developed nations with single payer systems. We just call it "premiums" while they call it "tax".
That said, and while I'm a fervent advocate of single payer/Medicare for All, it wouldn't solve the problem of some treatments just being more than the paying entity can afford. There's unavoidable care rationing in all systems.
Single payer with elimination of profit motive would, however, reduce the bureaucratic overhead and eliminate the nonsensical costs of paying specialists to figure out how to better deny care (aka minimize"medical loss").
There's only 2 true single-payer systems in the world (Canada and Taiwan), so not exactly much of an n for comparison. Single payer and universal are very different things. I'm all for a universal system (which most developed countries have), but single payer in the US would likely be a total disaster.We actually pay more for our health care, and get fewer years of life in return, than other developed nations with single payer systems. We just call it "premiums" while they call it "tax".
That said, and while I'm a fervent advocate of single payer/Medicare for All, it wouldn't solve the problem of some treatments just being more than the paying entity can afford. There's unavoidable care rationing in all systems.
Single payer with elimination of profit motive would, however, reduce the bureaucratic overhead and eliminate the nonsensical costs of paying specialists to figure out how to better deny care (aka minimize"medical loss").
....
This man is essentially a CPA who worked his way up to be a very gloried CFO. People have to know he has no role in individual case determinations and really no role in setting specific medical or mental health coverage policy, limits, or direction.
UK and Australia also have single payer I believe.There's only 2 true single-payer systems in the world (Canada and Taiwan), so not exactly much of an n for comparison. Single payer and universal are very different things. I'm all for a universal system (which most developed countries have), but single payer in the US would likely be a total disaster.
I did actually work in a VA during my training (not since) and frankly I thought the access to care was incredible compared to what most Americans are dealing with. Although I'm not sure many of the veterans actually appreciated that, they did seem to take it somewhat for granted.The bolded sounds like someone who's never worked in a VA...
The single payer/single provider system (VA, Kaiser) has a lot of advantages but seems like way too heavy a lift to implement on a nationwide basis given we are starting from our current piecemeal system.The VA provides objectively better and cheaper care than the private sector when both are taken as a whole. You can certainly find outlier hospitals in each, but single payer and provider always has been the way to go. I do agree that there are perverse incentives, particularly around disability payments and there's definitional adverse selection. Both of these definitely bring down some VA metrics, but these would not be present in a non-veteran system and the VA STILL outperforms even with these present.
Yes please, I'm sure Epic will block this, but we need to do this so badly. People are absolutely and literally dying due to this problem.I agree, Medicare first. Second step is mandating absolute 100% information sharing between EMRs. No EMR should be considered HIPAA compliant if it does not share information with other system's EMRs to the identical extent and manner it shares information locally. Then...we'll start to be in a better position for single provider.
To the above point, this is one of the things that works extremely well in the VA system.I agree, Medicare first. Second step is mandating absolute 100% information sharing between EMRs. No EMR should be considered HIPAA compliant if it does not share information with other system's EMRs to the identical extent and manner it shares information locally. Then...we'll start to be in a better position for single provider.
Is this Physicians Mutual?I have had personally, and been paneled with an insurance company that is a not-for-profit, founded by physicians. Easily get real live people on the phone, pays well, comparable premiums, too. But they weren't expanding and taking over the market share, of employers selecting it. Love working with this company when compared to all the others.
I wrote an MBA paper ~10 years ago on Australia's system and they're barely universal. They have universal care for primary care, but most specialists aren't covered and require purchasing supplemental insurance. I used to be a huge advocate for their two-tier system until it almost collapsed several years ago.UK and Australia also have single payer I believe.
I'm not opposed to more complex/tiered systems like Germany etc have but as a practical matter, I think the most straightforward step for the US to get from here to there would be to just expand Medicare.
This is false. There is no "prescription coverage" purchase. Most people don't pay anything for prescriptions in the UK but if they do, there is a nominal fee for prescriptions (under 10 pounds) and you can pre-pay for a very reasonable price if you have a lot of prescriptions (this is just in England - prescriptions are free elsewhere in the UK for everyone). Under 18s and over 60 never pay. It is not anything like Part D medicare. You are correct that the NHS no longer covers most dental or vision services for adults but it is rare for people to have private insurance for dental and vision. The cost of an eye exam is about 30 pounds at most.UK is much closer but still not truly single payer and varies between then individual countries (ie Englad vs Scotland). For example, in England you have to separately purchase prescription coverage (like Part D in the US) and some prescriptions aren't covered even when available. NHS also requires private insurance for coverage of dental, vision, etc.
Access is variable within the system. Some resources are fantastic, other basic ones are shockingly bad. The major metro I was at had zero sleep specialists and maybe 2 urologists between 2 hospitals and probably 10 CBOCs. Endocrine was excessively available though to the point we could get same week and sometimes day after discharge appointments.I did actually work in a VA during my training (not since) and frankly I thought the access to care was incredible compared to what most Americans are dealing with. Although I'm not sure many of the veterans actually appreciated that, they did seem to take it somewhat for granted.
There are plenty of issues with the VA but I don't think they are at all related to (or nearly as bad as) the ones that plague for-profit health insurance. A lot of them are more related to perverse incentives that are specific to other aspects of that system and patient population.
Sorry, but the "objectively better" part is highly suspect to me. I rotated through a 5-star rated VA for 1 rotation where I literally would not allow a dying rat to be treated. Some of the horror stories I have are beyond unacceptable (patient on tele having an active STEMI for 6 hours and nurses/night doc just silenced the alarms, for example), yet that hospital has gotten multiple awards and recognition. So I don't buy their metrics.The VA provides objectively better and cheaper care than the private sector when both are taken as a whole. You can certainly find outlier hospitals in each (and the VA always makes national news with every miss), but single payer and provider always has been the way to go. I do agree that there are perverse incentives, particularly around disability payments and there's definitional adverse selection. Both of these definitely bring down some VA metrics, but these would not be present in a non-veteran system and the VA STILL outperforms even with these present.
This is the big issue and even creating a tiered Medicare-for-all system would be difficult. I would guess that doing so would tank reimbursements closer to Medicaid level and lead to many docs opting out if they could. Would just bring up a similar problem to what we see with insurance that coverage =/= care.The single payer/single provider system (VA, Kaiser) has a lot of advantages but seems like way too heavy a lift to implement on a nationwide basis given we are starting from our current piecemeal system.
It would require us to retool our entire hospital, clinic, medical education system - everything.
Expanding Medicare (single payer, multiple providers) would be a much more straightforward process in comparison.
I'd actually flip those. I think a unified EMR would be the single most beneficial and impactful thing that would immediately improve American healthcare. As slow and clunky as CPRS is, there's absolutely something to be said for a 20+ year old system that's still functioning and honestly better than some other major EMRs out there. I know how unrealistic this wish is though given the joke that Cerner/Oracle has been with their VA contract.I agree, Medicare first. Second step is mandating absolute 100% information sharing between EMRs. No EMR should be considered HIPAA compliant if it does not share information with other system's EMRs to the identical extent and manner it shares information locally. Then...we'll start to be in a better position for single provider.
There absolutely is:This is false. There is no "prescription coverage" purchase. Most people don't pay anything for prescriptions in the UK but if they do, there is a nominal fee for prescriptions (under 10 pounds) and you can pre-pay for a very reasonable price if you have a lot of prescriptions (this is just in England - prescriptions are free elsewhere in the UK for everyone). Under 18s and over 60 never pay. It is not anything like Part D medicare. You are correct that the NHS no longer covers most dental or vision services for adults but it is rare for people to have private insurance for dental and vision. The cost of an eye exam is about 30 pounds at most.
I won't detract a ton, but we've had this discussion before. I've been through 6 different VAs/CBOCs in multiple states (3-4). I'm familiar with multiple VISNs and the system. Yes there is a ton a variation, obviously, but there are plenty of problems with are an issue across many VAs (the need for community referrals, burnt out staff, etc). There's plenty of great VAs too. My points are the same as they've always been, and I think the issues would only be worse if the system had to expand to cover the full populace.See this really grates on me when people talk about their own personal bad experience at one VA (often in training). I'm talking about the VA as a whole. There are bad hospitals EVERYWHERE. Horrible non-VA hospitals just don't make the national news because they aren't a federal entity. When you look at the VA as a whole, it's just simply better than the private sector. I mean here's just one random study on COVID. This is kind of stuff I'm talking about:
![]()
Comparison of the Impact of COVID-19 on Veterans Affairs and Non-federal Hospitals: a Survey of Infection Prevention Specialists - PubMed
In our survey-based national study, lead infection preventionists noted several distinct advantages in VA versus non-federal hospitals in their ability to expand bed capacity, retain staff, mitigate supply shortages, and avoid financial hardship. While these benefits appear to be inherent to the...pubmed.ncbi.nlm.nih.gov
Despite this post being hyperbolic, it is probably still closer to reality than the more reasonable sounding thought that expansion of federal government into healthcare would be an improvement.After Covid and how things were handled, a massive chunk of the country has no interest in further expansion of government into health care. Those abuses, those sins won't be forgotten.
Things are crumbling around us.
People don't even want allopathy.
ARNPs are rising. DCs too. NDs thrice.
Anti vaxers are now equally left leaning and right leaning politically.
Woke scat in medicine, too, is turning a lot of people off and lowering the level of trust they have in their doctors.
Things are only going to get worse.
The entropic pull to shamanism is strong, and that's the future of medicine the way things are going.
Oh come on, that's $140 bucks a year if you are a high utilizer to reduce your costs. You don't need to purchase it and most people who aren't taking a ton of meds don't require anything for Rx coverage in England.There absolutely is:
NHS Prescription Prepayment Certificate (PPC) | NHSBSA
A PPC could save you money if you pay for your NHS prescriptions. The certificate covers all your NHS prescriptions for a set price. You will save money if you need more than 3 items in 3 months, or 11 items in 12 months. The prescription charge in England is £9.90. A PPC costs:www.nhsbsa.nhs.uk
I think you're arguing semantics over my point that you have to pay for PPC separate to obtain certain services including many prescriptions. You're correct that these are still typically far cheaper than in the US though.
That said, how much would this cost in the US? Brits pay on average around 8% of their total income in taxes just for healthcare system. Would the US be able to create similar treatment and care for that cost or would it be more? Idk, but worth pondering how much we'd be willing to pay in taxes to create that system.
You’re missing the point. I’m not saying it isn’t a cheaper option for patients, I’m just saying it’s not a single payer as pharmacies are privately owned and paying for meds is based on their pricing or contracting with the gov separately to reduce costs (ie PPCS).Oh come on, that's $140 bucks a year if you are a high utilizer to reduce your costs. You don't need to purchase it and most people who aren't taking a ton of meds don't require anything for Rx coverage in England.
My company +myself pays $20k a year for a medium quality healthcare plan for 2 adults and 1 child. Yes that is less than 8% of my salary as a doctor but it's WAY more than 8% of the median household. That's not even counting the medicare tax already taken out of my pay...
UK is much closer but still not truly single payer and varies between then individual countries (ie Englad vs Scotland). For example, in England you have to separately purchase prescription coverage (like Part D in the US) and some prescriptions aren't covered even when available. NHS also requires private insurance for coverage of dental, vision, etc.
Canada as a single payer system is actually somewhat debatable too, as they defer a lot of their processes to the provincial level and quality of system varies significantly between provinces. One of my co-residents on my IM rotation was Canadian and asked me about ECT in the US as her dad was admitted for catatonic depression. He'd been inpatient psych for 3 months at that point and was still waiting just for approval despite them having it readily available.
You’re missing the point. I’m not saying it isn’t a cheaper option for patients, I’m just saying it’s not a single payer as pharmacies are privately owned and paying for meds is based on their pricing or contracting with the gov separately to reduce costs (ie PPCS).
I am certain the insurance industry does not care about subsiding RD of new drugsMight be a fantasy of mine, or perhaps not, but how much of the United States' expensive healthcare is insurance subsidizing "big pharma" to invest in R&D so that new pharmaceuticals can be developed, benefiting the rest of the world by proximity? How many new pharmaceuticals are developed, tested, and to be sold for the US market vs the rest of the world? If private insurance is a necessary evil for R&D, that seems better than the traditional method (war).
Of course they don’t “care” about it. They are motivated by profit. Doesn’t mean that it is not how it works. This whole concept of care is an interesting one and how it gets thrust into the debate so much. Some people are very caring and altruistic and some people are greedy slimy bastards and most of us are somewhere between the extremes. Systems are a different story altogether and I have seen some very toxic systems made up of caring people.I am certain the insurance industry does not care about subsiding RD of new drugs