Link: ACA holding... - Page 6
Page 6 of 9 FirstFirst 123456789 LastLast
Results 66 to 78 of 108

Thread: ACA holding...

  1. #66
    BamaNation Hall of Fame 92tide's Avatar
    Join Date
    May 2000
    Location
    East Point, Ga, USA
    Posts
    34,979

    Re: ACA holding...

    Quote Originally Posted by TIDE-HSV View Post
    People, even those on Medicare, don't understand how it works and why it's so efficient. I wish I hadn't thrown away my most recent Medicare statement, so I could repeat the actual reimbursements. However, my "list price" for my heart bypass a few years ago was something like $120K.* The doc got paid well, but, it was something like $6K. When I had the first BCC surgery in October, the fee was reduced from $1.2K+ to something like $700, because it was the second surgery he'd performed that day. I was chatting with my Mohs surgeon while he did my surgery a week ago. He does eight patients in a ten hour day (without counting the drive back and forth from B'ham). He confirmed he only got paid the full fee for his first patient. He went further and told me that, if I'd needed additional cosmetic surgery, he would have not been compensated for that. He said "I would never think about leaving you with any disfigurement I could prevent." I will save my next Medicare statement and post the numbers. It's abundantly clear from this thread that many, if not most do not begin to understand how Medicare works...

    *With my asset structure, had I not been either on Medicare or privately insured, they could have taken it out of my hide. If not, with the bypass, stents, colon resection and cancer surgery, I would have been driven into bankruptcy, like so many thousands in the US are every year. I do not understand why this is not understood as a national disgrace and is regarded as such by the rest of the civilized world...
    we had a 4-5 year stretch that would have completely bankrupted us
    The Party told you to reject the evidence of your eyes and ears. It was their final, most essential command.

    - George Orwell

    If they can get you asking the wrong questions, they donít have to worry about the answers.

    ó Thomas Pynchon

  2. #67
    FB|BB Moderator NationalTitles17's Avatar
    Join Date
    May 2003
    Location
    Mountainous Northern California
    Posts
    12,224

    Re: ACA holding...

    Quote Originally Posted by CharminTide View Post
    But the solution is basically government-run healthcare (at least in part), which many people (mostly Republicans) have been conditioned to fear. So to be frank, folks need to either embrace the solution or stop complaining.
    I appreciate your enthusiasm and my opinion is that government has a role to play, but "embrace the solution or stop complaining"?

    A little too arrogant and egotistical for my taste. People have different ideas that are just as valuable as yours. There are legitimate concerns with any system from complete free market all the way through universal government-run systems. It was legitimate concerns with differing forms of government that brought about our form of government, which though not perfect, is one of the better forms out there. It would be wise to listen to differing views so whatever system changes that occur are beneficial and safeguards are in place against the unintended consequences.
    Roll Tide Roll!!!

    The TideFan formerly known as NationalTitles16, NationalTitles15, NationalTitles14, NationalTitles13, and NationalTitles12.

  3. #68
    BamaNation Hall of Fame CharminTide's Avatar
    Join Date
    Oct 2005
    Posts
    6,231

    Re: ACA holding...

    Quote Originally Posted by NationalTitles17 View Post
    I appreciate your enthusiasm and my opinion is that government has a role to play, but "embrace the solution or stop complaining"?

    A little too arrogant and egotistical for my taste. People have different ideas that are just as valuable as yours. There are legitimate concerns with any system from complete free market all the way through universal government-run systems. It was legitimate concerns with differing forms of government that brought about our form of government, which though not perfect, is one of the better forms out there. It would be wise to listen to differing views so whatever system changes that occur are beneficial and safeguards are in place against the unintended consequences.
    I'd love to hear alternative ideas, but I have never heard any other realistic method of controlling costs. All market-based attempts have failed outright. Folks who oppose a solution that involves the federal government tend to either invoke a solution that we've already tried and found lacking, or simply shrug and express an abstract reluctance without any alternative plan. I wasn't trying to be arrogant, only realistic -- we've been trying to find a way to reduce costs for decades while ignoring the one approach that has been proven successful both within our borders and abroad.

  4. #69
    BamaNation Hall of Fame
    Join Date
    Oct 2009
    Posts
    9,432

    Re: ACA holding...

    All those who actually remember when there was no such thing as health insurance, raise your hand.
    If you arenít old enough to remember that, (or when a college education in some places was tuition free), and youíre still convinced Medicare for all isnít a viable solution, then pure unadulterated capitalism has taken control of your brain and you canít see anything outside of a profit/loss perspective.
    If you are old enough to remember those days, not on Medicare yet (funny how no one on it has a single solitary bad thing to say about it but some of them donít want everyone to have it) but still decry Medicare for all, the brainwashing is complete.
    Youíve been processed. Congratulations.


    Sent from my iPhone using Tapatalk
    The supreme quality for leadership is unquestionably integrity. Without it, no real success is possible, no matter whether it is on a section gang, a football field, in an army, or in an office. Dwight D. Eisenhower

  5. #70
    BamaNation Hall of Fame Bodhisattva's Avatar
    Join Date
    Aug 2001
    Location
    Ponte Vedra Beach, Florida
    Posts
    19,932

    Re: ACA holding...

    Quote Originally Posted by TIDE-HSV View Post
    People, even those on Medicare, don't understand how it works and why it's so efficient. I wish I hadn't thrown away my most recent Medicare statement, so I could repeat the actual reimbursements. However, my "list price" for my heart bypass a few years ago was something like $120K.* The doc got paid well, but, it was something like $6K. When I had the first BCC surgery in October, the fee was reduced from $1.2K+ to something like $700, because it was the second surgery he'd performed that day. I was chatting with my Mohs surgeon while he did my surgery a week ago. He does eight patients in a ten hour day (without counting the drive back and forth from B'ham). He confirmed he only got paid the full fee for his first patient. He went further and told me that, if I'd needed additional cosmetic surgery, he would have not been compensated for that. He said "I would never think about leaving you with any disfigurement I could prevent." I will save my next Medicare statement and post the numbers. It's abundantly clear from this thread that many, if not most do not begin to understand how Medicare works...

    *With my asset structure, had I not been either on Medicare or privately insured, they could have taken it out of my hide. If not, with the bypass, stents, colon resection and cancer surgery, I would have been driven into bankruptcy, like so many thousands in the US are every year. I do not understand why this is not understood as a national disgrace and is regarded as such by the rest of the civilized world...
    I've talked to probably a dozen doctors at office parties and medical conferences where I've tagged along with my wife. I couldn't discuss the subject in as much detail with them as I'd like due to the setting, but what you said pretty much fits with what they told me. What they couldn't tell me with certainty is how much of the bill is a real cost (versus additional padded cost to cover the subsidies on other procedures). And of that real cost happened to the cost that was not paid? Does the hospital eat the cost? Does the taxpayer foot the bill? I'm not sure that getting a doctor to work for dimes on the dollar is the best plan. God bless him if he is willing to do that though.
    Bodhi


    Lily (age 6): Daddy, I know what I want to be when I grow up: an artist.
    Bodhi (internally groaning): Yeah? What kind of artist?
    Lily: A balloon animal artist!
    Bodhi (face palm)

  6. #71
    BamaNation Hall of Fame Bodhisattva's Avatar
    Join Date
    Aug 2001
    Location
    Ponte Vedra Beach, Florida
    Posts
    19,932

    Re: ACA holding...

    Quote Originally Posted by CharminTide View Post
    Now, what would the consequences of a Medicare-for-all system be for medical professionals? No idea. If overall reimbursement is reduced, hospitals would presumably have to decide between juicy administration bonuses, buying that fancy new MRI machine, or keeping their physicians and staff happy. Personally, I find it hard to imagine a system where public insurance entirely supplants private insurance. More likely, both would exist concurrently, a la the German healthcare system. That said, German physicians get paid trash money, so many of them leave to practice in Switzerland or elsewhere.
    Well, I would hope that quality medical staff would be retained. I don't really want to be worked on by Shaky the Surgeon and an anesthesia nurse with only an associates degree.
    Bodhi


    Lily (age 6): Daddy, I know what I want to be when I grow up: an artist.
    Bodhi (internally groaning): Yeah? What kind of artist?
    Lily: A balloon animal artist!
    Bodhi (face palm)

  7. #72
    BamaNation First Team Its On A Slab's Avatar
    Join Date
    Apr 2018
    Location
    Pyongyang, Democratic Republic of Korea
    Posts
    518

    Re: ACA holding...

    Quote Originally Posted by Bodhisattva View Post
    I've talked to probably a dozen doctors at office parties and medical conferences where I've tagged along with my wife. I couldn't discuss the subject in as much detail with them as I'd like due to the setting, but what you said pretty much fits with what they told me. What they couldn't tell me with certainty is how much of the bill is a real cost (versus additional padded cost to cover the subsidies on other procedures). And of that real cost happened to the cost that was not paid? Does the hospital eat the cost? Does the taxpayer foot the bill? I'm not sure that getting a doctor to work for dimes on the dollar is the best plan. God bless him if he is willing to do that though.
    During my Dad's convalescence, I had the good fortune to have to keep up with his bills. We would get these exorbitant bills, only to get the net several months later - a fraction of the original. I just paid off his final ambulance bills. The original was $1500 for a trip to the hospital. His part of it was $265.

    My Dad was a pharma rep for most of his life. He always railed against what he called "socialized medicine". Yet, when my Mom was going down the tubes, he spoke highly of Medicare. I never really asked him, "Where'd you think all that money came from?"

  8. #73
    Senior Administrator TIDE-HSV's Avatar
    Join Date
    Oct 1999
    Location
    Huntsville, AL,USA
    Posts
    62,145
    Thread Starter

    Re: ACA holding...

    Quote Originally Posted by Bodhisattva View Post
    I've talked to probably a dozen doctors at office parties and medical conferences where I've tagged along with my wife. I couldn't discuss the subject in as much detail with them as I'd like due to the setting, but what you said pretty much fits with what they told me. What they couldn't tell me with certainty is how much of the bill is a real cost (versus additional padded cost to cover the subsidies on other procedures). And of that real cost happened to the cost that was not paid? Does the hospital eat the cost? Does the taxpayer foot the bill? I'm not sure that getting a doctor to work for dimes on the dollar is the best plan. God bless him if he is willing to do that though.
    The docs I know complain about it, but, OTOH, they're doing fine on what Medicare's paying them. Nobody has the bargaining power of Medicare. In the heart bypass procedure I had, I'm pretty sure that the the $120K price tag was just the hospital. I think the doc finally was cut down to a mere $1,000 per hour, which isn't bad...
    "The cure for boredom is curiosity. There is no cure for curiosity. - Ellen Parr"

    'If today were the last day of my life, would I want to do what I am about to do today?' - Steve Jobs

    ďI would rather live my life as if there is a god and die to find out there isn't, than live my life as if there isn't and die to find out there is.Ē Albert Camus

    "When Fascism comes to America, it will be wrapped in the flag and carrying a cross." - Sinclair Lewis

  9. #74
    FB Moderator Bamabuzzard's Avatar
    Join Date
    Aug 2004
    Location
    Where ever there's BBQ, Crawfish & Football
    Posts
    23,918

    Re: ACA holding...

    Quote Originally Posted by TIDE-HSV View Post
    I thought the issue was doing away with medical insurance, not liability insurance? Maybe I didn't read closely enough...



    He used the generic term "insurance companies" but I'm certain he meant health insurance. However, this issue cannot be looked at in a vacuum nor can any potential solutions. Malpractice and general liability insurance costs are a part of the mark up on health costs as it is baked into the price of services rendered. But in our made up example of suggesting a surgeon needs to voluntarily accept a $150,000-$250,000 salary to operate on people. Let's say malpractice and general liability insurance still existed. The average cost of malpractice insurance in Louisiana for a general surgeon is approximately $20,000-$25,000 per year. My wife's cousin is a surgeon and just malpractice on himself is $24,000/year, that's not even counting the general liability policy they also have to take out on the practice. Which I have no idea what that yearly premium is. That's also not counting the worker's compensation policy the practice is required to have as well. Which again I have no idea what that figure is.

    So referring back to the posters who are suggesting that it would be feasible for surgeons to work for $150-$250K/year. It's a solution constructed in a vacuum in my opinion.


    Quote Originally Posted by CrimsonNagus View Post
    Yes, if you qualified for the credits, the ACA was great. Problem is that most middle class folks don't qualify for the credits. My premiums doubled during the fist year of the ACA through my employer insurance program. The open market was even more expensive because I didn't qualify for the credits. So, from my point of view, the ACA sucks.

    I do agree that support for Trump and the stripping of heath care by his base is odd because, their are probably plenty of them benefiting from the ACA credits.

    I have no clue what would fix health care in this country. I like reading well thought out post from people offering ideas. When Obama was pushing the ACA, I was 100% against government run health care but, I think I'm now leaning more towards that because nothing else has worked. All I know is that the insurance companies need to go away because they are the ones ruining the system. The only reason hospitals charge tens of thousands of dollars for a multi-day stay is because of the insurance companies.
    The existence of God isn't determined in the thoughts of man. God exists, no matter what man thinks.

    "It cost a lot of money to look this cheap."-Dolly Parton.

    "If you ever want to know how good your barbecue is start charging for it"-Myron Mixon

  10. #75
    BamaNation Hall of Fame Bodhisattva's Avatar
    Join Date
    Aug 2001
    Location
    Ponte Vedra Beach, Florida
    Posts
    19,932

    Re: ACA holding...

    Quote Originally Posted by Its On A Slab View Post
    During my Dad's convalescence, I had the good fortune to have to keep up with his bills. We would get these exorbitant bills, only to get the net several months later - a fraction of the original. I just paid off his final ambulance bills. The original was $1500 for a trip to the hospital. His part of it was $265.

    My Dad was a pharma rep for most of his life. He always railed against what he called "socialized medicine". Yet, when my Mom was going down the tubes, he spoke highly of Medicare. I never really asked him, "Where'd you think all that money came from?"
    I'd like to see how the $1500 was determined. Does it really cost that much per trip? If so, then someone is paying that bill. Real costs don't just disappear.

    Not a medicare issue, but I have a neighbor who has sleep apnea. He periodically gets CPAP machine supplies (mask, tubing). His cost is $30. The bill sent to the insurer is $900. For a mass produced plastic mask and tubing.
    Bodhi


    Lily (age 6): Daddy, I know what I want to be when I grow up: an artist.
    Bodhi (internally groaning): Yeah? What kind of artist?
    Lily: A balloon animal artist!
    Bodhi (face palm)

  11. #76
    BamaNation Hall of Fame Bodhisattva's Avatar
    Join Date
    Aug 2001
    Location
    Ponte Vedra Beach, Florida
    Posts
    19,932

    Re: ACA holding...

    Quote Originally Posted by TIDE-HSV View Post
    The docs I know complain about it, but, OTOH, they're doing fine on what Medicare's paying them. Nobody has the bargaining power of Medicare. In the heart bypass procedure I had, I'm pretty sure that the the $120K price tag was just the hospital. I think the doc finally was cut down to a mere $1,000 per hour, which isn't bad...
    I'm hopeful this is working as well as advertised, because it looks like a medicare for all (at least as part of a two-tiered plan) is where we are heading. My concern is that quality suffers and costs are shifted/hidden rather than seriously reduced.
    Bodhi


    Lily (age 6): Daddy, I know what I want to be when I grow up: an artist.
    Bodhi (internally groaning): Yeah? What kind of artist?
    Lily: A balloon animal artist!
    Bodhi (face palm)

  12. #77
    BamaNation Hall of Fame Bodhisattva's Avatar
    Join Date
    Aug 2001
    Location
    Ponte Vedra Beach, Florida
    Posts
    19,932

    Re: ACA holding...

    Quote Originally Posted by Bamabuzzard View Post
    He used the generic term "insurance companies" but I'm certain he meant health insurance. However, this issue cannot be looked at in a vacuum nor can any potential solutions. Malpractice and general liability insurance costs are a part of the mark up on health costs as it is baked into the price of services rendered. But in our made up example of suggesting a surgeon needs to voluntarily accept a $150,000-$250,000 salary to operate on people. Let's say malpractice and general liability insurance still existed. The average cost of malpractice insurance in Louisiana for a general surgeon is approximately $20,000-$25,000 per year. My wife's cousin is a surgeon and just malpractice on himself is $24,000/year, that's not even counting the general liability policy they also have to take out on the practice. Which I have no idea what that yearly premium is. That's also not counting the worker's compensation policy the practice is required to have as well. Which again I have no idea what that figure is.

    So referring back to the posters who are suggesting that it would be feasible for surgeons to work for $150-$250K/year. It's a solution constructed in a vacuum in my opinion.
    IIRC, malpractice insurance for professions like ob-gyns and anesthesiologists can run closer to $100k per year.
    Bodhi


    Lily (age 6): Daddy, I know what I want to be when I grow up: an artist.
    Bodhi (internally groaning): Yeah? What kind of artist?
    Lily: A balloon animal artist!
    Bodhi (face palm)

  13. #78
    BamaNation Hall of Fame CharminTide's Avatar
    Join Date
    Oct 2005
    Posts
    6,231

    Re: ACA holding...

    Quote Originally Posted by Bodhisattva View Post
    I've talked to probably a dozen doctors at office parties and medical conferences where I've tagged along with my wife. I couldn't discuss the subject in as much detail with them as I'd like due to the setting, but what you said pretty much fits with what they told me. What they couldn't tell me with certainty is how much of the bill is a real cost (versus additional padded cost to cover the subsidies on other procedures). And of that real cost happened to the cost that was not paid? Does the hospital eat the cost? Does the taxpayer foot the bill? I'm not sure that getting a doctor to work for dimes on the dollar is the best plan. God bless him if he is willing to do that though.
    Often, inflated payments from private insurance make up any difference. It used to be that some hospitals and practices tried to maintain a certain ratio of privately insured patients to Medicare patients, primarily to ensure they didn't have to eat the excess. This same buffer is used when an uninsured patient gets care and cannot pay their medical bills.

Bookmarks

Bookmarks

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  

TideFansStore.com Bama Gear

Alabama Crimson Tide gear at Fanatics.com