Announcement Announcement Module
Collapse
No announcement yet.
Health Care Reform Page Title Module
Move Remove Collapse
X
Conversation Detail Module
Collapse
  • Filter
  • Time
  • Show
Clear All
new posts

  • Health Care Reform

    First let me say I believe most of us would agree we need some type of Health Care Reform. The real arguments come in when we talk about how to pay for it. We have ideas like let's tax the rich because the majority will get a free ride. Of course the rich include the companies we all buy from so it will cost all of us more. Now there is talk about taxing health care benefits received from employers but the Unions are against that because their members will be burdened. I thought I would try and start a thread where we ignore how we will pay for Health Care Reform and instead talk about how to make it accessible to everyone.

    I believe Health Care Reform should include the following:

    1. Each insurer you be required to take "assigned risk" just like with autos.
    2. Each insurer should be required to have a bare-bones, zero-selective policy meant to keep a member physically well.
    3. The government should subsidize the verifiable needy insurance costs.
    4. Pass responsible tort reform which would protect all parties.
    5. Allow insurance providers access to all 50-States to improve competition.
    6. Create a medical lien to assist medical providers in collecting from those who gambled and did not buy coverage.
    7. We need to tighten up our borders.
    8. Aliens who enter legally must provide proof of medical insurance if they are going to have an extended stay.
    9. Work with the drug companies to better control costs of drugs.
    10. When a new drug is discovered with the help of tax payer dollars, all drug companies should be permitted to manufacturer that drug and pay a fee to the Government.

    Well there is just a few ideas.

    Mark
    "Somewhere a Village is Missing Twelve Idiots!" - Casey Anthony

    I never lost a cent on the jobs I didn't get!

  • #2
    Re: Health Care Reform

    Tort reform and competition alone would do wonders.

    Re tort reform: How much is someones life really worth?
    If my DR does something that causes my death, should my family get 40 million? 60 million? 10 million?
    I think it should be based on my potential earnings to the age of say 80yrs.
    INSIGHT PIPE is now Maine Drain Serving most of ME with no charge for travel! 207-431-6232 is nolonger a working # our NEW # is 207-355-1476
    Sewer main snaking (roto rooting). Sink clogs. Sewer backup. Pipe inspection/locating. No Dig trenchless repair. Root clog removal.We are NOT to replace your local Plumber, as we do not do plumbing. WE ARE YOUR DRAIN CLEANING EXPERTS!!! www.sewermaine.com waterville winslow bangor augusta skowhegan fairfield pittsfield oakland

    Comment


    • #3
      Re: Health Care Reform

      Mark, you have taken the time to clearly layout some reasonable guidelines and goals, unfortunately our legislators have proven to be unreasonable people. Some of them try and sneak in legislation to favor their state and get special treatment or exemptions. I think for any plan or plan ideas such as yours to work, there must be strict enforcement of immigration and other laws which so far has not happened! I won't talk about how to pay for any reform, but the word itself implies "change" from the current system or way of doing business. We have recently witnessed the reports exposing severe overcharging to medicare for supplies, medications and services by upwards of fifty percent over that which is offered on the open market. The end result of those reports was not cost cuts and savings as one would assume, it was business as usual once the special interest lobbyists got involved. I think unless there is government reform, there cannot be healthcare reform. I also think to beat a dead horse, unless our leaders come up with a plan to break free from our dependeance on communist china for our consumer goods and loans healthcare will be the least of our problems! Our government is an out of control, irresponsible individual on an endless spending spree, charging our national credit card with no intention or ability to pay. The credit will soon run out, where will that leave us? I understand healthcare reform is a necessity, but is it the most urgent problem facing our nation?

      Comment


      • #4
        Re: Health Care Reform

        "verifiable needy"

        When the Government starts counting heads that fit this term I wonder what the numbers will be

        Franki, how can ANYTHING be more important than you or your familys' health and well being?

        Comment


        • #5
          Re: Health Care Reform

          Originally posted by Gene Bickford View Post
          Tort reform and competition alone would do wonders.

          Re tort reform: How much is someones life really worth?
          If my DR does something that causes my death, should my family get 40 million? 60 million? 10 million?
          I think it should be based on my potential earnings to the age of say 80yrs.
          Tort reform is a great concept but in reality it accounts for very little of the heath care costs. Eliminating every penny spent to settlements would account for less then 1% of the nations health care costs.

          Competition would be great but unless a public option is put up there will continue to be little competition. A few large companies own all the insurance providers. It isn't a business where another player can come in and get market share.

          I am for taxing the rich. We've had tax rates for the top 10% as high as 50% in the past with ceo's making 32 times the salary of their workers and we've gone down to 33% in a time where Ceo's are earning hundreds or times over their average employee. I'm not talking about people that make 200,000 a year either where they like to set the higher tax bracket. I'm talking about people making millions of dollars a year.

          I think health care costs need to be separated from businesses. The average American has no idea how much their insurance actually costs as our current system forces employers to take on the majority of the costs. This destroys a companies ability to compete in a global market.

          I think we should put through legislation to get medical research back into our colleges where it belongs. Medical research should be for the public good. Profiting on the lives of our people is a sad concept.

          Comment


          • #6
            Re: Health Care Reform

            Originally posted by plumberscrack View Post
            "verifiable needy"

            When the Government starts counting heads that fit this term I wonder what the numbers will be

            Franki, how can ANYTHING be more important than you or your familys' health and well being?
            I'd like to answer that as honestly as I can because it is a serious question. When I think about my own health and well being and that of my family, I think of all the things that figure into that answer. Access to good doctors, medicine, is no small part of that answer, but there are other things such as a healthy diet, exercise and a bit of luck. I can't answer that question without thinking of our "well being" as more than what I've already mentioned. If those in the military and in other service to our country risk their health and welfare for a greater purpose, how can I not consider such things as important for the continued good health and well being of myself and my loved ones? Will we benefit from reformed healthcare if the trade off is irreversable damage to our way of life? We live in the moment, our immediate concerns are for ourselves and loved ones, but if we are to have a future America that offers liberty, opportunity and the amazing life we enjoy, we cannot ignore the other very serious issues at hand. I don't know what happens if we don't turn our economy around, employ Americans, stop borrowing from communist china and losing jobs to the rest of the world. I think about my wife's Cancer returning, my own health problems, my children's health and hope the healthcare will be there if needed. I think about the thousands of families losing their coverage daily, losing jobs, homes and I wonder if there is a greater risk to our health and well being maybe six months or a year down the road?I can afford to think beyond healthcare coverage at the moment because I'm not in any immediate danger of losing mine. I don't say this to be inconsiderate of others, it's just that I have the luxury of thinking beyond that very serious concern for the moment. I don't think any of us would trade our good health or that of our family for great wealth it's too precious indeed. I am saying we can't assume these other things I've mentioned can be put on hold while our politicians kill the clock and refuse to make the necessary changes to ensure true healthcare reform. Once again to give a specific answer, there may not be anything more important, but in my opinion there are a few "equally" important if we are to live free and live well with our good health.

            Comment


            • #7
              Re: Health Care Reform

              I just cropped my ears with my toenail clippers.


              I think it's out of our hands, and it seems like it will follow the millions wasted on emissions testing that proved too much a hardship on the poor man.


              At least it was debunked in KY and OH, don't know about other parts of the country but it was running in the red from day one.


              I'm cutting my tongue off at midnight.
              Northern Kentucky Plumbers Twitter Feed | Plumbing Videos

              Comment


              • #8
                Re: Health Care Reform

                Originally posted by DUNBAR View Post
                I just cropped my ears with my toenail clippers.


                I think it's out of our hands, and it seems like it will follow the millions wasted on emissions testing that proved too much a hardship on the poor man.


                At least it was debunked in KY and OH, don't know about other parts of the country but it was running in the red from day one.


                I'm cutting my tongue off at midnight.
                Cost us $800.00 in parts and repairs to try and get my wife's 1998 Ford Windstar to pass CT emissions. Couldn't get the "service engine light" to go out, bad cylinder! Well, the vehicle does have 140,000 miles on it. Can't afford to get rid of it, shame though I took good care of that vehicle and still it didn't hold up. State gave us a pass for the money spent. Two years from now they will give us another chance to fix this fine American Auto. What's $800.00 anyway? Probably would have wasted it on a big screen tv made in china, the state did me a favor. Yeah, I trust our government to run healthcare.

                Comment


                • #9
                  Re: Health Care Reform

                  I have a better idea...........

                  Before introducing this new miracle health care scam ....how about the boys and gal in
                  Washington address the already existing fraud in Medicare, Medicaid, and SSI?????

                  If they can eliminate the fraud and misrepresentation they can save close to a trillion dollars or more.

                  Then they can reestablish some trust in the masses.....

                  Then modify Medicare and Medicaid to absorb those without access to insurance at an equitable cost.

                  Then address the rip off lawyers...I'm not against malpractice or malpractice lawsuits, but I am against ten million dollar payouts for a bad boob job and the law firms get 25-50% of the winnings!!!!!

                  They can set up a pay table..for example if a surgeon leaves a sponge in a patient and is sued..the payout is to fix the problem, fine the Doctor for being sloppy, a few extra bucks for the patient's grief and 5% to the lawyer....

                  They already have such a system in unfairly reimbursing Doctors for their services.

                  The malpractice insurance costs will be reduced and more money for patient care will be available. With the fraud addressed no new money would be required.

                  The reason a hospital charges 10 bucks for an aspirin is to make up for their financial loss
                  treating an illegal alien...
                  Now I'm not that cold and believe any emergency care to a person is our moral responsibility..but even illegal aliens should be financially responsible and pay something for their medical care NOT FREE!!!

                  If you're truly indigent then of course you'll get cared for and perhaps some bartering for services can be arranged later...

                  Oh illegal aliens should be immediately detained and ICE [ha ha ha] should deport them as soon as they are well enough to travel!

                  They also need to repeal the law about if illegals are here and their kid is born in the USA the child is a citizen....that's crap! this law was made to provide the slaves way back when
                  [as blacks today are no longer slaves] to become assimilated as American citizens...
                  This loop hole has been seriously abused.

                  Cactus Man

                  Comment


                  • #10
                    Re: Health Care Reform

                    I think there are two area of health care that need to be included to a greater extent than they are today, and those are dental care and eye care. I many plans these are not covered to the extent that other aliments, diseases, or illnesses are. You get some token dental care limiting you to a couple hundred bucks a year but you can get unlimited doctor visits, exams and tests, and therapy for many conditions which are no where near as important to your overall health as good dental care or the being able to see.

                    Why do so many plans NOT cover contact lenses when they are proven safe (30+ years track record) and to provide better vision correction than glasses for those who can wear them.

                    Why do so many plans have such limited dental care? Good oral hygiene is important to overall health and the ability to chew your food is the first part of the digestive process. Some dental plans don't cover the full cost of braces. I don't understand that as this is not just a cosmetic problem, but one which can impact a person's future dental health.

                    My take is both these areas of medicine do not want to be constrained by the limits of Health Benefit Plans, HMOs and the like as their profit would suffer. They are more about making maximum profit than they are about honoring their Hippocratic oath. They don't want to accept the reduced payments of the HMOs or have to go through negotiations only to end up with 75% of the compensation they want for the job.

                    Overall, our health plans do not contain enough provision for preventative care.

                    And a big piece of the exploding health care cost today and over the past 10 or so years is the lack of physical education and exercise that kids get in school today. Why, they don't get the exercise they should. Of course many of them sit in front of the computer or xBox whenever they are not at school, it's sad is all I can say. Every time I go out in a mall or store or wherever there is a gathering of people and see all the overweight kids I am shocked. I think back 48 to 40 years ago when I was in grade school and I don't remember maybe more than one or two overweight kids in our whole school (K-8) of 120 kids. What happened and why is it not being corrected?

                    Also, their (kids) perception that they must be transported everywhere on the planet instead of walking or riding a bicycle. Our crazy school district tried to tell us our kids had to take the bus to school when I live directly across the street! I look out my front door at the main entrance to the school where the busses unload, less than 500 feet away. We had a hell of a time getting them off the bus.

                    I'm not sure how to fix all this, but it needs fixing that's for sure. And most of it ties directly to health care costs, even if the results are not felt in the system until years later.
                    ---------------
                    Light is faster than sound. That's why some people seem really bright until you hear them speak.
                    ---------------
                    “If I had my life to live over again, I'd be a plumber.” - Albert Einstein
                    ---------
                    "Its a table saw.... Do you know where your fingers are?"
                    ---------
                    sigpic http://www.helmetstohardhats.com/

                    Comment


                    • #11
                      Re: Health Care Reform

                      First of all, it's way overdue for "HealthCare Reform" to be done in some manner. Either by self regulation or government intervention.

                      The uninsured number is ever increasing proving that self regulation and the rules of supply/demand in capitalism have not worked. I'd even say that the capitalistic model has not been applied or possibly may not be able to be applied to health insurance. Therefore....

                      Some degree of government intervention. Many hear this and immediately scream "SOCIALISM!!!" But remember the mortgage crisis where the traditionalists let everything go to the free market with no regulation? I often wonder what would occur if no bailout would have occurred and the free market rules were allowed to come full circle.

                      Back to the HealthCare subject. I'm not sure in todays time that the Capitalistic model can be applied for health insurance. At least not in its current form. And would we all prefer a total crash so that it could "right" itself in the free market? It honestly seems to be headed there.

                      Imagine yourself being insured but unable to get care or the time delay to be seen increases because the uninsured numbers are overwhelming the resources. Happening. Already seen it.

                      What's the answer? First of all we have to accept that there will not be a perfect solution. Some part of it will be wrong, some will feel left out, some will pay more for the same care that they already get etc. etc. etc.

                      We all can tear down any idea or plan I bet. I think Mark offers a good starting point. Me I'm a little more radical.

                      1) No benefits may be offered by any company-anywhere. Companies were not originally designed to offer health insurance. Just became part of the salary incentive along the way. You don't expect your employer to pay for your homeowners insurance do you? Why not?

                      2) No health benefits for anyone in local, state, or federal government. None. This includes ALL elected/appointed officials, teachers, police, road workers, etc.

                      A HUGE problem with all of this is those that are covered in the current government system participate in insurance paid for by the masses that the masses are uneligible to get. In short, the PRIVATE sector is paying for the PUBLIC sectors' health insurance. This is an unfair practice that is destined to have people "jump ship" from the private sector. (I'll expound on this at the end).

                      3) Every person is responsible for their own health insurance. Period. No group health, business, unions etc. involved. Require all people to carry a minimum policy like many states enforce minimum auto policies. (I know about Mass.)
                      This FORCES all people to be involved and care about the total system. As it is now, those that are covered without a high salary burden don't really care about those that aren't. Those that are on the "gov't tit" don't care about trying to do better.
                      That leaves the majority to pay the most. And why do you think the uninsured is ever increasing? The majority is in the middle & they can't keep affording what's offered. So like many things that humans do they slowly drop the insurance and say "why try?".

                      Individual minimum policies restores self regulation and balanced pricing in the system.

                      4) How 'bout no health insurance companies? A taxable system (I know-I HATE taxes more than any of you) that goes only to the hospitals. The fund is untouchable. There is never a surplus, there is only the fund. Probably would be similar to what Canada has already.

                      5) Just a statement. You have no idea how dirty the drug companies can be.

                      People jumping ship from the Private Sector. I personally know or know of people in my area that had the follow occupations:

                      1) A plumber that had his own business with multiple employees and about 5 trucks.
                      2) An electrician that had his own business. Usually just a helper.
                      3) An HVAC guy that had his own business with a few employees for many years.
                      4) A plumber that had his own business working with his dad. Had 3 floating employees.
                      5) An HVAC guy that worked for a local company for many years.
                      6) A plumber that owned his own business with his brother.
                      7) A plumber that worked for a private company for many years.


                      What do all of them have in common?

                      THEY ALL WENT TO WORK FOR THE STATE, UNIVERSITIES, MUNICIPALITIES THAT ARE PART OF THE STATE HEALTH INSURANCE PROGRAM.

                      THEY ALL SAID BECAUSE OF BENEFITS AND THE FIRST BENEFIT THEY MENTION EVERY TIME IS HEALTH INSURANCE.

                      ALL OF THEM.


                      J.C.
                      Last edited by BobsPlumbing; 10-12-2009, 12:23 AM.

                      Comment


                      • #12
                        Re: Health Care Reform

                        http://www.youtube.com/watch?v=OETJFrpnwZc
                        In order to understand recursion, one must first understand recursion.

                        Comment


                        • #13
                          Re: Health Care Reform

                          Lets all be perfectly honest here. Regardless of what happens or doesn't happen, nothing is going to get reformed. Nothing ever gets reformed. It just gets more complicated and more expensive.
                          sigpic

                          Comment


                          • #14
                            Re: Health Care Reform

                            It looks like the Health Insurance companies who were on board with Obama may have jumped ship. The original plan had fines of up to $3,800 per family if you did not buy Health Insurance. The idea was to encourage the young and dumb who felt they were invincible to buy Health Insurance. The Insurance Company saw it as a win as they would have more insureds and could spread the costs better. The new plan is now to have a $400 fine if you get caught without insurance. Now with that, the young and dumb (and everyone else) become the young (all age) and smart. You see there is also open enrollment and everyone must be accepted. So now you pay the $400 fine each year until someone in your family is sick. Then you immediately join and pay your premiums until everyone is well again. This could work in reverse and actually increase the number of uninsured as there would be no incentive to be insured unless you are already sick. You have to love these guys that think up this stuff. What's worse is some of us voted for them.

                            Mark
                            "Somewhere a Village is Missing Twelve Idiots!" - Casey Anthony

                            I never lost a cent on the jobs I didn't get!

                            Comment


                            • #15
                              Re: Health Care Reform

                              It gets worse, I just heard the employers will have to pay $1,000 fine for not having health coverage for their employees. Sure sounds like another incentive for a bad employer to NOT supply coverage.

                              Mark
                              "Somewhere a Village is Missing Twelve Idiots!" - Casey Anthony

                              I never lost a cent on the jobs I didn't get!

                              Comment

                              Working...
                              X