Healthcare Reform

#56
#56
I think UHC would be a mistake, and make things even worse. That said, yes, health care is out of control price wise. The main reason I think is because the consumer has pretty much been taken out of the equation. When most people have a plan that allows them to go in for any little ailment or rattle and they just pay a $20 copay, and the doctor has to chase after the insurance companies to get the rest. And then you have the doctors who "elevate" your visit to a higher paying one, the system is all sorts of jacked up. The car insurance analogy is floating around a lot lately, and it makes sense. Imagine if your car insurance covered routine maintenance: oil changes, tire rotations, and tire replacement with just a 20 dollar copay. You'd be paying a ton more, and we'd be debating UAC (universal auto coverage). Same with homes. I am not optimistic this attitude will ever change, but I think everyone would benefit if we just took insurance out of anything health related but the catastrophic.

And PS I pay 13 thousand a year for healthcare, and still have to pay 3 grand out of pocket for anything but to go to a quack and have him tell me "yup, you have a cold, come back in two days so I can make money off another visit." After baby number 2 comes... HSA here I come.
 
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#57
#57
I don't think universal health care is the answer, but I do believe it would make insurance companies lower prices dramatically
 
#58
#58
DAVOL said:
Well regardless how you feel about it something has to be done I'm not sure what but it is completely unsustainable at the rate it is going healthcare costs going up 3-5 times the rate of inflation or wages that can't continue cause there are alot of people that have healthcare now that won't in 10 years at this rate ,same with public higher education I don't keep up with other states but if they are like TN hell in a good year UT only goes up 7% bad year 11-13% that also is unsustainable.
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I'm with you. Let's add another $1.6 trillion to the tab over and above the current medical industry, then tack on the interest to degrade the current system. All the while, even Obama's horde of idiots says this step will only get us a third of the way. Let's roll.
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#59
#59
KB5252 said:
My son who posted a 3.5 gpa while taking advanced and honors courses got the hope scholarship......$2,000.00
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Each semester... 4000 for the year. After all cost are accounted for, UT is probably around 12-14 k per year.
 
#60
#60
Brewerw said:
Each semester... 4000 for the year. After all cost are accounted for, UT is probably around 12-14 k per year.
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What do you mean by "all cost?" I got to MTSU, which is cheaper than UT tuition wise, and my estimated cost of attendance is damn near 20,000 this year.
 
#61
#61
emainvol said:
What do you mean by "all cost?" I got to MTSU, which is cheaper than UT tuition wise, and my estimated cost of attendance is damn near 20,000 this year.
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You need to downsize apartments, eat less and never drink
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#62
#62
DAVOL said:
What % of tuition does that cover?
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My son will be in Aerospace program. He wants to be a pilot, I forget the actual tuition cost but you can double that for the extra flight and lab fees.
 
#63
#63
TennVols423 said:
I don't think universal health care is the answer, but I do believe it would make insurance companies lower prices dramatically
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If that happens all the private insurers will be forced out of business and the government will be the only option after about three or four years.

The problem is not the insurance companies it is people using the emergency room like a walk in clinic.
 
#64
#64
emainvol said:
What do you mean by "all cost?" I got to MTSU, which is cheaper than UT tuition wise, and my estimated cost of attendance is damn near 20,000 this year.
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On our last visit I believe my wife and I figured my sons total for the 1st year to be around $40,000 for the first year there.
 
#65
#65
KB5252 said:
If that happens all the private insurers will be forced out of business and the government will be the only option after about three or four years.

The problem is not the insurance companies it is people using the emergency room like a walk in clinic.
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Why would the private insurers be out of business?
 
#66
#66
rjd970 said:
Why would the private insurers be out of business?
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If the government regulates, while offering insurance they will set the price, the government can operate with negative numbers for years, the insurance companies cannot.
 
#67
#67
KB5252 said:
If the government regulates, while offering insurance they will set the price, the government can operate with negative numbers for years, the insurance companies cannot.
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So you are assuming the government will fix the game so they lose money?
 
#68
#68
rjd970 said:
So you are assuming the government will fix the game so they lose money?
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I guess what I am really trying to say is the government can artificially lower the price while not addressing the factors that drive up the cost. This will force the private companies out in short order, they cannot operate for extended periods while losing money, the government can and will, they do it every day.

Why not address the factors that drive up the cost, after things settle down and prices balance back out you address those who fall through the cracks. They are putting the cart before the horse here, they are offering a solution via government when government intrusion is a huge portion of the problem in this and many other instances.
 
#69
#69
KB5252 said:
I guess what I am really trying to say is the government can artificially lower the price while not addressing the factors that drive up the cost. This will force the private companies out in short order, they cannot operate for extended periods while losing money, the government can and will, they do it every day.

Why not address the factors that drive up the cost, after things settle down and prices balance back out you address those who fall through the cracks. They are putting the cart before the horse here, they are offering a solution via government when government intrusion is a huge portion of the problem in this and many other instances.
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I'm still not understanding the artificially low price presumption. How does the government set those, and what makes them artificial?

I'm not advocating nationlized healthcare, but I am trying to understand the argument. It seems like on one end it is argued that nationalized healthcare will be worse than that provided by private insurers, and then at the same time saying the private insures can't compete. If the private insurers are providing better coverage, won't there be a market for it?

What in your opinion is driving up costs?
 
#70
#70
rjd970 said:
I'm still not understanding the artificially low price presumption. How does the government set those, and what makes them artificial?

I'm not advocating nationlized healthcare, but I am trying to understand the argument. It seems like on one end it is argued that nationalized healthcare will be worse than that provided by private insurers, and then at the same time saying the private insures can't compete. If the private insurers are providing better coverage, won't there be a market for it?

What in your opinion is driving up costs?
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Do you really think the gov't is going to charge those poor poor people without insurance market rates? and how are we going to pay for thsese uninsured? it has to come out of somewhere.
 
#71
#71
rjd970 said:
I'm still not understanding the artificially low price presumption. How does the government set those, and what makes them artificial?

I'm not advocating nationlized healthcare, but I am trying to understand the argument. It seems like on one end it is argued that nationalized healthcare will be worse than that provided by private insurers, and then at the same time saying the private insures can't compete. If the private insurers are providing better coverage, won't there be a market for it?

What in your opinion is driving up costs?
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Do you believe that medicare and medicaid have an effect on the price of medical care for the rest of us? I may be off base because I admittedly know little about this subject.
 
#72
#72
droski said:
Do you really think the gov't is going to charge those poor poor people without insurance market rates? and how are we going to pay for thsese uninsured? it has to come out of somewhere.
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Do you think market rates are where they should be right now?
 
#73
#73
droski said:
Do you really think the gov't is going to charge those poor poor people without insurance market rates? and how are we going to pay for thsese uninsured? it has to come out of somewhere.
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It never ceases to amaze me how many people simply do not grasp this concept.

Some can be found sitting on juries and awarding millions of dollars for absurd claims and wonder why their insurance rates go up.
 
#74
#74
hndog609 said:
It never ceases to amaze me how many people simply do not grasp this concept.

Some can be found sitting on juries and awarding millions of dollars for absurd claims and wonder why their insurance rates go up.
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I think a significant cost savings can be found with regulating the malpractice lawsuits. If you had the wrong arm amputated that is one thing, but people shouldn't be allowed to sue because their cough didn't get better.
 
#75
#75
rjd970 said:
I think a significant cost savings can be found with regulating the malpractice lawsuits. If you had the wrong arm amputated that is one thing, but people shouldn't be allowed to sue because their cough didn't get better.
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I agree. Tort reform is a MAJOR issue. Actually, the cost of damn near everything is influenced by this.
 
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