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re: Data for you to ponder tonight: insurers are not the villain. Providers are
Posted on 12/12/24 at 8:11 am to Mingo Was His NameO
Posted on 12/12/24 at 8:11 am to Mingo Was His NameO
quote:
And yes, the CEO “only” got paid $10 million cash, but he was paid 10s of millions in stock and had access to the private jet, etc.
Knighting for insurance companies certainly ain’t the lane I’d pick
Being angry what a private individual makes and on the same hand wanting to give government more money when people like Nancy Pelosi is worth $200 million, who's salary is paid for by our tax dollars is quite the conundrum for you, isn't it?
0
Posted on 12/12/24 at 8:12 am to VolSquatch
quote:
If a high school education was good enough for her to do the job well, why does a nurse have to do it now?
Quality of education, quality of person.
Posted on 12/12/24 at 8:14 am to HailHailtoMichigan!
The villains are the people who don't pay their medical bills. Hospitals have to pass the losses along to the paying patients/insurance companies or they would go out of business. If people don't/won't/can't pay for their healthcare they should go to charity hospitals. I don't know why everyone thinks that they should have access to anything they can't pay for.
Posted on 12/12/24 at 8:16 am to HailHailtoMichigan!
It’s bureaucracy gone wild in the healthcare industry from top to bottom, along with tech, malpractice insurance and other factors driving costs through the roof. There needs to be a DOGE for THAT but we won’t get it with a new laissez faire administration. Don’t expect much change other than an even stronger drive for more profits. The foxes are about to be in the henhouse as far as regulation.
Even so, people outright championing what happened to Thompson are sick in the head, and it’s a sad reflection of where our society and morals are. Scary, actually.
Even so, people outright championing what happened to Thompson are sick in the head, and it’s a sad reflection of where our society and morals are. Scary, actually.
Posted on 12/12/24 at 8:18 am to rintintin
quote:
With the prevalence of specialty clinics, ASCs and just the overall ease of finding speciality physicians now, people are choosing to bypass primary care.
The point of such a system which incentivizes primary care is ultimately for cost-saving. You need to ration care on some level. I see a lot of patients who get referred out when they could be managed by a good primary care physician with an appropriate patient panel. The fact is that the lower pay for primary care physicians drives many to specialties with better schedules/more procedures and that primary care work is farmed out to mid-levels who can barely manage anything.
Posted on 12/12/24 at 8:22 am to Rick9Plus
quote:
lawsuits
This is huge.
A close friend and outstanding doctor just spent 4 years defending himself against a completely meritless civil malpractice suit.
It was finally thrown out with 0 dollars for the plaintiff, but of course his malpractice insurance will go up.
Posted on 12/12/24 at 8:31 am to Topwater Trout
quote:
The villains are the people who don't pay their medical bills.
The way i believe it works is that in order to be in the best position to negotiate with insurance companies, hospitals and clinics have to set their initial fees extremely high. What each insurance negotiates to pay for each patient (which for 10 patients might be 10 different payments for the same service) is much lower than the listed fee. An uninsured person is therefore charged higher than anyone. Nobody except multimillionaires could afford it for a surgery or lengthy stay.
Posted on 12/12/24 at 9:03 am to HailHailtoMichigan!
I’d be interested for you to show say…a credentialed accountant…in Europe versus the US.
Posted on 12/12/24 at 9:43 am to HailHailtoMichigan!
Posted on 12/12/24 at 9:47 am to crazy4lsu
quote:
The point of such a system which incentivizes primary care is ultimately for cost-saving. You need to ration care on some level. I see a lot of patients who get referred out when they could be managed by a good primary care physician with an appropriate patient panel.
I'm not disagreeing, there's definitely benefits to that system (and detriments as well). I just don't think we'll ever go back to it.
If anything we're moving faster and faster towards direct access specialty care. More and more procedures are being approved for OP and ASC settings, and hospitals have completely changed how they utilize primary care. It's much less of an emphasis.
Posted on 12/12/24 at 9:54 am to HailHailtoMichigan!
quote:
The data is screaming at you in the face that American doctors of all specialities, hospitals, etc all get paid way more than in other nations, yet you single out insurance.
Which one is easier to stomach??
- The dude operating on you & saving your health being highly paid & trained
vs.
-A random frick insurance exec that you know is trying to squeeze out every penny no matter how much it screws their customers.
Posted on 12/12/24 at 9:58 am to Rick9Plus
quote:
The way i believe it works is that in order to be in the best position to negotiate with insurance companies, hospitals and clinics have to set their initial fees extremely high. What each insurance negotiates to pay for each patient (which for 10 patients might be 10 different payments for the same service) is much lower than the listed fee. An uninsured person is therefore charged higher than anyone. Nobody except multimillionaires could afford it for a surgery or lengthy stay.
This is not how it works.
Another poster already described it, but rates for procedures are set by Medicare, then hospitals and clinics negotiate commercial rates with payers based on a percentage of Medicare (e.g., could be 150% or 180% of Medicare rates).
If you're uninsured and want to pay cash out of pocket, typically you'll get the lowest price out of anyone. Not many people do this though.
Posted on 12/12/24 at 10:06 am to greenhead11
quote:
OP, wild take.
Blaming costs charged by providers doesn’t nesscessarily mean you are saying the problem is doctors salaries.
30 dollars for a single dose of Tylenol is a thing.
A charge because you were in a room equipped to provide supplemental oxygen (even though you didn’t need it) is a thing.
Etc etc.
Posted on 12/12/24 at 10:11 am to rintintin
quote:
If you're uninsured and want to pay cash out of pocket, typically you'll get the lowest price out of anyone. Not many people do this though.
How does that work for people with high deductible plans? Do they pay more than uninsured, until they meet their deductible? I’ve had meds prescribed before that were, say $150 using my insurance but were $75 if i didn’t use it.
Posted on 12/12/24 at 10:16 am to HailHailtoMichigan!
Physicians have become salesmen.
This has been since the late 1990s and the opioid epidemic.
Now regions have to be monitored as they only dispense a certain amount of pills per, because of the rampant over prescription to people who do not need said drug.
This has been since the late 1990s and the opioid epidemic.
Now regions have to be monitored as they only dispense a certain amount of pills per, because of the rampant over prescription to people who do not need said drug.
Posted on 12/12/24 at 10:20 am to HailHailtoMichigan!
@Chicken, can you please let us downvote more than once in this thread?
Posted on 12/12/24 at 10:25 am to HailHailtoMichigan!
quote:
How do you justify this?
US doctors are far better trained and we have far shorter wait times. They also work a lot more and have to pay substantial sums to malpractice insurance because of how unprotected they are and how litigious our country is.
You want to get C+ care after waiting 6 months to see a surgeon? Go get healthcare in the UK. Or you can pay for private healthcare in the UK and pay the same US people do, get in faster, and still see C+ trained physicians.
Posted on 12/12/24 at 11:35 am to HubbaBubba
My LSU in state medical degree was averaged at $22,500 per semester. Multiply that by 8 then add on 7 years of interest. I will be mid 30s when I finish my training and can finally start making money and paying back those loans.
This post was edited on 12/12/24 at 11:37 am
Posted on 12/12/24 at 11:42 am to Rick9Plus
quote:
How does that work for people with high deductible plans? Do they pay more than uninsured, until they meet their deductible? I’ve had meds prescribed before that were, say $150 using my insurance but were $75 if i didn’t use it.
Typically yes, if you use your insurance it's going to be billed like an insurance claim and your out of pocket share is gonna be based on that.
If you opt to not use your insurance and say you'll pay cash today, then you'll get the cash rate. But that doesn't go towards your out of pocket expenses.
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